{"took":77,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":232,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"18132238","_score":15.61144,"_source":{"product":"Credit card","complaint_what_happened":"Demand for Immediate Correction and Notice of Intent to Arbitrate XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/year> Continental Finance Company SURGE XXXX XXXX XXXXXXXX XXXX NY XXXX Continental finance company Attn : Correspondence / Dispute Resolution Department re account ending in surge XXXX XXXX RE : Formal Notice of Violations of the EFTA, FCBA, and FCRA 623 Demand for Immediate Correction and Notice of Intent to Arbitrate To Whom It May Concern : I am providing this written notice to formally dispute certain charges and reporting actions associated with my account with Celtic bank XXXX the balance is erroneous by far this is not my balance {$920.00}. This letter also serves as notice of your violations of Federal laws governing electronic transfers, billing errors, and credit reporting.\n\n1. Violations of the Electronic Fund Transfer Act ( EFTA ) You have failed to properly investigate and resolve unauthorized electronic transactions as required under the Electronic Fund Transfer Act. I did not authorize the disputed charges, and your handling of these transactions is in violation of your obligations under the EFTA.\n\n2. Violations of the Fair Credit Billing Act ( FCBA ) 15 United States Code 1666-1666j ) Billing Error? Incorrect charges, unauthorized charges, charges for goods/services not received, calculation errors, or failure to post payments.\n\nThe FCBA explicitly provides that a consumer is not obligated to pay more than {$50.00} for unauthorized charges and requires creditors to investigate billing errors promptly and fairly. Your failure to correct the disputed charges and your continued attempts to collect on amounts I do not owe constitute violations of the FCBA.\n\n3. Violations of the Fair Credit Reporting Act ( FCRA ) Section 623 15 United States Code 1681s-2 ( a ) ( 1 ) ( A ) 15 United States Code 1681s-2 ( B ) Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. \n\n( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency Continental Finance company, as a furnisher of information, is required under FCRA 623 to report accurate information and to correct any errors promptly after receiving notice of dispute. You have continued to furnish inaccurate or incomplete information to consumer reporting agencies despite my disputes. \nYou are hereby notified once again to correct all inaccurate information immediately and provide written confirmation once completed. \n\nDemand for Correction I demand the following actions after receiving this notice : Removal of all unauthorized charges. \n\nCorrection of all inaccurate or incomplete information furnished to credit reporting agencies. \n\nWritten confirmation of the results of your investigation and of all corrections made. \n\nNotice of Intent to Initiate Arbitration If these issues are not corrected, I will have no choice but to proceed with binding arbitration, as permitted under the terms of the cardholder agreement. \nThis letter serves as formal notice of my intent to initiate arbitration should you fail to remedy these violations promptly. \n\nstatuatory violations are violation ( XXXX ) {$1000.00} failure to adhere to federal law Electronic Funds Transfer Act ( EFTA ) violation ( 2 ) {$1000.00} Failure to adhere to Federal Law Fair credit billing act FCBA violation ( 3 ) {$1000.00} Failure to correct errors on the consumer report /furnishing false information to consumer reporting agencies. ( FCRA ) {$1000.00} per violation per every month Continental Finance Reported false information =4 months {$4000.00} {$1000.00} per violation per every month Continental Finance on billing errors ( FCBA ) =4 months {$4000.00} {$1000.00} per violation per every month Continental Finance on Electronic Funds Transfer Act. failure Total {$9000.00} Please govern yourselves accordingly. \n\nSincerely, cecili","date_sent_to_company":"2025-12-18T04:26:09.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"90032","tags":null,"has_narrative":true,"complaint_id":"18132238","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Continental Finance Company, LLC","date_received":"2025-12-18T04:16:26.000Z","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":["every month Continental Finance on billing <em>errors</em> ( FCBA ) =4 months {$4000.00} {$1000.00} per <em>violation</em> per every month Continental Finance on <em>Electronic</em> <em>Funds</em> Transfer Act. failure Total {$9000.00} Please govern yourselves accordingly."]},"sort":[15.61144,"18132238"]},{"_index":"complaint-public-v1","_id":"8195457","_score":15.454728,"_source":{"product":"Checking or savings account","complaint_what_happened":"I hope this letter finds you well. I am writing to express my deep concern and dissatisfaction with the recent handling of my dispute case involving an error with transactions in my checking account. Despite assurances from your representative during a recorded call that my account would be credited within eight business days, I am now facing an unexpected and unwarranted account restriction. \nThis action directly contradicts the federal law, specifically 12 CFR Section 205.11, which clearly mandates that customers should have full access to their funds during the investigation period. Additionally, Fifth Third Bank 's own policies emphasize compliance with all federal laws and guidelines, including 12 CFR Section 205.11. It is disheartening to experience a blatant violation of these regulations : Consumer Liability for Unauthorized Transfers : Electronic Fund Transfer Act - Regulation E Error Resolution Procedures The financial institution may take up to 45 calendar days ( Section 205.11 ( c ) ( 2 ) ) to complete its investigation provided it : Provisionally credits the funds ( including interest, where applicable ) to the consumer 's account within the 10 business-day period ; Advises the consumer within 2 business days of the provisional crediting ; and Gives the consumer full use of the funds during the investigation. \nI am particularly troubled by the fact that this restriction has been imposed without proper justification or adherence to consumer rights protected under 12 CFR section 205.11 ( c ) ( 2 ). As a working professional with limited availability during banking hours, this situation has placed an undue burden on me, preventing access to essential funds and hindering my ability to manage financial matters promptly.","date_sent_to_company":"2024-01-22T04:13:30.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"320XX","tags":null,"has_narrative":true,"complaint_id":"8195457","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2024-01-22T04:05:47.000Z","state":"FL","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["It is disheartening to experience a blatant <em>violation</em> of these regulations : Consumer Liability for Unauthorized Transfers : <em>Electronic</em> Fund Transfer Act - Regulation E <em>Error</em> Resolution Procedures The financial institution may take up to 45 calendar days ( <em>Section</em> 205.11 ( c ) ( 2 ) ) to complete its investigation provided it : Provisionally credits the <em>funds</em> ( including interest, where applicable ) to the consumer 's account within the 10 business-day period ; Advises the consumer within 2 business"]},"sort":[15.454728,"8195457"]},{"_index":"complaint-public-v1","_id":"18497047","_score":15.200985,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint against SoFi Bank for multiple violations of Regulation E ( 12 CFR 1005.11 ) and its own Deposit Account Agreement ( Section VIII ). \n1. Failure to Issue Mandatory Provisional Credit : On XX/XX/XXXX, I reported XXXX electronic fund transfer errors : {$430.00} ( Ticket XXXX XXXXXXXX ), {$500.00} ( Ticket # XXXX ), and {$460.00} ( Ticket # XXXX ). Per a SoFi agents written confirmation, today, XX/XX/XXXX, is officially the XXXX business day since my report. Under 1005.11 ( c ), SoFi is required to issue provisional credit if the investigation is not complete within 10 business days. SoFi has failed to issue these credits for the {$430.00} and {$500.00} claims. \n2. Improper Denial and Evasive Communication : SoFi issued a blanket denial of credit for Ticket # XXXX ( {$460.00} ) on XX/XX/XXXX, stating only that it \" does not qualify ''. This is a violation of 1005.11 ( d ), which requires a written explanation of findings when a bank determines no error occurred. Furthermore, SoFi is attempting to reclassify these as \" Merchant Disputes '' to bypass federal timelines. I assert these are \" Incorrect Electronic Fund Transfers '' and \" Billing Errors '' under 1005.11 ( a ) ( 1 ) ( ii ), as the funds were transferred in an incorrect amount for services not provided.","date_sent_to_company":"2026-01-06T14:48:57.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"18497047","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SOFI TECHNOLOGIES, INC.","date_received":"2026-01-06T14:32:10.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["This is a <em>violation</em> of 1005.11 ( d ), which requires a written explanation of findings when a bank determines no <em>error</em> occurred. Furthermore, SoFi is attempting to reclassify these as \" Merchant Disputes '' to bypass federal timelines. I assert these are \" Incorrect <em>Electronic</em> Fund Transfers '' and \" Billing <em>Errors</em> '' under 1005.11 ( a ) ( 1 ) ( ii ), as the <em>funds</em> were transferred in an incorrect amount for services not provided."]},"sort":[15.200985,"18497047"]},{"_index":"complaint-public-v1","_id":"6256720","_score":14.995444,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2022 we deposited a check through a teller in a Bank of America branch. The check was drawn on a Bank of America account ( also known as an On Us check ) ( Exhibits A, B, and C ). On XX/XX/2022 we noticed that the deposit no longer showed on the online banking website, but reappeared later that morning with a date different than the deposit date. This continued on a daily basis where the deposit would drop off in the evening and reappear the next day. We contacted Bank of America customer service who told us that there was an issue with their systems as they related to deposits and suggested that we talk to the branch. We went down to the branch and were told that the deposits had been lost in transit. XXXX XXXX, Relationship Banker, who was the teller that took the deposit told us they were aware of the issue, but that the funds were still available and could still be withdrawn. We also spoke to XXXX XXXX, Financial Center Manager, and she also told us that we would still be able to move the funds while the bank worked to resolve the issue. We were given a card for XXXX XXXX, XXXX, Consumer Market Leader, in case there were any issues. \n\nNot wanting to overdraw our accounts, we waited as long as we could to move the funds, and in the meantime Bank of America still had not resolved the issue. We were still seeing the deposit drop off online banking only to reappear later with the date rolled forward. Since the branch told us it wouldnt be an issue, we submitted an Electronic Funds Transfer ( ETF ) to move the funds in the amount of {$3100.00} from our Bank of America checking account to our XXXX XXXXXXXX Checking account on XX/XX/2022 ( Exhibit D ). On XX/XX/2022 XXXX XXXX online banking showed that the {$3100.00} had been moved from Bank of America and was now available in our XXXX XXXX checking account. \n\nOn XX/XX/2022 we noticed a negative balance in our Bank of America checking account on the online banking website. We contacted XXXX XXXX to discuss the ongoing issue with her. XXXX told us the check was not lost ; it just hadnt been imaged yet. This was causing the deposit to drop off each night so that it was no longer showing. As a remedy to this she said she would credit our account {$3100.00} so that it would not show as overdrawn ( Exhibit E ). This transaction never occurred. \nOn XX/XX/2022 we called XXXX XXXX to let her know the issue had not been resolved and our account was still showing as overdrawn. She told us she thought it had been resolved the previous evening so she never added the credit to our account. She also told us the issue with our deposit was a national issue that affected all of the deposits on XX/XX/2022. \n\nLater that day we noticed e-mails we had received from XXXX XXXX informing us that the {$3100.00} transferred from Bank of America was returned to them since they reversed the transfer ( Exhibit F ). Our XXXX XXXXXXXX account was now overdrawn due to this reversal ( Exhibit G and H ). We again contacted XXXX to talk to her about the reversal and see what could be done to remedy this. She offered no solutions. She said she could not wire the money back to the account and we had already learned we couldnt count on an ETF. \n\nOn XX/XX/2022 we received several calls from Bank of America offering apologies, but no resolutions. The {$3100.00} deposit did eventually show as a permanent transaction with an XX/XX/2022 deposit date ( Exhibit I ). The funds were not actually made available until XX/XX/2022. On XX/XX/2022 we withdrew the funds through a Cashiers Check ( Certified Check ) in the amount of {$3100.00} so that this could be deposited in our XXXX XXXX account without them having the ability to again reverse the deposit. \nWe continue to receive various calls from Bank of America staff in the escalations department that seem to want to collect information, but dont offer any solutions or explanations of how they are going to avoid these issues going forward. More disturbing yet is the fact that Bank of America seems completely unconcerned that this was a large-scale problem for many of their customers and that they have broken several applicable federal laws in the process. Bank of America, as a financial institution, has a fiduciary duty to act with care and skill, and they have failed at this due to their gross negligence in the handling of deposits. \n\nBy not making funds available by the next business day for an On Us check Bank of America is in violation of Regulation CC Subpart B Section 229.10 ( c ) 1 and 4, which states The EFA Act and regulation require next-day availability for on us checks, i.e., checks deposited in a branch of the depository bank and drawn on the same or another branch of the same bank. This same requirement is also mentioned in US Code Title 12 Chapter 41 Sec 4002 ( b ) ( 1 ). not more than 1 business day shall intervene between the business day on which funds are deposited in an account at the depository institutions by a check drawn on a local originating depository institution and the business day on which the funds involved are available for withdrawal.