{"took":116,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":3219,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"17426976","_score":15.631874,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I sent a MoneyGram transfer as a direct deposit to an overseas bank account, and MoneyGram shows the transaction as Complete on my end. However, the recipient never received any deposit in their bank account. Despite proof that the funds were not delivered, MoneyGram refuses to refund the money or provide a proper resolution. \nDetails of the Problem : The transfer was sent on XX/XX/year>. \nReference Number : XXXX Service type : Direct deposit into an international bank account. \nMoneyGrams system shows the status as Completed. \nThe recipients bank confirms that no funds were received, and there is no record of any incoming deposit ( posted, pending, or rejected ). \nThe recipient verified this multiple times with their bank. \nSince the deposit never reached the receiving bank, the transaction was not completed, and I am entitled to a refund. \nMoneyGram has refused to issue the refund and has not provided a valid explanation for the failed transfer.\n\nAttempts to Resolve : I contacted MoneyGram customer service by phone and email. \nI provided documentation from the recipients bank confirming that no deposit was ever received. \nMoneyGram agents insisted the transfer was complete and declined to refund the money. \nAttempts to escalate the issue within their customer service system were unsuccessful. \nWhat I Am Requesting : I request the CFPBs help to require MoneyGram to : XXXX. Conduct a proper investigation into the failed direct deposit, XXXX. Refund the full amount back to my original payment method, XXXX. Provide a written explanation for marking the transfer as complete when the funds never reached the recipient. \nImpact on Me : MoneyGram charged me for a service that was never provided. Their refusal to refund the funds has caused financial loss, stress, and inconvenience. I am currently unable to recover my own money. \nSupporting Documents : I can provide : MoneyGram transaction receipt Screenshot showing the transaction as Complete Bank confirmation from the recipient showing no funds received. \nRecords of communication with MoneyGram refusing to assist after reach them up on XX/XX/year> and then XX/XX/year>. \nRecords of second transaction via XXXX XXXX to complete the transaction","date_sent_to_company":"2025-11-21T15:13:54.000Z","issue":"Money was not available when promised","sub_product":"International money transfer","zip_code":"32065","tags":"Servicemember","has_narrative":true,"complaint_id":"17426976","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC","date_received":"2025-11-21T15:01:35.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["MoneyGrams system shows the status as <em>Completed</em>. \nThe recipients bank confirms that no funds were received, and there is no record of any incoming deposit ( posted, pending, or rejected ). \nThe recipient verified this multiple times with their bank. \nSince the deposit never reached the receiving bank, the <em>transaction</em> was not <em>completed</em>, and I am entitled to a refund. \nMoneyGram has refused to issue the refund and has not <em>provided</em> a valid explanation for the <em>failed</em> transfer."]},"sort":[15.631874,"17426976"]},{"_index":"complaint-public-v1","_id":"14874410","_score":15.587895,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, I attempted to complete a {$500.00} transaction with XXXX using my MoneyLion RoarMoney debit card. The transaction failed and was not captured by the merchant, but the funds were placed in a pending status as an authorization hold. \n\nDespite this being a failed transaction, MoneyLion has refused to release the funds, claiming it will remain on hold until XX/XX/year>. I contacted the merchant, and they confirmed they did not complete or settle the transaction. \n\nAccording to XXXX XXXX XXXX and XXXX XXXX XXXX, issuing banks must release authorization holds within 7 days if a clearing transaction is not submitted. Also, under Regulation E ( 12 CFR 1005.11 ) and CFPB guidance, banks must not withhold consumer funds longer than reasonably necessary. \n\nMoneyLion has failed to comply with these consumer protection rules and is holding funds unlawfully after a failed transaction. The banks delay is interfering with my access to essential funds, causing XXXX XXXX XXXX XXXX XXXXThis was the only money I had and was for my upcoming rent. As well as XXXX XXXX XXXX XXXX I have contacted MoneyLion support, but they have refused to escalate or release the funds early despite being provided with evidence from the merchant.","date_sent_to_company":"2025-07-25T21:38:57.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"63136","tags":null,"has_narrative":true,"complaint_id":"14874410","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MoneyLion Inc.","date_received":"2025-07-25T20:53:30.000Z","state":"MO","company_public_response":"Company believes the complaint provided an opportunity to answer consumer's questions","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I attempted to <em>complete</em> a {$500.00} <em>transaction</em> with XXXX using my MoneyLion RoarMoney debit card. The <em>transaction</em> <em>failed</em> and was not captured by the merchant, but the funds were placed in a pending status as an authorization hold. \n\nDespite this being a <em>failed</em> <em>transaction</em>, MoneyLion has refused to release the funds, claiming it will remain on hold until XX/XX/year>. I contacted the merchant, and they confirmed they did not <em>complete</em> or settle the <em>transaction</em>."],"company_public_response":["Company believes the complaint <em>provided</em> an opportunity to answer consumer's questions"]},"sort":[15.587895,"14874410"]},{"_index":"complaint-public-v1","_id":"21576677","_score":15.273312,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing a complaint regarding two accounts being reported and collected by Midland Credit Management.\n\nI submitted written requests for validation of both accounts. In response, Midland Credit Management provided incomplete and insufficient documentation.\n\nFor Account ending in XXXX ( original creditor : XXXX XXXX XXXX  ), the company provided only limited information and failed to supply a complete transaction history or itemized accounting of the balance. \n\nFor Account ending in XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXX XXXX ), the company again failed to provide a complete accounting of the balance. The documentation provided did not include a full transaction history, nor did it explain how the balance was calculated.\n\nIn both cases, the company did not provide : - A complete transaction history from account opening through charge-off - An itemized breakdown showing how the balance was calculated - A signed agreement or contract bearing my signature - Sufficient documentation establishing the accuracy of the balances Despite this lack of documentation, both accounts continue to be reported to the credit bureaus as verified.\n\nI also disputed these accounts with the credit bureaus, and they were marked as verified without evidence of a reasonable investigation.\n\nUnder the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ), only accurate and verifiable information may be reported.","date_sent_to_company":"2026-04-24T19:00:33.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"43110","tags":"Servicemember","has_narrative":true,"complaint_id":"21576677","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2026-04-24T18:45:12.000Z","state":"OH","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["In response, Midland Credit Management <em>provided</em> incomplete and insufficient documentation.\n\nFor Account ending in XXXX ( original creditor : XXXX XXXX XXXX  ), the company <em>provided</em> only limited information and <em>failed</em> to supply a <em>complete</em> <em>transaction</em> history or itemized accounting of the balance. \n\nFor Account ending in XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXX XXXX ), the company again <em>failed</em> to provide a <em>complete</em> accounting of the balance."]