{"took":697,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":403,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"16390674","_score":19.881342,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am writing to formally dispute a refund that was supposed to be issued through XXXX but has not been credited back to my account. Although I was informed that the refund was processed, the funds have not been received and there is no indication of any pending or completed refund on my account. \n\nI have attempted to resolve this matter directly with the other party, but the situation remains unresolved. This has caused significant inconvenience, and I am requesting a thorough investigation into the status of the refund. \n\nIf the funds were misdirected or failed to reach my account, I respectfully ask that XXXX and/or my financial institution take the appropriate steps to recover the money or issue a credit. \n\nThank you for your prompt attention to this matter. I am prepared to provide any additional information needed to support this claim and assist in resolving it as quickly as possible.","date_sent_to_company":"2025-10-06T16:49:54.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"07305","tags":null,"has_narrative":true,"complaint_id":"16390674","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-10-06T16:40:01.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I have attempted to <em>resolve</em> this <em>matter</em> directly with the other party, but the situation remains unresolved. This has caused significant inconvenience, and I am requesting a thorough investigation into the status of the refund. \n\nIf the funds were misdirected or <em>failed</em> to reach my account, I respectfully ask that XXXX and/or my financial institution take the <em>appropriate</em> steps to recover the money or issue a credit. \n\nThank you for your prompt attention to this <em>matter</em>."]},"sort":[19.881342,"16390674"]},{"_index":"complaint-public-v1","_id":"11588046","_score":19.646414,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to formally dispute the accuracy of the following information on my credit report. In light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian on XX/XX/year>, I am compelled to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Specifically, I disputed the following entries on my credit report XXXX XXXX Account {$15.00} {$270.00} also I HAVE NO EMPLOYER Pursuant to 15 U.S.C. 1681i, I have the right to request a description of the procedures used during your investigation of these disputed items. Your failure to provide this information constitutes a violation of the FCRA. Additionally, I insist that you conduct a thorough investigation as required by federal law. It is your duty not to simply accept the findings of furnishers who fail to provide adequate or thorough results of their investigations. Please provide me with the results of your investigation in writing, as well as a detailed explanation of the methods and procedures used in reviewing the disputed information. If you can not verify the accuracy of these inquiries or entries, I request that you delete them from my credit file within the timeline mandated by federal law. If you fail to resolve this matter appropriately, If you fail to resolve this matter appropriately, I am prepared to SUE! Thank you for your prompt attention to this matter. I look forward to your written response and resolution within the time frame outlined in the FCRA.","date_sent_to_company":"2025-01-20T17:28:35.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30318","tags":null,"has_narrative":true,"complaint_id":"11588046","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-20T17:23:12.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["If you <em>fail</em> to <em>resolve</em> this <em>matter</em> <em>appropriately</em>, If you <em>fail</em> to <em>resolve</em> this <em>matter</em> <em>appropriately</em>, I am <em>prepared</em> to SUE! Thank you for your prompt attention to this <em>matter</em>. I look forward to your written response and resolution within the time frame outlined in the FCRA."]},"sort":[19.646414,"11588046"]},{"_index":"complaint-public-v1","_id":"11529612","_score":18.579922,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to formally dispute the accuracy of the following information on my credit report. In light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX on XX/XX/year>, I am compelled to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. \n\nSpecifically, I dispute the following entries on my credit report : XXXX. XXXX XXXX Inquiries XXXX. XXXX XXXX, XXXX XXXX, CONSUMER XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Account {$300.00} MY ONLY ADDRESS IS XXXX XXXX XXXX AND I HAVE NO EMPLOYER Pursuant to 15 U.S.C. 1681i, I have the right to request a description of the procedures used during your investigation of these disputed items. Your failure to provide this information constitutes a violation of the FCRA. \n\nAdditionally, I insist that you conduct a thorough investigation as required by federal law. It is your duty not to simply accept the findings of furnishers who fail to provide adequate or thorough results of their investigations. \n\nPlease provide me with the results of your investigation in writing, as well as a detailed explanation of the methods and procedures used in reviewing the disputed information. If you can not verify the accuracy of these inquiries or entries, I request that you delete them from my credit file within the timeline mandated by federal law. \n\nIf you fail to resolve this matter appropriately, If you fail to resolve this matter appropriately, I am prepared to SUE! \n\n\nThank you for your prompt attention to this matter. I look forward to your written response and resolution within the time frame outlined in the FCRA.","date_sent_to_company":"2025-01-14T15:53:49.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30318","tags":null,"has_narrative":true,"complaint_id":"11529612","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-14T15:42:14.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["If you <em>fail</em> to <em>resolve</em> this <em>matter</em> <em>appropriately</em>, If you <em>fail</em> to <em>resolve</em> this <em>matter</em> <em>appropriately</em>, I am <em>prepared</em> to SUE! \n\n\nThank you for your prompt attention to this <em>matter</em>. I look forward to your written response and resolution within the time frame outlined in the FCRA."]},"sort":[18.579922,"11529612"]},{"_index":"complaint-public-v1","_id":"12209679","_score":18.23091,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have been sending letters to XXXX XXXX XXXX for almost a year now and have not received a response from them. Despite previous attempts to resolve this matter, the erroneous information persists on my credit report. It is essential to note that under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), you are obligated to maintain documentation verifying the accuracy of reported information, that you have failed to provide. Additionally, you have neglected to adhere to the verification process outlined in Section 611 ( a ) ( 7 ), which requires the prompt deletion of unverifiable information. \n\nI am fully prepared to pursue legal action to enforce my rights and seek appropriate remedies for your willful and negligent noncompliance","date_sent_to_company":"2025-02-25T19:42:33.