{"took":120,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":27111,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4445233","_score":14.356496,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/XXXX, I received a mailer from US Bank that included some checks to be used for Balance Transfers. Upon further inspection I noticed that the checks contained no security features whatsoever. I took then into my nearest US Bank branch and the confiscated them for having no security features. I then called the corporate office and they told me it is common practice to mail out checks without any security features on them. I told them to stop sending these out. Then today I receive another mailer with the same substandard checks. By security features, I am referring to features on checks to minimize fraudulent use or forgery of checks, such as microprint, security seal, heat-sensitive ink, and writing only visible when held up to the light. The checks the bank is continuing to send me have none of these features.","date_sent_to_company":"2021-06-09T19:34:47.000Z","issue":"Other service problem","sub_product":"Domestic (US) money transfer","zip_code":"92673","tags":null,"has_narrative":true,"complaint_id":"4445233","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2021-06-09T19:01:43.000Z","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":["By security <em>features</em>, I am referring to <em>features</em> on checks to minimize fraudulent use or forgery of checks, such as microprint, security seal, heat-sensitive ink, and writing only visible when held up to the light. The checks the bank is continuing to send me have none of these <em>features</em>."]},"sort":[14.356496,"4445233"]},{"_index":"complaint-public-v1","_id":"12169138","_score":14.054488,"_source":{"product":"Checking or savings account","complaint_what_happened":"Chime offers features on your checking and credit builder account that allows money to be moved automatically. On XX/XX/year> I received a deposit of {$70.00} that was transferred to my Credit builder account on XX/XX/XXXX. I access my Chime features and XXXX all functions that will allow transfers to take place automatically on XX/XX/XXXX I received another deposit of {$70.00}. That deposit was also transferred to my Credit builder account. The funds should not have been transferred because again the features were XXXX on XX/XX/XXXX. I receive XXXX more deposits on XX/XX/XXXX XXXX of {$200.00} and another of XXXX both of those were deposits were also moved even with the features XXXX. Wow a portion of the deposits received on XX/XX/XXXX were removed to cover a balance on a previous advance. Money was still moved into the credit builder account even with the features XXXX the company has yet to provide any information on why the funds are being moved with features still being turned off and nothing and the terms and conditions state that even with a negative balance that my funds will be moved, even with the features are turned off.","date_sent_to_company":"2025-02-21T18:05:18.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"75126","tags":null,"has_narrative":true,"complaint_id":"12169138","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-02-21T17:45:15.000Z","state":"TX","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["Money was still moved into the credit builder account even with the <em>features</em> XXXX the company has yet to provide any information on why the funds are being moved with <em>features</em> still being turned off and nothing and the terms and conditions state that even with a negative balance that my funds will be moved, even with the <em>features</em> are turned off."]},"sort":[14.054488,"12169138"]},{"_index":"complaint-public-v1","_id":"9351518","_score":13.696751,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I received a loan through XXXX XXXX services, which was then provided by Chase Bank. I paid $ XXXX for a product that promised me a host of features and services over the next 10 years, and XXXX XXXX is now in XXXX  XXXX bankruptcy and I will likely never see any of the features I was charged for ( warranty, self-driving, advanced safety features, regular software updates, parts etc. )","date_sent_to_company":"2024-06-26T17:21:18.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"75007","tags":null,"has_narrative":true,"complaint_id":"9351518","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-06-26T17:04:36.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem with additional products or services purchased with the loan"},"highlight":{"complaint_what_happened":["I paid $ XXXX for a product that promised me a host of <em>features</em> and services over the next 10 years, and XXXX XXXX is now in XXXX  XXXX bankruptcy and I will likely never see any of the <em>features</em> I was charged for ( warranty, self-driving, advanced safety <em>features</em>, regular software updates, parts etc. )"]},"sort":[13.696751,"9351518"]},{"_index":"complaint-public-v1","_id":"16034307","_score":13.226992,"_source":{"product":"Credit card","complaint_what_happened":"XXXX XXXX advertised \" fully lie-flat seats '' as part of their XXXX XXXX offering. The promotion further stated, \" you can enjoy your journey even more with the special features * of XXXX XXXX seating, '' followed by the disclaimer : \" * seating features may vary according to aircraft type. '' The messaging implies that \" special features '' would enhance an already guaranteed fully lie-flat seat. This was a key factor in my decision to purchase the ticket for {$4600.00}. \n\nHowever, despite booking a XXXX XXXX seat, the seat provided was not fully lie-flat. It only reclined slightly, which does not meet the advertised standard. \n\nAfter I submitted a complaint on XXXX XXXXXXXX XXXX XXXXXXXX XXXX quietly revised their advertisement. The updated version now says \" lie-flat '' instead of \" fully lie-flat. '' I have attached a screenshot of the original advertisement as it appeared at the time of my booking and complaint.