},"sort":[15.273312,"21576677"]},{"_index":"complaint-public-v1","_id":"18315865","_score":15.230508,"_source":{"product":"Credit card","complaint_what_happened":"I am disputing a credit card charge of {$1800.00} from XXXX XXXX XXXX XXXX XXXX XXXX ) that was improperly handled by Bank of America. \n\nOn XX/XX/year>, I attempted to purchase an inflight upgrade while traveling with XXXX. During the transaction, the merchant experienced a system issue and informed me that the purchase could not be completed. I was clearly advised that the transaction was voided, and I was provided a receipt confirming the voided transaction. No goods or services were received. \n\nDespite this, the charge later posted to my credit card account on XX/XX/year>. I immediately contacted Bank of America and opened a billing dispute on XX/XX/year>. I submitted clear documentation showing that the transaction was voided and that no service was provided. \n\nBank of America closed my dispute in the merchants favor, relying on misleading and incomplete documentation submitted by the merchant. The merchants evidence only reflects an initial authorization and does not prove that a completed transaction or service occurred. The merchants own records show the transaction was voided. \n\nBank of America failed to conduct a reasonable investigation and ignored the evidence I submitted. This violates the Truth in Lending Act and Regulation Z, which require creditors to properly investigate billing errors and correct charges when goods or services are not provided as agreed.\n\nAs a result of Bank of Americas failure, I have been unfairly charged {$1800.00} for a transaction that never occurred.","date_sent_to_company":"2025-12-27T10:48:57.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"085XX","tags":null,"has_narrative":true,"complaint_id":"18315865","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-12-27T10:42:04.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["During the <em>transaction</em>, the merchant experienced a system issue and informed me that the purchase could not be <em>completed</em>. I was clearly advised that the <em>transaction</em> was voided, and I was <em>provided</em> a receipt confirming the voided <em>transaction</em>. No goods or services were received. \n\nDespite this, the charge later posted to my credit card account on XX/XX/year>. I immediately contacted Bank of America and opened a billing dispute on XX/XX/year>."]},"sort":[15.230508,"18315865"]},{"_index":"complaint-public-v1","_id":"8785624","_score":15.015306,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/23 at XXXX an ATM withdraw was attempted. \nAt this time with eye witnesses no money or transaction receipt was dispensed At the time of the failed transaction, a call was immediately executed to report the problem to my banking institute. \n\nMy account was frozen at this time pending further investigation My banking institute posted the funds completed on XX/XX/23 from the Merchant XXXX XXXX XXXX as completed transaction. \n\nA week later, my banking institute Wells Fargo provided me a provisional credit was given. \n\nUpon completion of my case, the banking institute denied my claim and reclaimed their provisionary money back without sufficient evidence to sustain the vendors transaction. \n\nWe called our bank Wells Fargo to obtain written proof of their findings. \n\nUpon review of their findings, they provided computer a transaction report that was faulty as there was no money or ticket that came out from the Machine. We offered eye witness evidence, but the bank failed to take their reports. The reports obtained were not sufficient to have denied the loss of our funds. \n\nWe again pursued to keep filing more grievances and they have gone denied. \n\nWe are in search of again reopening and re investigating the case. \n\nWe pointed out, that in accordance with our immediate calls at the time of the incident along with eye witnesses the machine may have printed out a false receipt to the vendor allowing them to fraudulently report their findings. \nThe receipt from the investigation department did not provide video evidence of a video of a completed transaction. \nWithout video verification and using a faulty machine, how can the vendor conclude their findings without their depository receipts. \n\nIf the machine worked properly, my banking institutions flags would not have gone unnoticed. My daily limit would have been reached. Again, this faulty or fraudulent machine from the vendor which must be investigated. \n\ni will need to continue to pursue losses and file additional grievances in pursuit of loss and distress why would Banking Intuition Wells Fargo not ask for proof of video verification and the their daily receipts from the ATM Machine. \n\nNote : with the location of the atm machine, there was clear video on site. why was this not taken into consideration nor provided by the vendor. \n\nWells Fargo failed to fully investigate on our behalf and failed to provide in a timely manner the full spectrum of their investigation department. if they would have done so, video evidence would have been received immediately within the area of security where the machines were located","date_sent_to_company":"2024-04-17T01:26:58.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"92337","tags":null,"has_narrative":true,"complaint_id":"8785624","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-04-17T00:09:35.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["At this time with eye witnesses no money or <em>transaction</em> receipt was dispensed At the time of the <em>failed</em> <em>transaction</em>, a call was immediately executed to report the problem to my banking institute. \n\nMy account was frozen at this time pending further investigation My banking institute posted the funds <em>completed</em> on XX/XX/23 from the Merchant XXXX XXXX XXXX as <em>completed</em> <em>transaction</em>. \n\nA week later, my banking institute Wells Fargo <em>provided</em> me a provisional credit was given."]},"sort":[15.015306,"8785624"]},{"_index":"complaint-public-v1","_id":"21250320","_score":14.91708,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Formal Complaint Loss of Trust in Remitly and Failure to Provide Verifiable Proof of Delivery I am filing this complaint due to serious concerns regarding a Remitly transaction and my complete loss of trust in the companys handling of this matter. \n\nRemitly claims that my transaction was completed and has provided documentation to my banks ( XXXX and XXXX XXXX ). However, after reviewing all materials, I have determined that these documents are not reliable and do not constitute valid proof that the funds were actually delivered. \n\nAll documents provided appear to be self-generated by Remitly and originate solely from their internal system. Despite being submitted through XXXX different banks, the information is identical in nature and lacks independent verification. \n\nCritically, there is no confirmation from the receiving bank, XXXX XXXXXXXX XXXX ( XXXX ), which is the only institution capable of verifying whether the funds were actually credited to the recipients account. Without confirmation from XXXX, the transaction can not be considered completed. \n\nAdditionally, the documents contain incomplete and inconsistent information, including missing exchange rate details and non-standard language. These issues raise serious concerns about the reliability and authenticity of the materials provided. \n\nFurthermore, I have reason to believe that the recipient involved in this transaction may be associated with fraudulent activity. Due to this, I can not rely on the recipient to confirm whether the funds were received. This makes independent verification from the receiving bank absolutely necessary. \n\nGiven all of the above, I no longer trust Remitlys statements or documentation. The company has failed to provide clear, verifiable, and independent proof that the transaction was successfully completed. \n\nRequested Resolution : - Official confirmation from XXXX XXXXXXXX XXXX ( XXXX ) that the funds were deposited, including verifiable transaction details OR - A full refund of the transaction amount if such proof can not be provided I respectfully request that CFPB investigate this matter and require Remitly to provide legitimate, independently verifiable proof or issue a refund. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2026-04-15T02:42:06.000Z","issue":"Other transaction problem","sub_product":"International money transfer","zip_code":"22150","tags":null,"has_narrative":true,"complaint_id":"21250320","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Remitly, Inc.","date_received":"2026-04-15T02:35:59.000Z","state":"VA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The company has <em>failed</em> to provide clear, verifiable, and independent proof that the <em>transaction</em> was successfully <em>completed</em>."],"issue":["Other <em>transaction</em> problem"]},"sort":[14.91708,"21250320"]},{"_index":"complaint-public-v1","_id":"11456479","_score":14.831614,"_source":{"product":"Prepaid card","complaint_what_happened":"I attempted to transfer funds to my bank account from my Money Network card, which is the new card provider for XXXX. The transfer option is available on their platform, but despite multiple attempts, I was unable to complete the transfer. \n\nI tried the transfer four times over a span of three days, using the following methods : Desktop platform Mobile app Automated phone system Each attempt was denied. Afterward, I contacted customer service and spoke with several representatives. During these calls, I was unable to get any clear explanation as to why the transfer failed, and no representative offered any assistance in completing the transaction. Instead, I was only provided with alternative options, such as using an ATM or requesting a cash advance. \n\nThe most recent interaction with a representative took place today, and the issue remains unresolved. \n\nThe system allows a bank transfer, but it fails every time I attempt it. \nCustomer service reps were unable to provide a reason for the failed transfers or assist me in completing the transaction. \nI am seeking clarification on why this issue is occurring and how it can be resolved promptly.","date_sent_to_company":"2025-01-09T16:39:29.000Z","issue":"Problem with a purchase or transfer","sub_product":"Government benefit card","zip_code":"90037","tags":"Servicemember","has_narrative":true,"complaint_id":"11456479","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FISERV FINXACT CORE","date_received":"2025-01-09T16:06:47.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["During these calls, I was unable to get any clear explanation as to why the transfer <em>failed</em>, and no representative offered any assistance in <em>completing</em> the <em>transaction</em>. Instead, I was only <em>provided</em> with alternative options, such as using an ATM or requesting a cash advance. \n\nThe most recent interaction with a representative took place today, and the issue remains unresolved. \n\nThe system allows a bank transfer, but it <em>fails</em> every time I attempt it."]},"sort":[14.831614,"11456479"]},{"_index":"complaint-public-v1","_id":"17277177","_score":14.758035,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/year>, a transaction appeared on my XXXX account for a purchase on XXXX. Shortly afterward, XXXX notified me that the transaction had been declined on their end. Despite this, XXXX placed the transaction into an active payment plan in my account. \n\nXXXX listed the order as Payment Revision Needed and confirmed that they could not process the order because the payment method failed. The merchant has not charged me and can not fulfill or cancel the order due to the failed payment. \n\nI contacted XXXX multiple times for clarity. I received conflicting and unclear information about why a declined transaction was still assigned a payment schedule. XXXX has not corrected the issue and has not removed the payment plan related to the declined transaction. \n\nAs a result, I am being shown an active repayment obligation for a transaction that was not completed, not processed by the merchant, and not supported by valid payment. XXXX has not resolved this error or provided a clear explanation for why this obligation remains on my account.","date_sent_to_company":"2025-11-15T07:59:16.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"75070","tags":null,"has_narrative":true,"complaint_id":"17277177","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-11-15T07:27:47.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["On XX/XX/year>, a <em>transaction</em> appeared on my XXXX account for a purchase on XXXX. Shortly afterward, XXXX notified me that the <em>transaction</em> had been declined on their end. Despite this, XXXX placed the <em>transaction</em> into an active payment plan in my account. \n\nXXXX listed the order as Payment Revision Needed and confirmed that they could not process the order because the payment method <em>failed</em>. The merchant has not charged me and can not fulfill or cancel the order due to the <em>failed</em> payment."],"issue":["Unauthorized transactions or other <em>transaction</em> problem"]},"sort":[14.758035,"17277177"]},{"_index":"complaint-public-v1","_id":"13201757","_score":14.612701,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a complaint against Current Bank regarding an unauthorized/voided transaction. I provided proof that the merchant voided the transaction, including a copy of the voided receipt. Despite this, Current has refused to release the funds or correct the error. They claim the transaction was completed even though the merchant confirmed it was never finalized. I have fully complied with their dispute process, but Current has failed to properly investigate or return my money, violating Regulation E. I am requesting the immediate return of my funds and a formal correction of my account. My phone number is XXXX ( XXXX ) XXXX","date_sent_to_company":"2025-04-27T22:51:46.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"658XX","tags":null,"has_narrative":true,"complaint_id":"13201757","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FinCo Services Inc DBA Current","date_received":"2025-04-27T22:42:04.000Z","state":"MO","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I am filing a complaint against Current Bank regarding an unauthorized/voided <em>transaction</em>. I <em>provided</em> proof that the merchant voided the <em>transaction</em>, including a copy of the voided receipt. Despite this, Current has refused to release the funds or correct the error. They claim the <em>transaction</em> was <em>completed</em> even though the merchant confirmed it was never finalized."],"sub_issue":["<em>Transaction</em> was not authorized"]},"sort":[14.612701,"13201757"]},{"_index":"complaint-public-v1","_id":"18821822","_score":14.488511,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"On XXXX XXXX XXXX, I attempted a purchase at XXXX ( XXXX, XXXX  ) using Zip. The first transaction for {$94.00} was declined at the merchant, and the merchant did not complete the sale. I was instructed by Zip support to attempt the purchase again and was told the declined transaction would fall off. \n\nA second transaction was then completed and successfully processed for {$95.00}, which Zip has confirmed was captured under order number XXXX. \n\nDespite the first transaction being declined at the register, Zip placed and retained an authorization hold for {$94.00}. Zip support later acknowledged that this pending charge exists only inside the Zip app and does not appear in their processing system, confirming that the merchant never received these funds. \n\nI contacted Zip multiple times to request release of the authorization hold for the declined {$94.00} transaction. Zip representatives provided inconsistent explanations, initially stating that both charges were processed by the merchant, then later confirming only the {$95.00} charge was captured. \n\nAs of now, Zip has failed to release the authorization hold for the declined {$94.00} transaction, effectively withholding funds for a purchase that was never completed. I am requesting that Zip immediately release the authorization and return the {$94.00}, and provide a clear explanation for why funds were held for a declined transaction.","date_sent_to_company":"2026-01-19T05:11:57.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Installment loan","zip_code":"70403","tags":null,"has_narrative":true,"complaint_id":"18821822","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Zip Co US Inc.","date_received":"2026-01-19T04:51:49.000Z","state":"LA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I contacted Zip multiple times to request release of the authorization hold for the declined {$94.00} <em>transaction</em>. Zip representatives <em>provided</em> inconsistent explanations, initially stating that both charges were processed by the merchant, then later confirming only the {$95.00} charge was captured. \n\nAs of now, Zip has <em>failed</em> to release the authorization hold for the declined {$94.00} <em>transaction</em>, effectively withholding funds for a purchase that was never <em>completed</em>."]