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90302","tags":null,"has_narrative":true,"complaint_id":"12209679","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-25T19:42:04.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I am fully <em>prepared</em> to pursue legal action to enforce my rights and seek <em>appropriate</em> remedies for your willful and negligent noncompliance"]},"sort":[18.23091,"12209679"]},{"_index":"complaint-public-v1","_id":"12210175","_score":18.196056,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have been sending letters to US DEPT ED for almost a year now and have not received a response from them. Despite previous attempts to resolve this matter, the erroneous information persists on my credit report. It is essential to note that under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), you are obligated to maintain documentation verifying the accuracy of reported information, that you have failed to provide. Additionally, you have neglected to adhere to the verification process outlined in Section 611 ( a ) ( 7 ), which requires the prompt deletion of unverifiable information. \n\nI am fully prepared to pursue legal action to enforce my rights and seek appropriate remedies for your willful and negligent noncompliance","date_sent_to_company":"2025-03-06T14:24:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90302","tags":null,"has_narrative":true,"complaint_id":"12210175","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2025-02-25T18:47:20.000Z","state":"CA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I am fully <em>prepared</em> to pursue legal action to enforce my rights and seek <em>appropriate</em> remedies for your willful and negligent noncompliance"]},"sort":[18.196056,"12210175"]},{"_index":"complaint-public-v1","_id":"11910940","_score":17.921663,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX **Subject : Dispute of Civil Liability Negligence and Non-Compliance with Section 1681o** I am writing to formally dispute an issue related to civil liability negligence and non-compliance with Section 1681o of the Fair Credit Reporting Act ( FCRA ).\n\nUnder Section 1681o of the FCRA, any party that negligently fails to comply with the FCRA requirements is liable to the consumer. It has come to my attention that your organization has failed to meet the obligations set forth by the FCRA, specifically in relation to [ explain what the negligence or non-compliance issue is for example, failure to correct inaccurate information on a credit report, failure to investigate a dispute in a timely manner, etc. ].\n\nTo resolve this matter, I respectfully request that [ state the action you want to be taken for example, removal of inaccurate information, compensation for damages, correction of errors, etc. ]. Failure to address this issue may result in legal action being taken to seek redress for any damages caused by your negligence and non-compliance.\n\nPlease provide me with a formal response within [ specify timeframe, e.g., 30 days ] as required by the FCRA, outlining the steps your organization will take to resolve this dispute. If necessary, I am prepared to escalate this matter by seeking legal counsel or filing a formal complaint with the appropriate authorities.\n\nThank you for your immediate attention to this matter. I look forward to your prompt response. \n\nSincerely, XXXX XXXX XXXX-","date_sent_to_company":"2025-02-03T21:08:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"452XX","tags":null,"has_narrative":true,"complaint_id":"11910940","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-02-03T20:42:50.000Z","state":"OH","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Please provide me with a formal response within [ specify timeframe, e.g., 30 days ] as required by the FCRA, outlining the steps your organization will take to <em>resolve</em> this dispute. If necessary, I am <em>prepared</em> to escalate this <em>matter</em> by seeking legal counsel or filing a formal complaint with the <em>appropriate</em> authorities.\n\nThank you for your immediate attention to this <em>matter</em>. I look forward to your prompt response. \n\nSincerely, XXXX XXXX XXXX-"]},"sort":[17.921663,"11910940"]},{"_index":"complaint-public-v1","_id":"11909946","_score":17.921663,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX **Subject : Dispute of Civil Liability Negligence and Non-Compliance with Section 1681o** I am writing to formally dispute an issue related to civil liability negligence and non-compliance with Section 1681o of the Fair Credit Reporting Act ( FCRA ).\n\nUnder Section 1681o of the FCRA, any party that negligently fails to comply with the FCRA requirements is liable to the consumer. It has come to my attention that your organization has failed to meet the obligations set forth by the FCRA, specifically in relation to [ explain what the negligence or non-compliance issue is for example, failure to correct inaccurate information on a credit report, failure to investigate a dispute in a timely manner, etc. ]. \n\nTo resolve this matter, I respectfully request that [ state the action you want to be taken for example, removal of inaccurate information, compensation for damages, correction of errors, etc. ]. Failure to address this issue may result in legal action being taken to seek redress for any damages caused by your negligence and non-compliance. \n\nPlease provide me with a formal response within [ specify timeframe, e.g., 30 days ] as required by the FCRA, outlining the steps your organization will take to resolve this dispute. If necessary, I am prepared to escalate this matter by seeking legal counsel or filing a formal complaint with the appropriate authorities. \n\nThank you for your immediate attention to this matter. I look forward to your prompt response. \n\nSincerely, XXXX XXXX XXXX-","date_sent_to_company":"2025-02-03T21:08:03.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"452XX","tags":null,"has_narrative":true,"complaint_id":"11909946","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-02-03T21:07:34.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Please provide me with a formal response within [ specify timeframe, e.g., 30 days ] as required by the FCRA, outlining the steps your organization will take to <em>resolve</em> this dispute. If necessary, I am <em>prepared</em> to escalate this <em>matter</em> by seeking legal counsel or filing a formal complaint with the <em>appropriate</em> authorities. \n\nThank you for your immediate attention to this <em>matter</em>. I look forward to your prompt response. \n\nSincerely, XXXX XXXX XXXX-"]},"sort":[17.921663,"11909946"]},{"_index":"complaint-public-v1","_id":"11910939","_score":17.90033,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX **Subject : Dispute of Civil Liability Negligence and Non-Compliance with Section 1681o** I am writing to formally dispute an issue related to civil liability negligence and non-compliance with Section 1681o of the Fair Credit Reporting Act ( FCRA ).