\n\nThe credit card company ( Goldman Sachs ) declined to reverse the charge, citing the airline 's \" terms and conditions '', that \" seating features may vary according to aircraft type. '' However, this statement ( seating features may vary according to aircraft type ) was presented as a qualifier to \" enjoy your journey even more with the special features ... '' Goldman Sachs ' response thus overlooks the misleading nature of XXXX XXXX ' original advertisement that \" special features '' would enhance an already guaranteed fully lie-flat seat.\n\nThe Federal Trade Commission Act ( FTC Act ) prohibits unfair or deceptive practices, including false claims in advertising. The Lanham Act ( 15 U.S.C. 1125 ( a ) ) also addresses false advertising, allowing businesses to sue competitors for misleading statements. Companies that violate these laws owe legal remedies to all their consumers and competitors for deceptive business practices.","date_sent_to_company":"2025-09-18T14:04:09.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"23505","tags":"Servicemember","has_narrative":true,"complaint_id":"16034307","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2025-09-18T13:39:03.000Z","state":"VA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["The credit card company ( Goldman Sachs ) declined to reverse the charge, citing the airline 's \" terms and conditions '', that \" seating <em>features</em> may vary according to aircraft type. '' However, this statement ( seating <em>features</em> may vary according to aircraft type ) was presented as a qualifier to \" enjoy your journey even more with the special <em>features</em> ... '' Goldman Sachs ' response thus overlooks the misleading nature of XXXX XXXX ' original advertisement that \" special <em>features</em> '' would enhance"]},"sort":[13.226992,"16034307"]},{"_index":"complaint-public-v1","_id":"6385618","_score":13.133438,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I put in an order for a XXXX XXXX XXXX on XX/XX/2021 for a car which was blue, with XXXX XXXX XXXX  but was also supposed to include some other standard features which were advertised at the time of purchase such as a tilting front screen and the ability to play XXXX like games such as the XXXX from the car. The problem is that after the car was delivered those XXXX aformented features have finally come and been implemented, however I was told today that I must pay for these upgrades. I believe its unfair to have to pay when those features were stated to be included at the time of my purchase.","date_sent_to_company":"2023-01-02T14:06:48.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"60074","tags":null,"has_narrative":true,"complaint_id":"6385618","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Tesla, Inc.","date_received":"2023-01-02T13:55:16.000Z","state":"IL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Confusing or misleading advertising or marketing"},"highlight":{"complaint_what_happened":["I believe its unfair to have to pay when those <em>features</em> were stated to be included at the time of my purchase."]},"sort":[13.133438,"6385618"]},{"_index":"complaint-public-v1","_id":"8491536","_score":13.078961,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/2024 I received an email from PayPal stating that my account features had been deactivated and that they were unable to offer PayPal services for my account anymore.The abrupt suspension of my account features has left me unable to access my funds, including upcoming direct deposits that are critical for my financial obligations. \nThe lack of access to my PayPal debit card, checking account, and other services has put me in a difficult situation where I am unable to receive essential payments. This sudden action has not only caused inconvenience but also financial distress. I reached out to PayPal customer service via phone regarding my deactivated account features, which I've had for 5 years, and was left in the dark without any explanation. This sudden restriction on my account has caused me significant inconvenience and frustration. I don't understand why this has happened & would like for all of my account features to be reactivated.","date_sent_to_company":"2024-03-07T03:16:05.000Z","issue":"Managing, opening, or closing your mobile wallet account","sub_product":"Mobile or digital wallet","zip_code":"354XX","tags":null,"has_narrative":true,"complaint_id":"8491536","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2024-03-07T02:54:47.000Z","state":"AL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["On XX/XX/2024 I received an email from PayPal stating that my account <em>features</em> had been deactivated and that they were unable to offer PayPal services for my account anymore.The abrupt suspension of my account <em>features</em> has left me unable to access my funds, including upcoming direct deposits that are critical for my financial obligations."]