{"took":399,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":57,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"14880538","_score":13.562662,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/year> Monthly credit reports and score is paid for with paid membership I have paid membership number Member ID XXXX Membership plan Experian Premium : $ XXXX They change it from monthly to 90 days and now charge XXXX dollar to get monthly even though I already paying or this service. \n\n============================ Skip to main content XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX chat Your account Manage your account info, settings and membership details. \nYour benefits Recurring privacy scans and help removing info Subscription Cancellation Bill Negotiator Daily Experian Credit Report and FICO Scores 3-Bureau Credit Monitoring & Alerts FICO Score Tracker FICO Score Planner Experian CreditLock with Alerts Dark Web Internet Surveillance Alerts Up to {$1.00} XXXX Identity Theft Insurance Dedicated Fraud Resolution Support Lost Wallet Assistance Social Security Number Trace Alerts Change of Address Alerts Court Records and Bookings Alerts Non-Credit Loans Alerts Sex Offender Registry Alerts Social Network Monitoring Alerts Identity Validation Alerts this is NOT what I paid for I paid for monthly reports and scores : Quarterly 3-Bureau Report and FICO Scores Services Overview Credit Overview Money Overview How Lenders See You Protection Credit Cards Loans Auto Insurance Tools Experian Boost Experian CreditLock Score Planner Score Simulator Security Freeze Support Help Center Get the free Experian app : Follow us : Contact Us 2025 Experian. All rights reserved. \nExperian and the Experian trademarks used herein are trademarks or registered trademarks of Experian Information Solutions , Inc., XXXX , Inc. or its affiliates. Other product or company names mentioned herein are the property of their respective owners. Licenses and Disclosures. \n\n================================ You have an active Experian Premium membership, which includes monthly reports. If you're not receiving them, it might be due to a technical issue. \n\nYou can check your membership details and update your preferences here. If the issue persists, you might want to contact Experian customer support at XXXX for further assistance.","date_sent_to_company":"2025-07-25T17:28:35.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"91942","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"14880538","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-25T17:14:51.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":[". \n\n============================ Skip to main content XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX chat <em>Your</em> account <em>Manage</em> <em>your</em> account info, settings and membership details."],"issue":["Unable to get <em>your</em> credit report or credit score"],"sub_issue":["Other problem getting <em>your</em> report or credit score"]},"sort":[13.562662,"14880538"]},{"_index":"complaint-public-v1","_id":"2913064","_score":13.261284,"_source":{"product":"Checking or savings account","complaint_what_happened":"Hello All, I travel for business and was in XXXX for the last two weeks working with a client. Unfortunately, somewhere between Thursday evening XX/XX/XXXX and Friday morning XX/XX/XXXX I lost my debit card. I called USAA first thing Friday morning upon noticing that the card was missing. I also while on hold checked my phone app to see if there was any fraudulent activity. Thankfully there was none. The USAA rep asked me if I would like the card expedited to me. I said absolutely. I was flying home that day and now was traveling without access to my funds. Figuring I could make due I made my way home to my family. I thankfully have a joint account with my wife, so I transferred money to her account and we took out cash for the weekend. I vigilantly checked my account for fraud. I did not see any unauthorized activity. However, my sons School lunch program deducted their scheduled payment and XXXX deducted a scheduled payment both using my supposedly cancelled card. Monday comes, and I receive my new card. I open it up and being a security consultant for many years my heart sunk. They had issued me the same card number, expiration date, and csv ... .in other words a copy. I called USAA immediately upset and concerned about a lot of things. Some of those concerns included : They left a card reported lost active for 3 days should they manage my money? How many more days till I can use my account again and have full access to my money? If I didnt share an account with my wife, and she not have a card tied to it I may not have been able to buy formula due to lack of access to my money ... .my kiddo would have starved? Is this happening to others less fortunate then me? who else is the incompetency of this department hurting? Exposing? The first USAA employee I spoke to I immediately warned that I am quite upset and why. I then decided I didn't want to bite off the head of someone that low on the totem pole, I requested to speak to a supervisor. The supervisor comes on. I inform the supervisor of the situation and receive zero empathy or remorse of leaving my family exposed and without access to their money. I then request to speak to that supervisors supervisor. Third person is the first person who even sounds concerned. None of them however went ahead and killed the card until I requested it. 3 employees all made aware of a card that's been left active that shouldn't have been and I am the one informing them to kill the card. I am the one having to explain why this is bad. I have normally had good experiences with USAA, but I now do not know that my money is safe. Not looking for anything other than that you the federal over-site checks to ensure that the lost and stolen card department is doing their jobs. Especially when it comes to keeping my money safe and other familys money safe. Lastly, they should be notifying customers of the cancellation and issuance of cards dont you think? Not once did i receive notifications through there app, even to let me know of the cancellation of the card. Credit Card debit card Copy attacks happen every day. Shouldnt a bank be concerned and doing everything to keep that from happening? Thank you for your time!","date_sent_to_company":"2018-05-21T18:43:25.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"80918","tags":"Servicemember","has_narrative":true,"complaint_id":"2913064","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2018-05-21T17:56:59.000Z","state":"CO","company_public_response":"Company believes the complaint is the result of a misunderstanding","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Thank you for <em>your</em> time!"]},"sort":[13.261284,"2913064"]},{"_index":"complaint-public-v1","_id":"17583567","_score":13.178692,"_source":{"product":"Checking or savings account","complaint_what_happened":"CFPB CONSOLIDATED ENFORCEMENT & LITIGATION HOLD Subject : FINAL DEMAND : WILLFUL SYSTEMIC FRAUD ( Post-Dating/SSDI Theft ) & ILLEGAL RETALIATION Targeting Federal Funds I. SYSTEMIC FRAUD & MALICIOUS INTENT : My 15 years as a XXXX Operations Specialist confirms BoA is engaged in willful, systemic misconduct designed to frame me and defraud other consumers. This is documented across XXXX prior CFPB filings. \nA. The Fraudulent Dating ( Willful Reg E Evasion ) : BoA has purposely post-dated claims ( doing this for a second time ) to illegally delay the Regulation E ( Reg E ) investigation clock. This shrinks the consumer 's reporting window and denies claims on statutory deadlinesa systemic fraud costing Americans billions in denied claims. \nB. Calculated Financial Abuse ( The Contradiction ) : BoA had a {$1700.00} XXXX deposit in my account on XX/XX/XXXX. BoA willfully reversed the -\\ {$970.00} debt against these protected federal funds ( XX/XX/XXXX Reversal ), forcing the account negative. They then denied the unrelated +\\ {$39.00} return days later, explicitly citing \" there isn't enough money in your account ''. This proves they pick and choose which outcomes benefit the bank 's liability, a direct abuse of regulatory trust. \nC. Misclassification & Framing ( The Setup ) : BoA is classifying my Reg E Fraud claim ( unauthorized EFT/Identity Theft ) as a low-priority billing dispute to prevent proper investigation. The intent is to make it appear that I can not manage my account, thereby justifying the future seizure of my XXXX benefits. \nXXXX. ILLEGAL RETALIATION & CRIMINAL NEXUS : BoA engaged in illegal retaliation ( CFPB ID XXXX ) by reporting a technicality to the XXXX in direct response to my filing, deliberately disrupting my protected XXXX federal benefit funds. \nXXXX. IMMEDIATE DEMANDS & LITIGATION HOLD : A. Account Honeypot : BoA must immediately place a FULL FREEZE on my account that ALLOWS DEPOSITS/CREDITS TO POST, but SHOWS ALL DEBITS/TRANSFERS WHILE BLOCKING ANY MONEY FROM LEAVING THE ACCOUNT. This is necessary to track the suspected insider fraud. \nB. Funds Withdrawal : I will appear at a BoA branch on [ Date : The XXXX ] to perform a physical withdrawal of remaining funds before transferring the account to a new institution. The account must remain frozen to outbound transactions until the federal investigation concludes. \nC. Record Retention : BoA is hereby issued a formal LITIGATION HOLD NOTICE to preserve all records ( phone calls, emails, claims files, and internal SAR records ) for the impending Class Action Lawsuit and the active investigations by the FBI/IC3, SSA OIG , and State Attorney General 's Office.","date_sent_to_company":"2025-11-28T03:50:41.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"30143","tags":null,"has_narrative":true,"complaint_id":"17583567","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-11-28T03:40:15.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["They then denied the unrelated +\\ {$39.00} return days later, explicitly citing \" there isn't enough <em>money</em> in <em>your</em> account ''. This proves they pick and choose which outcomes benefit the bank 's liability, a direct abuse of regulatory trust. \nC. Misclassification & Framing ( The Setup ) : BoA is classifying my Reg E <em>Fraud</em> claim ( unauthorized EFT/Identity Theft ) as a low-priority billing dispute to prevent proper investigation."]},"sort":[13.178692,"17583567"]},{"_index":"complaint-public-v1","_id":"9528946","_score":12.829035,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"A comprehensive analysis of fraud prevention suggests that by processing atypical, non-routine transaction(s), and/or by being aware of other fraudulent schemes similar to the one alleged herein and/or ignorance of obvious warning signs of fraud, it appears that several payment transfers have slipped through and enabled the commission of a fraud that resulted in my financial and XXXX  damages. The facts and details concerning the actions in question are set forth below. Description of the Incident. On or about XXXX XXXX XXXX  until XXXX XXXX XXXX I fell victim to a \nmultilayered scam operation orchestrated by yelp-us.com (the XXXX  clone), with \nthe design, development, manufacture, promoting, marketing, distribution, \nlabeling, and/or sale of illegal and outright fraudulent investment services,\" all of \nwhich aim at contributing to the goal of robbing and defrauding clients, through a \npredetermined cycle of client losses to gains. Money was transferred from my account \nvia bank wire and through an intermediary named XXXX  and XXXX  in the total amount of 60,400.00 USD utilizing BOA services. I respectfully filed a Complaint against the Bank, an internationally recognized and respected financial institution. The Complaint meticulously states several recognized and viable causes of action, inter alia, negligence, breach of implied contract and other similar claims for which I seek damages, as well as attorneys fees and costs, to the fullest extent permitted by law.\nThe allegations contained herein are predicated upon personal knowledge, and upon facts obtained through investigations or analyses conducted by qualified third parties and media reports. I strongly believe that substantive evidence in support of the allegations set forth herein will be found after an appropriate opportunity for discovery.\nI am a victim of an incredibly sophisticated investment fraud scheme, where crooks\nsystematically disguise themselves as a legitimate and trustworthy entity in order to\nillicitly exploit the vulnerabilities of unsuspecting investors and con them out of their \nmoney.\nIt is impossible not to conclude, therefore, that Bank of Americas actions and/or\ninactions, as described in this Complaint, were unfair and deceptive, in that it did nothing to protect me from falling victim to immoral, unethical, oppressive, unscrupulous, and substantially injurious fraud. Bank of America Falsely Markets its Financial Services as Safe and Secure, Omits Key Information Concerning the Enormous Risks and Threats Posed by Large-Scale Frauds COMPLAINT FOR DAMAGES AND OTHER RELIEF DEMAND FOR RESOLUTION OF FINANCIAL DISPUTE and Scams, and Misrepresents the Scope, Magnitude, and Effectiveness of its Anti-Fraud Controls and Fraud Detection Efforts\nImportantly, however, I contend that Bank of America actively misrepresents and omits\nto disclose material facts surrounding the right of accountholders to recourse, \nreimbursement or protection in the event of a scam.  According to the advertising material of three major US banks: BofA conspicuously touts their security as a reason to use their service. Specifically, BofA writes on their website: Our policies, procedures and protections are always evolving to stay ahead of new strategies used by fraudsters. BofA goes on to say: We have multiple layers of security in place to protect clients, employees and our company. We have a sustainable cybersecurity program built on accountability and consistency. Further, BofA publicly states:Bank of America's award-winning Online Banking service incorporates industry-leading safety features that give you greater security and peace of mind as you manage your money. Taking some common-sense steps to help protect yourself adds an extra layer of protection to your online experience.(XXXX/ Specifically, XXXX writes on their website:\nXXXX XXXX  is consistently enhancing our security measures and identifying new and\nemerging threats to help keep your accounts and information secure. XXXX goes on to say: 24/7 Fraud Monitoring We help keep your money safe by monitoring your accounts and may contact you if we detect unusual activity.  If your banking behavior differs from your usual activity, we may send you an access code to confirm your identity, prevent certain types of transactions, or restrict account access (including card declines). We may require further proof of identity before we restore your online access. AXXXX XXXX XXXX, it is our top priority to protect your assets and information from\nincreasing fraud and cybercrime threats. If you believe you may have been a victim of\nfraud, speak with your XXXX XXXX team immediately.\n(XXXX); Further, XXXX  writes on their website:\nSuspicious activity We monitor your XXXX  profile to help us detect fraud as early\nas possible and We might call you if we notice a change in your online activity. It goes on to say If we can't reach you, we might place a temporary hold on your online activity and We work with some financial websites and apps to give you control of your financial information and to keep it safe and private.\nBank of America has a duty not to misrepresent the efficacy of the protective steps it \npurportedly takes to ensure the safety and security of customer funds. This entails that \nrather than propagating half-truths and heavily misleading statements in its marketing \nmaterial, Bank of America must clearly and prominently disclose: a) the entire spectrum \nof threats posed to its customers in todays complex landscape, including the scam \nreferred to herein; and b) the associated protections adopted to counter each respective threat. In the age of digital banking and artificial intelligence, accountholders reasonably and justifiably expect their entrusted financial institution to have in place robust measures and systems to prevent and detect scams efficaciously. This is not surprising, since at all times material to the various transaction(s) and interactions involved in this Complaint, Bank of America provably advertised to its customers that it took proactive steps to safeguard their financial interest. Bank of Americas dubious marketing tactics alleged herein arguably constitute deceptive acts or practices proscribed by the applicable UDAAP laws and regulations mentioned above. \nI significantly relied on Bank of America's misrepresentations and material omissions. \nSpecifically, I was completely unaware that Bank of America would flatly refuse to cover \nfraudulently induced transactions such as the ones at issue here. Had I known the truth \nabout Bank of Americas policies and business acts complained of herein, I would not \nhave placed confidence in Bank of America and would not have continued to carry my \ndeposits there.\nTo add an other financial Institution that was used in this attempt to obtain funds for me, was XXXX, where they have worked with me and were able to give me 95% of my funds. May I add how they were  more cautious in this type of scam and warned against it, than BOA. They were more sincere and did more of a due diligence than BOA.","date_sent_to_company":"2024-07-16T19:57:02.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"08807","tags":null,"has_narrative":true,"complaint_id":"9528946","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-07-16T18:56:30.000Z","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":["Further, BofA publicly states:Bank of America's award-winning Online Banking service incorporates industry-leading safety features that give you greater security and peace of mind as you <em>manage</em> <em>your</em> <em>money</em>. Taking some common-sense steps to help protect yourself adds an extra layer of protection to <em>your</em> online experience."],"product":["<em>Money</em> transfer, virtual currency, or <em>money</em> service"],"issue":["<em>Fraud</em> or scam"]},"sort":[12.829035,"9528946"]},{"_index":"complaint-public-v1","_id":"11100695","_score":12.457155,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Trans Union is discriminating against me based on my race. The company is reporting my credit report over XXXX points lower than the other agencies. I have no collections, owe no money to anyone, and my score is decreasing daily. This XXXX agency is negatively impacting my financial life. They are also reporting direct lies and contradicting information. \n\n\n\n\nScore Factors XXXX XXXX XXXX XXXX XXXX Factors XXXX XXXX, these are the factors impacting your XXXX XXXX XXXX XXXX. \n\nBased on your credit report data, this is a depiction of your credit worthiness. There are several factors taken into account that help determine your XXXX XXXX. The factors making the largest impact are listed below. Remember that these factors vary in how strongly they impact your XXXX XXXX. XXXX XXXX provides both positive and negative factors. \n\nHow You Compare ( National Average ) TransUnion ( XXXX ) XXXX XXXX XXXX ( XXXX ) Experian ( XXXX ) D XXXX C XXXX B XXXX A XXXX Positive Score Factors Total of all balances on bankcard or revolving accounts is not too high.\n\nBankcard accounts include credit cards and charge cards from a bank and are frequently revolving accounts. Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. The total of your balances on your open bankcard or revolving accounts, compared to the credit limit amounts, is not too high which has caused your score to improve. \n\nWhat You Can XXXX Keep low balances on your accounts ; this will benefit your score. \n\nReported by : XXXX Few or no installment accounts with delinquent or derogatory payment status. \nAn installment account is one with a fixed monthly payment for the life of the loan. Auto loans and student loans are common examples of installment loans. Paying your bills on time improves your score. You have paid all your installment loans on time or no more than 30 days late. \n\nWhat You Can XXXX Keep paying bills on time every month since it is important to maintaining a good XXXX XXXX. If you remain behind with any payments, bring them current as soon as possible, and then make future payments on time. \n\nReported by : XXXX Balances on bankcard or revolving accts not too high compared to limits. \nBankcard accounts include credit cards and charge cards from a bank and are frequently revolving accounts. Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. Your balances on bankcard or revolving accounts are not too high compared to the credit limit amounts, which causes your score to improve. \n\nWhat You Can XXXX Keep low balances on your accounts ; this will benefit your score. \n\nReported by : XXXX You have few or no accounts that were opened recently. \nNone or only a few of your accounts were recently opened. As a result, your history of credit management performance is enough to demonstrate responsible behavior. \n\nWhat You Can XXXX Keep using your existing credit responsibly and make your payments on time. Your XXXX XXXX will benefit as you make payments on time and manage the accounts in a responsible fashion. Manage your credit wisely by planning ahead for your credit needs and avoid applying for more credit than you need. \n\nReported by : XXXX Your credit file has enough history on your use of installment loans. \nAn installment account is one with a fixed monthly payment for the life of the loan. Auto loans and student loans are common examples of installment loans. A credit file with sufficient accounts and credit history, including installment loans, reflects more experience in handling credit. More experience can have a positive impact on your score. \n\nWhat You Can XXXX Maintaining open and active credit accounts in good standing can help improve your credit score. \n\nReported by : XXXX XXXX or more of your accounts were paid on time in recent months. \nPaying your bills on time improves your score. Recently at least one of your accounts was paid on time. \n\nWhat You Can XXXX Keep paying bills on time every month since it is important to maintaining a good credit score. If you remain behind with any payments, bring them current as soon as possible, and then make future payments on time. \n\nReported by : XXXX There are no or only a few recent delinquencies on your accounts. \nA delinquency is a payment that was made 30 or more days late. You have had no or very few delinquencies recently which has caused your score to improve. \n\nWhat You Can XXXX Keep paying bills on time every month since it is important for maintaining a good credit score. If you remain behind with any payments, bring them current as soon as possible, and then make future payments on time. Over time, this will have a positive impact on your score. \n\nReported by : XXXX You have few or no unpaid collection agency accounts. \nSome collection agencies report account information to credit bureaus just like lenders do. Your credit file has no or few accounts that have been sent to a collection agency and remain unpaid, which increases your score. \n\nWhat You Can XXXX Satisfy all collection accounts and pay all other accounts on time each month. The impact that negative items such as collections accounts have on your credit score will diminish over time. \n\nReported by : XXXX Negative Score Factors The date that you opened your oldest account is too recent. \nYour oldest account is still too recent. A credit file containing older accounts will have a positive impact on your credit score because it demonstrates that you are experienced managing credit. \n\nWhat You Can DoXXXX Don't open more accounts than you actually need. Research shows that new accounts indicate greater risk. Your score will benefit as your accounts get older. \n\nReported by:XXXX Lack of sufficient credit history. \nYour credit file does not contain enough information about your use of credit. A credit file with older accounts and/or more accounts reflects more experience with handling credit and can have a positive impact on your credit score.\n\nWhat You Can Do14 Maintaining open and active credit accounts in good standing can help improve your credit score. \n\nReported by:1XXXX Lack of sufficient relevant real estate account information. \nA real estate loan can be a first mortgage, a home equity loan, or home equity line of credit. The XXXX credit score model relies on information in your credit files at the three national credit reporting companies ( XXXX, XXXX and TransUnion ) to generate your score. Your credit file does not contain enough credit behavior information about your real estate accounts. A mix of different types of open and active credit accounts, including real estate loans, can have a positive impact on your credit score. \n\nWhat You Can DoXXXX Maintaining open and active credit accounts in good standing can help improve your credit score. \n\nReported by:XXXX You have too many inquiries on your credit report. \nIf a lender runs a credit check when you apply for credit, an inquiry is reported to the credit bureaus. This can lower your score a small amount, typically by XXXX to XXXX points. The XXXX XXXX XXXX model takes rate shopping, e.g., for a mortgage or car loan, into consideration. All inquiries for mortgages, auto loans and major credit cards that appear in your credit file within a XXXX window are interpreted as a single inquiry. Another time inquiries never count against your score is when you check your own credit or obtain your own credit score. \n\nWhat You Can DoXXXX Apply for credit only when you need it. If you are approved for credit, the small score drop from making an inquiry will disappear within a short time and the score will quickly benefit if you make on-time payments and manage your new account in a responsible fashion. \n\nReported by:XXXX You have too many delinquent or derogatory accounts. \nYou have had too many accounts with payments that are at least 30 days late and/or on which a lender has reported a derogatory status. Late payments are a proven indicator of increased risk. People with late payments are at risk of being overextended, putting existing credit with lenders at risk. \n\nWhat You Can DoXXXX Paying bills on time every month is important to maintaining a good credit score. If you remain behind with any payments, bring them current as soon as possible, and then make future payments on time. Over time, this will have a positive impact on your score. \n\nReported by:XXXX The balances on your accounts are too high compared to loan amounts. \nThe balances on your accounts are high compared to the original loan amounts, lowering your score. \n\nWhat You Can DoXXXX Paying down the balances on your accounts will benefit your score. \n\nReported by:XXXX Additional Information The XXXX XXXX XXXX XXXX XXXX to help you better understand how lenders view your credit report. It is not an endorsement or a determination of your qualification for a loan. Lenders use credit scores to help determine whether or not you are a good candidate for a loan and what interest rate you will pay. However, each lender has specific underwriting standards, so you should not assume that you will receive the same evaluation from each lender. As part of the underwriting process, they will incorporate additional information you provide and may obtain references. In addition, even if you are approved, the terms and conditions of loans vary from lender to lender. The information used to determine your credit score comes from one of the three major credit bureaus - TransUnion, XXXX and XXXX. Credit reports are a compilation of credit information that is reported to the applicable bureau by the various lending institutions with which you have accounts. The information contained in your report reflects the latest information provided to the applicable bureau. If you recently made a payment, opened a new account, or authorized an inquiry, it may not yet be reflected in the credit report of any one of the bureaus you receive. Likewise, if the information is not included in the applicable credit report it will not be reflected in your credit score based on such report. Also, disputed items are not incorporated in the assessment of your credit score. Your credit score may change each time new information is captured in the credit report on which it is based. TransUnion Interactive is not connected in any way with XXXX, XXXX and XXXX ; the credit scores provided here are not so-called FICO scores. The XXXX XXXX XXXX XXXX not be identical in every respect to any consumer credit scores produced by any other company. \n\n\nHome XXXX XXXX Account Preferences Message Center, you have XXXX unread messagesXXXX Your Credit Your Identity YOUR FEATURED SAVINGS OFFERS Welcome, XXXX XXXX XXXX XXXX updated XX/XX/year> This is aXXXX  XXXX score using XXXX data. \nXXXX points Since XX/XX/year> Your XXXX XXXX will refresh when you sign in, up to once daily. \nView credit score details XXXX Credit Report Status Your XXXX credit report is not frozen or locked. \nManage a freeze or a lock You don't have an active duty or fraud alert in place. \nPlace an alert XXXX Credit Report Summary Total lines of credit XXXX XXXX XXXX 64 %","date_sent_to_company":"2024-12-10T18:21:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"80207","tags":null,"has_narrative":true,"complaint_id":"11100695","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-10T18:10:59.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>Manage</em> a freeze or a lock You don't have an <em>active</em> duty or <em>fraud</em> alert in place. \nPlace an alert XXXX Credit Report Summary Total lines of credit XXXX XXXX XXXX 64 %"],"issue":["Incorrect information on <em>your</em> report"]},"sort":[12.457155,"11100695"]},{"_index":"complaint-public-v1","_id":"9050359","_score":11.165669,"_source":{"product":"Credit card","complaint_what_happened":"In XXXX I paid {$2500.00} to be a part of the XXXX XXXX XXXX - a XXXX group for entreprenuers. XXXX was a guest presenter and a money mindset coach and touted as a financial guru by multiple women in this group. Some of these women began working with XXXX right away with a program that guaranteed returns. One woman inparticular XXXX XXXX showed her success working with him by sharing photos of her many vacations, evenings with XXXX XXXX and XXXX XXXX. Following this many others from this group joined XXXX 's program throughout the year and I signed a contract ( after getting answers to my questions that provided relief that while the money was a lot to get started, a contracted {$10000.00} it came with a turn around of XXXX NET by the end of the first year. With questions about worst case scenario I was told that XXXX would buy my store back from me, that I owned the stores and that I could in theory have somebody else manage them. I signed a contract with XXXX XX/XX/XXXX. Shortly after paying XXXX the XXXX he told me I needed to fund the stores he was setting up for me. It was a bit unclear how this all worked and I was reassured at every stage that things were in transition ( my best understanding was that XXXX just hired a team because he could no longer manage it all himself and therefore the team was getting caught up to speed. ) This was the reason, I believed, I was so involved at the beginning- ie. though they were to handle everything other than a few administrative things at the beginning- it was why I had to track all of my own accounts ... .except for that never changed. I was told to get as much money to invest early on because it got harder with time. So I did. The funding took a few months and on XX/XX/XXXX XXXX XXXX charge my NFCU credit card for {$5000.00} using his XXXX merchant name and {$4000.00} using his merchant name XXXX. This was said to be for ecommerce- specifically my XXXX  store. Though again, \" everything 's included '' it really was not. I began having concerns quite soon after I approved the last big of funding ( totalling XXXX in debt on multiple credit cards at this point with XXXX remaining on one card- for what they said would be used later on. ) All of my concerns weren't reassured and they went from reassuring me that things would be happening soon, to changing all of the terms I had agreed to ( they no longer were able to pay my monthly minimums- though agreed to until i began generating XXXX/month, they claimed that they had been the victims of fraud themselves and therefore i would not be paid until they won lawsuits. XXXX began threatening myself and others that he would sue us if we were to take any action against him. His team became passive aggressive when I refused to go for more funding, they claimed that they had no money to buyback my stores as promised and ultimately that I couldn't actually operate my stores alone. ) Early on I helped set up my XXXX store but then could not find it as active and saw only a few items ever added to the page- still not active. I had to alert them that it looked inactive... but that never changed. Eventually it was closed altogether for being noncompliant with policy and I had not received any returns, as contracted. It seemed clear to me that XXXX XXXX and his team did not provide a service, nor ever intended to meet the terms of my contract. By XX/XX/XXXX they ( XXXX 's team ) told me via our primary mode of communication that there was no way that they would meet the contracted XXXX by the end of the year. EssentIally it was not their fault and there were not willing to do anything about it. I offered/requested financial mediation to why they did not respond. I began my credit card disputes on many different accounts in XXXX of XXXX. XXXX had split my funds using multiple merchant names on each card to make each dispute an individual claim, both confusing and time consuming for myself AND the banks. NFCU denied my claim for a dispute. I called and asked to open a dispute with these circumstances and they said that I could not. The charges were over a year old and they refused to open a dispute. I asked for a supervisor but ultimately they said a dispute couldn't be opened- regardless of the circumstances of my case. I have continued to get bills and offers from Navy federal credit union since attempted to dispute these claims which shows how irresponsible they have been as an institution, in my not so humble opinion. I am a responsible person. A hard worker and financially I have always repaid my debts and been held accountable for my choices, however, near the year mark of my contract date ( XX/XX/XXXX, XXXX the date which I felt I needed to wait to submit claims that the contract was not made to be compliant ) I learned through other members that XXXX XXXX was also known as XXXX XXXX and had been in XXXX  in the XXXX for scamming churchgoers. If NFCU and the other banks did a quick search they could see that this is a fraudster who has recreated his scam to target entrepreneurs and particularly health and wellness entrepreneurs who are open to holistic practices- such as manifestation. He has positioned himself as a professional in the financial world having written for forbes, entrepreneur, being on countless news shows, podcasts and presenting himself as a successful business owner. He has over 25 people who have experienced this fraud and lost hundreds of thousands of dollars. I know of 1 in current litigation with him. I know of countless people terrified of him and unwilling to speak out. A search by the FDIC could change that .... he and his many businesses have multiple disputes both from myself and others and if somebody would take the time to coordinate this search, I, a XXXX XXXX in XXXX Vermont committed to the betterment of society and contributing the the economy through hard work and grit, as well as many other genuinely good people who find some resolve to these hardships that this awful man has designed to better only himself. He is still out there marketing his programs for passive income to others and this will not stop unless he lacks the resources ( aka- my money as well as that of others ) to sustain the lifestyle he presents, which is one of luxury all due to the risks he takes and the money mindset he holds, which he uses to manipulate others into adopting, nonetheless, through giving him significant amounts of money. Please investigate my case, search XXXX XXXX XXXX XXXX XXXX and his multiple businesses and hold him accountable for his scamming activity. This is a matter of consumer protection and one that I feel banks need to take seriously and the FDIC should be aware of. I have a plethora of documentation and a XXXX drive folder I am happy to provide upon request. The other banks involved in my case are XXXX, XXXX XXXX  ( currently trying to get money back from XXXX bank after corporate fraud favored with me ), XXXX. Many have favored with me while some are pending- I am happy to share that information as well. Thanks for your consideration.","date_sent_to_company":"2024-05-20T15:59:23.