\n\nUnder Section 1681o of the FCRA, any party that negligently fails to comply with the FCRA requirements is liable to the consumer. It has come to my attention that your organization has failed to meet the obligations set forth by the FCRA, specifically in relation to [ explain what the negligence or non-compliance issue is for example, failure to correct inaccurate information on a credit report, failure to investigate a dispute in a timely manner, etc. ]. \n\nTo resolve this matter, I respectfully request that [ state the action you want to be taken for example, removal of inaccurate information, compensation for damages, correction of errors, etc. ]. Failure to address this issue may result in legal action being taken to seek redress for any damages caused by your negligence and non-compliance. \n\nPlease provide me with a formal response within [ specify timeframe, e.g., 30 days ] as required by the FCRA, outlining the steps your organization will take to resolve this dispute. If necessary, I am prepared to escalate this matter by seeking legal counsel or filing a formal complaint with the appropriate authorities. \n\nThank you for your immediate attention to this matter. I look forward to your prompt response. \n\nSincerely, XXXX XXXX XXXX-","date_sent_to_company":"2025-02-03T21:08:03.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"452XX","tags":null,"has_narrative":true,"complaint_id":"11910939","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2025-02-03T21:07:34.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Please provide me with a formal response within [ specify timeframe, e.g., 30 days ] as required by the FCRA, outlining the steps your organization will take to <em>resolve</em> this dispute. If necessary, I am <em>prepared</em> to escalate this <em>matter</em> by seeking legal counsel or filing a formal complaint with the <em>appropriate</em> authorities. \n\nThank you for your immediate attention to this <em>matter</em>. I look forward to your prompt response. \n\nSincerely, XXXX XXXX XXXX-"]},"sort":[17.90033,"11910939"]},{"_index":"complaint-public-v1","_id":"7193710","_score":17.448809,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian has failed to correct the erroneous account information, directly violating my consumer rights under the Fair Credit Reporting Act ( FCRA ). \n\nRefrenced accounts - XXXX # XXXX and XXXX XXXX account # XXXX This is my fifth and final attempt to address this issue before pursuing legal action. I want to emphasize the gravity of the situation and the severe consequences that will follow if Experian does not take immediate action to remove the erroneous account from my credit report. \n\nI urge Experian to promptly investigate and rectify this issue, adhering to the regulations outlined by the Consumer Financial Protection Bureau ( CFPB ) and the FCRA. Failure to do so will leave me with no choice but to escalate this matter through legal channels and seek appropriate remedies. \n\nI demand immediate action from Experian to correct the inaccurate information and restore the integrity of my credit report. I expect a timely response to this complaint, acknowledging the receipt of this letter and providing updates on the steps taken to resolve the issue. \n\nPlease be advised that I am prepared to pursue all available legal avenues to protect my rights and seek appropriate compensation for the damages caused by Experian 's negligence.","date_sent_to_company":"2023-06-29T17:58:41.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"34120","tags":null,"has_narrative":true,"complaint_id":"7193710","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-06-29T17:50:51.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Please be advised that I am <em>prepared</em> to pursue all available legal avenues to protect my rights and seek <em>appropriate</em> compensation for the damages caused by Experian 's negligence."]},"sort":[17.448809,"7193710"]},{"_index":"complaint-public-v1","_id":"11909460","_score":17.3532,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"-- - ** [ XXXX XXXX XXXX ] ** [ XXXX ] [ Phone Number ] ** [ XX/XX/year> ] ** Subject : Dispute of Civil Liability Negligence and Non-Compliance with Section 1681 I am writing to formally dispute an issue related to civil liability negligence and non-compliance with Section 1681o of the Fair Credit Reporting Act ( FCRA ).\n\nUnder Section 1681o of the FCRA, any party that negligently fails to comply with the FCRA requirements is liable to the consumer. It has come to my attention that your organization has failed to meet the obligations set forth by the FCRA, specifically in relation to [ explain what the negligence or non-compliance issue is for example, failure to correct inaccurate information on a credit report, failure to investigate a dispute in a timely manner, etc. ]. \n\nTo resolve this matter, I respectfully request that [ state the action you want to be taken for example, removal of inaccurate information, compensation for damages, correction of errors, etc. ]. Failure to address this issue may result in legal action being taken to seek redress for any damages caused by your negligence and non-compliance. \n\nPlease provide me with a formal response within [ specify timeframe, e.g., 30 days ] as required by the FCRA, outlining the steps your organization will take to resolve this dispute. If necessary, I am prepared to escalate this matter by seeking legal counsel or filing a formal complaint with the appropriate authorities. \n\nThank you for your immediate attention to this matter. I look forward to your prompt response. \n\nSincerely, [ XXXX XXXX XXXX ]","date_sent_to_company":"2025-02-03T22:19:04.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"452XX","tags":null,"has_narrative":true,"complaint_id":"11909460","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-02-03T22:18:38.000Z","state":"OH","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Please provide me with a formal response within [ specify timeframe, e.g., 30 days ] as required by the FCRA, outlining the steps your organization will take to <em>resolve</em> this dispute. If necessary, I am <em>prepared</em> to escalate this <em>matter</em> by seeking legal counsel or filing a formal complaint with the <em>appropriate</em> authorities. \n\nThank you for your immediate attention to this <em>matter</em>. I look forward to your prompt response. \n\nSincerely, [ XXXX XXXX XXXX ]"]},"sort":[17.3532,"11909460"]},{"_index":"complaint-public-v1","_id":"11909506","_score":17.34858,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"-- - ** [ XXXX XXXX XXXX ] ** [ XXXX ] [ Phone Number ] ** [ XX/XX/year> ] ** Subject : Dispute of Civil Liability Negligence and Non-Compliance with Section 1681 I am writing to formally dispute an issue related to civil liability negligence and non-compliance with Section 1681o of the Fair Credit Reporting Act ( FCRA ).