},"sort":[13.078961,"8491536"]},{"_index":"complaint-public-v1","_id":"4060233","_score":13.018337,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"The billing statement with closing date XX/XX/XXXX Account ending XXXX, the pay overtime direct, pay overtime travel, pay overtime select, promotional sign & travel rate expired, promotional pay overtime direct rate expired and cash advances. Neither of the above features did I agree or gave consent to add and apply these features to my billing statements. Just like in the pass also American Express added additional car rental insurance fees features to my billing statements without my agreement and identity theft protection features also without my agreement. This is a violation of the TILA act law adding features to my billing statements without my agreement or consent. On the billing statement XX/XX/XXXX on page 5 of 5 of important notice EFT Error Resolution Notice it states we will investigate your complaint and will correct any error promptly. if we take more than 10 business days to do this, we will credit your account for the amount you think is in error. In this case the total balance is in error this complaint has been in dispute several occasions most recently on XX/XX/XXXX with me and CFPB with no response, therefore its been more than 10 business days and they will have to honor their XX/XX/XXXX billing statement on page 5 of 5 of the EFT Error Resolution Notice statement,","date_sent_to_company":"2021-01-11T06:25:55.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"33056","tags":null,"has_narrative":true,"complaint_id":"4060233","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2021-01-11T05:47:02.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["Neither of the above <em>features</em> did I agree or gave consent to add and apply these <em>features</em> to my billing statements. Just like in the pass also American Express added additional car rental insurance fees <em>features</em> to my billing statements without my agreement and identity theft protection <em>features</em> also without my agreement. This is a violation of the TILA act law adding <em>features</em> to my billing statements without my agreement or consent."]},"sort":[13.018337,"4060233"]},{"_index":"complaint-public-v1","_id":"6472146","_score":12.924224,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/23, I opened a Rewards Checking account with Upgrade Bank, under the guise that I would be able to utilize all the promised features of this new exciting account including mobile check deposit, cash deposits, and debit card deposits to my new account. \n\nUpon opening, I was distressed to find that I was unable to use any of these aforementioned and promised features even after receiving an email stating these features were available to me. Appalled, I phoned in to Upgrade three times and was advised by a supervisor that he has no idea why these features were unavailable and could tell me no more. \n\nAt this time I remain appalled and shocked at this companys horrific false advertising as well as abhorrent customer care with managers who refuse to speak to their customers and are clueless as to the inner workings of this bank. As such, I demand immediate access to the mobile check deposit feature as guaranteed to me on a recorded call with an agent on XX/XX/23, as well as urgent contact from Upgrade Executive management.\n\nThis matter is extremely time urgent, and this bank must be held accountable for the false pretenses under which they draw customers in and immediate resolution is merited. \n\nThank you kindly.","date_sent_to_company":"2023-01-22T18:03:38.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"908XX","tags":null,"has_narrative":true,"complaint_id":"6472146","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UPGRADE, INC.","date_received":"2023-01-22T17:57:12.000Z","state":"CA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["On XX/XX/23, I opened a Rewards Checking account with Upgrade Bank, under the guise that I would be able to utilize all the promised <em>features</em> of this new exciting account including mobile check deposit, cash deposits, and debit card deposits to my new account. \n\nUpon opening, I was distressed to find that I was unable to use any of these aforementioned and promised <em>features</em> even after receiving an email stating these <em>features</em> were available to me."]},"sort":[12.924224,"6472146"]},{"_index":"complaint-public-v1","_id":"11894805","_score":12.901385,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"In the year XXXX using wells fargo bank, I sent several wire transfers to an apparent fraudulent investment platform that wells fargo assured me that were legitimate, stating there software had built in security features that would detect fraud should it be needed, but in the end had zero security features and was scammed out of every cent.","date_sent_to_company":"2025-02-02T23:04:20.000Z","issue":"Fraud or scam","sub_product":"International money transfer","zip_code":"897XX","tags":"Older American","has_narrative":true,"complaint_id":"11894805","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-02-02T22:36:54.000Z","state":"NV","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":["In the year XXXX using wells fargo bank, I sent several wire transfers to an apparent fraudulent investment platform that wells fargo assured me that were legitimate, stating there software had built in security <em>features</em> that would detect fraud should it be needed, but in the end had zero security <em>features</em> and was scammed out of every cent."]