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"050XX","tags":null,"has_narrative":true,"complaint_id":"9050359","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-05-20T14:19:45.000Z","state":"VT","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["The other banks involved in my case are XXXX, XXXX XXXX  ( currently trying to get <em>money</em> back from XXXX bank after corporate <em>fraud</em> favored with me ), XXXX. Many have favored with me while some are pending- I am happy to share that information as well. Thanks for <em>your</em> consideration."],"issue":["Problem with a purchase shown on <em>your</em> statement"],"sub_issue":["Credit card company isn't resolving a dispute about a purchase on <em>your</em> statement"]},"sort":[11.165669,"9050359"]},{"_index":"complaint-public-v1","_id":"3688274","_score":11.025921,"_source":{"product":"Checking or savings account","complaint_what_happened":"While investigating the reason as to why a hold was put on my active joint checking account, I discovered numerous unauthorized charges related to my closed individual accout. My wife and I were married in XX/XX/XXXX after which we opened a joint account. The problems related to this matter concern my individual account which had been closed prior to our marriage. Simply put, I was told by TD Bank that I can not dispute charges to a closed account or an open account after 60 days from the disputed charge. Nonetheless, this is not why I'm filing a compiant. I am quite sure there's some fine print in a some document that I signed upon opening my individual accout that absolves TD of any liability because the affomentioned criteria had not been met. My issue withn TD relates to their failure and lack of willingness to assist me in researching and tracking down the vendor ( s ) that fraudulently debited money from my account. \n\nNormally, when I notice a suspicioius charge on my statement there is enough information on the statement ( websight address/phone number ) that I can contact the vendor independantly and have the issue resolved. However, occasionally there has not been sufficiant info for me to research alone, and I have asked TD for their assitance. They have provided this service for me before, though I can not confirm whether or not I met the 60 day requierment at this time, and the bank established fraud and replenished all money back into my account. The problem now is that TD refuses to apply some discretion with regards to how they apply 60 day threshold rule. Is this an industry standard imposed on the banks by their regulators? I dont know the answer, but I do know that I consider the money taken from my account to be significant. This is especially true when one considers the fact that I owe arrears in child support ( thus the present hold on my account ), I am recieving unemployment/PUA benifits and that these subsidies are being garned by New York State Child Supporty Services. Additionally, my wife recently deposited her personal paycheck into our account and those funds are frozen as well. We presently have roughly {$3500.00} in the account that we have no access to. This is frustrating to say the least. This frustration could be alleviated with some cooperation from TD. At best they could wave the 60 day deadline on contested charges or at least assit me in tracking down the vendors. My last conversation with TD was on XX/XX/XXXX at XXXX with a supervisor named XXXX ( I asked for an employee ID number but she told me to cite the date and time of our conversation ), who advised me that all infomation that I neeed to contact the vendors in question was on my statement. \n\nThe charges in question took place on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In total they tally too {$2600.00}. They involve two vendors okshopservice and XXXX XXXX. In researching okshopservice, I find that the websight server can not be found and the telephone number leads to an auto message staing that the \" call can not not be completed at this time please check the number and dial again ''. When I research XXXX on the web I'm taken to a site sponcered by XXXX. The following qoute is from their website : What is XXXX XXXX is a hosting control panel with simple and secure web server, website and web apps management tools. It is specially designed to help web professionals manage web, DNS, mail and other services through a comprehensive and user-friendly GUI. XXXX is about intelligently managing servers, apps, websites and hosting businesses, on both traditional and cloud hosting. \n\nMy research led me to call TD one last time requesting more detailed vendor information which resulted in my fruitless conversation with the supervisor XXXX. I have attached statements from my closed individual checking account for your review. I am at a dead end here and would appreciate any assistance you could provide to resolve this matter. \n\nRegards, XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2020-06-08T15:17:49.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"106XX","tags":null,"has_narrative":true,"complaint_id":"3688274","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2020-06-08T13:10:13.000Z","state":"NY","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["They have provided this service for me before, though I can not confirm whether or not I met the 60 day requierment at this time, and the bank established <em>fraud</em> and replenished all <em>money</em> back into my account. The problem now is that TD refuses to apply some discretion with regards to how they apply 60 day threshold rule. Is this an industry standard imposed on the banks by their regulators? I dont know the answer, but I do know that I consider the <em>money</em> taken from my account to be significant."],"issue":["Problem with a lender or other company charging <em>your</em> account"]},"sort":[11.025921,"3688274"]},{"_index":"complaint-public-v1","_id":"13300749","_score":10.93656,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear financial protection bureau of America, I would like your help. I have had extreme financial abuse since XXXX and I know you have savvy investigators, hard-working Americans that investigate fraudulent activity, unauthorized charges and identity theft by large bank in XXXX. \n\nWe must stop the fraud that destroys wealth in XXXX. I believe we should be working hard in XXXX and creating wealth not destroying it. \n\nSince XXXX Ive been a victim of fraud, identity theft, and loss of money that I earned by very hard work and investments, by Chase Bank. I wont be able to go over every transaction but I will give you an example. \n\nOn XX/XX/XXXX I had a ATM debit from a non-Chase ATM for {$72.00} and a three dollar ATM fee by Chase Bank. As you savvy bankers know the ATM is not going to approve a {$72.00} withdrawal at a no Chase ATM. ATM withdrawals are in multiples of 20s up to $ {$500.00}. The second thing that happened on the specific transaction was the address for the transaction and where the ATM was located was in XXXX XXXX. I know for a fact, and I have many many witnesses that I was in XXXX XXXXXXXX XXXX  specifically XXXX XXXX working for a little company. Actually, I think I was working selling products on XXXX. Ive never been to XXXX XXXX in my life and of course it said it was non-Chase ATM withdrawal so they charge me three dollars. \n\nLike I said, Ive been a victim of identity theft, fraud and horrible abuse by banks especially Chase. \n\nI have hundreds of documents that your agency or agencies that you wan na contact can review and look over if you would like please just let me know what you need. I dont think I can add documents to this email. \n\n\nAnother example oh this financial abuse was in XXXX, I was XXXX XXXX XXXXXXXX with my son and there was a large amount of fraud happening on my Chase Bank account. I called it. They shut down the card. I had to have my sister and family buy me an airplane ticket and food back to XXXX XXXX. This has been going on for XXXX years or longer so when I talk about it, no one wants to hear about it and Ive been hurt and locked up in a psych ward for speaking the truth in XXXX. \n\nNo one has believed me and I have evidence in documents of this. I dont believe all banks steal money from their clients but some banks do and ChAse is a number one bank with {$3.00} trillion and theyre probably printing money in their basement lol. No the federal reserve prints money and distribute it to banks, but banks are also giving out loans. They are the ones that are building skyscrapers and renting out the space. Banks run the the world, but they also are stealing from specific clients and if you talk about it, youre locked up in mental institutions, which is really sad because I have documented proof. \n\nIve contacted the Federal Reserve I think many times and I dont know if Ive contacted the consumer finance bureau that protects American banking customers but I have contacted several agencies that are government and not had any response. I believe and I will keep reporting this financial devastation to government agencies until I am paid back and until I can regain my life. I believe I owed a couple million dollars for the pure abuse that continues to happen not to mention the {$7.00} million that has been taken from my wealth.\n\nI also know Chase Bank has {$3.00} trillion and is the richest bank in the world. I believe they set up fraud and take money out of peoples accounts and understand how it works so they also report it and other banks get fined and they collect that money to build their wealth. \n\nI understand that a bank earns money by selling their money or loaning it out, and they collect interest. But I truly believe that bank steal from banks by getting an account number and a routing number and taking money from another account via ATM withdrawals fees or false withdrawals by a company. For example, if I shop at XXXX every month, they may take an extra withdrawal from XXXX knowing that it might be me it might not be me, but they know what they do and the banks that does it reports it to a government agency and it is investigated, and there are large fines associated with it. \n\nI dont need to explain banking to your agency at this point I was going to, but I have been talking too much into my app. I just wan na your agency to know that I have hundreds of documents that you can review to see if Im telling the truth I would like Chase Bank fined, Jpmorgan Bank in XXXX XXXX that says I have an account and that Im the primary beneficiary of the account, XXXX XXXX XXXX fined And XXXX XXXX fined. \n\nI wan na apologize in advance that this is kind of a long story because its taking me a long time for me to understand banking and investigate how this continues to happen to me. Im terrified now of losing all of my money that I created and that my family created and being a XXXX XXXX  because of this horrible fraud, deception and stealing of my personal wealth. \n\nI also learned that its a XXXX year federal jail sentence for anyone that is stealing money out of a bank account and a {$1.00} million fine for the bank that is doing it or company that is doing it. I can say with 100 % certainty that Jpmorgan Chase, Bank and XXXX XXXX need to be fine large amounts of money that can go back into the federal reserve. I would like to be the one that reported its and Im thinking of telling XXXX about this Which I know the federal reserve would not like that information announced on television because it could destroy the XXXX economy. People would not feel safe putting their money into banks they would hide it under their beds and Cash. \n\nThe only thing I could think of is, I had a bank named XXXX XXXX that was managing my money in XXXX XXXXXXXX XXXX  since XXXX. I also had a bank account with XXXX XXXX XXXX XXXX and way banks can create wealth is they can take your account number and routing number-and they know all of your information and they can steal money from you and then make reports under fake or false identities and collect the large fines. \n\nI reported some of this information to the Federal Reserve a couple of years ago and Ive probably reported this to the FBI. I see XXXX and other agencies that I deemed appropriate. I do not know what agencies are really versed in severe investigations of putting Fraud to an end. Chase Bank does not want to be fined large amounts of money so it closes my accounts and shuts me down and causes me stress of looking for a new bank account so I cant report the fraud. \n\nThey also say that the fraud is invalid well I know its not invalid. Its been going on since XXXX. Maybe it was XXXX bank maybe it was XXXX XXXX XXXX XXXX maybe its XXXX XXXX or another bank stealing from another bank but bank steal from banks. \n\n\nXXXX XXXX and Chase Bank and people up high in the company know how to commit fraud, identity theft, unauthorized charges and steal money from consumers while shutting down their accounts, making them valuable to the operation. \n\n\nAnd sadly when I spoke about the banking fraud and large unauthorized charges I never received the money back and my account was shut down at Chase Bank and several other banks like I said I cant get a bank account today and I have over {$11.00} million. Thats depleting very fast. \n\n\nXXXX XXXX, they called my dad and said that I need to be institutionalized which is very sad. \n\n\nI know the consumer financial protection bureau knows banking can be extremely complicated, but I also understand that it is a process to investigate all the fraud thats going on in XXXX right now and all the unauthorized charges. Im telling you that this needs to end because Americans cant be wasting hours of their life, trying to recover money that was their earned by a job or investments. \n\nXXXX should be working creating more wealth and making XXXX a better country. We all can work harder at creating better things. \n\n\nIts funny. I have a lot of faith in the government agencies because I know theyre no XXXX and they want to protect XXXX \n\n\n\nWe have a beautiful country with a lot of organizations and I think I have reported this to the wrong organizations in the past. I understand that the federal reserve is what monitors monitory policy in the United States. \n\nAnd I could talk about the Federal reserve for hours, but Im just mentioning that right now. \n\nLike I said, a Conservatorship, of person and estate went into fact and my XXXX XXXX XXXXXXXX was doing a Fedwire into my Chase bank account and it says that Im the beneficiary of an account at Chase Bank in XXXX XXXX XXXX. I took many pictures of it whenever I try to look into that account it says I dont have an account. XXXX XXXX is my Conservator of person and XXXX collects money from my money manager and a couple years ago did fed wires into my Chase Bank account. She has to have my account number and routing number to do the XXXX. I dont know how to do a XXXX although I am a fed with the experience of banking. Ive been dealing with for XXXX years. \n\n\nHere is a picture of the fed wire Thats why Chase Bank is worth {$3.00} trillion and theyre on every corner block in the city and even in rual areas. \n\nBecause I believe theyre stealing XXXX money and shutting down the accounts if the consumer reports it and theyre also using false identities to collect fines from the government agencies that are working really hard to stop this abuse. \n\n\nXXXX XXXX XXXX is the central bank of the United States. It performs five general functions to promote the effective operation of the U.S. economy and, more generally, the public interest. The Federal Reserve * conducts the nations monetary policy to promote maximum employment, stable prices, and moderate long-term interest rates in the U.S. economy ; * promotes the stability of the financial system and seeks to minimize and contain systemic risks through active monitoring and engagement in the U.S. and abroad; * promotes the safety and soundness of individual financial institutions and monitors their impact on the financial system as a whole; * fosters payment and settlement system safety and efficiency through services to the banking industry and the U.S. government that facilitate U.S.-dollar transactions and payments ; and * promotes consumer protection and community development through consumer-focused supervision and examination, research and analysis of emerging consumer issues and trends, community economic development activities, and the administration of consumer laws and regulations.\n\nIts funny because a beautiful woman who I talk to you once in a while and I talk to her husband used to work for the Federal Reserve. Her name is XXXX XXXX. \n\nI have pictures of my bank statements that dont add up with the accounting. \n\nMy story is a true and my nightmare began then that led to a lot of horrible other things that have caused traumatic injury to myself and my lifestyle. \n\nI am seeking help from your to bureau and you are welcome at any time to review all the court documents I have I have hundreds, unfortunately. \n\nI also have hundreds of documents from XXXX XXXX where the Fraud originally started I believe. \n\n\n\nI have lost a lot of money, and I never shouldve lost this money. It shouldve been wisely and prudently invested. I live on less than {$100.00} a day, and my money has been destroyed by fraud and unauthorized charges and stealing of banks by banks. I truly believe the Professional money managers like XXXX XXXX know how to make money because that is their profession. They also know how to steal. \n\nInstead, they stole money out of my Chase account. Locked me up in mental institutions for reporting it and complaining about it every month saying I was crazy while they continue shutting down my bank accounts constantly so now I cant get a bank account when I have over {$11.00} million. I cant get a bank card. I cant get a credit card and theyve destroyed my life financially taking over {$7.00} million.\n\nThank you for taking your precious time and reading my report. I also look forward to working with your bureau to end the destruction of financial trauma in XXXX again we should be building wealth not destroying it. \n\nThank you so much. I look forward to hearing from you. \n\n\nPlease call me at XXXX. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-05-13T20:22:17.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"90069","tags":null,"has_narrative":true,"complaint_id":"13300749","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-05-02T12:46:21.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["The only thing I could think of is, I had a bank named XXXX XXXX that was <em>managing</em> my <em>money</em> in XXXX XXXXXXXX XXXX  since XXXX. I also had a bank account with XXXX XXXX XXXX XXXX and way banks can create wealth is they can take <em>your</em> account number and routing number-and they know all of <em>your</em> information and they can steal <em>money</em> from you and then make reports under fake or false identities and collect the large fines."]},"sort":[10.93656,"13300749"]},{"_index":"complaint-public-v1","_id":"16417734","_score":10.62025,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Subject : Formal Complaint Against PayPal Resolution Team Mishandling a Fraudulent Merchant Case There is a so-called merchant that I came across while I was browsing online a pop-up from them appeared, and I visited their website. I did not follow up with them or continue using the site after that. I knew it looked suspicious, so I took precautions and didnt engage further. \n\nHowever, this merchant was not a real merchant. It was a hacker, most likely located outside the United States. Their website is set up in a way that when someone visits and attempts to sign in or interact with their system, they can steal personal information without the users knowledge. \n\nThen at around XXXX XXXX, while I was asleep, this hacker used my stolen information and fraudulently took {$1.00} from my PayPal account under the false pretense of a \" trial '' charge. \n\nWhen I woke up at XXXX XXXX, I saw an invoice from PayPal saying that I paid for a trial from this so-called merchant. I had no idea this charge was going to happen, and I never authorized it. I sent a screenshot to PayPal showing that I had no further interaction with the website since that first visit.\n\nLater, PayPal sent me an email stating that the auto-payment for this merchant was canceled. I believed the issue was resolved and that I was safe from further fraudulent activity. \n\nBut today, around XXXX XXXX, I received another message from PayPal stating that my claim was denied, based on a conversation with the merchant who is a known hacker. I then contacted PayPal again to explain the situation. \n\nLet me be clear : This merchant is not located in the United States. \n\nThey do not have a real, operating website. \n\nWhen you click either on the merchant name XXXX XXXX or on the link https : //www.shoptrendmarkt.com, you get the same security warning from XXXX, stating that it is a dangerous link designed to steal personal information. \n\nIf this hacker posing as a merchant manages to take a larger sum of money from someone's PayPal account, the U.S. government will not be able to track or arrest them, because they are operating outside U.S. jurisdiction.