},"sort":[14.488511,"18821822"]},{"_index":"complaint-public-v1","_id":"21183013","_score":14.410917,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XXXX XXXX, 2026, I initiated a {$950.00} rent payment using the rent payment feature provided by Bilt Rewards. The payment was made via XXXX using the account and routing number provided by Bilt and submitted through XXXX XXXX. \n\nThe payment was later flagged by XXXX as a self-payment and was not processed on their platform. However, despite the transaction not being completed, the {$950.00} was still debited from my account. \n\nI contacted Bilt Rewards multiple times to investigate the issue. Bilt initially confirmed that the payment had been processed on XXXX XXXX 2026, but stated that they had not received any reversal from their payments partner. At that time, Bilt did not initiate an ACH trace and instead directed me back to XXXX. \n\nAfter further escalation, Bilt eventually provided an ACH trace number ( XXXX ) and confirmed that the funds were sent to XXXX  XXXX  XXXX, which is associated with XXXX payment processing system. \n\nDespite this, the funds have not been returned to my account, and Bilt did not take timely action to trace, recover, or resolve the missing funds. As the originating financial institution, Bilt is responsible for initiating an ACH trace and assisting in the recovery of funds when a transaction fails or is not completed. \n\nAt this time : The {$950.00} has been withdrawn from my account The payment was not completed The funds have not been returned Resolution has been delayed for over 40 days I am seeking a full investigation into this transaction and the prompt return of my {$950.00}.","date_sent_to_company":"2026-04-13T11:59:56.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"834XX","tags":null,"has_narrative":true,"complaint_id":"21183013","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bilt Technologies, Inc.","date_received":"2026-04-13T11:48:21.000Z","state":"ID","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["As the originating financial institution, Bilt is responsible for initiating an ACH trace and assisting in the recovery of funds when a <em>transaction</em> <em>fails</em> or is not <em>completed</em>. \n\nAt this time : The {$950.00} has been withdrawn from my account The payment was not <em>completed</em> The funds have not been returned Resolution has been delayed for over 40 days I am seeking a full investigation into this <em>transaction</em> and the prompt return of my {$950.00}."],"issue":["Other <em>transaction</em> problem"]},"sort":[14.410917,"21183013"]},{"_index":"complaint-public-v1","_id":"19945978","_score":14.380485,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/year> I received a Zelle payment in the amount of {$15.00} from a customer for an order that was completed and ready for pickup. The payment was sent voluntarily by the customer as payment for goods/services provided. \n\nThe customer later failed to pick up the order within the agreed timeframe. On XX/XX/year>. I was notified that the customer reported the transaction as unauthorized/fraud. This claim is inaccurate, as the payment was willingly sent for a legitimate purchase. \n\nAs a result of this report, my Zelle account was restricted/banned on XX/XX/year> which has significantly impacted my ability to conduct business and accept payments. \n\nI have documentation showing that the order was completed, communication confirming the transaction, and proof that the payment was authorized. I am requesting that this matter be thoroughly reviewed and that my account access be restored, as the fraud claim was false.","date_sent_to_company":"2026-03-03T22:44:46.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"95307","tags":null,"has_narrative":true,"complaint_id":"19945978","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2026-03-03T22:31:11.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["On XX/XX/year> I received a Zelle payment in the amount of {$15.00} from a customer for an order that was <em>completed</em> and ready for pickup. The payment was sent voluntarily by the customer as payment for goods/services <em>provided</em>. \n\nThe customer later <em>failed</em> to pick up the order within the agreed timeframe. On XX/XX/year>. I was notified that the customer reported the <em>transaction</em> as unauthorized/fraud. This claim is inaccurate, as the payment was willingly sent for a legitimate purchase."],"issue":["Other <em>transaction</em> problem"]},"sort":[14.380485,"19945978"]},{"_index":"complaint-public-v1","_id":"21677596","_score":14.368909,"_source":{"product":"Debt collection","complaint_what_happened":"I completed a settlement payment of {$8000.00} with GoodLeap regarding a XXXX XXXX ( ending with XXXX ) associated with a property in XXXX XXXX, Texas. The settlement was completed on XX/XX/2026, and payment was delivered. However, Goodleap has failed to release the XXXX XXXX or provide a termination statement. \n\nThe title company has funded the transaction is currently holding {$44000.00}. pending the lien release. The delay from Goodleap is preventing final disbursement and completion of the transaction.\n\nDespite multiple follow-ups by both myself and title company, GoodLeap has not provided any update or resolution. Additionally, GoodLeap stated they no longer service the account but refused to provide any further information or taken responsibility of issuing the lien release. As the secured party of record, Goodleap remains responsible for releasing the lien after settlement. Their failure to do so is causing financial harm to me and delaying the transaction completion.","date_sent_to_company":"2026-04-28T18:57:49.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"75067","tags":null,"has_narrative":true,"complaint_id":"21677596","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paramount GR Holdings, LLC","date_received":"2026-04-28T18:25:53.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["I <em>completed</em> a settlement payment of {$8000.00} with GoodLeap regarding a XXXX XXXX ( ending with XXXX ) associated with a property in XXXX XXXX, Texas. The settlement was <em>completed</em> on XX/XX/2026, and payment was delivered. However, Goodleap has <em>failed</em> to release the XXXX XXXX or provide a termination statement. \n\nThe title company has funded the <em>transaction</em> is currently holding {$44000.00}. pending the lien release."]},"sort":[14.368909,"21677596"]},{"_index":"complaint-public-v1","_id":"7703673","_score":14.231157,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Transunion, XXXX, and XXXX is securitizing the consumer account listed as XXXX XXXX XXXX that is why each reporting agency has failed to provide me with the necessary opt out each month. I have asked for an accounting history of this account. If no such documentation exist this information must be deleted. Please take note I am not requesting a consumer report. \n\nTransUnion XXXX file number XXXX XXXX XXXX XXXX XXXX Number XXXX XXXX Reasonable opportunity to opt out. \n( a ) In general. You must not use eligibility information that you receive from an affiliate to make marketing solicitations to a consumer about your products or services unless the consumer is provided a reasonable opportunity to opt out, as required by 248.121 ( a ) ( 1 ) ( ii ).\n\n( b ) Examples of a reasonable opportunity to opt out. The consumer is given a reasonable opportunity to opt out if : ( 1 ) By mail. The opt out notice is mailed to the consumer. The consumer is given 30 days from the date the notice is mailed to elect to opt out by any reasonable means.\n\n( 2 ) By electronic means.\n\n( i ) The opt out notice is provided electronically to the consumer, such as by posting the notice at an Internet Web site at which the consumer has obtained a product or service. The consumer acknowledges receipt of the electronic notice. The consumer is given 30 days after the date the consumer acknowledges receipt to elect to opt out by any reasonable means. \n\n( ii ) The opt out notice is provided to the consumer by e-mail where the consumer has agreed to receive disclosures by e-mail from the person sending the notice. The consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable means. \n\n( 3 ) At the time of an electronic transaction. The opt out notice is provided to the consumer at the time of an electronic transaction, such as a transaction conducted on an Internet Web site. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. There is a simple process that the consumer may use to opt out at that time using the same mechanism through which the transaction is conducted.