\n\nIn addition, since we had contacted Bank of America and they had knowledge that the error was theirs they are in violation of the Electronic Funds Transfer Act, Regulation E, and have violated NACHA rules. An electronic fund transfer error is defined in Regulation E and the Electronic Funds Transfer act as being from a consumers account initiated by a person other than the consumer without authority to initiate the transfer from which the consumer receives no benefit. NACHA rules Section 2.9 Subsection 2.9.1 states that a debit reversing entry can only be done to correct an erroneous entry previously initiated to a receivers account. Since the error resulted from Bank of Americas own actions and they were aware of this error when they reversed the EFT, they are in violation of the Electronic Funds Transfer Act, Regulation E, and they broke NACHA rules. We would also point out that in addition to not making the funds available and by posting the check 10 days after it was deposited, they effectively defrauded us of the interest on those funds over this ten-day period.","date_sent_to_company":"2022-11-29T14:20:21.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"85142","tags":null,"has_narrative":true,"complaint_id":"6256720","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-11-29T14:09:17.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["In addition, since we had contacted Bank of America and they had knowledge that the <em>error</em> was theirs they are in <em>violation</em> of the <em>Electronic</em> <em>Funds</em> Transfer Act, Regulation E, and have <em>violated</em> NACHA rules. An <em>electronic</em> fund transfer <em>error</em> is defined in Regulation E and the <em>Electronic</em> <em>Funds</em> Transfer act as being from a consumers account initiated by a person other than the consumer without authority to initiate the transfer from which the consumer receives no benefit."]},"sort":[14.995444,"6256720"]},{"_index":"complaint-public-v1","_id":"6499471","_score":14.81918,"_source":{"product":"Debt collection","complaint_what_happened":"In a prior complaint ( XXXX ), I requested detailed information to verify an alleged debt being collected by PORTFOLIO RECOVERY ASSOCIATES ( partial account number : XXXX ). If the request was met, this complaint would indicate another violation by PORTFOLIO RECOVERY of Regulation E of the Electronic Fund Transfer Act ( EFTA ) and the Fair Credit Reporting Act ( FCRA ).\n\nToday, I am submitting a complaint against PORTFOLIO RECOVERY for violating EFTA and FCRA. Regulation E is a regulation issued by the Federal Reserve Board under the Electronic Fund Transfer Act ( EFTA ) to protect consumers who use electronic fund transfer ( EFT ) services, including credit card transactions, debit card transactions, Automated Clearing House ( ACH ) transfers, and ATM transactions. The purpose of Regulation E is to provide consumers with clear and concise disclosures of their rights and liabilities in EFTs. The regulation requires financial institutions and credit card companies to provide consumers with disclosures, including credit limits for particular credit cards and credit lines, error resolution procedures, and other protections related to EFTs. The regulation also imposes liability on financial institutions for unauthorized EFTs and sets out procedures for consumers to dispute errors, inaccuracies, and unauthorized transactions. \nPursuant to section 904 of the EFTA, if a credit card company ( original creditor in this case ) allows a charge that is higher than the credit limit, the credit card company is violating the EFTA by authorizing a legally unauthorized transfer of funds from the consumer 's account. Section 904 of the EFTA, specifically states that \" a financial institution shall not honor an electronic fund transfer initiated through an automated teller machine or point of sale terminal if the transfer would exceed the account balance of the consumer or would exceed any established credit limit for the account. '' Therefore, by allowing a charge that is higher than the credit limit, the credit card company violated section 904 of the EFTA, by authorizing a legally unauthorized transfer of funds and not ensuring that the consumer 's account balance is not exceeded.\n\nIn this alleged debt, which has not yet been validated and verified as requested, PORTFOLIO RECOVERY, is attempting to collect an amount that exceeds any legally established credit limit for that account, a clear violation of the EFTA. An itemized payment history in my prior request for validation and verification of this account would have revealed this error and related inaccuracies. Furthermore, PORTFOLIO RECOVERY is in violation of Section 919 ( a ) of the EFTA, which imposes liability on financial institutions for unauthorized transfers, including those resulting from legally unauthorized credit card transactions. PORTFOLIO RECOVERY is violating section 904 of the Electronic Fund Transfer Act ( EFTA ) by collecting an alleged debt after the original creditor allowed a charge that was higher than the credit limit, a complete violation of the law. By authorizing a charge or transfer, the original creditor did not ensure that the consumer 's account balance was not exceeded, which violates the provisions outlined in section 904 of the EFTA. \n\nFurthermore, the original creditor and now PORTFOLIO RECOVERY allowed a charge that was higher than the credit limit and are reporting and trying to collect this legally unauthorized charge or transfer as a legitimate debt, thereby violating the requirement to report accurate information under the FCRA, specifically, section 611 of the FCRA, 15 U.S.C. 1681i ( a ) ( 1 ).\n\nPORTFOLIO RECOVERY is reporting this legally unauthorized charge/transfer to credit bureaus as a negative item on my credit report, which is inaccurate reporting with incomplete information. The FCRA requires consumer reporting agencies to ensure the accuracy, fairness, and privacy of consumer credit information, and to investigate disputes and correct errors promptly. By reporting the legally unauthorized charge/transfer as a negative item on my credit report, PORTFOLIO RECOVERY has impugned my creditworthiness and caused significant harm to my financial reputation and standing. In accordance with procedures established by the CFPB and pursuant to section 15 U.S.C. 1681g ( a ) ( 3 ) of this title regarding the completeness or accuracy of any item of information in a consumer 's file, PORTFOLIO RECOVERY is bound to reinvestigate disputes from consumers regarding the accuracy or completeness of information in their credit files, and to update or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which PORTFOLIO RECOVERY receives the notice of the dispute from the consumer.\n\n15 U.S.C. 1681e of the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies and collection agencies to maintain reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer credit reports. This section of the FCRA ensures that the information in a consumer 's credit report is accurate, up-to-date, and complete. This provision of the law has been violated in this case. Specifically, 15 U.S.C. 1681e ( a ) - states requirements for maximum possible accuracy : This subsection requires consumer reporting agencies and collection agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer credit reports. 15 U.S.C. 1681e ( b ) - Duty to correct and update information : This subsection requires consumer reporting agencies and collection agencies to promptly correct or delete inaccurate or incomplete information in consumer credit reports.\n\nTherefore, since PORTFOLIO RECOVERY is violating section 904 of the Electronic Fund Transfer Act ( EFTA ) by collecting an alleged debt after the original creditor allowed a charge that was higher than the credit limit, a complete violation of the law, PORTFOLIO RECOVERY is also reporting and trying to collect this legally unauthorized charge or transfer as a legitimate debt, thereby violating the requirement to report accurate and complete information under the FCRA. Specifically, section 611 of the FCRA, 15 U.S.C. 1681i ( a ) ( 1 ), which constitutes FCRA 's provisions regarding the accuracy, fairness, and privacy of consumer credit information. I respectfully urge the CFPB to investigate these facts of law and these violations by PORTFOLIO RECOVERY and delete this illegal account from my report. \n\nRespectfully, XXXX XXXX","date_sent_to_company":"2023-01-28T19:22:11.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"60638","tags":null,"has_narrative":true,"complaint_id":"6499471","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2023-01-28T19:11:57.000Z","state":"IL","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["<em>Section</em> 904 of the EFTA, specifically states that \" a financial institution shall not honor an <em>electronic</em> fund transfer initiated through an automated teller machine or point of sale terminal if the transfer would exceed the account balance of the consumer or would exceed any established credit limit for the account. '' Therefore, by allowing a charge that is higher than the credit limit, the credit card company <em>violated</em> <em>section</em> 904 of the EFTA, by authorizing a legally unauthorized transfer of <em>funds</em>"]},"sort":[14.81918,"6499471"]},{"_index":"complaint-public-v1","_id":"7645430","_score":14.720315,"_source":{"product":"Checking or savings account","complaint_what_happened":"I filed a previous complaint : COMPLAINT ID XXXX. \n\nThe bank refunded the monthly fees that were charged over a 12-month period. However, the action was a violation of 15 USC 193e- Preauthorized transfers. The banks policy to charge accounts that dont meet the dollar amount of deposits, did not give them permission to access my account and take out a monthly maintenance fee. \n\nI did not give the bank preauthorization to electronically take a monthly maintenance fee from my account. I have listed the appropriate Title 15 codes that substantiate my claim that I am entitled to treble damages. The bank is liable for acting without authorization and should pay the treble damages. \n\nPursuant to 15 USC 1693e ( a ) A preauthorized electronic funds transfer from a consumers account may be authorized by the consumer only in writing and a copy of such authorization shall be provided to the consumer when made. A consumer may stop payment of a preauthorized electronic fund transfer by notifying the financial institution orally or in writing at any time up to three business days preceding the scheduled date of such transfer. ( b ) In the case of preauthorized transfers from a consumers account to the same person which may vary in amount, the financial institution or designated payee shall, prior to each transfer, provide reasonable advance notice to the consumer in accordance with regulations of the Bureau, of the amount to be transferred and the scheduled date of the transfer.\n\nPursuant to 15 USC 1693f ( b ) Correction of error ; Interest. The bank did not provide me with a copy of a wet signature or anything in writing that gave Bank of America authorization to take money from my account.\n\nPursuant to 15 USC 1693f ( e ) ( 2 ) Treble damages. ( 2 ) the financial institution knowingly and willfully concluded that the consumers account was not in error when such conclusion could not reasonably have been drawn from the evidence available to the financial institution at the time of its investigation. Then the consumer shall be entitled to treble damages determined under section 1693m ( a ) ( 1 ) of this title.\n\n( f ) Acts constituting error. For the purpose of this section, an error consists of- ( 1 ) an unauthorized electronic fund transfer ( 6 ) a consumers request for additional information or clarification concerning an electronic fund transfer or any documentation required by this subchapter.\n\nI am requesting that the CFPB review this information and request that the bank pay treble damages that I am entitled to in order to fully resolve this matter. \n\nThank you, XXXX, XXXX XXXX.","date_sent_to_company":"2023-10-04T18:28:14.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"322XX","tags":null,"has_narrative":true,"complaint_id":"7645430","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-10-04T18:07:43.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["Pursuant to 15 USC 1693e ( a ) A preauthorized <em>electronic</em> <em>funds</em> transfer from a consumers account may be authorized by the consumer only in writing and a copy of such authorization shall be provided to the consumer when made."]