\n\nWhen I made PayPal aware of this situation, I wasnt just protecting myself I was helping PayPal by identifying a serious threat on its platform. This should not be treated as a minor issue about money. \n\nWhile speaking with the PayPal representative, I asked them to click on the merchants website link shown inside PayPal. When they did, XXXX XXXX ( my internet provider ) immediately blocked the site and issued a warning that it is dangerous and can steal personal information. \n\nI took a screenshot of this warning and explained that the merchant is not just suspicious it is a confirmed fraudulent and malicious website. I asked the representative to close the hackers PayPal account or escalate the case to a manager who could take immediate action. \n\nInstead, I was told : The auto-payment is canceled. \n\nYou dont need to worry. \n\nOur internal security will review it, and youll receive a response in XXXX  days. \n\nThis is unacceptable. The hackers PayPal account is still active, which means they can continue to target other users just like they did to me. More people may get charged or have their data stolen. \n\nThis is not about {$1.00}. \nThis is about : A security breach Unauthorized access to my account PayPal allowing a hacker to remain active on its platform, despite receiving clear evidence Worse, when I tried to close my PayPal account, I was told that I couldnt because the dispute is still open so Im being blocked from protecting myself, while the hacker remains live on PayPal.\n\nPayPal said they spoke with the merchant ( who is actually the hacker ), and the decision was based on that conversation. Yet PayPal has not provided any written evidence of what the merchant claimed. The transaction happened while I was asleep, and I flagged it immediately after I discovered it. \n\nThe link https : XXXX is dangerous. Even the PayPal representative saw it blocked live by XXXX XXXX. Still, no action has been taken to suspend or close the account tied to that domain. \n\nWhat I Am Requesting : Immediate suspension of the merchant account tied to https : //www.shoptrendmarkt.com Escalation to XXXX management XXXX security leadership, not just a generic internal process A formal written explanation showing why my claim was denied and exactly what the so-called merchant told PayPal Assistance to close my PayPal account now, despite the dispute status A commitment that PayPal is actively working to prevent this type of fraud from harming other users This was not just a billing error or misunderstanding it was a targeted fraud attempt using PayPal as the tool XXXX And based on how this has been handled so far, it shows that PayPal is not taking this seriously enough.\n\nI have screenshots, security alerts, and records of my conversations with your representatives to support every part of this complaint. \n\nSincerely,","date_sent_to_company":"2025-10-07T16:31:26.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"11691","tags":null,"has_narrative":true,"complaint_id":"16417734","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-10-07T15:52:25.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["If this hacker posing as a merchant <em>manages</em> to take a larger sum of <em>money</em> from someone's PayPal account, the U.S. government will not be able to track or arrest them, because they are operating outside U.S. jurisdiction.\n\nWhen I made PayPal aware of this situation, I wasnt just protecting myself I was helping PayPal by identifying a serious threat on its platform. This should not be treated as a minor issue about <em>money</em>."],"product":["<em>Money</em> transfer, virtual currency, or <em>money</em> service"],"issue":["<em>Fraud</em> or scam"]},"sort":[10.62025,"16417734"]},{"_index":"complaint-public-v1","_id":"3372076","_score":10.1153965,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XX/XX/2019 Parties involved : PNC Bank Bank address : XXXX XXXX, XXXX XXXX FL XXXX Account Holder Name : XXXX XXXX PNC Bank : Account number XXXX Routing XXXX Home Address:XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL Rental Property XXXX XXXX XXXX, XXXX, CA Website : XXXX XXXX XXXX XXXX XXXX XX/XX/2019 I saw a rental listing that was identical to the scam rental I was a victim to on XX/XX/2019. I contacted XXXX XXXX XXXX regarding the rental. XXXX emailed me an identical lease as to the one that was sent on XX/XX/2019 for the rental scam. \n\nXX/XX/2019 XXXX requested a {$1700.00} deposit via bank wire to Name : XXXX XXXX Account number XXXX Routing XXXX Pnc bank Bank address : XXXX XXXX, XXXX XXXX FL XXXX Home Address:XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL Name : XXXX XXXX Account number XXXX Routing XXXX Pnc bank. \nI called PNC Bank to notify them of the fraud. I talked to XXXX in the fraud that said he will message the wire fraud department. I offered the police report and informed them that a team of individuals are committing fraud. These individuals are using US banks having Americans wire money to XXXX as rental scams. \nI want PNC Bank to investigate these accounts to help stop the fraud. \nXX/XX/2019 XXXX XXXX ( XXXX ) XXXX XXXX case number Case # XXXX Parties Involved : XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS:XXXX XXXX XXXX, XXXX , MD XXXX ACCOUNT NUMBER : XXXX ROUTING NUMBER : XXXX XXXX CODE : XXXX XXXX XXXX Resident Agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX XXXX phone # 1 ( XXXX ) XXXX XXXX Banks Headquarters XXXX XXXX XXXX , XXXX XXXX , Georgia XXXX XXXX Wire Department 1 (  XXXX ) XXXX XXXX Fraud Department 1 ( XXXX ) XXXX XXXX Headquarters XXXX XXXX XXXX XXXX  XXXX , NY XXXX Chain of Events : XX/XX/2019 my daughter XXXX XXXX began communications with XXXX XXXX XXXX on XXXX . XXXX XXXX XXXX had an ad on XXXX for an apartment. The rental was for {$850.00} a month on XXXX XXXX XXXX, XXXX, CA. XXXX lives at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX was looking for a rental in XXXX XXXX, because she is attending XXXX XXXX XXXX. XXXX XXXX XXXX gave XXXX +1 ( XXXX ) XXXX as XXXX  number to call and text. XXXX sent a XXXX message a certificate of ownership for the apartment complex XXXX XXXX XXXX, XXXX, CA, and that XXXX XXXX XXXX was the owner of the complex. This was proof for XXXX that this rental was not a scam. \n\nXX/XX/2019 XXXX told XXXX inorder to move into the apartment on XX/XX/2019 she had to wire XXXX {$1700.00} to for the apartment deposit XXXX ACCOUNT INFO ACCOUNT NAME : XXXX XXXX BANK ADDRESS:XXXX XXXX XXXX, XXXX , MD XXXX ACCOUNT NUMBER : XXXX ROUTING NUMBER : XXXX SWIFT CODE : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX. \nI wire {$1600.00} minus the wire fee of the {$1700.00} to the above account to hold the apartment in XXXX XXXX on XX/XX/2019, because my daughter told me that the rental was checked out by her. I wired the monies to the above account for the apartment. I text XXXX a copy of the bank wire receipts. I text XXXX XXXX XXXX asking for a copy of the receipt. XXXX told my daughter she will send the receipt for the bank wire on XX/XX/2019. \nOn XX/XX/2019 XXXX said she still havent received the monies from the wire transfer but she could move in on XX/XX/2019 at XXXX. XXXX said she was at work and couldnt meet us until after work at XXXX. \nOn XX/XX/2019 at XXXX we went to XXXX XXXX XXXX, XXXX, CA. There was no one there to provide keys to the apartment. XXXX did not answer the phone and did I learn when we arrived to the location, that the apartments were managed by XXXX XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX representative informed us that XXXX XXXX XXXX is not the owner. The XXXX XXXX is not associate with XXXX XXXX XXXX. At XXXX we went to the XXXX police station and filed a police report. XXXX XXXX badge # XXXX ( XXXX ) XXXX report # XXXX. XXXX XXXX Police Department Police Headquarters, Report Management Section, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, CA XXXX. After, I learned that I was scammed by XXXX XXXX XXXX and XXXX XXXX. I contact XXXX their fraud department, and the department was closed.I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. I informed XXXX of the fraudulent transaction, the representative said she will email the wire department, but I must contact my bank to start the wire recall. \nOn XX/XX/2019 XXXX said she forgot her phone in the car and will meet us tomorrow. Again no show and no call. I have repeatedly requested for the monies to be returned to us. XXXX claims she never got the money. I contacted XXXX fraud department and they referred me to call the wire department. There was nothing that the fraud department could do to help me but freeze my accounts. The XXXX wire department was closed till Monday. The wire department business hours are Monday to Friday from XXXX to XXXX. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. I told a representative at XXXX I had a police report number, the representative said they can only accept it from the police department and/or XXXX. \nXX/XX/2019 I research XXXX XXXX XXXX XXXX account. I notice she didnt have any friends on her XXXX. However, XXXX XXXX XXXX profile picture was liked by 3 people who are located in XXXX. Those individuals XXXX XXXX, XXXX, and XXXX XXXX are living in XXXX. I believe they are involved with the rental scam. I researched XXXX XXXX their agent for service is also XXXX, whom is living in XXXX. The agent for service for XXXX XXXX is XXXX XXXX located XXXX XXXX XXXX XXXX XXXX, MD XXXX. XXXX XXXX is still active. I have XXXX XXXX, names and profiles of all parties involved. I have the XXXX Tax ID for XXXX XXXX. I learn that XXXX doesnt have a bank in XXXX. My research on rental scams work by having individuals in the US pick up the money, keep a percentage and wire the rest to XXXX. I contacted the wire department 1 ( XXXX ) XXXX. The representative from the wire department informed me, that in 24 to 48 hrs they would process the bank wire recall. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. XXXX representative said they will need a Hold Harmless letter from XXXX. \nXX/XX/2019 I contacted the wire department and there was no update. I informed the XXXX Wire department that XXXX is going to request a Hold Harmless Letter. The representative informed me not to worry they will take care of it, they know what they are doing and its still being processed. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. \nXX/XX/2019 I contacted the XXXX wire department. A representative told me, Im ma'am but the bank recall was denied by the other bank. There is nothing we can do. I ask to speak to a manager. After 30 minutes of being on hold, I was transferred to manager XXXX. XXXX said he will escalate the case their investigators because XXXX is requesting a Hold Harmless letter. XXXX said, It doesnt seem like they want to return the money. I informed XXXX that the account was still open and the funds are in the account. XXXX said an investigator will call me within XXXX to 48hrs. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. \nXX/XX/2019 I called XXXX wire department to inform them that I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. I offered the police report number to XXXX, but they refused. No update from XXXX wire department on when the investigator will call me. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. \nXX/XX/2019 XXXX claims she is not giving me back my money because I contacted her bank ( XXXX ). She reports that XXXX closed their accounts. I reported the incident to the FBI. \nI had a missed call at XXXX, ( which is outside normal business hours ). I called back the number, which was the same as the XXXX wire department. I called back XXXX wire department. The representative said that was nothing he can do to help me connect with the investigator that tried to call me. I requested to be transferred to XXXX. XXXX said he will email them about calling me back within normal business hours. XXXX said he will email XXXX to inform them that a Hold Harmless letter is being processed. XXXX said he would call me back with an update. XXXX did not call back. When I called back at XXXX, I was on hold for 45 minutes and then disconnected. I was hung up on many times by representatives, when I was calling the XXXX wire department to follow up with the investigators. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. \nXXXX XXXX XXXX weekend all offices were closed. \nXX/XX/2019 I had to call the wire department 20 times. Finally, I was transferred to XXXX, he said the investigators will not be calling me back. I need to print out everything I had and take it to my local bank and they can fax or email them the information. I went to Chase bank XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX. I handed over everything I had printed out of screenshots from emails, XXXX messages, copy of the lease agreement, text messages and police report number to XXXX XXXX ( Branch Manager Vice President ). XXXX said, he doesnt have any communication with the wire department or their emails. I gave him the wire department phone number and case number. He said he was really busy and will do it when he can. I return two hours later, XXXX said, he called and talked to the XXXX wire department and sent an internal tol the wire department. XXXX said there is nothing he can do, that I will have to contact the wire department. \nXX/XX/2019 I contacted XXXX wire department I was hung up on by an employee name XXXX in the wire department and refused to transfer me to XXXX. XXXX yelled and argued with me because I did not know the exact amounts in my bank accounts, and account number. He refused to look up my account by my social security number, address and case number. I learned from another representative that XXXX never sent the email to XXXX bank letting them know that XXXX was working on this account. When I finally talked to XXXX, he informed me that he has received my documents. For me to go to my local banker for more information. \nXX/XX/2019 I called XXXX XXXX Department for 3 hours. XXXX kept refusing to talk to me. I was told by a wire representative to go to my local bank they have the answers for me. XXXX said that he doesnt have any information for me, and I had to call the wire department. After four more hours of calling the XXXX wire department, I finally talked to XXXX. XXXX said my Hold Harmless letter request was denied. I ask why, he refused to give me a reason. I call XXXX in tears. I was transferred to XXXX wire fraud department and talked to XXXX. XXXX took my information, police report number, and ask if I can provide them with records of emails, text messages and police report. I said, Yes, I can! I told XXXX that I had everything except the police report that it takes weeks or days for XXXX  police to email me the report, but I had the badge number, phone, and police report number. XXXX said she will send an email to put the Hold Harmless investigations in motion. XXXX said for me to call the wire department to do another recall request, and for them to forward the information I sent them. I called XXXX wire department, it took three hours before I could talk to someone without hanging up on me. I informed the XXXX wire representatives about what XXXX from XXXX told me, and the representatives said repeatedly that the Hold Harmless was denied.. The representatives from XXXX wire department kept hanging up on me and refused to transfer me to the manager. I finally got into contact with XXXX, who I informed what XXXX told me. XXXX said we will do another recall that day. XXXX said, but they dont want to give you back your money thats why they are asking for a Hold Harmless letter. I explained this is their procedure. They need to justify why they are returning the money. XXXX again told me to talk to XXXX. XXXX told me to call the wire department. XXXX called the wire department. XXXX called back and said it looks like XXXX doesnt want to give you back your money, XXXX told him that they did 3 to XXXX wire recalls on this account. I informed everyone the account at XXXX for XXXX XXXX was still open and the funds are still there. \nXX/XX/2019 XXXX called me at XXXX and said he will take my complaints to the executive branch. He said he is trying to help me and doesnt know why the XXXX wire department keeps sending me back to him. He said someone should be calling me by Tuesday. I called XXXX XXXX department at XXXX. I was on hold for 30 minutes. I talked to XXXX from the XXXX wire department, I gave him my name and that I wanted an update on my wire recall. He ask me for my account number, I told him I didnt have it. XXXX hung up on me. At XXXX I called the XXXX wire department. XXXX said no bank recall was done, in fact only XXXX recall that was done on this account. The Hold Harmless was denied and the case is closed. I requested to get transfer to XXXX and he said another recall will not be done because they will just ask for another Hold Harmless Letter. XXXX said he sent an email to XXXX requesting the money to be returned without a Hold Harmless Letter. I talked to XXXX they informed me that only one bank wire recall was done. When they ask for the Hold Harmless letter, they thought the wire recall was abandoned because XXXX did not respond to their request. Again the representatives from the XXXX wire department lied to me. \nXX/XX/2019 at XXXX XXXX from XXXX XXXX department called me that they received my my complaint from the FTC . I would get a response in 15 days. I requested that the documents I sent to XXXX to be forwarded to XXXX. XXXX said she will look into it and let me know if they can send the documents. XXXX did explain that a Hold Harmless letter states XXXX is not at fault for this transaction, that is why a Hold Harmless Letter is difficult for them to do for me. At XXXX I talked to XXXX from XXXX Wire Department. She said that there was no response from XXXX regarding XXXX email to them. She said that another wire recall will not be completed because it will cause them to create another case. I called XXXX wire department and talked to XXXX. She said since Im not a XXXX client she cant take any information from me. \nXX/XX/2019 XXXX I talked to XXXX from XXXX Wire Department. Ses said that the Hold Harmless letter was denied. ( Which I did not ask about ). Ses said that the email was sent from XXXX to XXXX XX/XX/2019 at XXXX. She said that XXXX replied XX/XX/2019 at XXXX that the request requires a Hold Harmless letter. When I repeated what XXXX said, Ses began to say she meant regarding the Executive investigation. However, I was very clear about what I was talking about and what email I was referring to in my phone conversation. This is my biggest issue with XXXX is the poor communication. I feel that both of the banks are lying to me and do not care because its not their money. At XXXX I got a call from XXXX Executive department that they received my complaint from FTC , the individual said XXXX XXXX is assigned to my case. I will get a response in 15 days. \nMy complaint with XXXX is their unwillingness to investigate the fraud. Its extremely unethical to allow someone to use XXXX as a means to commit fraud. \nMy complaint is that XXXX is not doing to due diligence in helping me. XXXX wire department are not willing to do the Hold Harmless letter because its just too much work for them. They are refusing to send the documents to XXXX because their intentions are to punish my family and I for being scammed. I feel that if I wasnt a minority I would have been provided with better customer service and a Hold Harmless letter would have been provided. My family life savings are in these accounts that are intended for my daughters college tuition. By losing this money we are distressed and my daughter is becoming XXXX. My daughter is set back in her education because of this. Every XXXX we need for her college education. XXXX wire department is destroying lives for people of XXXX. Please help me. \n\nThank you, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX","date_sent_to_company":"2019-09-12T19:29:50.