\n\nUnder Section 1681o of the FCRA, any party that negligently fails to comply with the FCRA requirements is liable to the consumer. It has come to my attention that your organization has failed to meet the obligations set forth by the FCRA, specifically in relation to [ explain what the negligence or non-compliance issue is for example, failure to correct inaccurate information on a credit report, failure to investigate a dispute in a timely manner, etc. ]. \n\nTo resolve this matter, I respectfully request that [ state the action you want to be taken for example, removal of inaccurate information, compensation for damages, correction of errors, etc. ]. Failure to address this issue may result in legal action being taken to seek redress for any damages caused by your negligence and non-compliance. \n\nPlease provide me with a formal response within [ specify timeframe, e.g., XXXX  days ] as required by the FCRA, outlining the steps your organization will take to resolve this dispute. If necessary, I am prepared to escalate this matter by seeking legal counsel or filing a formal complaint with the appropriate authorities. \n\nThank you for your immediate attention to this matter. I look forward to your prompt response. \n\nSincerely, [ XXXX XXXX XXXX ]","date_sent_to_company":"2025-03-25T19:47:30.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"452XX","tags":null,"has_narrative":true,"complaint_id":"11909506","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2025-02-03T22:05:33.000Z","state":"OH","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Please provide me with a formal response within [ specify timeframe, e.g., XXXX  days ] as required by the FCRA, outlining the steps your organization will take to <em>resolve</em> this dispute. If necessary, I am <em>prepared</em> to escalate this <em>matter</em> by seeking legal counsel or filing a formal complaint with the <em>appropriate</em> authorities. \n\nThank you for your immediate attention to this <em>matter</em>. I look forward to your prompt response. \n\nSincerely, [ XXXX XXXX XXXX ]"]},"sort":[17.34858,"11909506"]},{"_index":"complaint-public-v1","_id":"21252884","_score":17.297018,"_source":{"product":"Checking or savings account","complaint_what_happened":"This complaint concerns Chase Banks refusal to open or process a debit card dispute for services not rendered as agreed. \n\nI am filing a complaint against Chase Bank regarding their refusal to properly process a dispute for a {$160.00} debit card transaction. \n\nThe transaction was for a nail salon service that was not performed in a manner consistent with what was agreed upon. The service failed prematurely, with multiple nails falling off within the first 79 days, which is significantly below the expected duration of this type of service. This constitutes defective workmanship and services not rendered as agreed. \n\nI made a good faith effort to resolve the issue directly with the merchant by requesting a refund or credit, but I did not receive any response or resolution. \n\nWhen I contacted Chase Bank to dispute the transaction, they refused to process or open the dispute, stating that because the service was received, it does not qualify. This mischaracterizes the issue. This is not a matter of general dissatisfaction, but a failure to deliver the service as agreed.\n\nI specifically requested that the dispute be considered under services not rendered as agreed or defective service, but Chase declined to proceed and did not offer a reasonable avenue for escalation.\n\nA fair resolution would be for Chase Bank to reopen and properly investigate this dispute under the appropriate category of defective or misrepresented services, and to issue a refund of the {$160.00} transaction if the claim is validated. \n\nAdditionally, I request a clear explanation of why my original dispute was refused, including the specific policy or regulation relied upon, and confirmation that my claim has been reviewed under the appropriate dispute category. \n\nI am prepared to provide supporting documentation, including a timeline, photographs, and proof of my attempt to resolve the issue with the merchant. \n\nThank you for your attention to this matter.","date_sent_to_company":"2026-04-15T04:53:32.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"601XX","tags":null,"has_narrative":true,"complaint_id":"21252884","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-04-15T04:29:28.000Z","state":"IL","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I am <em>prepared</em> to provide supporting documentation, including a timeline, photographs, and proof of my attempt to <em>resolve</em> the issue with the merchant. \n\nThank you for your attention to this <em>matter</em>."]},"sort":[17.297018,"21252884"]},{"_index":"complaint-public-v1","_id":"21066566","_score":17.225832,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing a formal complaint against Ava Finance regarding an unresolved billing issue and failure to respond to multiple contact attempts. \n\nOn XX/XX/year>, I was charged {$11.00} for a transaction that was not successfully completed. Despite the failed transaction, I was required to pay for the service separately out of pocket. \n\nI made multiple attempts to resolve this issue directly with Ava Finance, including : XX/XX/year> Initial contact XX/XX/year> Follow-up attempt XX/XX/year> Follow-up attempt XX/XX/year> Contacted support via app/email/chat To date, I have only received limited responses requesting verification of the merchant. After providing the requested information, no further response or resolution was provided. Ava Finance attempted to claim this was a backdated charge, but I was still forced to pay the merchant myself, confirming that the charge was invalid. \n\nThis failure to address an invalid charge and lack of communication is unacceptable. I am requesting : Immediate removal or refund of the {$11.00} charge Written confirmation once the issue has been resolved If this matter is not resolved promptly, I am prepared to escalate further, including filing disputes with the appropriate regulatory agencies and credit reporting agencies.","date_sent_to_company":"2026-04-08T20:50:03.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"11206","tags":null,"has_narrative":true,"complaint_id":"21066566","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ava Finance, Inc","date_received":"2026-04-08T19:35:15.000Z","state":"NY","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["I am requesting : Immediate removal or refund of the {$11.00} charge Written confirmation once the issue has been <em>resolved</em> If this <em>matter</em> is not <em>resolved</em> promptly, I am <em>prepared</em> to escalate further, including filing disputes with the <em>appropriate</em> regulatory agencies and credit reporting agencies."]