\n\n( 4 ) At the time of an in-person transaction. The opt out notice is provided to the consumer in writing at the time of an in-person transaction. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction, and is not permitted to complete the transaction without making a choice. There is a simple process that the consumer may use during the course of the in-person transaction to opt out, such as completing a form that requires consumers to write a yes or no to indicate their opt out preference or that requires the consumer to check one of two blank check boxesone that allows consumers to indicate that they want to opt out and one that allows consumers to indicate that they do not want to opt out.\n\n( 5 ) By including in a privacy notice. The opt out notice is included in a GLBA privacy notice. The consumer is allowed to exercise the opt out within a reasonable period of time and in the same manner as the opt out under that privacy notice.","date_sent_to_company":"2023-10-17T02:18:25.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"94513","tags":null,"has_narrative":true,"complaint_id":"7703673","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-10-17T02:04:03.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The consumer is required to decide, as a necessary part of proceeding with the <em>transaction</em>, whether to opt out before <em>completing</em> the <em>transaction</em>, and is not permitted to <em>complete</em> the <em>transaction</em> without making a choice."]},"sort":[14.231157,"7703673"]},{"_index":"complaint-public-v1","_id":"7703651","_score":14.231157,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX, XXXX, and Equifax is securitizing the consumer account listed as XXXX XXXX XXXX that is why each reporting agency has failed to provide me with the necessary opt out each month. I have asked for an accounting history of this account. If no such documentation exist this information must be deleted. Please take note I am not requesting a consumer report. \n\nXXXX Commission file number XXXX EQUIFAX INC. Commission File Number XXXX XXXX Reasonable opportunity to opt out. \n( a ) In general. You must not use eligibility information that you receive from an affiliate to make marketing solicitations to a consumer about your products or services unless the consumer is provided a reasonable opportunity to opt out, as required by 248.121 ( a ) ( 1 ) ( ii ). \n\n( b ) Examples of a reasonable opportunity to opt out. The consumer is given a reasonable opportunity to opt out if : ( 1 ) By mail. The opt out notice is mailed to the consumer. The consumer is given XXXX  days from the date the notice is mailed to elect to opt out by any reasonable means.\n\n( 2 ) By electronic means.\n\n( i ) The opt out notice is provided electronically to the consumer, such as by posting the notice at an Internet Web site at which the consumer has obtained a product or service. The consumer acknowledges receipt of the electronic notice. The consumer is given XXXX  days after the date the consumer acknowledges receipt to elect to opt out by any reasonable means. \n\n( ii ) The opt out notice is provided to the consumer by e-mail where the consumer has agreed to receive disclosures by e-mail from the person sending the notice. The consumer is given XXXX  days after the e-mail is sent to elect to opt out by any reasonable means. \n\n( 3 ) At the time of an electronic transaction. The opt out notice is provided to the consumer at the time of an electronic transaction, such as a transaction conducted on an Internet Web site. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. There is a simple process that the consumer may use to opt out at that time using the same mechanism through which the transaction is conducted.\n\n( 4 ) At the time of an in-person transaction. The opt out notice is provided to the consumer in writing at the time of an in-person transaction. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction, and is not permitted to complete the transaction without making a choice. There is a simple process that the consumer may use during the course of the in-person transaction to opt out, such as completing a form that requires consumers to write a yes or no to indicate their opt out preference or that requires the consumer to check XXXX of XXXX blank check boxesone that allows consumers to indicate that they want to opt out and XXXX that allows consumers to indicate that they do not want to opt out. \n\n( XXXX ) By including in a privacy notice. The opt out notice is included in a GLBA privacy notice. The consumer is allowed to exercise the opt out within a reasonable period of time and in the same manner as the opt out under that privacy notice.","date_sent_to_company":"2023-10-17T02:18:33.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"94513","tags":null,"has_narrative":true,"complaint_id":"7703651","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-10-17T02:18:30.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The consumer is required to decide, as a necessary part of proceeding with the <em>transaction</em>, whether to opt out before <em>completing</em> the <em>transaction</em>, and is not permitted to <em>complete</em> the <em>transaction</em> without making a choice."]},"sort":[14.231157,"7703651"]},{"_index":"complaint-public-v1","_id":"7703650","_score":14.220585,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX, Experian, and XXXX is securitizing the consumer account listed as XXXX XXXX XXXX that is why each reporting agency has failed to provide me with the necessary opt out each month. I have asked for an accounting history of this account. If no such documentation exist this information must be deleted. Please take note I am not requesting a consumer report. \n\nXXXX Commission file number XXXX XXXX XXXX Commission File Number XXXX XXXX Reasonable opportunity to opt out. \n( a ) In general. You must not use eligibility information that you receive from an affiliate to make marketing solicitations to a consumer about your products or services unless the consumer is provided a reasonable opportunity to opt out, as required by 248.121 ( a ) ( 1 ) ( ii ). \n\n( b ) Examples of a reasonable opportunity to opt out. The consumer is given a reasonable opportunity to opt out if : ( 1 ) By mail. The opt out notice is mailed to the consumer. The consumer is given XXXX  days from the date the notice is mailed to elect to opt out by any reasonable means.\n\n( 2 ) By electronic means.\n\n( i ) The opt out notice is provided electronically to the consumer, such as by posting the notice at an Internet Web site at which the consumer has obtained a product or service. The consumer acknowledges receipt of the electronic notice. The consumer is given XXXX  days after the date the consumer acknowledges receipt to elect to opt out by any reasonable means.\n\n( ii ) The opt out notice is provided to the consumer by e-mail where the consumer has agreed to receive disclosures by e-mail from the person sending the notice. The consumer is given XXXX  days after the e-mail is sent to elect to opt out by any reasonable means.\n\n( 3 ) At the time of an electronic transaction. The opt out notice is provided to the consumer at the time of an electronic transaction, such as a transaction conducted on an Internet Web site. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. There is a simple process that the consumer may use to opt out at that time using the same mechanism through which the transaction is conducted.\n\n( 4 ) At the time of an in-person transaction. The opt out notice is provided to the consumer in writing at the time of an in-person transaction. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction, and is not permitted to complete the transaction without making a choice. There is a simple process that the consumer may use during the course of the in-person transaction to opt out, such as completing a form that requires consumers to write a yes or no to indicate their opt out preference or that requires the consumer to check XXXX of XXXX blank check boxesXXXX that allows consumers to indicate that they want to opt out and XXXX that allows consumers to indicate that they do not want to opt out. \n\n( 5 ) By including in a privacy notice. The opt out notice is included in a GLBA privacy notice. The consumer is allowed to exercise the opt out within a reasonable period of time and in the same manner as the opt out under that privacy notice.","date_sent_to_company":"2023-10-17T02:18:33.