},"sort":[12.901385,"11894805"]},{"_index":"complaint-public-v1","_id":"3942645","_score":12.898759,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I purchased a XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX XXXX, through sales woman XXXX XXXX XXXX. I asked about specific features of the vehicle and was told that it was a Platinum, top trim vehicle, and had all the features that I requested. Here is what I found after I drove away from the dealership. The following features are not present in the vehicle : 1. Auto High Beam 2. Automatic Map Updates via WIFI 3. Front Emergency Braking 4. Rear Emergency Braking 5. Lane Mitigation 6. Speed Limit Camera 7. Maintenance - Oil Change/Tire Rotation ( I asked for 3 years ) I was disappointed when the same evening I left the dealership with the car to learn that it does not have Auto High Beam. I was prepared to live with that but on Friday XX/XX/XXXX, while at another dealership to pick up my wife 's car, I found out that the map uses a disk and that it would not be updated over WIFI. Earlier that morning I also learned that I would get 2 years of maintenance which is only oil changes and not tire rotation. I addition, I learned that I had actually paid for it when I thought it was complimentary from the dealership. I went dealership on Saturday, XX/XX/XXXX to get my car washed, and asked about the map updates and was told that I could update the map via XXXX XXXX. I also spoke with the Finance Manager, who graciously explained that I got 3 years of maintenance, which includes oil changes and tire rotation, but that I still had to finance it. After I left and was driving home, I scared my wife in the car be driving up close to vehicles, testing out the Emergency Braking and the Lane Mitigation. To my surprise, none of those things operated. I thought I must need to change some settings in the car, so I called up the sales guy at the other Nissan Dealership to verify the features and he told me that the XXXX XXXX XXXX does not have the Emergency Braking or Lane Mitigation safety features. Again, I was back to feeling hurt and disappointed with my purchase. \n\nI contacted the dealer and spoke with both the sales manager, XXXX XXXX, and the new car sales manager XXXX, and they both told me that they can't do anything and that they will not take the care back, even though I was lied to by their sales rep. In fact, the sales manager offered to buy me a tank of gas. The sales woman felt badly about what she did and offered to buy me extra oil changes out of her own pocket, or pay the difference in payoff of XXXX XXXX. But I really don't want the car. I want to get a car with the features that I asked for. I sent an email to XXXX XXXX, but he never addressed the issues in the email. \n\nMy previous cars had those features listed above. I traded in my XXXX XXXX XXXX which had the features I wanted. It is now evident that I traded in my XXXX XXXX for a car with Inferior safety features. I am extremely unhappy with the purchase at this time. I can not continue to pay for a vehicle that does not have the basic features that I specifically requested. I no longer want this vehicle. This is the first time I have felt this way after purchasing a vehicle. They also took my XXXX XXXX XXXX and gave me only {$2000.00} to help to get the loan.","date_sent_to_company":"2020-11-17T16:46:19.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"30093","tags":null,"has_narrative":true,"complaint_id":"3942645","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","date_received":"2020-11-08T17:39:07.000Z","state":"GA","company_public_response":null,"sub_issue":"Confusing or misleading advertising or marketing"},"highlight":{"complaint_what_happened":["I want to get a car with the <em>features</em> that I asked for. I sent an email to XXXX XXXX, but he never addressed the issues in the email. \n\nMy previous cars had those <em>features</em> listed above. I traded in my XXXX XXXX XXXX which had the <em>features</em> I wanted. It is now evident that I traded in my XXXX XXXX for a car with Inferior safety <em>features</em>. I am extremely unhappy with the purchase at this time."]},"sort":[12.898759,"3942645"]},{"_index":"complaint-public-v1","_id":"2313266","_score":12.518332,"_source":{"product":"Credit card","complaint_what_happened":"I applied for a Chase Sapphire Reserve card and got approved. I noticed after that the card had an annual fee of {$450.00}. Shocked by the annual fee I called Chase customer service immediately after getting approved to ask about options for changing the card to one without an annual fee. The agent that helped me walked me through the different cards and explained the features that they offer. She explained that the freedom card offered cash back and that the Slate card offered no interest on purchases and balance transfers. She also explained that both of those cards have no annual fee. based on my needs I asked her to switch me to the Slate card for the on interest on balance transfers and purchases feature. She agreed and changed me to it. \nSome time later I noticed that I did n't get any of the promotions that the slate card has so I called and asked why, after speaking with several reps over several calls the lady at the EO explained that even though I got the card for balance transfers that I did not qualify for the offer because I did a product change to that card. I explained that I did the product change on the exact same day within mi nutes of getting approved and she said that regardless that I would not get the offer. I explained that the rep explained that the slate had the balance transfer features and that that is why I had picked it. she said that \" the rep explained that the Slate card offers those features but that she did not say that ( you ) were getting those features ''. I feel that this is very deceptive as I made it clear that I selected that card for the No Interest and balance transfer features. she said that she would not do anything for me and that it was not the reps responability to disclose that.","date_sent_to_company":"2017-01-26T19:26:09.000Z","issue":"Customer service / Customer relations","sub_product":null,"zip_code":"76018","tags":null,"has_narrative":true,"complaint_id":"2313266","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2017-01-26T19:26:09.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I explained that the rep explained that the slate had the balance transfer <em>features</em> and that that is why I had picked it. she said that \" the rep explained that the Slate card offers those <em>features</em> but that she did not say that ( you ) were getting those <em>features</em> ''."]