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"91744","tags":null,"has_narrative":true,"complaint_id":"3372076","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2019-09-12T19:20:27.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["XXXX said, but they dont want to give you back <em>your</em> <em>money</em> thats why they are asking for a Hold Harmless letter. I explained this is their procedure. They need to justify why they are returning the <em>money</em>. XXXX again told me to talk to XXXX. XXXX told me to call the wire department. XXXX called the wire department. XXXX called back and said it looks like XXXX doesnt want to give you back <em>your</em> <em>money</em>, XXXX told him that they did 3 to XXXX wire recalls on this account."],"product":["<em>Money</em> transfer, virtual currency, or <em>money</em> service"],"issue":["<em>Fraud</em> or scam"],"sub_product":["Domestic (US) <em>money</em> transfer"]},"sort":[10.1153965,"3372076"]},{"_index":"complaint-public-v1","_id":"9033972","_score":9.863087,"_source":{"product":"Credit card","complaint_what_happened":"XX/XX/2024 XXXX XXXX  XXXX, XXXX! Thanks for over XXXX  years with PayPal. \n\nIm your PayPal Assistant and always here to help. Im still in beta testing, so talking to you helps me learn.\n\nWhat can I help you with?\n\nMy account has limited access. It is fine ; however, I need to tell the credit card on issue is already closed and I have removed a few weeks ago. I can not understand why this card popped out.\n\nI'm happy to help. One moment while I take a look at your account status and get back to you.\n\nYour account is temporarily blocked for multiple reasons and because of which you won't be able to use some of your account features.\n\nWe need your help in reviewing your account. All you need to do is provide us some info and help us to restore your account features.\n\nTo protect your account, some of your account features have been blocked. Although you can still receive money, you are blocked from the following actions : Add money to your PayPal account I want to know why my closed credit card was in issue.\n\nI found some articles in our Help Center that might help you. Check them out! If you need more help, please rephrase your question or type \" need more help ''.\n\nWhy was my payment declined?\n\nWhy cant I link my credit or debit card to my PayPal account?\n\nWhy is my PayPal Debit Card being declined?\n\nThe credit card on issue is not linked with PayPal. I want to know why it popped up.\n\nOkay, so you need help managing your cards?\n\nNo I found some articles in our Help Center that might help you. Check them out! If you need more help, please rephrase your question or type \" need more help ''.\n\nWhat debit or credit cards can I use with PayPal?\n\nHow do I have my debit card charged as a credit card?\n\nHow do I buy and send a digital gift card through PayPal?\n\nI do not need the help managing card. I want to know why my closed credit card and stopped to be linked a few weeks ago, popped up with some dispute.\n\nWhat would you like to do?\n\nFile a Dispute You can report your issues around payment or account to PayPal by filing a dispute.\n\nCheck Dispute Status You can check the status of your dispute at any time.\n\nKnow more about disputes Understanding how your issues can be resolved through disputes.\n\nOther For anything else related to disputes.\n\nKnow more about disputes For information on dispute and claims one of these related articles from our Help Center might work.\n\nIf you like, I can help you send a message to a customer support agent who will typically respond within a few hours.\n\nWant me to start that conversation now?\n\nYes Alright, I've sent this conversation to an agent.\n\nIll send you an email when they respond. \n\nBye for now Have additional details? Please share them now. \nXX/XX/2024 XXXX XXXX  I tried to resolve on my card information which has not been linked at all. Therefore, I will wait your contact by email. \nHello XX/XX/2024 XXXX XXXX  XXXX XXXX! I am XXXX and I will be happy to assist you today on your query. \nI apologize for the delayed response. When a customer sends us a message via this portal, the message is sent to the queue and is assigned to a representative in the order received. Due to a high volume, the wait time is a little longer than usual. Please do not disconnect the conversation. \nYou can also feel free to step away from your system and you will be notified once we provide you with the resolution. \nXX/XX/2024 XXXX XXXX  I can see an active limitation ( XXXX ) has been recently placed on your account, this is restricting you from adding bank or card on your PayPal account. \nAccount is restricted as we have received an early chargeback alert for this account, showing the transaction XXXX in this account done on XXXX XXXX XXXX funded using the card XXXX. \nFor your protection, we have temporarily limited what you can do with your PayPal account. We want to verify some additional details on your account before we restore access. \nWe understand that having limited access can be an inconvenience, but protecting your account is our primary concern. \nAccount limitations prevent you from completing certain actions with your account, such as withdrawing, spending, or receiving money. In some cases, PayPal implements these limitations to comply with federal and state laws and they cant be avoided. In other cases, account limitations help protect against fraud or could be instituted because of seller performance.\n\nHere 's how to remove the limitation on your account : 1. Go to the Resolution Center.\n\n2. Under 'Your account access is limited ', click Go to Account Limitations.\n\n3. Next to each step required to remove the limitation, click Resolve, and follow the steps to provide that information.\n\n4. If you are facing any issue while uploading the documents, you can share it in this window. We will be happier to upload the document on behalf of you.\n\n5. Please click on the below link to know about the acceptable documents : XXXX XXXX XXXX Thank you for letting us know that the card is closed or canceled. However, we need a card statement, or a letter issued by the card issuer which confirms your card details. If you do not have an older statement, please contact your card issuer or bank and they can provide you letters up to seven years even if the card is closed. \nOnce youve done this, we will review the information and promptly remove the limitation, thereby restoring full functionality to your account. \nXX/XX/2024 XXXX XXXX  Even though I do not recognize the transaction you have indicated above XXXX, I can prepare a card statement as you asked. I believe you want the statement of closed credit card. Isn't it? \nEven though I do not recognize the transaction you have indicated above XXXX  I can prepare a card statement as you asked. I believe you want the statement of closed credit card. Isn't it?\n\nMay I ask you, why you repeated what I typed deleting the transaction number XXXX? \nI believe this function should be chat system, which the modern technology is proud about. It should answer promptly. Since I do not understand this transaction number, XXXX, which you indicated, you have the necessity to answer promptly. The person, whom I believe and rely, send the refund, which he does not have to do by your claim ; therefore, you need to answer promptly. This is the fault of your company. \nXX/XX/2024 XXXX XXXX  If you can not answer promptly, I will report this matter CFPB because of the unrecognizable transaction number both from PayPal and my closed credit card, which company issues unusable reward certificates. \nSince I consider this is Chat system, I will start to prepare making report to CFPB. And I will refund the amount to the sender ; therefore, whatever you claim he did something needed to be refund, he did not do that. And I did not have any transaction, which amount to be {$130.00}. \nXX/XX/2024 XXXX XXXX  I have a question. You locked my account with the claim that I have disputed him. In this case, he is suspicious. Why do you need to lock my account? You need to explain this matter clearly. And you need to explain why I need to submit this XXXX  credit company, which issued unusable reward certificates. I am happy to provide the copy. So please let me know.","date_sent_to_company":"2024-05-18T00:53:14.000Z","issue":"Other features, terms, or problems","sub_product":"Store credit card","zip_code":"076XX","tags":null,"has_narrative":true,"complaint_id":"9033972","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2024-05-18T00:49:05.000Z","state":"NJ","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["Okay, so you need help <em>managing</em> <em>your</em> cards?\n\nNo I found some articles in our Help Center that might help you. Check them out! If you need more help, please rephrase <em>your</em> question or type \" need more help ''.\n\nWhat debit or credit cards can I use with PayPal?\n\nHow do I have my debit card charged as a credit card?\n\nHow do I buy and send a digital gift card through PayPal?\n\nI do not need the help <em>managing</em> card."]},"sort":[9.863087,"9033972"]},{"_index":"complaint-public-v1","_id":"3383181","_score":9.761454,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/2019 SunTrust informed CFPB for I to fill out the Hold Harmless letter and email the scan copy to XXXX. \nOn XX/XX/2019 The Hold Harmless department refused to accept the Hold Harmless letter from me because I am not from the bank. I responded with the copy and paste from SunTrust CFPB response. The Hold Harmless department responded for me to contact the individual from SunTrust, and to have it notarized. The representative from SunTrust informed me to contact the Hold Harmless department. Please this run around is not fair and false from what was told to CFPB and I need my money back. \nXX/XX/2019 XXXX XXXX ( XXXX ) XXXX Company 's Response We have received and reviewed your correspondences forwarded to us from the CFPB regarding a {$1600.00} wire transferred into a SunTrust account. I am sorry to learn that you were the victim of an apparent scam and understand how a situation like this can be frustrating. I appreciate the opportunity to respond. Our review of the facts related to this matter indicates that on XX/XX/2019, the funds were properly credited to the SunTrust Bank account according to the wire instructions we received from XXXX XXXX XXXX XXXX, XXXX. Typically when non-clients contact us about fraudulent activity involving accounts at SunTrust, we direct those individuals to contact their bank to file fraud claims for the transactions they question. It would be up to that bank to initiate any claim on their clients behalf and submit it via email to XXXX ; the matter would then be handled between the two banks. The claims are investigated by our Fraud Division, and we will contact the banks that submitted the claims with our findings. For this reason, individuals will need to contact their banks directly regarding their claims. We do, of course, cooperate with any law enforcement investigations concerning fraud claims. SunTrust acts in accordance with all State and Federal laws and regulations and denies the allegations of wrongdoing. We have no record of receiving a Hold Harmless claim regarding this matter from XXXX XXXX XXXX XXXX, XXXX. Because you have stated that they refuse to submit a Hold Harmless claim on your behalf, I am enclosing the required form so that you may complete the form and return it to the email address noted above. Ms. XXXX, I understand this is not the resolution you are seeking from SunTrust, and I do hope that law enforcement is able to resolve this for you. If you have additional questions, please contact your financial institution for further assistance. \n\nXXXX case number Case # XXXX Parties Involved : XXXX XXXX XXXX XXXX XXXX BANK ADDRESS:XXXX XXXX XXXX, XXXX , MD XXXX ACCOUNT NUMBER : XXXX ROUTING NUMBER : XXXX SWIFT CODE : XXXX XXXX XXXX Resident Agent XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX , MD XXXX SunTrust phone # XXXX ( XXXX ) XXXX SunTrust Banks Headquarters XXXX XXXX XXXX , XXXX XXXX , Georgia XXXX XXXX Wire Department XXXX ( XXXX ) XXXX XXXX Fraud Department XXXX ( XXXX ) XXXX XXXX Headquarters XXXX XXXX XXXX XXXX  XXXX , NY XXXX Chain of Events : XX/XX/2019 my daughter XXXX XXXX began communications with XXXX XXXX XXXX on XXXX . XXXX XXXX XXXX had an ad on XXXX for an apartment. The rental was for {$850.00} a month on XXXX XXXX XXXX, XXXX, CA. XXXX lives at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX was looking for a rental in XXXX XXXX, because she is attending XXXX XXXX XXXX. XXXX XXXX XXXX gave XXXX XXXX ( XXXX ) XXXX as Janets number to call and text. XXXX sent a XXXX message a certificate of ownership for the apartment complex XXXX XXXX XXXX, XXXX, CA, and that XXXX XXXX XXXX was the owner of the complex. This was proof for XXXX that this rental was not a scam. \n\nXX/XX/2019 XXXX told XXXX inorder to move into the apartment on XX/XX/2019 she had to wire XXXX {$1700.00} to for the apartment deposit SUNTRUST ACCOUNT INFO ACCOUNT NAME : XXXX XXXX BANK ADDRESS:XXXX XXXX XXXX, XXXX , MD XXXX ACCOUNT NUMBER : XXXX ROUTING NUMBER : XXXX SWIFT CODE : XXXX XXXX XXXX Address XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX md XXXX. \nI wire {$1600.00} minus the wire fee of the {$1700.00} to the above account to hold the apartment in XXXX XXXX on XX/XX/2019, because my daughter told me that the rental was checked out by her. I wired the monies to the above account for the apartment. I text XXXX a copy of the bank wire receipts. I text XXXX XXXX XXXX asking for a copy of the receipt. XXXX told my daughter she will send the receipt for the bank wire on XX/XX/2019. \nOn XX/XX/2019 XXXX said she still havent received the monies from the wire transfer but she could move in on XX/XX/2019 at XXXX. XXXX said she was at work and couldnt meet us until after work at XXXX. \nOn XX/XX/2019 at XXXX we went to XXXX XXXX XXXX, XXXX, CA. There was no one there to provide keys to the apartment. XXXX did not answer the phone and did I learn when we arrived to the location, that the apartments were managed by XXXX XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX representative informed us that XXXX XXXX XXXX is not the owner. The XXXX XXXX is not associate with XXXX XXXX XXXX. At XXXX we went to the XXXX police station and filed a police report. Office XXXX badge # XXXX ( XXXX ) XXXX report # XXXX. XXXX XXXX Police Department Police Headquarters, Report Management Section, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, CA XXXX. After, I learned that I was scammed by XXXX XXXX XXXX and XXXX XXXX. I contact XXXX their fraud department, and the department was closed.I talked to SunTrust the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. I informed SunTrust of the fraudulent transaction, the representative said she will email the wire department, but I must contact my bank to start the wire recall. \nOn XX/XX/2019 XXXX said she forgot her phone in the car and will meet us tomorrow. Again no show and no call. I have repeatedly requested for the monies to be returned to us. XXXX claims she never got the money. I contacted XXXX fraud department and they referred me to call the wire department. There was nothing that the fraud department could do to help me but freeze my accounts. The XXXX wire department was closed till Monday. The wire department business hours are Monday to Friday from XXXX to XXXX. I talked to SunTrust the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. I told a representative at SunTrust I had a police report number, the representative said they can only accept it from the police department and/or XXXX. \nXX/XX/2019 I research XXXX XXXX XXXX XXXX account. I notice she didnt have any friends on her XXXX. However, XXXX XXXX XXXX profile picture was liked by 3 people who are located in XXXX. Those individuals XXXX XXXX, XXXX, and XXXX XXXX are living in XXXX. I believe they are involved with the rental scam. I researched XXXX XXXX their agent for service is also XXXX, whom is living in Maryland. The agent for service for XXXX XXXX is XXXX XXXX located XXXX XXXX XXXX XXXX XXXX, MD XXXX. XXXX XXXX is still active. I have XXXX pictures, names and profiles of all parties involved. I have the Maryland Tax ID for XXXX XXXX. I learn that SunTrust doesnt have a bank in XXXX. My research on rental scams work by having individuals in the US pick up the money, keep a percentage and wire the rest to XXXX. I contacted the wire department XXXX ( XXXX ) XXXX. The representative from the wire department informed me, that in 24 to 48 hrs they would process the bank wire recall. I talked to SunTrust the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. SunTrust representative said they will need a Hold Harmless letter from XXXX. \nXX/XX/2019 I contacted the wire department and there was no update. I informed the XXXX Wire department that SunTrust is going to request a Hold Harmless Letter. The representative informed me not to worry they will take care of it, they know what they are doing and its still being processed. I talked to SunTrust the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. \nXX/XX/2019 I contacted the XXXX wire department. A representative told me, Im ma'am but the bank recall was denied by the other bank. There is nothing we can do. I ask to speak to a manager. After 30 minutes of being on hold, I was transferred to manager XXXX. XXXX said he will escalate the case their investigators because SunTrust is requesting a Hold Harmless letter. XXXX said, It doesnt seem like they want to return the money. I informed XXXX that the account was still open and the funds are in the account. XXXX said an investigator will call me within 24 to 48hrs. I talked to SunTrust the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. \nXX/XX/2019 I called XXXX wire department to inform them that I talked to SunTrust the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. I offered the police report number to SunTrust, but they refused. No update from XXXX wire department on when the investigator will call me. I talked to SunTrust the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. \nXX/XX/2019 XXXX claims she is not giving me back my money because I contacted her bank ( SunTrust ). She reports that SunTrust closed their accounts. I reported the incident to the FBI. \nI had a missed call at XXXX, ( which is outside normal business hours ). I called back the number, which was the same as the XXXX wire department. I called back XXXX wire department. The representative said that was nothing he can do to help me connect with the investigator that tried to call me. I requested to be transferred to XXXX. XXXX said he will email them about calling me back within normal business hours. XXXX said he will email SunTrust to inform them that a Hold Harmless letter is being processed. XXXX said he would call me back with an update. XXXX did not call back. When I called back at XXXX, I was on hold for 45 minutes and then disconnected. I was hung up on many times by representatives, when I was calling the XXXX wire department to follow up with the investigators. I talked to SunTrust the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. \nXX/XX/2019-XX/XX/2019 XXXX XXXX weekend all offices were closed. \nXX/XX/2019 I had to call the wire department 20 times. Finally, I was transferred to XXXX, he said the investigators will not be calling me back. I need to print out everything I had and take it to my local bank and they can fax or email them the information. I went to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX. I