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"94513","tags":null,"has_narrative":true,"complaint_id":"7703650","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-10-17T02:18:30.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The consumer is required to decide, as a necessary part of proceeding with the <em>transaction</em>, whether to opt out before <em>completing</em> the <em>transaction</em>, and is not permitted to <em>complete</em> the <em>transaction</em> without making a choice."]},"sort":[14.220585,"7703650"]},{"_index":"complaint-public-v1","_id":"21582842","_score":14.195262,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/2026, I initiated a wire transfer in the amount of {$16000.00} at my bank branch. At the time of the transaction, I provided complete and accurate wire instructions. These instructions clearly identified XXXX XXXX  as the final beneficiary, with XXXX XXXX intended solely as an intermediary bank for routing purposes. The wire was being sent to my own account at XXXX XXXX  for the purpose of paying off an existing loan.\n\nDespite providing full and correct instructions, the wire was processed incorrectly by the banks teller. Specifically, the required beneficiary information for XXXX XXXX  was not properly included in the transmitted wire. As a direct result of this error, the funds were not credited to the intended XXXX account and are currently unaccounted for, with indications that they are held at or within XXXX XXXX. \n\nI did not request or rely on the bank to determine or locate wiring instructions. I personally supplied all necessary and correct details. During the transaction, I was instructed only to verify specific numbers presented to me on the screen. I confirmed that only those numbers matched my written instructions exactly. I was not asked to verify the completeness of the wire, nor was I shown the full set of transmitted details. The process did not provide visibility into whether certain information was manually entered, automatically populated, or omitted, and it is not the customers responsibility to identify missing internal fields that were never presented for review. \n\nThe bank has provided no documentation or proof demonstrating that the wire was processed in accordance with the instructions I provided. They have failed to show that the full beneficiary details for XXXX XXXX  were included in the outgoing wire. Any omission or deviation occurred during the banks internal processing and is solely attributable to the bank. \n\nAs a result of this error : The {$16000.00} has not reached my account at XXXX XXXX  The funds have been missing for over 18 days I have incurred ongoing interest charges on the loan the wire was intended to pay off I have experienced significant financial disruption and hardship While the bank has stated that it is attempting to recover the funds, it has failed to provide a clear timeline for resolution and has not clarified what will occur if the funds can not be recovered. I remain in a position of financial uncertainty due entirely to the banks error.\n\nThis situation reflects a clear failure in the banks handling and execution of a consumer financial transaction and raises serious concerns under UDAAP standards. I relied on the bank to execute the transaction as instructed, and it failed to do so.\n\nSee attached for the exact document that I provided to the teller at the time of the transaction.","date_sent_to_company":"2026-04-24T21:16:12.000Z","issue":"Other transaction problem","sub_product":"International money transfer","zip_code":"85257","tags":null,"has_narrative":true,"complaint_id":"21582842","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2026-04-24T21:01:15.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["This situation reflects a clear failure in the banks handling and execution of a consumer financial <em>transaction</em> and raises serious concerns under UDAAP standards. I relied on the bank to execute the <em>transaction</em> as instructed, and it <em>failed</em> to do so.\n\nSee attached for the exact document that I <em>provided</em> to the teller at the time of the <em>transaction</em>."],"issue":["Other <em>transaction</em> problem"]},"sort":[14.195262,"21582842"]},{"_index":"complaint-public-v1","_id":"9449397","_score":14.160096,"_source":{"product":"Checking or savings account","complaint_what_happened":"Facts : On XX/XX/year>, Consumer disputed a transaction in the amount of {$290.00} due to non-delivery of goods, following the merchant 's dispute instructions. \n\nSoFi Bank failed to provide a provisional credit as outlined in Section F, pages 36 and 37 of the SoFi Bank Deposit Agreement, and did not complete an investigation within the 90-day timeframe stipulated in the agreement. \n\nOn XX/XX/year>, SoFi Bank placed a hold on {$41.00} for a transaction with XXXX XXXX Fuel. Despite confirmation of release from XXXX XXXX XXXX, SoFi Bank refused to release the funds within the allotted 7-day window and provided misleading information regarding the merchant 's actions. \n\nCauses of Action : Breach of Contract : SoFi Bank failed to adhere to the terms of the SoFi Bank Deposit Agreement by not providing a provisional credit and completing an investigation within the specified timeframe.\n\nDamages : Consumer suffered financial harm due to the withheld funds, totaling {$330.00}.","date_sent_to_company":"2024-07-08T13:35:34.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"95336","tags":null,"has_narrative":true,"complaint_id":"9449397","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SOFI TECHNOLOGIES, INC.","date_received":"2024-07-08T13:32:43.000Z","state":"CA","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["Facts : On XX/XX/year>, Consumer disputed a <em>transaction</em> in the amount of {$290.00} due to non-delivery of goods, following the merchant 's dispute instructions. \n\nSoFi Bank <em>failed</em> to provide a provisional credit as outlined in Section F, pages 36 and 37 of the SoFi Bank Deposit Agreement, and did not <em>complete</em> an investigation within the 90-day timeframe stipulated in the agreement. \n\nOn XX/XX/year>, SoFi Bank placed a hold on {$41.00} for a <em>transaction</em> with XXXX XXXX Fuel."]},"sort":[14.160096,"9449397"]},{"_index":"complaint-public-v1","_id":"12084286","_score":14.111623,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I, a resident of XXXXXXXX XXXX, successfully transferred {$870.00} US Dollars ( equivalent to XXXX XXXX ) to my account on the Robinhood exchange ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX ). \n\nThe transaction was completed successfully, with all confirmations available from the originating exchange and the XXXX XXXX The transaction details can be verified online at the following links : Transaction Hash : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, Robinhood never credited the amount to my account. The company initially provided a 48-hour timeframe for resolution, which has now passed without any resolution. The funds are missing. \n\nI have made multiple contacts with Robinhood 's customer support, and their official representatives have acknowledged that the transfer was correctly executed. I have also provided all transaction details via email multiple times. \n\nGiven that Robinhood has acknowledged the missing funds and has failed to return them, this constitutes a case of theft to the police.","date_sent_to_company":"2025-02-21T22:13:17.000Z","issue":"Money was not available when promised","sub_product":"Virtual currency","zip_code":"32809","tags":null,"has_narrative":true,"complaint_id":"12084286","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ROBINHOOD MARKETS INC.","date_received":"2025-02-14T17:31:41.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I have also <em>provided</em> all <em>transaction</em> details via email multiple times. \n\nGiven that Robinhood has acknowledged the missing funds and has <em>failed</em> to return them, this constitutes a case of theft to the police."]