},"sort":[14.720315,"7645430"]},{"_index":"complaint-public-v1","_id":"16585456","_score":14.665078,"_source":{"product":"Checking or savings account","complaint_what_happened":"Navy Federal Credit Union continues to withdraw funds from my XXXX XXXX  and savings accounts to pay a closed XXXX XXXX XXXX XXXX  credit card ( account # XXXX ) without my authorization. \n\nThe card was closed on XX/XX/XXXX, but internal transfers from my deposit accounts have continued through XXXX. I formally revoked authorization and disputed the debt on XX/XX/XXXX ( confirmation # XXXX ). \n\nXXXX XXXX responded on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX claiming that Section 5.a. of an old Credit Card Agreement allows them to pull money from my accounts indefinitely. I believe this violates : Electronic Fund Transfer Act ( 15 U.S.C. 1693 ; Reg E ) no ongoing authorization for electronic debits ; NCUA Regulation 707.11 failure to treat my dispute as an error investigation ; and XXXX Rev. Stat. 6:333 unauthorized access to consumer accounts. \n\nI am requesting that the CFPB require XXXX XXXX to : XXXX. Cease all internal offsets and debits from my deposit accounts ; XXXX. Conduct a full Reg E error investigation ; and XXXX. Reimburse all unauthorized transfers made since XXXX. \n\n\n\nIve attached screenshots of my messages and their replies.","date_sent_to_company":"2025-10-14T23:44:20.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"29730","tags":null,"has_narrative":true,"complaint_id":"16585456","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-10-14T23:20:27.000Z","state":"SC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["XXXX XXXX responded on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX claiming that <em>Section</em> 5.a. of an old Credit Card Agreement allows them to pull money from my accounts indefinitely. I believe this <em>violates</em> : <em>Electronic</em> Fund Transfer Act ( 15 U.S.C. 1693 ; Reg E ) no ongoing authorization for <em>electronic</em> debits ; NCUA Regulation 707.11 failure to treat my dispute as an <em>error</em> investigation ; and XXXX Rev. Stat. 6:333 unauthorized access to consumer accounts."]},"sort":[14.665078,"16585456"]},{"_index":"complaint-public-v1","_id":"8629332","_score":14.566507,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear CFPB, I am writing to file a formal complaint against JP Morgan Chase Bank for its blatant disregard of The Electronic Funds Transfer Act ( EFTA ) and my consumer rights. Under EFTA Regulation E ( 12 CFR 205.6 ), I have diligently notified the financial institution within the mandated XXXX calendar days following the unauthorized transfer event, which does not involve the loss or theft of an access device.\n\nDespite my repeated verbal notices to the financial institution regarding this unauthorized transfer, Chase has failed to acknowledge or address my concerns, thereby violating my rights as a consumer. According to Section 205.6 ( b ) ( 5 ) ( i ) of the EFTA, a consumer effectively limits their liability by providing pertinent information to the financial institution, regardless of whether a specific employee receives the information or not.\n\nFurthermore, it is evident that this unauthorized electronic transfer qualifies as an \" error '' under Regulation E 's liability and error resolution provisions, as stipulated in Section 205.12 ( a ) ( 1 ) ( iii ). As per the Truth In Lending Act, Regulation Es error resolution procedures must be followed by the financial institution in response to any oral or written notice of error from the consumer, as outlined in Section 205.11.\n\nDespite these legal obligations, JP Morgan Chase Bank has failed to comply with the necessary error resolution procedures and has neglected to address my concerns regarding the unauthorized transfer.\n\nI am requesting immediate action to rectify this matter, including but not limited to : 1. A thorough investigation into the unauthorized transfer.\n\n2. Reversal of the unauthorized transaction and restoration of my account.\n\n3. Confirmation of compliance with Regulation E 's error resolution procedures.\n\n4. Assurance of measures to prevent such incidents in the future.\n\nFailure to address this matter promptly will compel me to seek further action through regulatory authorities and legal channels. I trust that the Consumer Financial Protection Bureau will take appropriate action to ensure that JP Morgan Chase Bank fulfills its obligations under the law and upholds consumer rights.\n\nThank you for your attention to this matter.","date_sent_to_company":"2024-03-26T22:37:45.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"33064","tags":null,"has_narrative":true,"complaint_id":"8629332","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-03-26T22:21:21.000Z","state":"FL","company_public_response":null,"sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["Furthermore, it is evident that this unauthorized <em>electronic</em> transfer qualifies as an \" <em>error</em> '' under Regulation E 's liability and <em>error</em> resolution provisions, as stipulated in <em>Section</em> 205.12 ( a ) ( 1 ) ( iii ). As per the Truth In Lending Act, Regulation Es <em>error</em> resolution procedures must be followed by the financial institution in response to any oral or written notice of <em>error</em> from the consumer, as outlined in <em>Section</em> 205.11."],"issue":["Problem caused by your <em>funds</em> being low"]},"sort":[14.566507,"8629332"]},{"_index":"complaint-public-v1","_id":"8659574","_score":14.524396,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am writing to file a formal complaint against Navy Federal Credit Union for its blatant disregard of its commitment to its members and the mishandling of a situation involving unauthorized transactions on my account. Despite claiming to be dedicated to its members, Navy Federal Credit Union has failed to uphold its obligations under The Electronic Funds Transfer Act ( EFTA ) and has violated my consumer rights. My private information was compromised, leading to unauthorized transactions of my funds. As a responsible member, I promptly alerted Navy Federal Credit Union to seek assistance in rectifying this error. However, instead of providing the necessary support and assistance, Navy Federal Credit Union made matters worse by closing my accounts and forcing indebtedness upon me.This is not the treatment I expect or deserve as a member since XXXX. Navy Federal Credit Union 's actions are not only unjust but also in clear violation of the EFTA and my consumer rights.Under EFTA Regulation E ( 12 CFR 205.6 ), I fulfilled my obligation by notifying Navy Federal Credit Union within the mandated 60 calendar days following the unauthorized transfer event, as stated in the periodic statement. Despite making multiple verbal notices and personally visiting the bank to provide relevant information and request new account details, Navy Federal Credit Union chose to disregard my concerns and take drastic actions against me.As per Section 205.6 ( b ) ( 5 ) ( i ) of the EFTA, a consumer effectively limits their liability by taking reasonable steps to provide pertinent information to the financial institution, regardless of whether a specific employee receives the information. Navy Federal Credit Union 's failure to acknowledge this provision is deeply concerning and highlights its lack of commitment to its members ' well-being.Furthermore, as per the Truth In Lending Act, Section 205.12 ( a ) ( 1 ) ( iii ) specifies that Regulation Es liability and error resolution provisions apply to situations where the consumers account is overdrawn or when maintaining a specified minimum balance. The unauthorized Electronic Funds Transfer in my case clearly qualifies as an \" error '' that Navy Federal Credit Union is obligated to address and resolve promptly.I am not liable for any unauthorized transactions, and Navy Federal Credit Union 's actions have caused significant distress and inconvenience. Therefore, I am seeking the following actions to rectify this matter : Immediate reversal of any unauthorized transactions and restoration of funds to my account.Reinstatement of my accounts or provision of suitable alternatives.Confirmation of compliance with Regulation E 's error resolution procedures.Implementation of measures to prevent similar incidents in the future.I expect a prompt and satisfactory resolution to this matter. Failure to address these concerns will compel me to escalate this issue further, including seeking assistance from regulatory authorities and pursuing legal action against Navy Federal Credit Union.I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter and ensure that Navy Federal Credit Union fulfills its obligations under the law and upholds its commitment to its members.Thank you for your attention to this urgent matter. I look forward to your prompt response.","date_sent_to_company":"2024-03-30T12:45:41.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"33064","tags":"Servicemember","has_narrative":true,"complaint_id":"8659574","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-03-30T12:34:57.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Despite claiming to be dedicated to its members, Navy Federal Credit Union has failed to uphold its obligations under The <em>Electronic</em> <em>Funds</em> Transfer Act ( EFTA ) and has <em>violated</em> my consumer rights. My private information was compromised, leading to unauthorized transactions of my <em>funds</em>. As a responsible member, I promptly alerted Navy Federal Credit Union to seek assistance in rectifying this <em>error</em>."]},"sort":[14.524396,"8659574"]},{"_index":"complaint-public-v1","_id":"7214200","_score":14.355099,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"On XX/XX/2023, I signed a consumer credit contract with BMG LOANS AT WORK. The signing of the contract means that it was endorsed. This contract is subject to the Truth IN Lending Act. This contract has false and misleading statements that violate the CFPB RULES and U.S Codes. \n\nBMG required that I set up preauthorized electronic funds transfers as a condition for an extension of credit. This requirement violated 15 USC 1693, compulsory use of electronic fund transfers. This requirement was false and misleading and has caused me great harm. \n\nOn XX/XX/2023, I mailed off a billing error according to 15 USC 1666. BMG has failed to respond to the billing error as required by law but continues to attempt to collect alleged debt violating 15 USC 1666a. \n\nBMG threatens to send late payment to credit reporting agencies, although they have not sent the required disclosures under 15 USC 1666b, timing of payments. Section 1637b of title 15 has over 11 requirements to be disclosed in connection to a payment and I have not received one. Without such disclosures no payment should be treated as late, and to communicate such misleading information is a violation of 15 USC 1692e. \n\nBMG LOANS AT WORK is stating that there is a positive balance on the account. 15 USC 1666d explains how treatment of credit balances should be handled in a consumer credit transaction. BMG LOANS AT WORK is requiring that I pay the balance although the law states otherwise. Demanding I pay the positive credit balances is false and misleading practice BMG LOANS AT WORK has given false and inaccurate information and failed to provide information which creditor is required to disclose and is criminally liable under 15 U.S, C 1611 and failing to meet the requirements hold the creditor civilly liable under 15 U.S.C 1640","date_sent_to_company":"2023-07-06T21:48:19.000Z","issue":"Problem when making payments","sub_product":"Installment loan","zip_code":"30344","tags":null,"has_narrative":true,"complaint_id":"7214200","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EGL US, LLC","date_received":"2023-07-06T21:39:25.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["This contract has false and misleading statements that <em>violate</em> the CFPB RULES and U.S Codes. \n\nBMG required that I set up preauthorized <em>electronic</em> <em>funds</em> transfers as a condition for an extension of credit. This requirement <em>violated</em> 15 USC 1693, compulsory use of <em>electronic</em> fund transfers. This requirement was false and misleading and has caused me great harm. \n\nOn XX/XX/2023, I mailed off a billing <em>error</em> according to 15 USC 1666."]},"sort":[14.355099,"7214200"]},{"_index":"complaint-public-v1","_id":"11914639","_score":14.094934,"_source":{"product":"Checking or savings account","complaint_what_happened":"The core problem with this complaint towards Capital One is that theyve allowed my account to go negative, despite my Auto Decline settings, due to transaction processing delays.\n\nHow This Is an Overdraft Violation 1. The account was enrolled in Auto Decline.\n\nThis means Capital One was contractually obligated to prevent overdrafts by declining transactions that would exceed my balance. ( sufficient funds were available & account still managed to go negative ) Since the account went negative, Capital One failed to enforce Auto Decline, violating the account settings.\n\n2. Transactions processing delays caused your account to go negative.\n\nI had sufficient funds at the time of the transaction.\n\nHowever, due to delayed processing by Capital One and/or the merchant, the balance was incorrectly reduced after the transaction, pushing it into negative.\n\nThe overdraft happened not because I lacked funds, but because Capital Ones system mismanaged transaction timing.\n\n3. Capital One forced I the consumer to transfer funds to cover their mistake.\n\nOnce the account was negative, I had to manually transfer funds to bring it back positive.\n\nThis is an overdraft violation because as the consumer I should have never been placed in a negative balance to begin with under Auto Decline.