},"sort":[12.518332,"2313266"]},{"_index":"complaint-public-v1","_id":"8566529","_score":12.409048,"_source":{"product":"Credit card","complaint_what_happened":"I made a purchase from XXXX  paid features. I turned off the auto-renewal feature, which should be outlawed in the first place. XXXX charged me {$590.00} via autorenewal anyway. I didn't try to contact them because their tech support was almost completely unresponsive so I decided not to waste my time trying to reach them. Instead I contested the charge with Bank of America. They denied the claim twice after many months. Their explanation was that I was using the software because I logged in the system. This makes XXXX sense because XXXX has many free features that also require logging in. I am logged in right now but not paying for any paid features. I can not understand how this response from Bank of America is fair or logical in any way. I have screen shots of the XXXX web site showing I turned off the autorenewal feature. This situation is ridiculous.","date_sent_to_company":"2024-03-17T19:24:13.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"20170","tags":null,"has_narrative":true,"complaint_id":"8566529","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-03-17T19:15:14.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["This makes XXXX sense because XXXX has many free <em>features</em> that also require logging in. I am logged in right now but not paying for any paid <em>features</em>. I can not understand how this response from Bank of America is fair or logical in any way. I have screen shots of the XXXX web site showing I turned off the autorenewal feature. This situation is ridiculous."]},"sort":[12.409048,"8566529"]},{"_index":"complaint-public-v1","_id":"11618865","_score":12.291847,"_source":{"product":"Credit card","complaint_what_happened":"I XXXX XXXX was never informed about the other features especially about the\n\n360 increase offer. I wasn't offered, or knowledgeable about feature. Which has me concerned about other offers or features I'm unaware of. ( Also confused on my I'm paying on my on money unsecured credit for 6 months when before joining Capital One I was informed 3 to 4 months of good payments would be max limit. Thank You","date_sent_to_company":"2025-01-20T05:55:39.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"29223","tags":null,"has_narrative":true,"complaint_id":"11618865","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-01-20T05:37:43.000Z","state":"SC","company_public_response":null,"sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["I XXXX XXXX was never informed about the other <em>features</em> especially about the\n\n360 increase offer. I wasn't offered, or knowledgeable about feature. Which has me concerned about other offers or <em>features</em> I'm unaware of. ( Also confused on my I'm paying on my on money unsecured credit for 6 months when before joining Capital One I was informed 3 to 4 months of good payments would be max limit. Thank You"]},"sort":[12.291847,"11618865"]},{"_index":"complaint-public-v1","_id":"2143416","_score":12.283842,"_source":{"product":"Credit card","complaint_what_happened":"Opened an XXXX card and have been paying on time as well as using card for purchases american express started to remove features and other benefits from my card. As I do pay a member fee like all other members i expect to have the same benefits and features as those with the same card. After several long chats and calls they refuse to assist me as a member. After checking my credit and looking at what could cause this there was only one reason it was discriminatory on my race, religion or XXXX.","date_sent_to_company":"2016-10-05T17:14:48.000Z","issue":"Credit line increase/decrease","sub_product":null,"zip_code":"78229","tags":null,"has_narrative":true,"complaint_id":"2143416","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2016-10-03T20:31:42.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Opened an XXXX card and have been paying on time as well as using card for purchases american express started to remove <em>features</em> and other benefits from my card. As I do pay a member fee like all other members i expect to have the same benefits and <em>features</em> as those with the same card. After several long chats and calls they refuse to assist me as a member. After checking my credit and looking at what could cause this there was only one reason it was discriminatory on my race, religion or XXXX."]},"sort":[12.283842,"2143416"]},{"_index":"complaint-public-v1","_id":"2483426","_score":12.1754875,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I signed a new car lease for a   XXXX    XXXX   XXXX   XXXX  with  XXXX   XXXX  in  XXXX , New Jersey through  GM Financial.  I was promised that my vehicle would contain standard features ( including an illuminated shifter console ) in addition to other add-on features for the LT model. When I received the vehicle after signing the lease, I discovered that the \" standard equipment/feature '' that was promised in my vehic le ( a n illuminated shifter console ) was not present in my vehicle.  XXXX   XXXX  and  XXXX  GM  have refused to repair or replace the vehicle to provide me with the features I was promised pursuant to the lease agreement. I have made multiple attempts to resolve the issue and even though  XXXX   XXXX  and  XXXX  GM  acknowledge that this \" standard equipment '' was accidentally left out of my   XXXX    XXXX   XXXX   XXXX , they have refused to resolve the issue in any way.  