handed over everything I had printed out of screenshots from emails, XXXX messages, copy of the lease agreement, text messages and police report number to XXXX XXXX ( Branch Manager Vice President ). XXXX said, he doesnt have any communication with the wire department or their emails. I gave him the wire department phone number and case number. He said he was really busy and will do it when he can. I return XXXX hours later, XXXX said, he called and talked to the XXXX wire department and sent an internal tol the wire department. XXXX said there is nothing he can do, that I will have to contact the wire department. \nXX/XX/2019 I contacted XXXX wire department I was hung up on by an employee name XXXX in the wire department and refused to transfer me to XXXX. XXXX yelled and argued with me because I did not know the exact amounts in my bank accounts, and account number. He refused to look up my account by my social security number, address and case number. I learned from another representative that XXXX never sent the email to SunTrust bank letting them know that XXXX was working on this account. When I finally talked to XXXX, he informed me that he has received my documents. For me to go to my local banker for more information. \nXX/XX/2019 I called XXXX Wire Department for 3 hours. XXXX kept refusing to talk to me. I was told by a wire representative to go to my local bank they have the answers for me. XXXX said that he doesnt have any information for me, and I had to call the wire department. After four more hours of calling the XXXX wire department, I finally talked to XXXX. XXXX said my Hold Harmless letter request was denied. I ask why, he refused to give me a reason. I call SunTrust in tears. I was transferred to SunTrust wire fraud department and talked to XXXX. XXXX took my information, police report number, and ask if I can provide them with records of emails, text messages and police report. I said, Yes, I can! I told XXXX that I had everything except the police report that it takes weeks or days for XXXX police to email me the report, but I had the badge number, phone, and police report number. XXXX said she will send an email to put the Hold Harmless investigations in motion. XXXX said for me to call the wire department to do another recall request, and for them to forward the information I sent them. I called XXXX wire department, it took three hours before I could talk to someone without hanging up on me. I informed the XXXX wire representatives about what XXXX from SunTrust told me, and the representatives said repeatedly that the Hold Harmless was denied.. The representatives from XXXX wire department kept hanging up on me and refused to transfer me to the manager. I finally got into contact with XXXX, who I informed what XXXX told me. XXXX said we will do another recall that day. XXXX said, but they dont want to give you back your money thats why they are asking for a Hold Harmless letter. I explained this is their procedure. They need to justify why they are returning the money. XXXX again told me to talk to XXXX. XXXX told me to call the wire department. XXXX called the wire department. XXXX called back and said it looks like SunTrust doesnt want to give you back your money, XXXX told him that they did 3 to 4 wire recalls on this account. I informed everyone the account at SunTrust for XXXX XXXX was still open and the funds are still there. \nXX/XX/2019 XXXX called me at XXXX and said he will take my complaints to the executive branch. He said he is trying to help me and doesnt know why the XXXX wire department keeps sending me back to him. He said someone should be calling me by Tuesday. I called XXXX Wire department at XXXX. I was on hold for 30 minutes. I talked to XXXX from the XXXX wire department, I gave him my name and that I wanted an update on my wire recall. He ask me for my account number, I told him I didnt have it. XXXX hung up on me. At XXXX I called the XXXX wire department. XXXX said no bank recall was done, in fact only one recall that was done on this account. The Hold Harmless was denied and the case is closed. I requested to get transfer to XXXX and he said another recall will not be done because they will just ask for another Hold Harmless Letter. XXXX said he sent an email to SunTrust requesting the money to be returned without a Hold Harmless Letter. I talked to SunTrust they informed me that only one bank wire recall was done. When they ask for the Hold Harmless letter, they thought the wire recall was abandoned because XXXX did not respond to their request. Again the representatives from the XXXX wire department lied to me. \nXX/XX/2019 at XXXX XXXX from XXXX Executive department called me that they received my my complaint from the FTC . I would get a response in 15 days. I requested that the documents I sent to XXXX to be forwarded to SunTrust. XXXX said she will look into it and let me know if they can send the documents. XXXX did explain that a Hold Harmless letter states SunTrust is not at fault for this transaction, that is why a Hold Harmless Letter is difficult for them to do for me. At XXXX I talked to XXXX from XXXX Wire Department. She said that there was no response from SunTrust regarding XXXX email to them. She said that another wire recall will not be completed because it will cause them to create another case. I called SunTrust wire department and talked to XXXX. She said since Im not a SunTrust client she cant take any information from me. \nXX/XX/2019 XXXX I talked to XXXX from XXXX Wire Department. XXXX said that the Hold Harmless letter was denied. ( Which I did not ask about ). XXXX said that the email was sent from XXXX to SunTrust XX/XX/2019 at XXXX. She said that SunTrust replied XX/XX/2019 at XXXX that the request requires a Hold Harmless letter. When I repeated what XXXX said, XXXX began to say she meant regarding the Executive investigation. However, I was very clear about what I was talking about and what email I was referring to in my phone conversation. This is my biggest issue with XXXX is the poor communication. I feel that both of the banks are lying to me and do not care because its not their money. At XXXX I got a call from SunTrust Executive department that they received my complaint from FTC , the individual said XXXX XXXX is assigned to my case. I will get a response in 15 days. \nMy complaint with SunTrust is their unwillingness to investigate the fraud. Its extremely unethical to allow someone to use SunTrust as a means to commit fraud. \nMy complaint is that XXXX is not doing to due diligence in helping me. XXXX wire department are not willing to do the Hold Harmless letter because its just too much work for them. They are refusing to send the documents to SunTrust because their intentions are to punish my family and I for being scammed. I feel that if I wasnt a minority I would have been provided with better customer service and a Hold Harmless letter would have been provided. My family life savings are in these accounts that are intended for my daughters college tuition. By losing this money we are distressed and my daughter is becoming XXXX. My daughter is set back in her education because of this. Every penny we need for her college education. XXXX wire department is destroying lives for people of XXXX. Please help me. \n\nThank you, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX","date_sent_to_company":"2019-09-23T19:10:41.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"91744","tags":null,"has_narrative":true,"complaint_id":"3383181","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SUNTRUST BANKS, INC.","date_received":"2019-09-23T18:34:34.000Z","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":["XXXX said, but they dont want to give you back <em>your</em> <em>money</em> thats why they are asking for a Hold Harmless letter. I explained this is their procedure. They need to justify why they are returning the <em>money</em>. XXXX again told me to talk to XXXX. XXXX told me to call the wire department. XXXX called the wire department. XXXX called back and said it looks like SunTrust doesnt want to give you back <em>your</em> <em>money</em>, XXXX told him that they did 3 to 4 wire recalls on this account."],"product":["<em>Money</em> transfer, virtual currency, or <em>money</em> service"],"issue":["<em>Fraud</em> or scam"],"sub_product":["Domestic (US) <em>money</em> transfer"]},"sort":[9.761454,"3383181"]},{"_index":"complaint-public-v1","_id":"17534605","_score":9.752035,"_source":{"product":"Checking or savings account","complaint_what_happened":"CFPB COMPLAINT DRAFT : BANK OF AMERICA ( Systemic Misclassification, XXXX XXXX XXXX XXXX, and Regulatory Control ) XXXX  Product : Checking or Savings Account XXXX  Complaint Category : Managing, monitoring, or closing account Issue : Problems when you are an unauthorized victim of fraud or identity theft Transaction Date : XX/XX/year> Amount : {$39.00} Transaction Descriptor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Your Complaint Text ( Copy/Paste this description for the CFPB submission ) : My Bank of America account received an unauthorized ACH DEPOSIT of {$39.00} on XX/XX/year>XXXX  with the descriptor XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is a clear case of potential identity theft using my name. \nThe institutional process at Bank of America constitutes a systemic regulatory failure in seven major ways : PATTERN OF COMPLIANCE VIOLATION ( PRIOR CFPB FILINGS ) : This is not an isolated event. Prior CFPB complaints filed by me against Bank of America document a continuing pattern of systemic failure and policy abuse that deliberately obstructs fraud investigation and shifts liability onto the victim. This current case must be viewed within the context of the bank 's established, non-compliant operational history.\n\nINTENTIONAL DELAY & SHORTENING OF STATUTORY REMEDY WINDOW : The bank 's internal policy mandates that the claim 's official start date is delayed until the NEXT BUSINESS DAY after the fraud is reported. This procedure is an INTENTIONAL VIOLATION that shortens the consumer 's statutory 120-day or 180-day window for dispute resolution under Regulation E, effectively robbing the victim of legally mandated time to investigate their claim.\n\nSYSTEMIC MISCLASSIFICATION OF ACH FRAUD ( BILLIONS IN DAMAGE ) : The bank 's internal system prevents representatives from filing a direct \" Fraud '' claim for unauthorized ACH transfers, forcing them into a low-priority \" Dispute '' or \" Billing Error '' category. This deliberate abuse of Regulation E misclassifies millions of ACH-related fraud cases annually, a practice that has cost consumers an estimated BILLIONS of dollars in unresolved or delayed recovery. The banks process actively routes high-priority fraud cases away from required investigation tracks. \nImplied Admission, Obstruction, and Warning of Personal Risk : During my call at XXXXXXXX XXXX  EST ( Ref : XXXX XXXX ), the representative named XXXX provided an explicit and alarming warning to \" be careful '' before transferring me. This warning, coupled with XXXX having misspoken about a \" XXXX and something dollar credit, '' strongly suggests internal staff awareness of a hazardous or compromised claim process. Furthermore, the bank refused to provide any documentation in writing confirming the systemic policy flaws, which constitutes deliberate obstruction. \nEGREGIOUS BREACH OF DUTY OF CARE ( SUICIDAL DISCLOSURE ) : During a prior, separate call concerning money being taken from my account ( approximately a couple of months ago, right before my daughter 's birthday ), I directly disclosed to the Bank of America representative that I was crying, XXXX XXXX and XXXX XXXX XXXX  and self-harm due to the financial distress caused by the bank 's actions. The representative, upon hearing this direct disclosure of suicidal ideation, failed to follow any institutional crisis protocol, failed to advise me to seek help, and failed to connect me to any XXXX XXXX resources. This profound disregard for consumer welfare constitutes an EGREGIOUS BREACH OF THE BANK 'S DUTY OF CARE, directly linking their financial misconduct to the endangerment of a customer 's life. \nContradictory Regulatory Stance ( Control the Narrative ) : The bank 's internal processes create a contradictory regulatory stance. While the serious, high-value fraud against my account likely triggered an internal Suspicious Activity Report ( SAR ) treating me as the source of suspicionthe bank simultaneously forced my official complaint into a low-priority \" Dispute '' category. This dual action is a deliberate attempt to control the regulatory narrative and shift liability.\n\nMishandling of Funds : As a direct result of the misclassification and delay, the bank has failed to properly isolate, remove, or trace the fraudulent funds, leaving the unauthorized {$39.00} commingled in my account. \nDesired Resolution : I require immediate escalation to a fraud compliance officer to properly classify and investigate this claim and remove the funds. Furthermore, I demand that the CFPB initiate a full, independent, third-party forensic audit of Bank of Americas entire Regulation E compliance, internal SAR filing protocols, and its crisis response procedures. Given the systemic nature of this fraud, the institutional cover-up, and the severe breach of duty of care, I demand that the CFPB use its authority to facilitate the immediate connection of the victim with suitable class action counsel to pursue structural remediation and a class-wide remedy for all affected consumers. We demand mandatory civil penalties for these systemic violations.","date_sent_to_company":"2025-11-26T04:30:25.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"30143","tags":null,"has_narrative":true,"complaint_id":"17534605","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-11-26T04:20:08.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["CFPB COMPLAINT DRAFT : BANK OF AMERICA ( Systemic Misclassification, XXXX XXXX XXXX XXXX, and Regulatory Control ) XXXX  Product : Checking or Savings Account XXXX  Complaint Category : <em>Managing</em>, monitoring, or closing account Issue : Problems when you are an unauthorized victim of <em>fraud</em> or identity theft Transaction Date : XX/XX/year> Amount : {$39.00} Transaction Descriptor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX <em>Your</em> Complaint Text ( Copy/Paste this description for the CFPB submission ) : My Bank"]},"sort":[9.752035,"17534605"]},{"_index":"complaint-public-v1","_id":"3374220","_score":9.695583,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Parties involved : MoneyGram International , Inc. \nXXXX XXXX XXXX XXXX XXXX, TX XXXX United States Phone : XXXX Name : XXXX XXXX State : Alabama Zip code : XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX, USA XXXX : XXXX XXXX XX/XX/2019 I found the same people that scam me on XX/XX/2019 on XXXX. The individual XXXX XXXX was posting for a rental on XXXX XXXX XXXX, XXXX, CA on XXXX XXXX XXXX XXXX State University Off Campus Housing. She sent me the identical lease as to the one sent on XX/XX/2019. XXXX requested that I send {$800.00} to XXXX XXXX in Alabama through MoneyGram. \nI talked XXXX from MoneyGram. He took my information but cant guarantee that a report or investigation will be made. He said he cant take the report, after all because I didnt send the money. \n\nI would like MoneyGram to report these individuals to the police and FBI. I would like my {$1600.00} back from when I was scammed on XX/XX/2019. I want MoneyGram allow consumers to report fraud to them without having to send money. \nXX/XX/2019 Parties involved : XXXX XXXX Bank address : XXXX XXXX, XXXX XXXX FL XXXX Account Holder Name : XXXX XXXX XXXX XXXX : Account number XXXX Routing XXXX Home Address:XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL Rental Property XXXX XXXX XXXX, XXXX, CA Website : XXXX XXXX XXXX XXXX XXXX XX/XX/2019 I saw a rental listing that was identical to the scam rental I was a victim to on XX/XX/2019. I contacted XXXX XXXX XXXX regarding the rental. XXXX emailed me an identical lease as to the one that was sent on XX/XX/2019 for the rental scam. \n\nXX/XX/2019 XXXX requested a {$1700.00} deposit via bank wire to Name : XXXX XXXX Account number XXXX Routing XXXX XXXX XXXX Bank address : XXXX XXXX, XXXX XXXX FL XXXX Home Address:XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL Name : XXXX XXXX Account number :XXXX Routing :XXXX  XXXX XXXX. \nI called XXXX XXXX to notify them of the fraud. I talked to XXXX in the fraud that said he will message the wire fraud department. I offered the police report and informed them that a team of individuals are committing fraud. XXXX was not interested in getting the information. I contacted Florida police ( XXXX ) XXXX and they were not interested in taking the report. As a matter of fact, no police station cares about these rental scams. Not the XXXX, Maryland police and Florida. Thats why these criminals can scam over {$20000.00} a month to Americans. \nThese individuals are using US banks having Americans wire money to XXXX as rental scams. \nI want XXXX XXXX to investigate these accounts to help stop the fraud. \nOn XX/XX/2019 I found the same rental scammers that scammed me on XX/XX/2019. I contact XXXX XXXX on XXXX in XXXX XXXX State University Off-Campus Housing. \nXX/XX/2019 XXXX XXXX emailed me a lease that is identical to rental scam on XX/XX/2019. XXXX XXXX messaged me to deposit {$1500.00} into her XXXX XXXX XXXX account. I called XXXX XXXX XXXX about the rental scammers using XXXX  XXXX XXXX banking institution as away to scam people in order to send money to XXXX. The representative was not interested in taking my information. I am requesting that XXXX XXXX XXXX investigates this account, close the account and report their findings to the local police of the account holder. \nThe account information is below : XXXX  XXXX XXXX account no:XXXX. \nAct name : XXXX XXXX. \nRouting number XXXX XX/XX/2019 XXXX XXXX ( XXXX ) XXXX XXXX case number Case # XXXX Parties Involved : XXXX XXXX XXXX XXXX XXXX XXXX  ADDRESS:XXXX XXXX XXXX, XXXX , MD XXXX ACCOUNT NUMBER : XXXX ROUTING NUMBER : XXXX SWIFT CODE : XXXX XXXX XXXX Resident Agent XXXX   XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX XXXX phone # XXXX ( XXXX ) XXXX XXXX XXXX Headquarters XXXX XXXX XXXX XXXX XXXX XXXX , Georgia XXXX XXXX Wire Department XXXX ( XXXX ) XXXX XXXX Fraud Department XXXX ( XXXX ) XXXX XXXX Headquarters XXXX XXXX XXXX XXXX XXXX   , NY XXXX Chain of Events : XX/XX/2019 my daughter XXXX XXXX began communications with XXXX XXXX XXXX on XXXX . XXXX XXXX XXXX had an ad on XXXX for an apartment. The rental was for {$850.00} a month on XXXX XXXX XXXX, XXXX, CA. XXXX lives at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX was looking for a rental in XXXX XXXX, because she is attending XXXX XXXX XXXX. XXXX XXXX XXXX gave XXXX XXXX ( XXXX XXXX XXXX as XXXX  number to call and text. XXXX sent a XXXX message a certificate of ownership for the apartment complex XXXX XXXX XXXX, XXXX, CA, and that XXXX XXXX XXXX was the owner of the complex. This was proof for XXXX that this rental was not a scam. \n\nXX/XX/2019 XXXX told XXXX inorder to move into the apartment on XX/XX/2019 she had to wire XXXX {$1700.00} to for the apartment deposit XXXX ACCOUNT INFO ACCOUNT NAME : XXXX XXXX XXXX ADDRESS:1704 XXXX XXXX, XXXX , MD XXXX ACCOUNT NUMBER : XXXX ROUTING NUMBER : XXXX SWIFT CODE : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX. \nI wire {$1600.00} minus the wire fee of the {$1700.00} to the above account to hold the apartment in XXXX XXXX on XX/XX/2019, because my daughter told me that the rental was checked out by her. I wired the monies to the above account for the apartment. I text XXXX a copy of the bank wire receipts. I text XXXX XXXX XXXX asking for a copy of the receipt. XXXX told my daughter she will send the receipt for the bank wire on XX/XX/2019. \nOn XX/XX/2019 XXXX said she still havent received the monies from the wire transfer but she could move in on XX/XX/2019 at XXXX. XXXX said she was at work and couldnt meet us until after work at XXXX. \nOn XX/XX/2019 at XXXX we went to XXXX XXXX XXXX, XXXX, CA. There was no one there to provide keys to the apartment. XXXX did not answer the phone and did I learn when we arrived to the location, that the apartments were managed by XXXX XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX representative informed us that XXXX XXXX XXXX is not the owner. The XXXX XXXX is not associate with XXXX XXXX XXXX. At XXXX we went to the XXXX police station and filed a police report. Office XXXX badge # XXXX ( XXXX ) XXXX report # XXXX. XXXX XXXX Police Department Police Headquarters, Report Management Section,  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. After, I learned that I was scammed by XXXX XXXX XXXX and XXXX XXXX. I contact XXXX their fraud department, and the department was closed.I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. I informed XXXX of the fraudulent transaction, the representative said she will email the wire department, but I must contact my bank to start the wire recall. \nOn XX/XX/2019 XXXX said she forgot her phone in the car and will meet us tomorrow. Again no show and no call. I have repeatedly requested for the monies to be returned to us. XXXX claims she never got the money. I contacted XXXX fraud department and they referred me to call the wire department. There was nothing that the fraud department could do to help me but freeze my accounts. The XXXX wire department was closed till Monday. The wire department business hours are Monday to Friday from XXXX to XXXX. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. I told a representative at XXXX I had a police report number, the representative said they can only accept it from the police department and/or XXXX. \nXX/XX/2019 I research XXXX XXXX XXXX XXXX account. I notice she didnt have any friends on her XXXX. However, XXXX XXXX XXXX profile picture was liked by 3 people who are located in XXXX. Those individuals XXXX XXXX, XXXX, and XXXX XXXX are living in XXXX. I believe they are involved with the rental scam. I researched XXXX XXXX their agent for service is also XXXX, whom is living in Maryland. The agent for service for XXXX XXXX is XXXX XXXX located XXXX XXXX XXXX XXXX XXXX, MD XXXX. XXXX XXXX is still active. I have XXXX pictures, names and profiles of all parties involved. I have the Maryland Tax ID for XXXX XXXX. I learn that XXXX doesnt have a bank in XXXX. My research on rental scams work by having individuals in the US pick up the money, keep a percentage and wire the rest to XXXX. I contacted the wire department XXXX ( XXXX ) XXXX. The representative from the wire department informed me, that in 24 to 48 hrs they would process the bank wire recall. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. XXXX representative said they will need a Hold Harmless letter from XXXX. \nXX/XX/2019 I contacted the wire department and there was no update. I informed the XXXX Wire department that XXXX is going to request a Hold Harmless Letter. The representative informed me not to worry they will take care of it, they know what they are doing and its still being processed. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. \nXX/XX/2019 I contacted the XXXX wire department. A representative told me, Im ma'am but the bank recall was denied by the other bank. There is nothing we can do. I ask to speak to a manager. After 30 minutes of being on hold, I was transferred to manager XXXX. XXXX said he will escalate the case their investigators because XXXX is requesting a Hold Harmless letter. XXXX said, It doesnt seem like they want to return the money. I informed XXXX that the account was still open and the funds are in the account. XXXX said an investigator will call me within 24 to 48hrs. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. \nXX/XX/2019 I called XXXX wire department to inform them that I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. I offered the police report number to XXXX, but they refused. No update from XXXX wire department on when the investigator will call me. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. \nXX/XX/2019 XXXX claims she is not giving me back my money because I contacted her bank ( XXXX ). She reports that XXXX closed their accounts. I reported the incident to the FBI. \nI had a missed call at XXXX, ( which is outside normal business hours ). I called back the number, which was the same as the XXXX wire department. I called back XXXX wire department. The representative said that was nothing he can do to help me connect with the investigator that tried to call me. I requested to be transferred to XXXX. XXXX said he will email them about calling me back within normal business hours. XXXX said he will email XXXX to inform them that a Hold Harmless letter is being processed. XXXX said he would call me back with an update. XXXX did not call back. When I called back at XXXX, I was on hold for 45 minutes and then disconnected. I was hung up on many times by representatives, when I was calling the XXXX wire department to follow up with the investigators. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. \nXXXX XXXX XXXX weekend all offices were closed. \nXX/XX/2019 I had to call the wire department 20 times. Finally, I was transferred to XXXX, he said the investigators will not be calling me back. I need to print out everything I had and take it to my local bank and they can fax or email them the information. I went to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX. I handed over everything I had printed out of screenshots from emails, XXXX messages, copy of the lease agreement, text messages and police report number to XXXX XXXX ( Branch Manager Vice President ). XXXX said, he doesnt have any communication with the wire department or their emails. I gave him the wire department phone number and case number. He said he was really busy and will do it when he can. I return two hours later, XXXX said, he called and talked to the XXXX wire department and sent an internal tol the wire department. XXXX said there is nothing he can do, that I will have to contact the wire department. \nXX/XX/2019 I contacted XXXX wire department I was hung up on by an employee name XXXX in the wire department and refused to transfer me to XXXX. XXXX yelled and argued with me because I did not know the exact amounts in my bank accounts, and account number. He refused to look up my account by my social security number, address and case number. I learned from another representative that XXXX never sent the email to XXXX XXXX   letting them know that XXXX was working on this account. When I finally talked to XXXX, he informed me that he has received my documents. For me to go to my local banker for more information. \nXX/XX/2019 I called XXXX Wire Department for 3 hours. XXXX kept refusing to talk to me. I was told by a wire representative to go to my local bank they have the answers for me. XXXX said that he doesnt have any information for me, and I had to call the wire department. After four more hours of calling the XXXX wire department, I finally talked to XXXX. XXXX said my Hold Harmless letter request was denied. I ask why, he refused to give me a reason. I call XXXX in tears. I was transferred to XXXX wire fraud department and talked to XXXX. XXXX took my information, police report number, and ask if I can provide them with records of emails, text messages and police report. I said, Yes, I can! I told XXXX that I had everything except the police report that it takes weeks or days for XXXX  police to email me the report, but I had the badge number, phone, and police report number. XXXX said she will send an email to put the Hold Harmless investigations in motion. XXXX said for me to call the wire department to do another recall request, and for them to forward the information I sent them. I called XXXX wire department, it took three hours before I could talk to someone without hanging up on me. I informed the XXXX wire representatives about what XXXX from XXXX told me, and the representatives said repeatedly that the Hold Harmless was denied.. The representatives from XXXX wire department kept hanging up on me and refused to transfer me to the manager. I finally got into contact with XXXX, who I informed what XXXX told me. XXXX said we will do another recall that day. XXXX said, but they dont want to give you back your money thats why they are asking for a Hold Harmless letter. I explained this is their procedure. They need to justify why they are returning the money. XXXX again told me to talk to XXXX. XXXX told me to call the wire department. XXXX called the wire department. XXXX called back and said it looks like XXXX doesnt want to give you back your money, XXXX told him that they did 3 to 4 wire recalls on this account. I informed everyone the account at XXXX for XXXX XXXX was still open and the funds are still there. \nXX/XX/2019 XXXX called me at XXXX and said he will take my complaints to the executive branch. He said he is trying to help me and doesnt know why the XXXX wire department keeps sending me back to him. He said someone should be calling me by Tuesday. I called XXXX Wire department at XXXX. I was on hold for 30 minutes. I talked to XXXX from the XXXX wire department, I gave him my name and that I wanted an update on my wire recall. He ask me for my account number, I told him I didnt have it. XXXX hung up on me. At XXXX I called the XXXX wire department. XXXX said no bank recall was done, in fact only one recall that was done on this account. The Hold Harmless was denied and the case is closed. I requested to get transfer to XXXX and he said another recall will not be done because they will just ask for another Hold Harmless Letter. XXXX said he sent an email to XXXX requesting the money to be returned without a Hold Harmless Letter. I talked to XXXX they informed me that only one bank wire recall was done. When they ask for the Hold Harmless letter, they thought the wire recall was abandoned because XXXX did not respond to their request. Again the representatives from the XXXX wire department lied to me. \nXX/XX/2019 at XXXX XXXX from Chase Executive department called me that they received my my complaint from the FTC . I would get a response in 15 days. I requested that the documents I sent to XXXX to be forwarded to XXXX. XXXX said she will look into it and let me know if they can send the documents. XXXX did explain that a Hold Harmless letter states XXXX is not at fault for this transaction, that is why a Hold Harmless Letter is  difficult for them to do for me. At XXXX I talked to XXXX from XXXX Wire Department. She said that there was no response from XXXX regarding XXXX email to them. She said that another wire recall will not be completed because it will cause them to create another case. I called XXXX wire department and talked to XXXX. She said since Im not a XXXX client she cant take any information from me. \nXX/XX/2019 XXXX I talked to XXXX from XXXX Wire Department. XXXX said that the Hold Harmless letter was denied. ( Which I did not ask about ). XXXX said that the email was sent from XXXX to XXXX XX/XX/2019 at XXXX. She said that XXXX replied XX/XX/2019 at XXXX that the request requires a Hold Harmless letter. When I repeated what XXXX said, XXXX began to say she meant regarding the Executive investigation. However, I was very clear about what I was talking about and what email I was referring to in my phone conversation. This is my biggest issue with XXXX is the poor communication. I feel that both of the banks are lying to me and do not care because its not their money. At XXXX I got a call from XXXX Executive department that they received my complaint from FTC , the individual said XXXX XXXX is assigned to my case. I will get a response in 15 days. \nMy complaint with XXXX is their unwillingness to investigate the fraud. Its extremely unethical to allow someone to use XXXX as a means to commit fraud. \nMy complaint is that XXXX is not doing to due diligence in helping me. XXXX wire department are not willing to do the Hold Harmless letter because its just too much work for them. They are refusing to send the documents to XXXX because their intentions are to punish my family and I for being scammed. I feel that if I wasnt a minority I would have been provided with better customer service and a Hold Harmless letter would have been provided. My family life savings are in these accounts that are intended for my daughters college tuition. By losing this money we are distressed and my daughter is becoming XXXX. My daughter is set back in her education because of this. Every penny we need for her college education. XXXX wire department is destroying lives for people of XXXX. Please help me. \n\nThank you, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX","date_sent_to_company":"2019-09-14T04:44:44.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"91744","tags":null,"has_narrative":true,"complaint_id":"3374220","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC","date_received":"2019-09-14T04:30:19.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["XXXX said, but they dont want to give you back <em>your</em> <em>money</em> thats why they are asking for a Hold Harmless letter. I explained this is their procedure. They need to justify why they are returning the <em>money</em>. XXXX again told me to talk to XXXX. XXXX told me to call the wire department. XXXX called the wire department. XXXX called back and said it looks like XXXX doesnt want to give you back <em>your</em> <em>money</em>, XXXX told him that they did 3 to 4 wire recalls on this account."],"product":["<em>Money</em> transfer, virtual currency, or <em>money</em> service"],"issue":["<em>Fraud</em> or scam"],"sub_product":["Domestic (US) <em>money</em> transfer"]},"sort":[9.695583,"3374220"]},{"_index":"complaint-public-v1","_id":"3849454","_score":9.667777,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"This is the thread with PayPal : Hi! I'm your PayPal Assistant. I can help with common questions like \" what's the status of my dispute '' or \" I want a refund ''. \n\n\nIf I can't help, I'll transfer your message to an agent. \n\nXXXX XXXX - PayPal Assistant My account was hacked. They took {$1000.00} on XX/XX/20 and transferred to another account. I have changed my Password. I need a refund ASAP and I will report to Consumer Protection Bureau. My English website was in XXXX when I logged in. \n\nXXXX XXXX I found some articles in our Help Center that might help you. Check them out! If you need more help, please type need more help ''. \n\n\nHow do I add money to my PayPal account? \nDo I need to verify my account before I can accept or withdrawal donations from my account? \nHow do I change the name on my PayPal account? \n\nXXXX XXXX - PayPal Assistant My account had a fraudulent transaction for {$1000.00}. My account was switched from English to XXXX and the money was transferred to another PayPal account. \n\nXXXX XXXX Would you like to send this conversation to a customer support agent? We typically respond within a few hours. \n\nXXXX XXXX - PayPal Assistant Yes XXXX XXXX If you haven't already, let us know why you're contacting us. Feel free to step away and we'll notify you by email or push notification when we've responded. \n\nXXXX XXXX - PayPal Assistant My account was hacked. They took {$1000.00} on XX/XX/20 and transferred to another account. I have changed my Password. I need a refund ASAP and I will report to Consumer Protection Bureau. My English website was in XXXX when I logged in My account was hacked. They took {$1000.00} on XX/XX/20 and transferred to another account. I have changed my Password. I need a refund ASAP and I will report to Consumer Protection Bureau. My English website was in XXXX when I logged in. \n\nMy account was hacked. They took {$1000.00} on XX/XX/20 and transferred to another account. I have changed my Password. I need a refund ASAP and I will report to Consumer Protection Bureau. My English website was in XXXX when I logged in. \n\nXXXX XXXX ME Hello, XXXX! This is XXXX with PayPal Messaging Assistance and I'll be helping to resolve your account needs today. \n\nXXXX XXXX - XXXX ME PayPal doesnt know exactly how this occurred, when Account Take Over ( ATO ) occurs, its usually the result of accidentally clicking on a link to a fraudulent website and entering login credentials. The fraudster will capture this information and will sometimes use this information for malicious intent. More information about how this can happen and what you can do to prevent it from happening again can be found in PayPals Help Center. \n\nIf you've already taken the necessary steps to secure your PayPal account and have regained access, your account is secure and no further action needed. \nHowever, after the {$1000.00} is in your PayPal account, you may either send the funds back to your bank account or you can keep it in your PayPal account balance and use it for making purchases or sending money. \n\nXXXX XXXX - XXXX ME This issue is now being worked with priority. Our Risk Product team is currently investigating how the fraudster managed to get access to the accounts. \n\nI apologize for any inconvenience and assure you that we are actively working to resolve the issue. \n\nXXXX XXXX - XXXX ME Feel free to reply whenever you're ready and we'll reply as soon as we can. Stay safe! \n\nXXXX XXXX  - XXXX I want my {$1000.00} put back in my account ASAP! I am calling a lawyer tomorrow if this is not resolved today. I spent 2.5 hours of work time trying to reach you and resolve. I verified my account was hacked on XX/XX/20, language and phone contact changed. I have updated all security items and unlinked my bank. How do I safely take out the {$1000.00} in the account? \n\nXXXX XXXX ME Hi XXXX! My name is XXXX. I apologize for the inconvenience it had caused you. You can transfer the funds back to your bank/card since it is already available on your balance. ( XXiPhoneXX ) You can transfer money in your PayPal Cash account or PayPal Cash Plus account balance to a bank account linked to your PayPal account. Heres how : Log in to the PayPal Here app and tap Preferences ( button in the upper left corner ) Tap Profile and then tap PayPal Balance. \n\nTap Transfer Funds. \n\nSelect which bank account you would like to transfer the money in to. \n\nEnter the amount to be transferred and then tap Transfer. \n\nTap Confirm. \n\nTap Done. \n\n( XXAndroidXX ) You can transfer money in your PayPal Cash account or PayPal Cash Plus account balance to a bank account linked to your PayPal account. Heres how : Log in to the PayPal Here app and tap Settings. \n\nTap Profile and then tap PayPal Balance. \n\nTap Transfer Funds. \n\nSelect which bank account you would like to transfer the money in to. \n\nEnter the amount to be transferred and then tap Transfer. \n\n\nXXXX XXXX - XXXX XXXX Messages are worked in the order theyre received and well send you a notification to your app, PayPal account, and email you when we reply. Thank you. \n\nREAD MY MESSAGE : MY BANK ACCOUNT WAS COMPROMISED BY PAYPAL. PAYPAL OWES ME {$1000.00} FROM A WITHDRAWAL ON XX/XX/20 TO ANOTHER PAYPAL ACCOUNT. THERE WERE TWO UNAUTHORIZED WITHDRAWALS FROM MY BANK ACCOUNT TO PAYPAL ON XX/XX/20 