\n\nThis effectively forced I to loan money to the bank, as I had to cover the negative balance that should not have existed.\n\nRegulatory & Contractual Violations 1. Breach of Contract ( Auto Decline Ignored ) Capital One states : Well generally decline transactions you cant cover.\n\nMy Auto Decline settings should have ensured that the transaction was either declined or properly processed.\n\nBy allowing an overdraft, Capital One breached this agreement and mismanaged my account settings.\n\n2. Violation of 15 U.S.C. 1693 ( Electronic Fund Transfer Act - EFTA ) 15 U.S.C. 1693e ( a ) : Consumers have the right to preauthorize or restrict certain electronic fund transfers.\n\nMy Auto Decline setting was a restriction that Capital One failed to enforce, violating federal protections.\n\n15 U.S.C. 1693f : This section requires financial institutions to investigate and correct errors in electronic transactions. Capital One failed to perform.\n\nThe bank ( Capital One ) allowed an unauthorized overdraft, which is an error that must be corrected. Capital One failed to correct.\n\n15 U.S.C. 1693m ( a ) : Prohibits financial institutions from imposing unauthorized liabilities on consumers. Capital One failed to uphold.\n\nBy forcing I as the consumer to transfer funds to fix their mistake, Capital One wrongfully imposed a financial liability on I, the consumer. \n\nAn account can go into a negative balance despite having sufficient funds due to the way transactions are processed. I had a phone call with capital one the day it happened XX/XX/year> I believe or XX/XX/XXXX & was constantly told I didnt have the sufficient funds & also there is nothing they can do to resolve the matter. \n\nDown below are listed some common reasons this happens : 1. Transaction Processing Delays Some transactions, especially debit card purchases, do not immediately settle. When you swipe your card, the bank may place a temporary authorization hold, but the actual charge may not post until later.\n\nIf other transactions post before the delayed charge, they might reduce your available balance, leading to an overdraft when the delayed charge finally posts.\n\n2. Merchant Processing Practices Some merchants ( e.g., gas stations, hotels, rental services ) pre-authorize a different amount than the final charge. If the bank holds a large pre-authorization, it may temporarily reduce your available balance, affecting how subsequent transactions are processed.\n\nA delayed adjustment by the merchant could make it appear that you had enough funds at the time, but the bank processes the final charge differently.\n\n3. Batch Processing by Banks and Merchants Banks process transactions in batches, not always in real-time. If multiple transactions are pending, they might be posted out of order, leading to an artificial negative balance.\n\nSome banks process larger transactions first ( rather than in chronological order ), increasing the likelihood of an overdraft even if smaller purchases should have gone through first.\n\n4. Holds and Pending Transactions Confusion A transaction may appear as pending but not actually deduct the funds from your balance until it settles.\n\nMeanwhile, another charge might post, reducing your available balance before the first transaction completes, causing an overdraft when the pending charge finally processes.\n\n5. Timing of Deposits vs. Withdrawals If you made a deposit to cover a transaction, but the deposit had a hold period or was processed after the charge, your balance might temporarily dip into negative.\n\nSome banks post withdrawals before deposits on the same day, even if both happen within minutes of each other.\n\n6. Bank System Errors or Policy Changes Some banks apply overdraft even when a balance is technically positive, due to glitches or policy changes in how they process transactions.\n\nIf your account is enrolled in Auto Decline, the transaction should have been denied, but since Capital One failed to enforce this, it suggests a system error or breach of contract.\n\nIn my case, it sounds like Capital One delayed processing my transactions, causing it to settle later when other transactions had already reduced my balancedespite the fact that I originally had enough money to cover it. This makes their overdraft invalid and unfair under both their policy and federal law.\n\nIf funds were transferred to cover the negative balance, Capital One must compensate I for the inconvenience caused by their violations. And I did credit the account as the consumer to bring the account back into standing.\n\nThis isnt about overdraft feesits about Capital One overriding the account settings, mismanaging transaction timing, and forcing I the consumer into an overdraft I never agreed to.\n\nUnder 15 U.S.C. 1693m ( a ) of the Electronic Fund Transfer Act ( EFTA ), a consumer can seek actual damages, statutory damages of up to {$1000.00} per violation, and legal fees for unauthorized electronic fund transfer violations. Since Capital Ones overdraft violation directly resulted from their failure to enforce Auto Decline that I am enrolled in, I am within my rights to demand compensation.\n\nUnder 15 U.S.C. 1693f, banks must investigate and correct errors within 10 business days, but they can extend to 45 days in some cases if they provisionally credit the account. ( I credited the account, Capital One did not. Nor did Capital One try to investigate the disturbance they caused Reasonable Timeframe for Capital One to Compensate : 10 business days for Capital One to acknowledge and begin investigating the complaint.\n\n30 calendar days for Capital One to resolve the issue and compensate I as the consumer.\n\nI expect full compensation within 30 Icalendar days from the date of this letter.","date_sent_to_company":"2025-02-03T16:35:33.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"33027","tags":null,"has_narrative":true,"complaint_id":"11914639","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-02-03T16:02:49.000Z","state":"FL","company_public_response":null,"sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["<em>Violation</em> of 15 U.S.C. 1693 ( <em>Electronic</em> Fund Transfer Act - EFTA ) 15 U.S.C. 1693e ( a ) : Consumers have the right to preauthorize or restrict certain <em>electronic</em> fund transfers.\n\nMy Auto Decline setting was a restriction that Capital One failed to enforce, <em>violating</em> federal protections.\n\n15 U.S.C. 1693f : This <em>section</em> requires financial institutions to investigate and correct <em>errors</em> in <em>electronic</em> transactions. Capital One failed to perform."],"issue":["Problem caused by your <em>funds</em> being low"]},"sort":[14.094934,"11914639"]},{"_index":"complaint-public-v1","_id":"3593982","_score":14.00281,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have called and sent in many letters in regards to the records management systems in order to get clarity on my record with XXXX but to no avail i need help in order to fix the many erroneous errors on my reports. \n\nThe erroneous errors found on my report are actually violations under the fair credit reporting act and i have attached them to this complaint to the cfpb not only for a resolution but to bring closure before i bring my attorney in for restitution and court costs for 20 years of sending letters and calls in regards to my credit. \n\nI have found ten ( 10 ) Violations on my credit report under the fair credit reporting act and the fair debt collections practices acts. My payment history is thirty-five percent of my credit score and this is not shown or reflected in the monthly payment legend on each account in my file. \n\nUnder section 611 ( a ) ( 2 ) and section 1681 ( i ) is my right for modifications to my accounts open or closed to reflect a accurate credit history under the fair credit reporting act as well as Fair and Accurate transactions acts, Electronic Funds Transactions Acts by which i demand accuracy in my credit record. The fair debt collections practices act of time barred debt is what i am disputing under section 1681 ( c ) as well as section 609 of the actual contract and record with a signed signature. \n\nI have pulled my credit report from XXXX XXXX and i have made changes with ink on my report along with the changes in ink with the law that i am disputing on each account with the sections and the law for a complete understanding by which i am disputing in order to correct the erroneously errors completely that i have submitted to my attorney. \n\nI have attached pages 1/30-12/30 of my credit report so that you can see the errors on the report by the law of the FTC. I also dont want them to use e-Oscar on the investigations of my disputes so that if in thirty days they dont respond i want the account deleted from my credit report","date_sent_to_company":"2020-04-06T00:06:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"43219","tags":null,"has_narrative":true,"complaint_id":"3593982","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-04-05T23:38:31.000Z","state":"OH","company_public_response":null,"sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["Under <em>section</em> 611 ( a ) ( 2 ) and <em>section</em> 1681 ( i ) is my right for modifications to my accounts open or closed to reflect a accurate credit history under the fair credit reporting act as well as Fair and Accurate transactions acts, <em>Electronic</em> <em>Funds</em> Transactions Acts by which i demand accuracy in my credit record."]},"sort":[14.00281,"3593982"]},{"_index":"complaint-public-v1","_id":"3593970","_score":13.996297,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have called and sent in many letters in regards to the records management systems in order to get clarity on my record with trans-union but to no avail i need help in order to fix the many erroneous errors on my reports. \n\nThe erroneous errors found on my report are actually violations under the fair credit reporting act and i have attached them to this complaint to the cfpb not only for a resolution but to bring closure before i bring my attorney in for restitution and court costs for 20 years of sending letters and calls in regards to my credit.\n\nI have found ten ( 10 ) Violations on my credit report under the fair credit reporting act and the fair debt collections practices acts. My payment history is thirty-five percent of my credit score and this is not shown or reflected in the monthly payment legend on each account in my file.\n\nUnder section 611 ( a ) ( 2 ) and section 1681 ( i ) is my right for modifications to my accounts open or closed to reflect a accurate credit history under the fair credit reporting act as well as Fair and Accurate transactions acts, Electronic Funds Transactions Acts by which i demand accuracy in my credit record. The fair debt collections practices act of time barred debt is what i am disputing under section 1681 ( c ) as well as section 609 of the actual contract and record with a signed signature.\n\nI have pulled my credit report from trans union and i have made changes with ink on my report along with the changes in ink with the law that i am disputing on each account with the sections and the law for a complete understanding by which i am disputing in order to correct the erroneously errors completely that i have submitted to my attorney. \n\nI have attached pages XXXX of my credit report so that you can see the errors on the report by the law of the FTC. I also dont want them to use e-Oscar on the investigations of my disputes so that if in thirty days they dont respond i want the account deleted from my credit report","date_sent_to_company":"2020-04-05T23:46:34.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"43219","tags":null,"has_narrative":true,"complaint_id":"3593970","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-04-05T22:54:33.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["Under <em>section</em> 611 ( a ) ( 2 ) and <em>section</em> 1681 ( i ) is my right for modifications to my accounts open or closed to reflect a accurate credit history under the fair credit reporting act as well as Fair and Accurate transactions acts, <em>Electronic</em> <em>Funds</em> Transactions Acts by which i demand accuracy in my credit record."]},"sort":[13.996297,"3593970"]},{"_index":"complaint-public-v1","_id":"16826503","_score":13.964312,"_source":{"product":"Checking or savings account","complaint_what_happened":"Since transferring my banking relationship to Wells Fargo, I have experienced repeated inconsistencies in how they apply the terms of their deposit account agreement. It appears Wells Fargo selectively enforces provisions to their benefit, while disregarding those that protect the customer. \n\nRecently, I attempted to deposit a government-issued check for {$1800.00}. The teller informed me that a four-business-day hold would be placed on the entire amount, with no release of the required {$220.00} the next business day as outlined in Wells Fargos Deposit Account Agreement . Due to this violation, I deposited the check at another financial institution that followed standard federal availability rules. \n\nAdditionally, the checks I ordered were printed incorrectly. When I called to resolve the issue, the representative reordered them but refused to expedite shipping. This left me unable to write checks for an extended period, despite the error being on Wells Fargos part. \n\nXXXX deposits have historically posted immediately. However, when my son sent {$110.00} via XXXX from his bank, Wells Fargo placed an unexplained hold on the funds. No notification or rationale was provided, violating the transparency and availability standards outlined in their agreement. \n\nThese actions contradict Wells Fargos stated policies in their Deposit Account Agreement, including : Section on Funds Availability ( Regulation CC compliance ) Timely notification of holds Immediate availability of electronic transfers Prompt correction of bank errors I am requesting an immediate review of my account and a written explanation for these discrepancies. Furthermore, I demand that all future deposits and transactions be processed in accordance with the full terms of the Deposit Account Agreement, without arbitrary delays or selective enforcement.","date_sent_to_company":"2025-10-26T18:32:27.