I  continue to pay the lease amount under protest, trying to work toward a resolution where the contract I signed is honored and what I was promised is delivered.","date_sent_to_company":"2017-05-16T18:50:10.000Z","issue":"Getting a loan or lease","sub_product":"Lease","zip_code":"07011","tags":null,"has_narrative":true,"complaint_id":"2483426","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"General Motors Financial Company, Inc.","date_received":"2017-05-12T04:52:16.000Z","state":"NJ","company_public_response":null,"sub_issue":"Confusing or misleading advertising"},"highlight":{"complaint_what_happened":["I was promised that my vehicle would contain standard <em>features</em> ( including an illuminated shifter console ) in addition to other add-on <em>features</em> for the LT model. When I received the vehicle after signing the lease, I discovered that the \" standard equipment/feature '' that was promised in my vehic le ( a n illuminated shifter console ) was not present in my vehicle."]},"sort":[12.1754875,"2483426"]},{"_index":"complaint-public-v1","_id":"14695931","_score":12.077967,"_source":{"product":"Checking or savings account","complaint_what_happened":"On Tuesday XX/XX/XXXX a transaction was made to my account and {$50.00} it was not supposed to go to this account that was an error on our fault for it not to be transferred to this account but I activated all the safety features that stopped the function from transferring from the security account to the credit builder account which was overdrafted by XXXX which the credit builder auto pay was turned off and should not have transferred the money but when it was transferred into the secured account the auto pay feature transferred into the credit builder account and was deducted it was not meant to go to this account in the first place and I turned on all the safety features that the company implemented to prevent it from happening it's still override it all the safety features deducting the {$50.00} and was unable to send it back to the original sender when I called to file a report about it he said there was no way to reverse the transaction and that the money is already gone he was unwilling to and said there was no way to file a complaint or to speak to a XXXX because of the transaction the family in need are unable to feed themselves and provide themselves the necessities","date_sent_to_company":"2025-07-16T04:18:46.000Z","issue":"Managing an account","sub_product":"CD (Certificate of Deposit)","zip_code":"95821","tags":null,"has_narrative":true,"complaint_id":"14695931","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-07-16T03:39:19.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem with fees or penalties"},"highlight":{"complaint_what_happened":["the auto pay feature transferred into the credit builder account and was deducted it was not meant to go to this account in the first place and I turned on all the safety <em>features</em> that the company implemented to prevent it from happening it's still override it all the safety <em>features</em> deducting the {$50.00} and was unable to send it back to the original sender when I called to file a report about it he said there was no way to reverse the transaction and that the money is already gone he was unwilling"]},"sort":[12.077967,"14695931"]},{"_index":"complaint-public-v1","_id":"2566167","_score":12.074053,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I applied for the XXXX XXXX Visa Signature Credit Card which had many desireable features which I was interested in. <P/>As I did not meet the credit standards for the Card as advertised above, I was assigned a card of lower features, a card I was not interested in having or accepting. <P/>The company did n't offer the inferior card, they simply assigned it to me. <P/>Within 10 minutes of being approved online for the inferior card I contacted Bank of America and asked that they rescind my application as opposed to closing the account that I neither wanted nor that I ever used.","date_sent_to_company":"2017-07-05T19:59:22.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"98040","tags":null,"has_narrative":true,"complaint_id":"2566167","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2017-07-05T19:18:19.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["I applied for the XXXX XXXX Visa Signature Credit Card which had many desireable <em>features</em> which I was interested in. <P/>As I did not meet the credit standards for the Card as advertised above, I was assigned a card of lower <em>features</em>, a card I was not interested in having or accepting. <P/>The company did n't offer the inferior card, they simply assigned it to me."]},"sort":[12.074053,"2566167"]},{"_index":"complaint-public-v1","_id":"12752030","_score":12.044853,"_source":{"product":"Credit card","complaint_what_happened":"Complaint Regarding Credit Card Features and Usage Restriction - Navy Federal Credit Union Dear Consumer Financial Protection Bureau, XX/XX/2025 @ XXXX I am writing to formally submit a complaint about Navy Federal Credit Union ( NFCU ) regarding a call @ or about XX/XX/2025 about XXXX the credit card I received from them and the restrictions imposed on its usage.