},"sort":[17.225832,"21066566"]},{"_index":"complaint-public-v1","_id":"21108622","_score":16.572506,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint regarding a collection account being reported by Firstsource Advantage related to a XXXX account. \nI dispute the accuracy and validity of this debt. The balance being reported is inconsistent and does not match the amounts associated with the original account. Additionally, I have not been provided with proper validation of this debt, including a full breakdown of charges, proof of authorization, or a complete payment history. \nUnder the Fair Credit Reporting Act ( FCRA 611 ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to accurate reporting and full validation of any alleged debt. At this time, Firstsource has failed to provide sufficient documentation to support the validity and accuracy of this account. \nBecause of these discrepancies and lack of validation, I am requesting the following : Immediate investigation into the accuracy of this account.\n\nFull validation of the alleged debt. Removal of this account from all credit reporting agencies if it can not be properly verified This inaccurate reporting is negatively impacting my credit and financial stability. If this matter is not resolved appropriately, I am prepared to pursue further action.","date_sent_to_company":"2026-04-09T21:55:49.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"22554","tags":"Servicemember","has_narrative":true,"complaint_id":"21108622","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Firstsource Business Process Services, LLC","date_received":"2026-04-09T21:49:33.000Z","state":"VA","company_public_response":"Company believes the complaint is the result of a misunderstanding","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["If this <em>matter</em> is not <em>resolved</em> <em>appropriately</em>, I am <em>prepared</em> to pursue further action."]},"sort":[16.572506,"21108622"]},{"_index":"complaint-public-v1","_id":"11381964","_score":16.54397,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Against Experian for Failure to Update Rental Payment Information Dear CFPB, I am writing to formally lodge a complaint against Experian regarding their refusal to assist in correcting and updating my rental payment information for XXXX, as reflected on my rent ledger provided by XXXX. \n\nDespite my repeated attempts to resolve this matter directly with Experian, they have willfully failed to comply with the requirements set forth under the Fair Credit Reporting Act ( 15 USC 1681n ). This violation of my consumer rights is causing significant distress and potential harm to my credit standing.\n\nUnder 15 USC 1681n, any consumer reporting agency that willfully fails to comply with the requirements of this subchapter is liable for damages, which may include {$1000.00} per violation, actual damages sustained, punitive damages as the court may allow, and costs of action including reasonable attorney fees for any successful action to enforce this liability. \n\nI am prepared to pursue legal action against Experian for these violations and seek the appropriate damages. I kindly request that your office investigate this matter and provide assistance in ensuring that my rights as a consumer are upheld. \n\nThank you for your attention to this serious issue. I look forward to your prompt response. \n\nSincerely,","date_sent_to_company":"2025-01-04T18:45:02.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20176","tags":null,"has_narrative":true,"complaint_id":"11381964","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-04T18:44:59.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Despite my repeated attempts to <em>resolve</em> this <em>matter</em> directly with Experian, they have willfully <em>failed</em> to comply with the requirements set forth under the Fair Credit Reporting Act ( 15 USC 1681n ). This violation of my consumer rights is causing significant distress and potential harm to my credit standing."]},"sort":[16.54397,"11381964"]},{"_index":"complaint-public-v1","_id":"11381933","_score":16.542366,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Against Experian for Failure to Update Rental Payment Information Dear CFPB, I am writing to formally lodge a complaint against Experian regarding their refusal to assist in correcting and updating my rental payment information for XXXX, as reflected on my rent ledger provided by XXXX. \n\nDespite my repeated attempts to resolve this matter directly with Experian, they have willfully failed to comply with the requirements set forth under the Fair Credit Reporting Act ( 15 USC 1681n ). This violation of my consumer rights is causing significant distress and potential harm to my credit standing.\n\nUnder 15 USC 1681n, any consumer reporting agency that willfully fails to comply with the requirements of this subchapter is liable for damages, which may include {$1000.00} per violation, actual damages sustained, punitive damages as the court may allow, and costs of action including reasonable attorney fees for any successful action to enforce this liability. \n\nI am prepared to pursue legal action against Experian for these violations and seek the appropriate damages. I kindly request that your office investigate this matter and provide assistance in ensuring that my rights as a consumer are upheld. \n\nThank you for your attention to this serious issue. I look forward to your prompt response. \n\nSincerely,","date_sent_to_company":"2025-01-04T18:44:50.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20176","tags":null,"has_narrative":true,"complaint_id":"11381933","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-04T18:37:17.000Z","state":"VA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Despite my repeated attempts to <em>resolve</em> this <em>matter</em> directly with Experian, they have willfully <em>failed</em> to comply with the requirements set forth under the Fair Credit Reporting Act ( 15 USC 1681n ). This violation of my consumer rights is causing significant distress and potential harm to my credit standing."]