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"388XX","tags":null,"has_narrative":true,"complaint_id":"16826503","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-10-26T18:14:07.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["These actions contradict Wells Fargos stated policies in their Deposit Account Agreement, including : <em>Section</em> on <em>Funds</em> Availability ( Regulation CC compliance ) Timely notification of holds Immediate availability of <em>electronic</em> transfers Prompt correction of bank <em>errors</em> I am requesting an immediate review of my account and a written explanation for these discrepancies."]},"sort":[13.964312,"16826503"]},{"_index":"complaint-public-v1","_id":"3370294","_score":13.475279,"_source":{"product":"Checking or savings account","complaint_what_happened":"There was a fradulent fale stop payment made by XXXX XXXX of XXXX XXXX. On or around XX/XX/XXXX 2019- XX/XX/XXXX2019 that must be put into investigation and my account re credited for this error. This is the actual receipt of the XXXX ice maker inside the False stop payment XXXX refrigerator. It was manufactured in XXXX of 2019.I showed images of the box it came in with serial number above. \nServices Received By The XXXX XXXX XXXX Bank XXXX XXXX XXXX. \n1 Brand New XXXX XXXX XXXX maker. total assembly with warranty that can be verified. \nPart Inquiring Service on the phone 20 minutes on Hold putting part on will call Part Expedition Service Receiving Part Same Day Service Fee Part Purchasing No Deposit given Part Picking Up Requires Driving to The Supply Location ( Time, Driving Part Correct Part Confirmation Testing New Part Service Part Transporting From Supply house To Customer Service address, Service Fee Old Part uninstall removal Service fee New Part Install Removal Service Fee 2 Service Calls fee Ice maker adjusting and then unadjusting service fee Saturday Service Weekend fee nd I still kept it within the Original quoting Everything was done to the highest grade of competency. I tested the water supply to the ice maker verified water supply and water dispenser. I replaced the old ice maker with a brand new XXXX ice maker that was tested before installing gave him a 25 day warranty on labor and 1 year warranty on the part. He had inconsistencies with the electrical breaker and receptacle. I told him to hive a residential electrician analyses and correct any non grounding and short issues and also to child proof any receptacles around the interior of building but he didnt. He dishonestly files a stop payment with an intent to defraud.You dont stop payment because you dont want to understand. he kept requesting a new Ice maker so he got what he asked for same day. And then he stops payment.Obviously he doesnt know what he is talking about. Or else he would have fixed the issue himself. This is a bank error on Chase bank and this false illegal stop payment requires reversal and fees put back into XXXX XXXX account in the total of {$270.00} requires reversal being removed from XXXX XXXX account hes a defrauder and he abused and co conspired the bank so underhandedly and this checks holder be put on XXXX  so he cant do these defrauding things any longer. Because making Chase bank aware of this with undisputed burden of proof evidence and they dont follow the regulation of Regulation E, FDIC, EFT, will put the bank in illegal circumstances. This matter is to be put into investigation. We require response to the matter with 7 days. \nElectronic Fund Transfer Act In 1979, the Electronic Fund Transfer Act ( EFTA ), also known as Regulation E, was implemented to protect consumers when they use electronic means and check are also covered to manage their finances. \nCompensation for Violations of the EFTA Electronic funds transaction act. \nIf a financial institution breaks laws established by the EFTA, you may be able to sue for damages in court. Thats if they refuse to credit the money back or correct an error. You can also sue if they fail to prevent a transfer when you reported the lost or stolen card and told them to freeze the account. Youre entitled to the money lost and potentially punitive damages between $ XXXX {$1000.00} as well as court fees and attorneys fees. \nI have rendered the service based on agreement, and I am entitled to that money. The demand letter in this complaint Chase bank can not say they did not receive it. Requesting a demand for payment the fraudulent stop payment within 7 days or you will file in the small claims court. As per FDIC Rules and Regulations : SECTION 1005.11 PROCEDURES FOR RESOLVING ERRORS 5. Discovery of error by institution. The error resolution procedures of this section apply when a notice of error is received from the consumer, and not when the financial institution itself discovers and corrects an error. \n\n11 ( c ) Time Limits and Extent of Investigation Supplement I to Part 1005Official Interpretations SECTION 1005.2 DEFINITIONS 1. Fund transfers covered. The term \" electronic fund transfer '' includes : v. A transfer via ACH where a consumer has provided a check to enable the merchant or other payee to capture the routing, account, and serial numbers to initiate the transfer, whether the check is blank, partially completed, or fully completed and signed ; whether the check is presented at POS or is mailed to a merchant or other payee or lockbox and later converted to an EFT ; or whether the check is retained by the consumer, the merchant or other payee, or the payee 's financial institution. \n\n\nSupplement I to Part 1005OfficiaXXXX Interpretations Investigations. \nSECTION 1005.2 DEFINITIONS 11 ( d ) ( 2 ) Debiting Provisional Credit 1. Alternative procedure for debiting of credited funds. The financial institution may comply with the requirements of this section by notifying the consumer that the consumer 's account will be debited five business days from the transmittal of the notification, specifying the calendar date on which the debiting will occur. \n2. 1. Notice to consumer. Unless otherwise indicated in this section, the financial institution may provide the required notices to the consumer either orally or in writing. \n3. 2. Written confirmation of oral notice. A financial institution must begin its investigation promptly upon receipt of an oral notice. It may not delay until it has received a written confirmation. \n4. 3. Charges for error resolution. If a billing error occurred, whether as alleged or in a different amount or manner, the financial institution may not impose a charge related to any aspect of the error-resolution process ( including charges for documentation or investigation ). Since the Act grants the consumer error-resolution rights, the institution should avoid any chilling effect on the good-faith assertion of errors that might result if charges are assessed when no billing error has occurred. \n5. 4. Correction without investigation. A financial institution may make, without investigation, a final correction to a consumer 's account in the amount or manner alleged by the consumer to be in error, but must comply with all other applicable requirements of 1005.11. \n6. 5. Correction notice. A financial institution may include the notice of correction on a periodic statement that is mailed or delivered within the 10-business-day or 45-calendar-day time limits and that clearly identifies the correction to the consumer 's account. The institution must determine whether such a mailing will be prompt enough to satisfy the requirements of this section, taking into account the specific facts involved. \n7. 6. Correction of an error. If the financial institution determines an error occurred, within either the 10-day or 45-day period, it must correct the error ( subject to the liability provisions of 1005.6 ( a ) and ( b ) ) including, where applicable, the crediting of interest and the refunding of any fees imposed by the institution. In a combined credit/EFT transaction, for example, the institution must refund any finance charges incurred as a result of the error. The institution need not refund fees that would have been imposed whether or not the error occurred. \n8. 7. Extent of required investigation. A financial institution complies with its duty to investigate, correct, and report its determination regarding an error described in 1005.11 ( a ) ( 1 ) ( vii ) by transmitting the requested information, clarification, or documentation within the time limits set forth in 1005.11 ( c ). If the institution has provisionally credited the consumer 's account in accordance with 1 9. \n10. SECTION 1005.2 DEFINITIONS 11. 11 ( d ) ( 2 ) Debiting Provisional Credit 12. 1. Alternative procedure for debiting of credited funds. The financial institution may comply with the requirements of this section by notifying the consumer that the consumer 's account will be debited five business days from the transmittal of the notification, specifying the calendar date on which the debiting will occur. \n\nDeceptive Trade Practices Act : XXXX XXXX has violated this law : he has violated this law. the price paid is substantial evidence to support that he asked how long was the warranty? because he knows it is brand new period. He still has this stolen property in his possession. I may also recover up to three times damages, he knowingly commited this fraud and implicated the bank in the process. \nCalifornia Business & Professions Code 17200 prohibits any unlawful, ... [ A ] ny unlawful, unfair or fraudulent business act or practice is deemed ... section 17200 common law fraud or deception.","date_sent_to_company":"2019-09-11T07:49:48.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"90504","tags":null,"has_narrative":true,"complaint_id":"3370294","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-09-11T03:23:25.000Z","state":"CA","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["<em>Electronic</em> Fund Transfer Act In 1979, the <em>Electronic</em> Fund Transfer Act ( EFTA ), also known as Regulation E, was implemented to protect consumers when they use <em>electronic</em> means and check are also covered to manage their finances. \nCompensation for <em>Violations</em> of the EFTA <em>Electronic</em> <em>funds</em> transaction act. \nIf a financial institution breaks laws established by the EFTA, you may be able to sue for damages in court. Thats if they refuse to credit the money back or correct an <em>error</em>."]},"sort":[13.475279,"3370294"]},{"_index":"complaint-public-v1","_id":"9247930","_score":13.468068,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX I purchased a phone for {$200.00}, however I was scammed and never received the product. \n\nI reached out to the merchant XXXX XXXX but there was no resolve after multiple attempts so I filed a dispute with Wells Fargo on XX/XX/XXXX. \n\nXXXX XXXX, better known as XXXX XXXX did nothing to assist and neither did Wells Fargo. \n\nI was told Wells Fargo does not cover claims since I paid on my free will and my card was not mis-used since XXXX XXXX payments are made by the person. \n\nThe CFPB filed a lawsuits in XXXX against XXXX XXXX for depriving consumers of access to their funds or failed to adequately address customer concerns regarding fraud and errors in a manner that is unfair in violation of Sections 1031 and 1036 of the Consumer Financial Protection Act, 12 U.S.C. 5531, 5536 ; or ( 2 ) failed to follow the requirements applicable to resolving errors and liability of Case XXXX Document XXXX Filed XX/XX/XXXX Page 1 of 10 PETITION TO ENFORCE CIVIL INVESTIGATIVE DEMANDS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX consumers for unauthorized transfers in a manner that violates Regulation E, 12 C.F.R. Part 1005, Subpart A, implementing the Electronic Fund Transfer Act, 15 U.S.C. 1693 et seq., principally 12 C.F.R. 1005.11 and 1005.6, or 12 C.F.R. 1005.18 ( d ) and 1005.18 ( e ).\n\nAccording to the Electronic Fund Transfer Act, in the event of theft or loss, and more than 2 business days of reporting the incident to the financial institution there is a maximum liability of the total sum.\n\nPlease assist with this matter. Thank you.","date_sent_to_company":"2024-06-13T14:31:07.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"30305","tags":null,"has_narrative":true,"complaint_id":"9247930","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-06-13T14:19:06.