},"sort":[14.111623,"12084286"]},{"_index":"complaint-public-v1","_id":"5558616","_score":13.984314,"_source":{"product":"Mortgage","complaint_what_happened":"On XX/XX/XXXX Quicken Loans, aka, Rocket Mortgage, my mortgage servicer sent me a threatening letter attempting to intimidate me from bringing a claim to resolve a fraud matter. On XX/XX/XXXX, I unknowingly signed a promissory note for an incomplete, non-code-compliant and nonconforming new construction home. The property was unihabitable with defective smoke detectors, ungrounded electrical wiring, etc. The fact that the home failed XXXX final inspections was concealed. Despite the state municipal law section XXXX required a certificate of occupancy ( XXXX  ) be obtained BEFORE the escrow transaction, the XXXX consummated the mortgage without one. The XXXX also stated on record that a XXXX  is required before closing on new construction. I was unaware during the escrow transaction that Quicken Loans violated their own lending requirement and state law. Quicken Loans advertises to the public via the internet that a XXXX is required before or at closing for new construction. Their licensed bankers have admitted on transcript that a XXXX is required before closing. State government records shows that the home failed XXXX final inspections before the closing. To make matters worse, the closing disclosure ( XXXX  ) was not provided XXXX days before closing. The final, completed appraisal was not provided before or at the closing either. In XXXX, the XXXX falsely claimed that the XXXX was provided on XX/XX/XXXX and the appraisal was completed on XX/XX/XXXX. Recordings, emails and origination records prove that the XXXX is lying and can not substantiate the false claim. In XXXX, when my state investigated the XXXX, on record, Quicken Loans obstructed justice and refused to provide requested evidence. The XXXX refused to provide the recording from the XX/XX/XXXX loan application call attended by my XXXX XXXX XXXX. The XXXX refused to provide their closing instructions given to the escrow agent, proof of delivery of the XXXX  and proof of delivery of the appraisal. Origination loan estimates contradict interest rate disclosures. The appraised value of the escrow transaction relied on the home being complete, conforming and code compliant.","date_sent_to_company":"2022-05-13T21:15:12.000Z","issue":"Closing on a mortgage","sub_product":"Conventional home mortgage","zip_code":"75078","tags":null,"has_narrative":true,"complaint_id":"5558616","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rocket Mortgage, LLC","date_received":"2022-05-13T21:09:30.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["State government records shows that the home <em>failed</em> XXXX final inspections before the closing. To make matters worse, the closing disclosure ( XXXX  ) was not <em>provided</em> XXXX days before closing. The final, <em>completed</em> appraisal was not <em>provided</em> before or at the closing either. In XXXX, the XXXX falsely claimed that the XXXX was <em>provided</em> on XX/XX/XXXX and the appraisal was <em>completed</em> on XX/XX/XXXX."]},"sort":[13.984314,"5558616"]},{"_index":"complaint-public-v1","_id":"22296445","_score":13.976473,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX, a transaction with XXXX completely failed due to the merchant 's own systemic errors. My bank is now threatening to allow XXXX to charge/take {$460.00} from my account on XX/XX/XXXX based on this failed transaction. \n\nThe merchant made fulfillment entirely impossible by issuing contradictory instructions leading up to the event : XX/XX/XXXX : The merchant explicitly emailed me stating this was a physical wristband sale and that they were waiting on the buyer 's shipping address. \n\nXX/XX/XXXX : I acted completely in good faith and proactively messaged the buyer directly to coordinate getting the wristband to them, but the buyer never responded. \n\nXX/XX/XXXX ( XXXX  of the event ) : The merchant completely changed the terms of the transaction. They suddenly flipped it to a digital transfer and gave me an impossible 1-hour deadline to complete it, causing the transaction to fail. \n\nBecause of the merchant 's bait-and-switch instructions on XX/XX/XXXX, the transaction could not be completed. I never attended the event, I was blocked from transferring the ticket by the merchant 's system, and I received absolutely XXXX value or payout. \n\nI submitted explicit email and screenshot evidence of this timeline to my bank to dispute the upcoming XX/XX/XXXX charge. However, a bank dispute supervisor refused to review the evidence properly and gaslit me, claiming \" a service was provided '' simply because a ticket existed, entirely ignoring that the merchant 's own sudden rule change on XX/XX/XXXX made compliance physically impossible. The bank is failing to properly investigate documented merchant error and is refusing to protect my funds. I am seeking a full, permanent block/reversal of the {$460.00} charge scheduled for XX/XX/XXXX.","date_sent_to_company":"2026-05-18T06:30:58.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"32808","tags":null,"has_narrative":true,"complaint_id":"22296445","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-05-18T06:09:55.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Money was taken from your account on the wrong day or for the wrong amount"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, a <em>transaction</em> with XXXX completely <em>failed</em> due to the merchant 's own systemic errors. My bank is now threatening to allow XXXX to charge/take {$460.00} from my account on XX/XX/XXXX based on this <em>failed</em> <em>transaction</em>."]},"sort":[13.976473,"22296445"]},{"_index":"complaint-public-v1","_id":"21194107","_score":13.932423,"_source":{"product":"Checking or savings account","complaint_what_happened":"I contacted Wells Fargo multiple times I spoke to a representative ( XXXX XXXX ) I spoke to a supervisor They failed to provide help or properly investigate I am a business owner submitting information regarding a debit card fraud claim filed by a Wells Fargo cardholder that directly impacts my business. \nA customer used their Wells Fargo debit card ( processed through XXXX ) to make a payment to my business. This transaction was fully authorized by the cardholder. I have documentation confirming that the individual knowingly made this payment to satisfy a debt owed to me. \nAfter the transaction was completed and services were rendered, the cardholder filed a fraud claim with Wells Fargo, falsely stating that the transaction was unauthorized. \nAs a result of this claim : My business has been financially impacted My account and/or processing ability has been disrupted I have been unable to properly submit evidence to dispute the claim I have made multiple attempts to contact Wells Fargo to provide documentation proving that the transaction was authorized. I have spoken with a representative identified as XXXX XXXX, who failed to document critical details of my case and did not conduct a proper investigation. A supervisor also confirmed that key facts I provided were not included in the case notes. \nI am not requesting access to the cardholders private account information. I am requesting that Wells Fargo : Accept and review my evidence as the merchant involved in the transaction Properly investigate the claim with all relevant facts Reevaluate the fraud determination based on the documentation provided This is a case of false fraud reporting ( also known as chargeback fraud ), and I am attempting to resolve this matter prior to pursuing legal action. \nI am requesting that Wells Fargo provide a way for me to submit my documentation to the appropriate dispute or fraud department and ensure that a proper and complete investigation is conducted. \n\nDesired resolution I want Wells Fargo to review my evidence, properly investigate the claim, and provide a way for me to submit documentation related to this transaction.","date_sent_to_company":"2026-04-13T18:24:10.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"21194107","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-04-13T17:24:48.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I have spoken with a representative identified as XXXX XXXX, who <em>failed</em> to document critical details of my case and did not conduct a proper investigation. A supervisor also confirmed that key facts I <em>provided</em> were not included in the case notes. \nI am not requesting access to the cardholders private account information."]},"sort":[13.932423,"21194107"]},{"_index":"complaint-public-v1","_id":"20377129","_score":13.918167,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a complaint regarding a missing refund of {$250.00} that was issued to my account through a merchant transaction. \nThe merchant, XXXX, confirmed that the refund was successfully processed on XX/XX/year>. They also provided a reference number confirming that the refund was sent to my account through Chime. However, the funds have not been credited to my account. \nI have contacted Chime more than three times regarding this issue. During those contacts, I provided all requested information, including screenshots of the original transaction and proof of the refund from the merchant. Despite this, I was repeatedly told that Chime could not locate the transaction and was ultimately told to handle the issue myself with the merchant.