},"sort":[16.542366,"11381933"]},{"_index":"complaint-public-v1","_id":"21860470","_score":16.450201,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Formal Complaint Incorrect Billing and Improper Collection Activity I am submitting this complaint regarding an account with XXXX XXXX and the collection agency Caine and Weiner that has been improperly handled and inaccurately reported. \n\nMy auto insurance policy was paid in full through its expiration date of XX/XX/year>. Prior to that date, I contacted XXXX and clearly requested that my policy be cancelled effective on the expiration date of XX/XX/XXXX, XXXX. This request was acknowledged, after I filed the XXXX  complaint, and the policy was subsequently correctly cancelled effective XX/XX/year>, as instructed only AFTER they had sent me to collections. \n\nFollowing cancellation, XXXX confirmed that I was owed a refund of approximately {$80.00}, indicating that my account had a credit balance and that no outstanding amount was due. \n\nDespite this, I was later notified that an alleged balance had been sent to a third-party collection agency, and they refused to have it removed. This is inaccurate and directly contradicts XXXX prior confirmation that I owed no balance and was instead due a refund. I did receive the refund check. \n\nI have made multiple attempts to resolve this matter with both XXXX and the collection agency. The collection agency has failed to respond to my requests for validation of the alleged debt, and XXXX has not taken appropriate action to correct the error, and said they will not remove it from my credit report. \n\nThis situation may constitute violations of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, as well as applicable insurance regulations enforced by the Florida Office of Insurance Regulation. How you can put something I did not owe on my credit report is not legal. \n\nI am requesting the following actions : Immediate removal of any collection account related to this matter. \nIssuance of the previously confirmed refund. \nCorrection of any inaccurate reporting to all credit bureaus. \n\nI have retained documentation supporting my position, including proof of payment, cancellation confirmation, and communication records, and I am prepared to provide these upon request. \n\nIf this matter is not resolved promptly, I am prepared to pursue further action through regulatory agencies and legal channels. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2026-05-04T18:39:25.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"34990","tags":null,"has_narrative":true,"complaint_id":"21860470","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAINE & WEINER COMPANY, INC.","date_received":"2026-05-04T18:17:42.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["If this <em>matter</em> is not <em>resolved</em> promptly, I am <em>prepared</em> to pursue further action through regulatory agencies and legal channels. \n\nSincerely, XXXX XXXX"]},"sort":[16.450201,"21860470"]},{"_index":"complaint-public-v1","_id":"14550463","_score":16.337719,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint to formally report that false and inaccurate information is being reported about me by one or more data furnishers and/or consumer reporting agencies. Despite multiple attempts to dispute and correct this information, it remains on my credit report, which is a clear violation of federal law.\n\nUnder the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), consumer reporting agencies are legally required to conduct a reasonable reinvestigation of any disputed information within 30 days. Additionally, under 15 U.S. Code 1681s-2 ( a ), furnishers of information have a duty to provide accurate data and are prohibited from reporting information they knowor should knowis incorrect. \n\nBy continuing to report or fail to correct this false information, the responsible parties are acting in willful and negligent violation of the FCRA. This has caused me financial and emotional distress, including damage to my credit standing and obstacles in obtaining employment and housing. \n\nI am demanding a full investigation by the CFPB into this matter and expect appropriate enforcement action to be taken against the responsible parties. If this issue is not promptly resolved, I am fully prepared to escalate this through legal channels, including the possibility of a civil suit for statutory and actual damages under 15 U.S.C. 1681n and 1681o.\n\nI respectfully request that this matter be addressed immediately.","date_sent_to_company":"2025-07-09T13:06:34.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"77584","tags":null,"has_narrative":true,"complaint_id":"14550463","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-07-09T13:01:12.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["If this issue is not promptly <em>resolved</em>, I am fully <em>prepared</em> to escalate this through legal channels, including the possibility of a civil suit for statutory and actual damages under 15 U.S.C. 1681n and 1681o.\n\nI respectfully request that this <em>matter</em> be addressed immediately."]},"sort":[16.337719,"14550463"]},{"_index":"complaint-public-v1","_id":"14549770","_score":16.337719,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint to formally report that false and inaccurate information is being reported about me by one or more data furnishers and/or consumer reporting agencies. Despite multiple attempts to dispute and correct this information, it remains on my credit report, which is a clear violation of federal law. \n\nUnder the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), consumer reporting agencies are legally required to conduct a reasonable reinvestigation of any disputed information within 30 days. Additionally, under 15 U.S. Code 1681s-2 ( a ), furnishers of information have a duty to provide accurate data and are prohibited from reporting information they knowor should knowis incorrect.\n\nBy continuing to report or fail to correct this false information, the responsible parties are acting in willful and negligent violation of the FCRA. This has caused me financial and emotional distress, including damage to my credit standing and obstacles in obtaining employment and housing. \n\nI am demanding a full investigation by the CFPB into this matter and expect appropriate enforcement action to be taken against the responsible parties. If this issue is not promptly resolved, I am fully prepared to escalate this through legal channels, including the possibility of a civil suit for statutory and actual damages under 15 U.S.C. 1681n and 1681o. \n\nI respectfully request that this matter be addressed immediately.","date_sent_to_company":"2025-07-09T13:21:36.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"77584","tags":null,"has_narrative":true,"complaint_id":"14549770","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Sezzle Inc.","date_received":"2025-07-09T13:19:47.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["If this issue is not promptly <em>resolved</em>, I am fully <em>prepared</em> to escalate this through legal channels, including the possibility of a civil suit for statutory and actual damages under 15 U.S.C. 1681n and 1681o. \n\nI respectfully request that this <em>matter</em> be addressed immediately."]},"sort":[16.337719,"14549770"]},{"_index":"complaint-public-v1","_id":"14549769","_score":16.337719,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint to formally report that false and inaccurate information is being reported about me by one or more data furnishers and/or consumer reporting agencies. Despite multiple attempts to dispute and correct this information, it remains on my credit report, which is a clear violation of federal law.