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Money was taken from your account on the wrong day or for the wrong amount"},"highlight":{"complaint_what_happened":["The CFPB filed a lawsuits in XXXX against XXXX XXXX for depriving consumers of access to their <em>funds</em> or failed to adequately address customer concerns regarding fraud and <em>errors</em> in a manner that is unfair in <em>violation</em> of <em>Sections</em> 1031 and 1036 of the Consumer Financial Protection Act, 12 U.S.C. 5531, 5536 ; or ( 2 ) failed to follow the requirements applicable to resolving <em>errors</em> and liability of Case XXXX Document XXXX Filed XX/XX/XXXX Page 1 of 10 PETITION TO ENFORCE CIVIL INVESTIGATIVE DEMANDS"]},"sort":[13.468068,"9247930"]},{"_index":"complaint-public-v1","_id":"6013979","_score":13.096986,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XXXX XXXXXXXX XXXX I was robbed of my vehicle, house keys, wallet and phone by someone I knew who I allowed into my home while I was asleep. They completely cleared all the money ( {$5300.00} ) I had to my name on cash app by sending an authorized payment to another cash app user using my stolen device.When I woke up and obtained a phone from a neighbor I made a police report in regards to documenting and catching the perpetrator and contacted cash app seeking my funds back. Upon giving me the run around after I gave them all the information asked for including the doc # for my fraud and auto theft case they told me they could not do anything. I lost my home and was struggling to take care of my family for over two months after being denied help. In accordance to regulation E Cash app has committed several violations in respect to my rights. I contacted them the same day XX/XX/XXXX so my liability should have been relinquished as I responded to the incident in a timely manner .After they concluded their investigation on XX/XX/XXXX I was told nothing could be done and I was left with nothing .My funds were on my cash app balance which are fdic insured up to XXXX I was not given provisional credits or an explanation as to why I was liable when I was a victim of fraud/auto theft and more recently identity theft as my personal documents ( ss/birth certificate ) were stolen as well. Consumer Liability for Unauthorized Transfers Electronic Fund Transfer Act Event Loss or theft of access device1 Loss or theft of access device Timing of Consumer Notice to Financial Institution Within two business days after learning of loss or theft More than two business days after learning of loss or theft up to 60 calendar days after transmittal of statement showing first unauthorized transfer made with access device More than 60 calendar days after transmittal of statement showing first unauthorized transfer made with access device Within 60 calendar days after transmittal of the periodic statement on which the unauthorized transfer first appears More than 60 calendar days after transmittal of the periodic statement on which the unauthorized transfer first appears Maximum Liability Lesser of {$50.00} or total amount of unauthorized transfers Lesser of {$500.00} or the sum of : ( a ) {$50.00} or the total amount of unauthorized transfers occurring in the first two business days, whichever is less, and ( b ) The amount of unauthorized transfers occurring after two business days and before notice to the financial institution.2 For transfers occurring within the 60-day period, the lesser of {$500.00} or the sum of ( a ) Lesser of {$50.00} or the amount of unauthorized transfers in first two business days, and ( b ) The amount of unauthorized transfers occurring after two business days.\n\nFor transfers occurring after the 60-day period, unlimited liability ( until the financial institution is notified ) .3 No liability.\n\nUnlimited liability for unauthorized transfers occurring 60 calendar days after the periodic statement and before notice to the financial institution.\n\nLoss or theft of access device Unauthorized transfer ( s ) not involving loss or theft of an access device Unauthorized transfer ( s ) not involving loss or theft of an access device 1. Includes a personal identification number ( PIN ) if used without a card in a telephone transaction, for example.\n\n2. Provided the financial institution demonstrates that these transfers would not have occurred had notice been given within the two-business-day period.\n\n3. Provided the financial institution demonstrates that these transfers would not have occurred had notice been given within the 60-day period. \nReg. E According to Regulation E cash app failed to protect their consumer and committed several violations. The remedies I am seeking as well as violations that occurred are as follows : TREBLE DAMAGES. -- If in any action under section 915, the court finds that -- ( 1 ) the financial institution did not provisionally recredit a consumer 's account within the ten-day period specified in subsection ( c ), and the financial institution ( A ) did not make a good faith investigation of the alleged error, or ( B ) did not have a reasonable basis for believing that the consumer 's account was not in error ; or ( 2 ) the financial institution knowingly and willfully concluded that the consumer 's account was not in error when such conclusion could not reasonably have been drawn from the evidence available to the financial institution at the time of its investigation, then the consumer shall be entitled to treble damages determined under section 915 ( a ) ( 1 ).\n\n( f ) ACTS CONSTITUTING ERROR. -- For the purpose of this section, an error consists of -- ( 1 ) an unauthorized electronic fund transfer ; ( 2 ) an incorrect electronic fund transfer from or to the consumer 's account ; [ Codified to 15 U.S.C . 1693f ] I want my funds returned to me in the amount of {$5300.00} as well as the funds for damages I am owed for violation of my rights. I have all of my previous correspondences with Cash app and emails between myself and the detective if those need to be furnished.","date_sent_to_company":"2022-09-23T11:36:13.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"19148","tags":null,"has_narrative":true,"complaint_id":"6013979","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2022-09-23T10:47:50.000Z","state":"PA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["( f ) ACTS CONSTITUTING <em>ERROR</em>. -- For the purpose of this <em>section</em>, an <em>error</em> consists of -- ( 1 ) an unauthorized <em>electronic</em> fund transfer ; ( 2 ) an incorrect <em>electronic</em> fund transfer from or to the consumer 's account ; [ Codified to 15 U.S.C . 1693f ] I want my <em>funds</em> returned to me in the amount of {$5300.00} as well as the <em>funds</em> for damages I am owed for <em>violation</em> of my rights."]},"sort":[13.096986,"6013979"]},{"_index":"complaint-public-v1","_id":"15195761","_score":12.9604645,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"FORMAL DISPUTE & DEMAND FOR RESOLUTION To : Capital One Bank ( USA ), N.A. \nFrom : XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, LA XXXX Date : XX/XX/year> Subject : Dispute Regarding Secured Card Funds Hold/ Improper Restriction I. BACKGROUND I am submitting this as a formal dispute under the Fair Credit Billing Act ( FCBA ), Truth in Lending Act ( TILA ), Electronic Fund Transfer Act ( EFTA ), Regulation Z, and applicable Louisiana consumer protection laws. Capital One placed a hold or restriction on my secured card funds without legal justification, failed to provide timely written notice, and improperly linked an unrelated account dispute to my secured card account. The secured card funds were my own collateral and were not tied to the mobile check deposit in question. Your own secured card department confirmed that my account was good. \nII. LEGAL BASIS 1. Fair Credit Billing Act ( 15 U.S.C. 16661666j ) Requires resolution of billing disputes within two billing cycles, not exceeding 90 days. 2. Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) Requires clear disclosure of account terms and prohibits undisclosed holds or freezes. 3. Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) Requires prompt investigation and provisional credit within 10 business days. 4. Regulation Z ( 12 C.F.R. 1026 ) Limits liability for unauthorized use and requires timely resolution of disputes. 5. Bank Secrecy Act ( 31 U.S.C. 53115332 ) Even when fraud is suspected, written notice and reasonable basis are required for restrictions. 6. Louisiana Unfair Trade Practices and Consumer Protection Law ( La. R.S. 51:14011420 ) Prohibits unfair or deceptive acts in commerce. \nIII. VIOLATIONS Capital Ones actions violate the above statutes by : ( 1 ) failing to provide written notice ; ( 2 ) restricting collateral funds without contractual or legal basis ; ( 3 ) failing to investigate within required timeframes ; and ( 4 ) improperly connecting unrelated account activity to justify restrictions. \nIV. REQUESTED RESOLUTION I request the following : - Immediate release of my secured card funds. \n- Written explanation citing the specific contract section or law that justifies the hold. \n- Compensation for financial losses or fees caused by the restriction. \nIf this matter is not resolved within 15 days, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), Office of the Comptroller of the Currency ( OCC ), and Louisiana Attorney General. Fair Credit Billing Act ( FCBA ) 15 U.S.C. 16661666j Protects against billing errors and requires creditors to investigate and correct disputes within two billing cycles ( not over 90 days ). \nCovers transactions that were unauthorized, incorrectly posted, or otherwise improperly processed. \n2. Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq.\n\nRequires clear disclosure of account terms, fees, and procedures for holding or freezing funds.\n\nIf Capital One failed to notify you or applied undisclosed terms, its a TILA violation.\n\n3. Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693 et seq. \nIf funds were accessed or restricted electronically without proper notice or authorization, this applies. \nRegulation E ( 12 C.F.R. 1005 ) requires prompt investigation of any reported error ( 10 business days standard ; 45 days max with provisional credit ).\n\n4. Regulation Z 12 C.F.R. 1026 Implements TILA ; requires that credit card issuers not impose liability for unauthorized transactions beyond {$50.00} and must resolve disputes promptly.\n\n5. Bank Secrecy Act / Anti-Money Laundering Rules If Capital One cites possible fraud they must still provide you written notice and a reasonable basis for account restrictions, per 31 U.S.C. 53115332. \n6. Consumer Financial Protection Act 12 U.S.C. 54815603 Gives the CFPB authority to enforce against unfair, deceptive, or abusive acts or practices ( UDAAP ).\n\nFreezing a secured card with no valid link to the disputed transaction can be argued as an abusive practice.\n\nIII. State Law ( Louisiana ) Louisiana has consumer protection provisions under : Louisiana Unfair Trade Practices and Consumer Protection Law La. R.S. 51:14011420 Prohibits unfair or deceptive acts in commerce ; applies to banks and lenders in consumer transactions.","date_sent_to_company":"2025-08-10T16:54:19.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"707XX","tags":null,"has_narrative":true,"complaint_id":"15195761","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-08-10T16:29:35.000Z","state":"LA","company_public_response":null,"sub_issue":"Billing dispute for services"},"highlight":{"complaint_what_happened":["If Capital One failed to notify you or applied undisclosed terms, its a TILA <em>violation</em>.\n\n3. <em>Electronic</em> Fund Transfer Act ( EFTA ) 15 U.S.C. 1693 et seq. \nIf <em>funds</em> were accessed or restricted <em>electronically</em> without proper notice or authorization, this applies. \nRegulation E ( 12 C.F.R. 1005 ) requires prompt investigation of any reported <em>error</em> ( 10 business days standard ; 45 days max with provisional credit ).\n\n4."]},"sort":[12.9604645,"15195761"]},{"_index":"complaint-public-v1","_id":"15195432","_score":12.9604645,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"FORMAL DISPUTE & DEMAND FOR RESOLUTION To : XXXXXXXX XXXX XXXX  ( XXXX ), XXXX. \nFrom : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, LA XXXX Date : XX/XX/2025 Subject : Dispute Regarding Secured Card Funds Hold/ Improper Restriction I. BACKGROUND I am submitting this as a formal dispute under the Fair Credit Billing Act ( FCBA ), Truth in Lending Act ( TILA ), Electronic Fund Transfer Act ( EFTA ), Regulation Z, and applicable Louisiana consumer protection laws. XXXX XXXX placed a hold or restriction on my secured card funds without legal justification, failed to provide timely written notice, and improperly linked an unrelated account dispute to my secured card account. The secured card funds were my own collateral and were not tied to the mobile check deposit in question. Your own secured card department confirmed that my account was good. \nII. LEGAL BASIS 1. Fair Credit Billing Act ( 15 U.S.C. 16661666j ) Requires resolution of billing disputes within two billing cycles, not exceeding 90 days. 2. Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) Requires clear disclosure of account terms and prohibits undisclosed holds or freezes. 3. Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) Requires prompt investigation and provisional credit within 10 business days. 4. Regulation Z ( 12 C.F.R. 1026 ) Limits liability for unauthorized use and requires timely resolution of disputes. 5. Bank Secrecy Act ( 31 U.S.C. XXXX ) Even when fraud is suspected, written notice and reasonable basis are required for restrictions. 6. Louisiana Unfair Trade Practices and Consumer Protection Law ( La. R.S. 51:14011420 ) Prohibits unfair or deceptive acts in commerce.\n\nIII. VIOLATIONS XXXXXXXX XXXX actions violate the above statutes by : ( 1 ) failing to provide written notice ; ( 2 ) restricting collateral funds without contractual or legal basis ; ( 3 ) failing to investigate within required timeframes ; and ( 4 ) improperly connecting unrelated account activity to justify restrictions.\n\nIV. REQUESTED RESOLUTION I request the following : - Immediate release of my secured card funds. \n- Written explanation citing the specific contract section or law that justifies the hold. \n- Compensation for financial losses or fees caused by the restriction. \nIf this matter is not resolved within 15 days, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), Office of the Comptroller of the Currency ( OCC ), and Louisiana Attorney General. Fair Credit Billing Act ( FCBA ) 15 U.S.C. 16661666j Protects against billing errors and requires creditors to investigate and correct disputes within two billing cycles ( not over 90 days ).