\n\nOne of the key features promised with this credit card was that payments made directly from an NFCU account would post on the same day. This feature was important to me as it allowed me to manage my spending responsibly. I utilized this feature by paying off charges immediately after making them, ensuring I stayed within my budget and accounted for my expenses. However, despite adhering to this process, I have been prevented from using my credit card even though my account shows an available credit limit of {$320.00}. \n\nThis restriction on my spending contradicts the terms under which the card was sold to me, causing inconvenience and frustration. I believe such practices are unfair to consumers and fail to honor the commitments NFCU made regarding the credit cards functionality and features. \n\nI kindly request the CFPBs assistance in addressing this matter. I would like to understand why NFCU has imposed this restriction and ask that they restore the functionality of my credit card to reflect the promised features. Moreover, I seek assurance that such issues will not recur for me or other NFCU customers. \n\nThank you for your time and attention to this complaint. I appreciate the CFPBs efforts in ensuring fairness and accountability in the financial sector.","date_sent_to_company":"2025-04-01T05:09:20.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"770XX","tags":"Servicemember","has_narrative":true,"complaint_id":"12752030","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-04-01T04:49:21.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["I believe such practices are unfair to consumers and fail to honor the commitments NFCU made regarding the credit cards functionality and <em>features</em>. \n\nI kindly request the CFPBs assistance in addressing this matter. I would like to understand why NFCU has imposed this restriction and ask that they restore the functionality of my credit card to reflect the promised <em>features</em>. Moreover, I seek assurance that such issues will not recur for me or other NFCU customers."]},"sort":[12.044853,"12752030"]},{"_index":"complaint-public-v1","_id":"11557231","_score":12.0374775,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"zelle has no safety features or any regulations when sending money.","date_sent_to_company":"2025-01-15T03:14:21.000Z","issue":"Confusing or missing disclosures","sub_product":"Mobile or digital wallet","zip_code":"92344","tags":null,"has_narrative":true,"complaint_id":"11557231","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-01-15T03:06:20.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["zelle has no safety <em>features</em> or any regulations when sending money."]},"sort":[12.0374775,"11557231"]},{"_index":"complaint-public-v1","_id":"2660770","_score":12.025494,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax had negligent security features and leaked my personal financial information.","date_sent_to_company":"2017-09-08T17:28:00.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"98122","tags":null,"has_narrative":true,"complaint_id":"2660770","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T17:21:56.000Z","state":"WA","company_public_response":null,"sub_issue":"Problem with product or service terms changing"},"highlight":{"complaint_what_happened":["Equifax had negligent security <em>features</em> and leaked my personal financial information."]},"sort":[12.025494,"2660770"]},{"_index":"complaint-public-v1","_id":"2543056","_score":12.018984,"_source":{"product":"Mortgage","complaint_what_happened":"I have asked  Ditech  several times this week  XXXX  more recently on Friday,  XXXX   XXXX ,   XXXX   ), to e-mail me the statements from  XXXX ,  XXXX ,   XXXX  , along with a recent escrow analysis that was completed in  XXXX ,   XXXX  . I have received nothing via e-mail, though the customer service representatives have told me that they have sent the documents. What prompted the e-mail document request is that I am unable to login to the account via the Ditech online system, to be able to download the documents myself, since I do not receive paper documents via mail, anymore. I requested a reset \" password '' link several times, and it does not work. I have been told by the customer service reps. that the login features have not be working since at least  XXXX   XXXX ,   XXXX  . Currently, since I am unable to access the login features of the website, I am unable to use the online payment features of the website, in addition to not being able to download documents. I am told that I am not the only  XXXX  experiencing this problem. And, the customer service reps. are unable to provide any information as to when the account login features will be available. I never had this kind of trouble when my loan was with  XXXX . The fact that the account login portion of the website has been inaccessible this long is inexcusable, especially since Ditech encourages its customers to use web-based services, instead of the  U.S.  mail. I am also annoyed by the fact that Ditech has made no efforts to put a notice on the website, to notify people that the website is having technical issues.","date_sent_to_company":"2017-06-12T16:22:01.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"92651","tags":null,"has_narrative":true,"complaint_id":"2543056","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ditech Financial LLC","date_received":"2017-06-12T13:39:02.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I have been told by the customer service reps. that the login <em>features</em> have not be working since at least  XXXX   XXXX ,   XXXX  . Currently, since I am unable to access the login <em>features</em> of the website, I am unable to use the online payment <em>features</em> of the website, in addition to not being able to download documents. I am told that I am not the only  XXXX  experiencing this problem."]},"sort":[12.018984,"2543056"]},{"_index":"complaint-public-v1","_id":"8624731","_score":11.987673,"_source":{"product":"Credit card","complaint_what_happened":"I opened a credit card with Synchrony bank. After paying my balance in full I requested that they close my account and delete all my private information. They replied to my message saying, \" ... At this time, we are unable to remove your XXXX from the Synchrony Account Manager platform. We are continually updating account features, and will keep you informed if this option becomes available. We value your input and hope you continue to enjoy the available features. '' As if this was some sort of feature they had no built out yet?! After threatening them with reporting them to the CFPB they then backtracked and said they were going to escalate this with their 'corporate office '.