\n\nUnder the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), consumer reporting agencies are legally required to conduct a reasonable reinvestigation of any disputed information within 30 days. Additionally, under 15 U.S. Code 1681s-2 ( a ), furnishers of information have a duty to provide accurate data and are prohibited from reporting information they knowor should knowis incorrect.\n\nBy continuing to report or fail to correct this false information, the responsible parties are acting in willful and negligent violation of the FCRA. This has caused me financial and emotional distress, including damage to my credit standing and obstacles in obtaining employment and housing. \n\nI am demanding a full investigation by the CFPB into this matter and expect appropriate enforcement action to be taken against the responsible parties. If this issue is not promptly resolved, I am fully prepared to escalate this through legal channels, including the possibility of a civil suit for statutory and actual damages under 15 U.S.C. 1681n and 1681o. \n\nI respectfully request that this matter be addressed immediately.","date_sent_to_company":"2025-07-09T13:23:45.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Rental debt","zip_code":"77584","tags":null,"has_narrative":true,"complaint_id":"14549769","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rent Recovery Solutions","date_received":"2025-07-09T13:21:38.000Z","state":"TX","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["If this issue is not promptly <em>resolved</em>, I am fully <em>prepared</em> to escalate this through legal channels, including the possibility of a civil suit for statutory and actual damages under 15 U.S.C. 1681n and 1681o. \n\nI respectfully request that this <em>matter</em> be addressed immediately."]},"sort":[16.337719,"14549769"]},{"_index":"complaint-public-v1","_id":"14551735","_score":16.330051,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint to formally report that false and inaccurate information is being reported about me by XXXX or more data furnishers and/or consumer reporting agencies. Despite multiple attempts to dispute and correct this information, it remains on my credit report, which is a clear violation of federal law. \n\nUnder the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), consumer reporting agencies are legally required to conduct a reasonable reinvestigation of any disputed information within 30 days. Additionally, under 15 U.S. Code 1681s-2 ( a ), furnishers of information have a duty to provide accurate data and are prohibited from reporting information they knowor should knowis incorrect.\n\nBy continuing to report or fail to correct this false information, the responsible parties are acting in willful and negligent violation of the FCRA. This has caused me financial and emotional distress, including damage to my credit standing and obstacles in obtaining employment and housing.\n\nI am demanding a full investigation by the CFPB into this matter and expect appropriate enforcement action to be taken against the responsible parties. If this issue is not promptly resolved, I am fully prepared to escalate this through legal channels, including the possibility of a civil suit for statutory and actual damages under 15 U.S.C. 1681n and 1681o.\n\nI respectfully request that this matter be addressed immediately.","date_sent_to_company":"2025-07-09T13:08:35.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"77584","tags":null,"has_narrative":true,"complaint_id":"14551735","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2025-07-09T13:06:17.000Z","state":"TX","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["If this issue is not promptly <em>resolved</em>, I am fully <em>prepared</em> to escalate this through legal channels, including the possibility of a civil suit for statutory and actual damages under 15 U.S.C. 1681n and 1681o.\n\nI respectfully request that this <em>matter</em> be addressed immediately."]},"sort":[16.330051,"14551735"]},{"_index":"complaint-public-v1","_id":"14550338","_score":16.308088,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint to formally report that false and inaccurate information is being reported about me by one or more data furnishers and/or consumer reporting agencies. Despite multiple attempts to dispute and correct this information, it remains on my credit report, which is a clear violation of federal law.\n\nUnder the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), consumer reporting agencies are legally required to conduct a reasonable reinvestigation of any disputed information within 30 days. Additionally, under 15 U.S. Code 1681s-2 ( a ), furnishers of information have a duty to provide accurate data and are prohibited from reporting information they knowor should knowis incorrect. \n\nBy continuing to report or fail to correct this false information, the responsible parties are acting in willful and negligent violation of the FCRA. This has caused me financial and emotional distress, including damage to my credit standing and obstacles in obtaining employment and housing. \n\nI am demanding a full investigation by the CFPB into this matter and expect appropriate enforcement action to be taken against the responsible parties. If this issue is not promptly resolved, I am fully prepared to escalate this through legal channels, including the possibility of a civil suit for statutory and actual damages under 15 U.S.C. 1681n and 1681o. \n\nI respectfully request that this matter be addressed immediately.","date_sent_to_company":"2025-07-09T13:30:03.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"77584","tags":null,"has_narrative":true,"complaint_id":"14550338","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Lockhart, Morris & Montgomery Inc.","date_received":"2025-07-09T13:23:57.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["If this issue is not promptly <em>resolved</em>, I am fully <em>prepared</em> to escalate this through legal channels, including the possibility of a civil suit for statutory and actual damages under 15 U.S.C. 1681n and 1681o. \n\nI respectfully request that this <em>matter</em> be addressed immediately."]