\n\nCovers transactions that were unauthorized, incorrectly posted, or otherwise improperly processed.\n\n2. Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq. \nRequires clear disclosure of account terms, fees, and procedures for holding or freezing funds. \nIf XXXX XXXX failed to notify you or applied undisclosed terms, its a TILA violation. \n3. Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693 et seq.\n\nIf funds were accessed or restricted electronically without proper notice or authorization, this applies. \nRegulation E ( 12 C.F.R. 1005 ) requires prompt investigation of any reported error ( 10 business days standard ; 45 days max with provisional credit ).\n\n4. Regulation Z 12 C.F.R. 1026 Implements TILA ; requires that credit card issuers not impose liability for unauthorized transactions beyond {$50.00} and must resolve disputes promptly.\n\n5. Bank Secrecy Act / Anti-Money Laundering Rules If XXXX XXXX  cites possible fraud they must still provide you written notice and a reasonable basis for account restrictions, per 31 U.S.C. 53115332. \n6. Consumer Financial Protection Act 12 U.S.C. 54815603 Gives the CFPB authority to enforce against unfair, deceptive, or abusive acts or practices ( UDAAP ).\n\nFreezing a secured card with no valid link to the disputed transaction can be argued as an abusive practice.\n\nIII. State Law ( Louisiana ) Louisiana has consumer protection provisions under : Louisiana Unfair Trade Practices and Consumer Protection Law La. R.S. 51:14011420 Prohibits unfair or deceptive acts in XXXX ; applies to banks and lenders in consumer transactions.","date_sent_to_company":"2025-08-10T16:54:19.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"707XX","tags":null,"has_narrative":true,"complaint_id":"15195432","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-10T16:53:53.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Billing dispute for services"},"highlight":{"complaint_what_happened":["If XXXX XXXX failed to notify you or applied undisclosed terms, its a TILA <em>violation</em>. \n3. <em>Electronic</em> Fund Transfer Act ( EFTA ) 15 U.S.C. 1693 et seq.\n\nIf <em>funds</em> were accessed or restricted <em>electronically</em> without proper notice or authorization, this applies. \nRegulation E ( 12 C.F.R. 1005 ) requires prompt investigation of any reported <em>error</em> ( 10 business days standard ; 45 days max with provisional credit ).\n\n4."]},"sort":[12.9604645,"15195432"]},{"_index":"complaint-public-v1","_id":"10973784","_score":12.874103,"_source":{"product":"Credit card","complaint_what_happened":"I am writing to formally file a complaint regarding my ongoing issues with identity theft and data breaches that have resulted in unauthorized transactions on my bank account and credit cards. \n\nAs a victim of identity theft, I have experienced fraudulent charges that have severely impacted my financial situation. In XX/XX/year>, I submitted fraud claims to Capital One for both my bank account and credit card accounts. However, to date, my accounts have not been credited for the fraudulent charges, which is beyond the legal time frame for resolving such issues as outlined in the Fair Credit Billing Act ( FCBA ) and the Electronic Fund Transfer Act ( EFTA ). \n\nCapital One customer service representatives have informed me that I must wait up to 90 days for the completion of their investigation before any credits can be released. This extended delay is causing significant financial distress, as the inaccurate balances on my accounts continue to create additional problems for me, affecting my ability to access funds and manage my finances responsibly. \n\nAccording to Section 1693g of the EFTA, consumers are entitled to prompt investigation and resolution of unauthorized electronic fund transfers. Furthermore, the FCBA provides consumers with rights regarding the investigation of billing errors. The lack of timely action on my claims not only violates my rights as a consumer but also hinders my ability to resolve the detrimental effects of identity theft. \n\nI request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and assist in ensuring that Capital One adheres to the requirements set forth by federal law. I appreciate your attention to my complaint and look forward to your prompt response.","date_sent_to_company":"2024-11-30T01:52:06.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"90247","tags":null,"has_narrative":true,"complaint_id":"10973784","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-11-30T01:41:25.000Z","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":["This extended delay is causing significant financial distress, as the inaccurate balances on my accounts continue to create additional problems for me, affecting my ability to access <em>funds</em> and manage my finances responsibly. \n\nAccording to <em>Section</em> 1693g of the EFTA, consumers are entitled to prompt investigation and resolution of unauthorized <em>electronic</em> fund transfers. Furthermore, the FCBA provides consumers with rights regarding the investigation of billing <em>errors</em>."]},"sort":[12.874103,"10973784"]},{"_index":"complaint-public-v1","_id":"4844280","_score":12.826521,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"As a federally protected consumer and natural person BANK OF AMERICA has violated my rights.BANK OF AMERICA is in violation of the ELECTRONIC FUNDS TRANSFER ACT ( REGULATION E ) .Pursuant to 12 CFR 1005.2 ( I ) & 15 U.S. Code 1693a ( 9 ) Financial institution means a bank that directly or indirectly holds an account belonging to a consumer.The account BANK OF AMERICA holds for me belongs to me only not them.BANK OF AMERICA is also in violation of the TRUTH IN LENDING ACT ( REGULATION Z ). Pursuant to 12 CFR 226.2 ( 20 ) they have violated the terms of our open end credit plan. TAKE NOTICE PURSUANT TO 15 U.S. CODE 1666 ( E ) THE CREDITOR LEGALLY AGREES TO FORFEITS ANY RIGHTS TO COLLECT FROM THE OBLIGOR THE AMOUNT INDICATED IN THIS DISPUTE, WITH RESOLVING THESE BILLING ERRORS.AS THE CREDITOR, YOU BANK OF AMERICA MAY NOT COLLECT ANY DISPUTED AMOUNT, I THE CONSUMER DOES NOT NEED TO PAY, A CREDITOR SHALL NOT ACCELERATE ANY PART OF THE CONSUMER 'S INDEBTEDNESS OR RESTRICT OR CLOSE A CONSUMER 'S ACCOUNT SOLELY BECAUSE THE CONSUMER HAS EXERCISED IN GOOD FAITH RIGHTS PROVIDED BY THIS SECTION.SUCH ACTIONS BY BANK OF AMERICA WILL FORFEIT ITS RIGHTS TO COLLECT THE DISPUTED AMOUNT AS DESCRIBED IN 15 U.S. CODE 1666 ( E ) AND PURSUANT TO 12 CFR 1026.13 ( D ) ( 3 ) ; AND HOLD THE CREDITOR BANK OF AMERICA LIABLE PURSUANT TO 15 U.S. CODE 1693M FOR THE ACTUAL DAMAGE CAUSED TO I.","date_sent_to_company":"2021-10-26T14:47:02.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"33313","tags":null,"has_narrative":true,"complaint_id":"4844280","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2021-10-26T14:05:27.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company won't increase or decrease your credit limit"},"highlight":{"complaint_what_happened":["As a federally protected consumer and natural person BANK OF AMERICA has <em>violated</em> my rights.BANK OF AMERICA is in <em>violation</em> of the <em>ELECTRONIC</em> <em>FUNDS</em> TRANSFER ACT ( REGULATION E ) .Pursuant to 12 CFR 1005.2 ( I ) & 15 U.S. Code 1693a ( 9 ) Financial institution means a bank that directly or indirectly holds an account belonging to a consumer.The account BANK OF AMERICA holds for me belongs to me only not them.BANK OF AMERICA is also in <em>violation</em> of the TRUTH IN LENDING ACT ( REGULATION Z )."]},"sort":[12.826521,"4844280"]},{"_index":"complaint-public-v1","_id":"6818746","_score":12.39052,"_source":{"product":"Checking or savings account","complaint_what_happened":"This bank is not acting in accordance with Regulation E in the process of a debit card dispute. Their argument is that my claim reason is not eligible for a temporary credit under Reg E, which is false. The regulation broadly covers all types of ETFs from the account, with no particular exclusions.\n\nI will be attaching direct excerpts from the regulation below to explain the banks violations : EXERPT 1 ( 1 ) Ten-day period. A financial institution shall investigate promptly and, except as otherwise provided in this paragraph ( c ), shall determine whether an error occurred within 10 business days of receiving a notice of error. The institution shall report the results to the consumer within three business days after completing its investigation. The institution shall correct the error within one business day after determining that an error occurred. \n( 2 ) Forty-five day period. If the financial institution is unable to complete its investigation within 10 business days, the institution may take up to 45 days from receipt of a notice of error to investigate and determine whether an error occurred, provided the institution does the following : ( i ) Provisionally credits the consumer 's account in the amount of the alleged error ( including interest where applicable ) within 10 business days of receiving the error notice. If the financial institution has a reasonable basis for believing that an unauthorized electronic fund transfer has occurred and the institution has satisfied the requirements of 1005.6 ( a ), the institution may withhold a maximum of {$50.00} from the amount credited. \n\nThe bank has not applied a provisional credit to my account after 10 business days. Instead, they have informed me that my claim is not covered under Regulation E, which is false and not explicitly stated in the regulation. \n\nEXERPT 2 An institution need not provisionally credit the consumer 's account if : A ) The institution requires but does not receive written confirmation within 10 business days of an oral notice of error ; or ( B ) The alleged error involves an account that is subject to Regulation T of the Board of Governors of the Federal Reserve System ( Securities Credit by Brokers and Dealers, 12 CFR part 220 ) ; ( ii ) Informs the consumer, within two business days after the provisional crediting, of the amount and date of the provisional crediting and gives the consumer full use of the funds during the investigation ; ( iii ) Corrects the error, if any, within one business day after determining that an error occurred ; and ( iv ) Reports the results to the consumer within three business days after completing its investigation ( including, if applicable, notice that a provisional credit has been made final ). \n\nThe institution did not request written confirmation, but I sent supporting documentation the same day I filed the claim, and confirmed it was received and attached by the bank. None of the other exceptions in this excerpt were satisfied by the bank. \n\nEXERPT 3 ( 3 ) Extension of time periods. The time periods in paragraphs ( c ) ( 1 ) and ( c ) ( 2 ) of this section are extended as follows : ( i ) The applicable time is 20 business days in place of 10 business days under paragraphs ( c ) ( 1 ) and ( 2 ) of this section if the notice of error involves an electronic fund transfer to or from the account within 30 days after the first deposit to the account was made. \n( ii ) The applicable time is 90 days in place of 45 days under paragraph ( c ) ( 2 ) of this section, for completing an investigation, if a notice of error involves an electronic fund transfer that : ( A ) Was not initiated within a state ; ( B ) Resulted from a point-of-sale debit card transaction ; or ( C ) Occurred within 30 days after the first deposit to the account was made. \n\nThe fund transfer was completed after 30 days of the first deposit to my account, and even if this condition was satisfied, the bank would be required to credit my account within 20 business days instead of 10. Again, none of the other exceptions are satisfied here for my specific account, but the bank is refusing to apply a provisional credit. \n\nThis bank is deliberately trying to get around the terms of Regulation E, which they are legally required to follow. They need to be held accountable by their regulators and apply the provisional credit to my account immediately. Further, I have supplied all required documentation ( dated credit slip from merchant proving credit was due ), so the bank should have no problem resolving the dispute in my favor promptly.","date_sent_to_company":"2023-04-10T22:02:25.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"85257","tags":null,"has_narrative":true,"complaint_id":"6818746","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Credit Karma, LLC","date_received":"2023-04-10T22:00:12.000Z","state":"AZ","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["The time periods in paragraphs ( c ) ( 1 ) and ( c ) ( 2 ) of this <em>section</em> are extended as follows : ( i ) The applicable time is 20 business days in place of 10 business days under paragraphs ( c ) ( 1 ) and ( 2 ) of this <em>section</em> if the notice of <em>error</em> involves an <em>electronic</em> fund transfer to or from the account within 30 days after the first deposit to the account was made."]},"sort":[12.39052,"6818746"]},{"_index":"complaint-public-v1","_id":"9834848","_score":12.278199,"_source":{"product":"Credit card","complaint_what_happened":"Hello, this is XXXX XXXX, My card has been restricted. Activate my cards or give me new credit cards and make both my accounts an open-ended consumer credit plan. \n\n12CFR 1026.13 15 USC 1666 16 CFR 1026.13 D 1-3 Please show Documentary evidence for why you have shut down both of my credit card accounts : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX  ) Asking for Documentary evidence puts my accounts automatically in the DO NOT PAY DO NOT COLLECT STATUS. \n\nSection 15 USC 1666 a. \nCan not report late payment. Can not close the account until there is a resolution for the billing error.if you do not then you are violating my rights.