\n\nI have verified with the merchant that the refund was completed, sent to the correct account, and supported by a reference number confirming the transaction. Despite this, Chime has failed to properly trace or investigate the transaction.\n\nActions I have taken include contacting both the merchant and Chime support multiple times, providing confirmation of the refund, screenshots, and the reference number, and requesting that Chime locate the funds.\n\nChimes actions have been limited to stating they can not find the transaction, failing to conduct a meaningful investigation, and directing me away without resolution.\n\nI am requesting that Chime locate and credit the missing {$250.00} immediately, or provide a detailed trace of the transaction using the provided reference number and explain where the funds were sent.","date_sent_to_company":"2026-03-18T16:57:06.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"71730","tags":null,"has_narrative":true,"complaint_id":"20377129","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2026-03-18T16:37:49.000Z","state":"AR","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["During those contacts, I <em>provided</em> all requested information, including screenshots of the original <em>transaction</em> and proof of the refund from the merchant. Despite this, I was repeatedly told that Chime could not locate the <em>transaction</em> and was ultimately told to handle the issue myself with the merchant.\n\nI have verified with the merchant that the refund was <em>completed</em>, sent to the correct account, and supported by a reference number confirming the <em>transaction</em>."]},"sort":[13.918167,"20377129"]},{"_index":"complaint-public-v1","_id":"21616724","_score":13.8966255,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Company : Toyota Financial Services Issue : Failure to provide required loan transfer documentation / Incomplete disclosures/ Document delivery failure Complaint : I am filing a formal complaint against Toyota Financial Services for repeated failures to provide required documentation necessary to complete a vehicle lease transfer ( loan assumption ), as well as deficiencies in document handling and delivery practices. \n\nIn XXXX, I requested a lease transfer packet. Through United States Postal Service Informed Delivery, I observed that correspondence from Toyota Financial Services was scheduled for delivery to my residence ; however, the mail was never received, indicating a likely loss or theft involving sensitive financial documents. \n\nOn XX/XX/XXXX, I notified Toyota Financial Services of the missing packet and explicitly raised concerns regarding compromised mail and potential exposure of personal information. I requested that the documents be reissued via a secure electronic method to mitigate further risk and avoid delay. This request was denied without justification, and I was instructed to wait 710 business days for another mailed packet.\n\nAfter this timeframe elapsed with no delivery, I contacted Toyota Financial Services again on XX/XX/XXXX. At that time, I was informed that a replacement packet would be overnighted. This representation has proven to be inaccurate. \n\nOn XX/XX/XXXX, I received a delayed packet that appears to be the original XX/XX/XXXX mailing. The packet was materially incomplete and failed to include the required buyer credit application referenced in the instructions. As a result, the documentation provided was unusable and insufficient to complete the transaction. \n\nAs of XX/XX/XXXX, I have not received the replacement packet that was purportedly sent via overnight delivery.\n\nToyota Financial Services has therefore : Failed to provide complete and required documentation necessary to execute a financial transaction Failed to ensure secure and reliable delivery of sensitive financial documents after being notified of a compromised mailing Provided inaccurate or misleading information regarding document delivery timelines Caused unnecessary and substantial delay ( exceeding 30 days ) in the completion of a time-sensitive financial transaction These failures have directly prevented the completion of a lawful financial transaction and raise serious concerns regarding compliance with consumer protection standards, document control, and safeguarding of consumer information.","date_sent_to_company":"2026-04-27T03:39:06.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Lease","zip_code":"90601","tags":null,"has_narrative":true,"complaint_id":"21616724","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TOYOTA MOTOR CREDIT CORPORATION","date_received":"2026-04-27T03:24:32.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem while selling or giving up the vehicle"},"highlight":{"complaint_what_happened":["Toyota Financial Services has therefore : <em>Failed</em> to provide <em>complete</em> and required documentation necessary to execute a financial <em>transaction</em> <em>Failed</em> to ensure secure and reliable delivery of sensitive financial documents after being notified of a compromised mailing <em>Provided</em> inaccurate or misleading information regarding document delivery timelines Caused unnecessary and substantial delay ( exceeding 30 days ) in the completion of a time-sensitive financial <em>transaction</em> These failures have directly"]},"sort":[13.8966255,"21616724"]},{"_index":"complaint-public-v1","_id":"22291113","_score":13.867997,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Subject : Request for Proof of Final Receipt of XXXX Funds U.S. Bank Failed to Provide Documentation I am submitting a follow-up complaint regarding an unresolved XXXX transaction through U.S. Bank . \n\nOn XX/XX/year>, I sent {$600.00} via XXXX from my U.S. Bank account ending in XXXX to the intended recipient. The funds were withdrawn from my account immediately, and the transaction was marked as completed.\n\nHowever, the recipient has stated that they never received the funds. The recipient also contacted their financial institution and was informed that no XXXX deposit was received into their account.\n\nI previously filed a dispute with U.S. Bank and later submitted a complaint through the Consumer Financial Protection Bureau. U.S. Bank denied the claim, stating only that the transaction was processed according to the payment instructions provided.\n\nDespite repeated requests, U.S. Bank has failed to provide critical documentation proving where the funds were ultimately deposited. Specifically, the bank has not provided : * Proof of final receipt of funds * Receiving bank information * XXXX trace details * Confirmation of the account that accepted or received the funds * Settlement or posting documentation showing successful delivery to the recipient The banks response only confirms that the payment was initiated from my account, not that the intended recipient actually received the funds.\n\nI am requesting that CFPB require U.S. Bank to provide complete transaction trace and settlement documentation showing exactly where the funds were deposited and whether they were successfully claimed by the recipient.\n\nI am also requesting clarification regarding : * Whether the funds were returned, rejected, or deposited elsewhere * Which institution accepted the transfer * Whether the recipient identity and enrollment were properly verified I believe the investigation remains incomplete because the bank has not provided evidence of final receipt of funds despite denying my claim.\n\nThank you for your assistance and review of this matter.","date_sent_to_company":"2026-05-17T18:54:31.000Z","issue":"Confusing or missing disclosures","sub_product":"Mobile or digital wallet","zip_code":"92677","tags":null,"has_narrative":true,"complaint_id":"22291113","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2026-05-17T18:43:09.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Bank denied the claim, stating only that the <em>transaction</em> was processed according to the payment instructions <em>provided</em>.\n\nDespite repeated requests, U.S. Bank has <em>failed</em> to provide critical documentation proving where the funds were ultimately 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