},"sort":[16.308088,"14550338"]},{"_index":"complaint-public-v1","_id":"12223962","_score":16.223726,"_source":{"product":"Credit card","complaint_what_happened":"Description of the Issue : On XX/XX/XXXX, my wife and I contacted Citibanks XXXX Department to request financial assistance due to temporary financial difficulties. We submitted the request in good faith, following Citibanks stated policies regarding financial hardship assistance. However, despite our compliance with their process, Citibank failed to properly process our application. As a result, our account was subjected to an unjustified \" force pay '' transaction on XX/XX/XXXX, which led to the unauthorized deduction of {$1300.00} from our account. \n\nDue to Citibanks failure to honor its hardship assistance policy and mishandling of our request, we incurred additional financial burdens, including {$2700.00} in medical bills, essential monthly expenses, and other costs directly related to this issue. This brings our total financial loss to {$4100.00}. \n\nAttempts to Resolve the Issue : On XX/XX/XXXX, we sent a formal demand letter to Citibank requesting the reimbursement of the unauthorized withdrawal and the damages caused by their failure to process our hardship request correctly. Despite our efforts to resolve this matter amicably, Citibank has failed to respond. \n\nWe made multiple follow-up calls to Citibank, speaking with several representatives and managers, none of whom took full responsibility for the mishandling of our hardship request. We also requested access to the recorded call from XX/XX/XXXX, to provide clear proof of our claim. However, Citibank refused to provide the recording, avoided direct answers, and failed to acknowledge the financial and emotional stress their actions have caused our family. \n\nWe are aware that Citibank records all customer service calls, and we are confident that the recorded conversation from XX/XX/XXXX, will provide clear evidence of our hardship request and Citibanks subsequent failure to act appropriately. \n\nWe request the following actions from Citibank : - Immediate reimbursement of {$1300.00} for the unauthorized withdrawal. \n\n- Compensation of {$2700.00} for additional expenses incurred due to Citibanks mishandling of our hardship request. \n\n- A formal response from Citibank addressing this issue and ensuring corrective action is taken to prevent similar occurrences in the future. \n\nGiven that Citibank has continued to delay any response, our financial stress has only increased. If this issue remains unresolved, we are prepared to increase our claim amount accordingly. Additionally, we are still fully prepared to escalate this matter legally and hire an attorney if Citibank does not take immediate corrective action. \n\nWe appreciate your prompt attention to this matter and look forward to a resolution. Please let us know if any additional information is required.","date_sent_to_company":"2025-02-26T22:16:02.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"77845","tags":null,"has_narrative":true,"complaint_id":"12223962","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-02-26T22:00:06.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["Attempts to <em>Resolve</em> the Issue : On XX/XX/XXXX, we sent a formal demand letter to Citibank requesting the reimbursement of the unauthorized withdrawal and the damages caused by their failure to process our hardship request correctly. Despite our efforts to <em>resolve</em> this <em>matter</em> amicably, Citibank has <em>failed</em> to respond."]},"sort":[16.223726,"12223962"]},{"_index":"complaint-public-v1","_id":"8970741","_score":16.129591,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Formal Complaint Against XXXX XXXX XXXX - Resolution Requested To Whom It May Concern, I am writing to file a formal complaint against XXXX XXXX XXXX regarding numerous instances of egregious billing practices and failure to adhere to consumer protection laws in the state of Illinois. Since XX/XX/XXXX until XX/XX/XXXX, I have been systematically charged exorbitant fees totaling {$6000.00}, which are demonstrably false and unsubstantiated. \n\nFurthermore, despite fulfilling all terms and conditions for an upgrade and trade-in of my device of the XXXX XXXX for the XXXX XXXX XXXX with XXXX XXXX, XXXX has failed to provide the appropriate compensation for the trade-in. This lack of compensation not only constitutes a breach of our contractual agreement but also reflects a blatant disregard for fair business practices. \n\nI wish to emphasize that I have upheld my end of the agreement as a conscientious consumer, and I expect XXXX to reciprocate in kind by promptly refunding the erroneously charged fees and compensating me for the trade-in as per our initial agreement. Additionally, I demand the immediate closure of my account with XXXX, as I no longer have faith in the company 's ability to conduct business ethically and transparently. \n\nIt is my sincere hope that this matter can be resolved swiftly and amicably, but I am prepared to pursue further action, including legal recourse, if necessary, to ensure that justice is served. I trust that XXXX will take this complaint seriously and take appropriate measures to rectify the situation without further delay. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-05-10T00:28:47.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"60563","tags":null,"has_narrative":true,"complaint_id":"8970741","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-05-10T00:11:46.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["It is my sincere hope that this <em>matter</em> can be <em>resolved</em> swiftly and amicably, but I am <em>prepared</em> to pursue further action, including legal recourse, if necessary, to ensure that justice is served. I trust that XXXX will take this complaint seriously and take <em>appropriate</em> measures to rectify the situation without further delay. \n\nSincerely, XXXX XXXX"]},"sort":[16.129591,"8970741"]},{"_index":"complaint-public-v1","_id":"12086882","_score":16.00375,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am writing to formally document my experience with Navy Federal Credit Union ( NFCU ) regarding my auto loan account and my right to rescind the bilateral car contract. \n\nFrom the beginning, I made multiple attempts to resolve issues with my account, specifically regarding unauthorized payments made by Navy Federal from my business account to cover a personal auto loan. These transactions were conducted without my authorization, which I believe was both improper and illegal. Despite my efforts to dispute these charges and seek clarification, Navy Federal failed to address my concerns adequately. 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I am prepared to take further action to hold Navy Federal accountable for their misconduct, including filing complaints with the appropriate regulatory bodies and seeking legal remedies for the financial and personal damages I have suffered. My company has has been depleted and so has my welfare and personal life I urge Navy Federal to address this matter immediately and rectify the harm caused by their unlawful actions.","date_sent_to_company":"2025-02-14T13:40:55.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Savings account","zip_code":"22193","tags":null,"has_narrative":true,"complaint_id":"12086882","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-02-14T13:24:48.000Z","state":"VA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I am <em>prepared</em> to take further action to hold Navy Federal accountable for their misconduct, including filing complaints with the <em>appropriate</em> regulatory bodies and seeking legal remedies for the financial and personal damages I have suffered. 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