\n\nSo they need to escalate this to their corporate office to\ncomply with a legal requirement per California law, as mentioned in the CFPB : \" ... state law generally requires banks or credit unions to close your account in a reasonable amount of time ... '' So they are intentionally making it hard for users to close under the premise that it is a feature that has not yet been implemented. If they build out an online application they have to make sure they look at all the legal surrounding it so you are not missing features that are legally required.","date_sent_to_company":"2024-03-25T18:06:24.000Z","issue":"Closing your account","sub_product":"Store credit card","zip_code":"92054","tags":null,"has_narrative":true,"complaint_id":"8624731","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2024-03-25T17:44:33.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["If they build out an online application they have to make sure they look at all the legal surrounding it so you are not missing <em>features</em> that are legally required."]},"sort":[11.987673,"8624731"]},{"_index":"complaint-public-v1","_id":"6646233","_score":11.9792385,"_source":{"product":"Checking or savings account","complaint_what_happened":"https : XXXX USBANK states mobile deposits are available. but usbank states the features are unavailable.","date_sent_to_company":"2023-03-04T02:26:09.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"92404","tags":null,"has_narrative":true,"complaint_id":"6646233","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2023-03-04T02:14:07.000Z","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 accessing account"},"highlight":{"complaint_what_happened":["https : XXXX USBANK states mobile deposits are available. but usbank states the <em>features</em> are unavailable."]},"sort":[11.9792385,"6646233"]},{"_index":"complaint-public-v1","_id":"6522858","_score":11.976572,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XXXX XX/XX/2023, money transfer features including XXXX was unavailable for use with Discover Bank checking account. Online app showed some features are temporarily unavailable. Bank representative on the phone failed to specify the time for outage - hours, days or weeks? She just said this is unplanned and that a better answer is not available, not even an estimate. This is unacceptable as money transfer abilities on my own accounts is essential for me, and it is concerning as in the past their XXXX option had been down for weeks. I would like at the very least for Discover Bank to respect the customer enough to provide an estimated timeframe.","date_sent_to_company":"2023-02-05T16:34:28.000Z","issue":"Other service problem","sub_product":"Domestic (US) money transfer","zip_code":"20878","tags":null,"has_narrative":true,"complaint_id":"6522858","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2023-02-05T16:26:18.000Z","state":"MD","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["On XXXX XX/XX/2023, money transfer <em>features</em> including XXXX was unavailable for use with Discover Bank checking account. Online app showed some <em>features</em> are temporarily unavailable. Bank representative on the phone failed to specify the time for outage - hours, days or weeks? She just said this is unplanned and that a better answer is not available, not even an estimate."]},"sort":[11.976572,"6522858"]},{"_index":"complaint-public-v1","_id":"3354019","_score":11.971822,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I asked Toyota Financial Services for refunds on prepaid services on my XXXX XXXX XXXX. The Dent Care and Tire Care features were prepaid to them when I purchased the truck. The company said that if in the future I wanted to cancel these features I could and the refundable monies Would Be applied to the principal of my loan. I asked for these two to be canceled and Toyota Financial applied them to my payments cancelling my automatic payment cycle and placing me into late payments status damaging my credit. I called XXXX XXXX at XXXX XXXX who claimed I was ok and everything was good. Not so!","date_sent_to_company":"2019-08-26T16:45:53.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"3354019","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TOYOTA MOTOR CREDIT CORPORATION","date_received":"2019-08-26T16:33:55.000Z","state":"CA","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["The Dent Care and Tire Care <em>features</em> were prepaid to them when I purchased the truck. The company said that if in the future I wanted to cancel these <em>features</em> I could and the refundable monies Would Be applied to the principal of my loan. I asked for these two to be canceled and Toyota Financial applied them to my payments cancelling my automatic payment cycle and placing me into late payments status damaging my credit."]},"sort":[11.971822,"3354019"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":48361,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":27111},{"key":0,"key_as_string":"false","doc_count":21250}]}},"product":{"doc_count":27111,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card or prepaid card","doc_count":12940,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":11466},{"key":"Store credit card","doc_count":1447},{"key":"General-purpose prepaid card","doc_count":14},{"key":"Government benefit card","doc_count":10},{"key":"Gift card","doc_count":2},{"key":"Payroll 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