\n\n15 USC 1666 b. Timing of Payments An Open-ended credit plan consists of more than 4 installment payments. I should have an open-ended consumer credit plan. \n\nAnytime my accounts have a balance of an excess of {$1.00}. It should be immediately transferred to my bank account. \nThe top part of the statement is the bond, and the bottom part is my dividend check which is supposed to be deposited into my bank account according to the Electronic Funds Transfer Act. Please transfer all of my funds since the day I started my Capital One account. \n\nRouting number : XXXX Account number : XXXX A creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as a late payment for any purpose.\n\nCommitting Mail Fraud under 31 USC 3123 Every Statement is supposed to say : You are not obligated to contract this is for solicitation.\n\nCapital one is Trading my SECURITIES ON THE SECONDARY MARKET!!!! \naccording to Capital One 's prospectus, they are not supposed to trade my securities on the secondary market. This is a violation of the Security Exchange Commission ( SEC ). \n\nThank You XXXX XXXX XXXX Rights Reserved","date_sent_to_company":"2024-08-17T06:50:51.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"11427","tags":null,"has_narrative":true,"complaint_id":"9834848","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-08-17T06:32:38.000Z","state":"NY","company_public_response":null,"sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["<em>Section</em> 15 USC 1666 a. \nCan not report late payment. Can not close the account until there is a resolution for the billing <em>error</em>.if you do not then you are <em>violating</em> my rights.\n\n15 USC 1666 b. Timing of Payments An Open-ended credit plan consists of more than 4 installment payments. I should have an open-ended consumer credit plan. \n\nAnytime my accounts have a balance of an excess of {$1.00}. It should be immediately transferred to my bank account."]},"sort":[12.278199,"9834848"]},{"_index":"complaint-public-v1","_id":"10909490","_score":12.246189,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/XXXX, a transaction for {$63.00} was posted to my Chime account for services I did not receive from a can service. I promptly reported this unauthorized or disputed transaction to Chime. Despite this, no provisional credit has been applied to my account, as required under Regulation XXXX ( XXXX XXXX Transfer Act ). This failure has caused me financial hardship and dishonor. \n\n1. Regulation E ( 12 CFR 1005.11 - Procedures for Resolving Errors ) Financial institutions must investigate reported errors, provide provisional credit to the account within 10 business days, and conclude the investigation within 45 days. \n\nChimes failure to issue a provisional credit violates this regulation, especially as no safeguards or accurate verification of the dispute were undertaken. \n\n2. Electronic Fund Transfer Act ( EFTA, 15 U.S.C. 1693 et seq. ) This law protects consumers against unauthorized transactions. Financial institutions are required to respond promptly to disputes and safeguard account holders ' funds during investigations.\n\n3. Unfair or Deceptive Acts or Practices ( UDAP, Section 5 of the FTC Act ) Chimes failure to safeguard your account, resolve the dispute, or adhere to required protections may constitute an unfair or deceptive act.\n\n4. Consumer Financial Protection Act of 2010 ( 12 U.S.C. 5531 ) Prohibits financial service providers from engaging in acts or practices that are abusive, deceptive, or unfair. Chimes handling of this dispute may fall under these provisions.\n\n5. Duty of Care in Financial Institutions Financial institutions are obligated to act in good faith and ensure their processes are fair, transparent, and diligent when dealing with disputes. Chimes actions ( or lack thereof ) breach this duty.","date_sent_to_company":"2024-11-24T00:01:55.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"10027","tags":null,"has_narrative":true,"complaint_id":"10909490","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2024-11-23T23:43:50.000Z","state":"NY","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["<em>Electronic</em> Fund Transfer Act ( EFTA, 15 U.S.C. 1693 et seq. ) This law protects consumers against unauthorized transactions. Financial institutions are required to respond promptly to disputes and safeguard account holders ' <em>funds</em> during investigations.\n\n3. Unfair or Deceptive Acts or Practices ( UDAP, <em>Section</em> 5 of the FTC Act ) Chimes failure to safeguard your account, resolve the dispute, or adhere to required protections may constitute an unfair or deceptive act.\n\n4."]},"sort":[12.246189,"10909490"]},{"_index":"complaint-public-v1","_id":"12088853","_score":12.236212,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX delivered me a new truck and Ally bank was the alleged lender. \n\nXX/XX/XXXX, business manager XXXX XXXX created a brand new promissory note and forged my name 4 times and used my business EIN for credit. \n\nXX/XX/XXXX XXXX XXXX calls and asks to sign a brand new loan as Ally refused to accept the negotiable instrument as indorsed. \n\nXX/XX/XXXX i opted to go into dealership and discuss and indorse the new loan document. \n\nMy original payment date was due on XXXX XXXX so, when i got my documents from ally stating a payment date of XX/XX/XXXX i was concerned and asked about the difference, i have recorded my call with Ally at this time and asked when my loan was created. the man on the phone stated it was created on XX/XX/XXXX. \n\ni never authorized my signature, indorsement or other pertinent information on that date. i was not even at the dealership. \n\nAlly responded to my prior CFPB complaint : XXXX and XXXX by claiming that i signed this loan and was held liable for the payments. they refused to fix the credit reporting and refused to provide the information i have requested by law they provide me. \n\nI contacted state attorney general of Michigan and filed a complaint about the fraud and forgery. XX/XX/XXXX i received a direct call from the investigator for the attorney general. in this call i was informed the state investigated the allegation and found the dealership did in fact commit fraud and forgery of this loan. The state attorney general has filed a fraud charge against XXXX XXXX XXXX for the fraud and the state will be pursuing a combination of civil fines and possibly criminal charges as a result of this intended fraud. \n\nNow since the state attorney general has proven the forgery and fraud, I will be contacting the FBI to pursue RICO violations between Ally Bank and XXXX XXXX of XXXX. \n\nAlly bank purchased the promissory note from XXXX XXXX. Ally performed an Account creation and credit my new account with the value of the promissory note. Ally thus created a liability on its balance sheet meaning that Ally owes that amount to me. The XXXX XXXX refers to funds that are credited to the account based on the processing of the promissory note or related transactions. The bank processed the note through the clearing system, potentially resulting in a higher amount credited to my account. Legally, this could result from how the bank structured the transaction, leveraging the note 's value for greater credit creation. \n\nSince the bank credited my account, I become the account holder in due course for the deposited funds. This means I am entitled to the funds credited to my account, and the bank is obligated to honor that amount under the agreement created by the promissory note purchase and subsequent crediting. so, the original note amount was {$91000.00} multiplied by 900 % is about {$820000.00} that would have been created. \n\nThe legal foundation for this comes from UCC Article 3 ( Negotiable Instruments ) and Article 4 ( Bank Deposits and Collections ), which govern how promissory notes are transferred, how funds are credited, and how banks handle accounts in clearing processes. \nThis explanation is based on the law and not speculation. The banks actions would need to align with these laws in terms of its obligations toward me as the account holder and its role in processing and purchasing the note.\n\nRelevant Laws Protecting Your Rights 1. 12 U.S.C. 1821 ( a ) Deposit Insurance : This section outlines the FDIC 's authority to insure all deposits held at FDIC-insured banks up to the insurance limit ( typically {$250000.00} per depositor, per bank ). This protection extends to your deposit in case of malfeasance, mismanagement, or improper withholding of funds.\n\n2. 12 U.S.C. 1819 FDIC Authority : This section gives the FDIC broad authority to regulate banks and investigate complaints where the bank has failed to operate properly, including blocking access to customer funds.\n\n3. 12 U.S.C. 1831t Consumer Protections : This statute provides protection for depositors and consumers in relation to unfair or deceptive banking practices. Blocking access to funds in your account could be seen as an unfair practice under this provision.\n\n4. UCC Article 4 ( Bank Deposits and Collections ) : Under UCC Article 4, a bank is required to honor the deposit agreements made with its customers, and it can not arbitrarily block access to funds that belong to the account holder. If the bank refuses to provide access without proper cause, this can be considered a violation of fiduciary duty or breach of the deposit agreement.\n\n5. Trustee or Custodian Role : If the bank is acting as a trustee or custodian, it still must act according to fiduciary standards. This means the bank is responsible for handling your funds in good faith and with care, and denying access to the funds without a legal reason is a breach of this duty. \n\n1. XXXX XXXX XXXX XXXX and Consumer Protection Act ( 2010 ) Legal Framework : The Dodd-Frank Act established the CFPB to enforce consumer financial protection laws. It allows individuals to file complaints about unfair, deceptive, or abusive acts or practices ( UDAAP ) by financial institutions, including banks.\n\nKey Sections : o 12 U.S.C. 5481 et seq. provides the statutory authority for the CFPBs power to investigate and regulate banks ' practices related to consumer financial products.\n\no 12 U.S.C. 5531 ( UDAAP ) prohibits unfair, deceptive, or abusive acts or practices in connection with consumer financial products or services. Denying access to your account could potentially fall under unfair practices.\n\nYour Right : You are entitled to file a complaint with the CFPB if you believe the bank is engaging in practices that violate consumer protection laws, including blocking access to your account without legal justification.\n\n2. Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693 et seq.\n\nLegal Framework : The EFTA governs electronic fund transfers and protections for consumers in banking relationships, including unauthorized or improper withholding of funds.\n\nKey Section : o 15 U.S.C. 1693f covers the rights of consumers to dispute errors related to electronic transfers, which can include improper restrictions on access to your account.\n\nYour Right : If your access to the account is blocked in a way that prevents electronic fund transfers, the EFTA gives you grounds to file a complaint through the CFPB.\n\n3. Truth in Savings Act ( TISA ) 12 U.S.C. 4301 et seq.\n\nLegal Framework : The Truth in Savings Act ensures that banks provide clear disclosures regarding the terms and conditions of deposit accounts, including how and when funds are accessible.\n\nKey Section : o 12 U.S.C. 4303 mandates that consumers must have clear access to their funds according to the terms provided by the bank.\n\nYour Right : If the bank is not honoring its disclosure of account access rights, you can file a complaint with the CFPB under this act.\n\n4. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.\n\nLegal Framework : The FCRA governs how financial information is reported and can be relevant if the blocked account impacts your credit or if the bank is not properly handling your credit-related rights.\n\nYour Right : If the bank 's actions have affected your credit report ( for example, due to missed payments or penalties related to blocked access ), you can file a complaint with the CFPB under the FCRA.","date_sent_to_company":"2025-02-21T21:30:30.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"488XX","tags":null,"has_narrative":true,"complaint_id":"12088853","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2025-02-14T12:15:52.000Z","state":"MI","company_public_response":null,"sub_issue":"Loan opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["Key <em>Section</em> : o 15 U.S.C. 1693f covers the rights of consumers to dispute <em>errors</em> related to <em>electronic</em> transfers, which can include improper restrictions on access to your account.\n\nYour Right : If your access to the account is blocked in a way that prevents <em>electronic</em> fund transfers, the EFTA gives you grounds to file a complaint through the CFPB.\n\n3. Truth in Savings Act ( TISA ) 12 U.S.C. 4301 et seq."]},"sort":[12.236212,"12088853"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":232,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":232}]}},"product":{"doc_count":232,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":90,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":88},{"key":"Other personal consumer report","doc_count":2}]}},{"key":"Checking or savings account","doc_count":31,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":30},{"key":"Savings account","doc_count":1}]}},{"key":"Debt 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