AND XX/XX/20. PAYPAL SECURITY IS A JOKE. I WILL HAVE A LAWYER CONTACT YOU TOMORROW. I NEED THE {$1000.00} PAYPAL ALLOWED TO BE TRANSFERRED TO A XXXX ACCOUNT. THE INITIAL COMPROMISE WAS ON XX/XX/20 WHEN MY PAGE WAS SWITCHED TO FRENCH ( PER YOUR EXTREMELY POOR PHONECUSTOMER SERVICE CENTER ) I AM A NURSE. I AM NOT RICH. PROVIDE A REFUND OF MY {$1000.00} ASAP AND I WILL CLOSE MY ACCOUNT. \n\nWHERE IS THE FILE THAT WAS LOCATED IN THE MESSAGE CENTER THIS AFTERNOON? \n\nI HAVE FILED A COMPLAINT : XXXX : XXXX https : //www.consumerfinance.gov/complaint/ XXXX XXXX Timeline : XX/XX/20 : {$1000.00} unauthorized transaction from my XXXX account to PayPal XXXX Paypal customer service confirmed my account had a phone # added on this day and was switched from English to XXXX. \nXX/XX/20 : {$1000.00} \" Instant withdrawal '' from my Paypal account to another Paypal account. Paypal customer service said it was to credit card for which I do not have possession. \nAnother unauthorized {$1000.00} was transferred from my XXXX account to PayPal = {$2000.00} of unauthorized funds transferred from my XXXX account. There is currently {$1000.00} still in my PayPal account. I have had {$1000.00} of fraud incurred for which I need a refund by PayPal.","date_sent_to_company":"2020-09-17T05:40:24.000Z","issue":"Other transaction problem","sub_product":"International money transfer","zip_code":"80403","tags":null,"has_narrative":true,"complaint_id":"3849454","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2020-09-17T00:44:00.000Z","state":"CO","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I have had {$1000.00} of <em>fraud</em> incurred for which I need a refund by PayPal."],"product":["<em>Money</em> transfer, virtual currency, or <em>money</em> service"],"sub_product":["International <em>money</em> transfer"]},"sort":[9.667777,"3849454"]},{"_index":"complaint-public-v1","_id":"3366072","_score":9.567715,"_source":{"product":"Checking or savings account","complaint_what_happened":"Chase case number # XXXX Events that cause the bank wire : XX/XX/2019 my daughter XXXX began communication with XXXX XXXX XXXX on XXXX. XXXX XXXX XXXX has an ad on XXXX for an apartment. XXXX XXXX XXXX gave XXXX XXXX ( XXXX ) XXXX number to call and text. XXXX sent a text XXXX a certificate of ownership for the apartment complex XXXX XXXX XXXX, XXXX, CA. \nXX/XX/2019 XXXX told XXXX in order to move into the apartment on XX/XX/2019 she had to wire XXXX {$1700.00} to for the apartment deposit XXXX ACCOUNT INFO ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , MD XXXX ACCOUNT NUMBER : XXXX ROUTING NUMBER : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX md XXXX. \nI wire the monies to the above account to hold the apartment in XXXX XXXX on XX/XX/2019. I text XXXX XXXX XXXX the copy of the receipt. \nXXXX told my daughter she will send the receipt for the bank wire on XX/XX/2019. \nOn XX/XX/2019 XXXX said she still havent received the monies from the wire transfer but she could move in on XX/XX/2019 at XXXX. XXXX said she was at work and couldnt meet us until after work at XXXX. \nOn XX/XX/2019 at XXXX we went to XXXX XXXX XXXX, XXXX, CA. There was no one there to provide keys to the apartment. XXXX did not answer the phone and did The apartments were managed by XXXX XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX informed us that XXXX XXXX XXXX is not the owner. The XXXX XXXX is not associate with XXXX XXXX XXXX. At XXXX we went to the XXXX police station and filed a report. Office XXXX badge # XXXX ( XXXX ) XXXX report # XXXX. \nOn XX/XX/2019 XXXX said she forgot her phone in the car and will meet us tomorrow. Again no show and no call. I have repeatedly requested for the monies to be returned to us. XXXX claims she never got the money. \nXX/XX/2019 I research XXXX XXXX XXXX XXXX account. I notice she didnt have any friends on her XXXX. However, XXXX XXXX XXXX picture was liked by 3 people who are located in XXXX. I researched XXXX XXXX their agent for service is also XXXX living in Maryland. I have XXXX pictures, names and profiles of all parties involved. I have the Maryland Tax ID for XXXX XXXX. \nXX/XX/2019 XXXX claims she is not giving me back my money because I contacted her bank XXXX. I reported the incident to the FBI. \nPlease help me get the funds back. \nComplaints about Chase : Case # XXXX Chase XX/XX/2019 I learned that I was scammed by XXXX XXXX XXXX and XXXX XXXX. I contact Chase their fraud department was closed. \nXX/XX/2019 I contacted Chase fraud department and they referred me to call the wire department. Their wire department was closed till Monday. I talked to XXXX the account is still active and funds are available for the amount of {$1600.00}. \nXX/XX/2019 I contacted the wire department XXXX ( XXXX ) XXXX. They said in 24 to 48 hrs they would process the bank wire recall. \nXX/XX/2019 I contacted the wire department and no update. I informed them that XXXX is going to request a Hold Harmless Letter. The representative informed me that not to worry they will take care of it and its still processing. I talked to XXXX the account is still active and funds are available for the amount of {$1600.00}. \nXX/XX/2019 I contacted the wire department. A representative told me, Im mama but the bank recall was denied by the other bank. There is nothing we can do. I ask to speak to a manager. After a 30 minutes of being on hold, I was transferred to manager XXXX. XXXX said he will escalate this to the investigators because XXXX is requesting a Hold Harmless letter. That it doesnt seem like they want to return the money. I informed Chase that the account was still open and the funds are in the account. XXXX said an investigator will call me within 24 to 48hrs. I talked to XXXX the account is still active and funds are available for the amount of {$1600.00}. \nXX/XX/2019 I called Chase wire department to informed them that the account with XXXX is still open and the funds are still in the account. I offered the police report number and they refused. No update on when the investigator will call me. I talked to XXXX the account is still active and funds are available for the amount of {$1600.00}. \nXX/XX/2019 I had a missed call at XXXX, ( which is outside normal business hours ). I called back the wire department and was transferred to XXXX. XXXX said he will email them about calling me back within normal business hours. XXXX said he will email XXXX to inform them that a Hold Harmless letter is being processed. XXXX said he would call me back. No call back. When I called back I was on hold for 45 minutes and then disconnected. I was hung up on many times when I was trying to follow up with the investigators. I talked to XXXX the account is still active and funds are available for the amount of {$1600.00}. \nXXXX XXXX XXXX weekend all offices were closed. \nXX/XX/2019 I had to call the wire department 20 times. Finally, I was transferred to XXXX, he said the investigators will not be calling me back. I need to print out everything I had and take it to my local bank and they can fax or email them the information. I went to Chase bank XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX. I handed over everything I had screenshots of emails, XXXX messages, copy of the lease agreement, text messages and police report number to XXXX XXXX ( Branch Manager Vice President ). XXXX said, he doesnt have any communication with the wire department or their email. I gave him the wire department number and case number. He said he was really busy and will do it when he can. I return two hours later, he said he email the wire department. XXXX said there is nothing he can do, that I will have to contact the wire department. \nXX/XX/2019 I contacted the wire department and XXXX informed me that they have received my documents. For 4 hours prior to talking to XXXX, I was hung up on by XXXX in the wire department and refused to transfer me to XXXX. XXXX yelled and argued with me because I did not know the exact amounts in my bank accounts. He refused to look up my account by my social security number, address and case number. I learned from another representative that XXXX never sent the email to XXXX bank letting them know that Chase was working on this account. \nXX/XX/2019 I called for 3 hours. XXXX refused to talk to me. I was told by a wire representative to go to my local bank they have the answers for me. XXXX said that he doesnt have any information for me, and I had to call the wire department. After four hours of calling I talked to XXXX. XXXX said my Hold Harmless letter request was denied. I ask why, he refused to give me a reason. I call XXXX in tears. I was transferred to their wire fraud department and talked to XXXX. XXXX took my information, police report number, and ask if I can provide them with records of emails, text messages and police report. I said I had everything except the police report that it takes days for XXXX police to email me the report, but I had the badge number, phone, and police report number. XXXX said she will send an email to put the Hold Harmless investigations in motion. XXXX said for me to call the wire department to do another recall request, and for them to forward the information I sent them. I called back for three hours. The representatives kept hanging up on me and refused to transfer me to the manager. I finally got into contact with XXXX who I informed what XXXX told me. XXXX said we will do another recall but they dont want to give you back your money thats why they are asking for a Hold Harmless letter. I explained this is their procedure. They need to justify why they are returning the money. XXXX again told me to talk to XXXX. XXXX told me to call the wire department. XXXX called the wire department and said it looks like XXXX doesnt want to give you back your money. I informed everyone the account was still open and the funds are still there. \nXX/XX/2019 XXXX called me at XXXX and said he will take my complaints to the executive branch. He said he is trying to help me and doesnt know why the wire department keeps sending me back to him. He said someone should be calling me by Tuesday.. I called Wire department at XXXX. I was on hold for 30 minutes. I talked to XXXX from the wire department, I gave him my name and that I wanted an update on my wire recall. He ask me for my account number, I told him I didnt have it. XXXX hung up on me. At XXXX I called the wire department. XXXX said no bank recall was done, in fact only one was done. The Hold Harmless was denied and the case is closed. I requested to get transfer to XXXX and he said another recall will not be done because they will just ask for another Hold Harmless Letter. XXXX sent an email to XXXX requesting the money to be returned without a Hold Harmless Letter. Again the Wire department lied to me. \nMy complaint is that Chase is not doing to due diligence in helping me. Chase wire department are not willing to do the Hold Harmless letter because its just too much work for them. They are refusing to send the documents to XXXX because their intentions is to punish my family and I for being scammed. I am requesting that the FTC investigated the consumer practices of Chase bank. I feel that if I wasnt a minority I would have been provided with better customer service and a Hold Harmless letter would have been provided. My family life savings are in these accounts that are intended for my daughter to go to college. By losing this money we are distressed and my daughter is becoming XXXX. My daughter is set back in her education because of this. Every penny we  need for her college education. Chase is destroying lives for people of color. Please help me. \nThank you,","date_sent_to_company":"2019-09-06T22:22:21.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Savings account","zip_code":"92551","tags":null,"has_narrative":true,"complaint_id":"3366072","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-09-06T21:56:53.000Z","state":"CA","company_public_response":null,"sub_issue":"Can't stop withdrawals from your account"},"highlight":{"complaint_what_happened":["XXXX said we will do another recall but they dont want to give you back <em>your</em> <em>money</em> thats why they are asking for a Hold Harmless letter. I explained this is their procedure. They need to justify why they are returning the <em>money</em>. XXXX again told me to talk to XXXX. XXXX told me to call the wire department. XXXX called the wire department and said it looks like XXXX doesnt want to give you back <em>your</em> <em>money</em>. I informed everyone the account was still open and the funds are still there."],"issue":["Problem with a lender or other company charging <em>your</em> account"],"sub_issue":["Can't stop withdrawals from <em>your</em> account"]},"sort":[9.567715,"3366072"]},{"_index":"complaint-public-v1","_id":"3373929","_score":9.561455,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/2019 I found the same rental scammers that scammed me on XX/XX/2019. I contact XXXX XXXX on XXXX in XXXX XXXX XXXX University Off-Campus Housing. \nXX/XX/2019 XXXX XXXX emailed me a lease that is identical to rental scam on XX/XX/2019. XXXX XXXX messaged me to deposit {$1500.00} into her Bank of America account. I called Bank of America about the rental scammers using Bank Of America banking institution as away to scam people in order to send money to XXXX. The representative was not interested in taking my information. I am requesting that Bank of America investigates this account, close the account and report their findings to the local police of the account holder. \nThe account information is below : Bank of America account no:XXXX. \nAct name : XXXX XXXX. \nRouting number XXXX XX/XX/2019 Parties involved : XXXX XXXX Bank address : XXXX XXXX, XXXX XXXX XXXX   XXXX Account Holder Name : XXXX XXXX XXXX XXXX : Account number :XXXX Routing :XXXX Home Address:XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   Rental Property XXXX XXXX XXXX, XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/2019 I saw a rental listing that was identical to the scam rental I was a victim to on XX/XX/2019. I contacted XXXX XXXX XXXX regarding the rental. XXXX emailed me an identical lease as to the one that was sent on XX/XX/2019 for the rental scam. \n\nXX/XX/2019 XXXX requested a {$1700.00} deposit via bank wire to Name : XXXX XXXX Account number :XXXX Routing :XXXX  XXXX XXXX Bank address : XXXX XXXX, XXXX XXXX XXXX XXXX Home Address:XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX Account number :XXXX Routing :XXXX XXXX XXXX. \nI called XXXX XXXX to notify them of the fraud. I talked to XXXX in the fraud that said he will message the wire fraud department. I offered the police report and informed them that a team of individuals are committing fraud. XXXX was not interested in getting the information. I contacted XXXX   police ( XXXX ) XXXX and they were not interested in taking the report. As a matter of fact, no police station cares about these rental scams. Not the XXXX, XXXX police and XXXX. Thats why these criminals can scam over {$20000.00} a month to Americans. \nThese individuals are using US banks having Americans wire money to XXXX as rental scams. \nI want XXXX XXXX  to investigate these accounts to help stop the fraud. \n\nXX/XX/2019 XXXX XXXX ( XXXX ) XXXX XXXX case number Case # XXXX Parties Involved : XXXX XXXX XXXX XXXX XXXX BANK ADDRESS:XXXX  XXXX XXXX, XXXX , XXXX XXXX ACCOUNT NUMBER : XXXX ROUTING NUMBER : XXXX XXXX XXXX : XXXX XXXX XXXX Resident Agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX XXXX XXXX # XXXX ( XXXX ) XXXX XXXX XXXX Headquarters XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX Wire Department XXXX ( XXXX ) XXXX XXXX Fraud Department XXXX ( XXXX ) XXXX XXXX Headquarters XXXX XXXX XXXX XXXX   XXXX , XXXX XXXX Chain of Events : XX/XX/2019 my daughter XXXX XXXX began communications with XXXX XXXX XXXX on XXXX . XXXX XXXX XXXX had an ad on XXXX for an apartment. The rental was for {$850.00} a month on XXXX XXXX XXXX, XXXX, XXXX. XXXX lives at XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. XXXX was looking for a rental in XXXX XXXX, because she is attending XXXX XXXX XXXX. XXXX XXXX XXXX gave XXXX +XXXX  ( XXXX ) XXXX as XXXX number to call and text. XXXX sent a XXXX message a certificate of ownership for the apartment complex XXXX XXXX XXXX, XXXX, XXXX, and that XXXX XXXX XXXX was the owner of the complex. This was proof for XXXX that this rental was not a scam. \n\nXX/XX/2019 XXXX told XXXX inorder to move into the apartment on XX/XX/2019 she had to wire XXXX {$1700.00} to for the apartment deposit XXXX ACCOUNT INFO ACCOUNT NAME : XXXX XXXX BANK  ADDRESS:XXXX XXXX XXXX, XXXX , XXXX XXXX ACCOUNT NUMBER : XXXX ROUTING NUMBER : XXXX SWIFT CODE : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. \nI wire {$1600.00} minus the wire fee of the {$1700.00} to the above account to hold the apartment in XXXX XXXX on XX/XX/2019, because my daughter told me that the rental was checked out by her. I wired the monies to the above account for the apartment. I text XXXX a copy of the bank wire receipts. I text XXXX XXXX XXXX asking for a copy of the receipt. XXXX told my daughter she will send the receipt for the bank wire on XX/XX/2019. \nOn XX/XX/2019 XXXX said she still havent received the monies from the wire transfer but she could move in on XX/XX/2019 at XXXX. XXXX said she was at work and couldnt meet us until after work at XXXX. \nOn XX/XX/2019 at XXXX we went to XXXX XXXX XXXX, XXXX, XXXX. There was no one there to provide keys to the apartment. XXXX did not answer the phone and did I learn when we arrived to the location, that the apartments were managed by XXXX XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX representative informed us that XXXX XXXX XXXX is not the owner. The XXXX XXXX is not associate with XXXX XXXX XXXX. At XXXX we went to the XXXX police station and filed a police report. Office XXXX badge # XXXX ( XXXX ) XXXX report # XXXX. XXXX XXXX Police Department Police Headquarters, Report Management Section, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. After, I learned that I was scammed by XXXX XXXX XXXX and XXXX XXXX. I contact XXXX their fraud department, and the department was closed.I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. I informed XXXX of the fraudulent transaction, the representative said she will email the wire department, but I must contact my bank to start the wire recall. \nOn XX/XX/2019 XXXX said she forgot her phone in the car and will meet us tomorrow. Again no show and no call. I have repeatedly requested for the monies to be returned to us. XXXX claims she never got the money. I contacted XXXX fraud department and they referred me to call the wire department. There was nothing that the fraud department could do to help me but freeze my accounts. The XXXX wire department was closed till Monday. The wire department business hours are Monday to Friday from XXXX to XXXX. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. I told a representative at XXXX I had a police report number, the representative said they can only accept it from the police department and/or XXXX. \nXX/XX/2019 I research XXXX XXXX XXXX XXXX account. I notice she didnt have any friends on her XXXX. However, XXXX XXXX XXXX profile picture was liked by 3 people who are located in XXXX. Those individuals XXXX XXXX, XXXX, and XXXX XXXX are living in XXXX. I believe they are involved with the rental scam. I researched XXXX XXXX their agent for service is also XXXX, whom is living in XXXX. The agent for service for XXXX XXXX is XXXX XXXX located XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. XXXX XXXX is still active. I have XXXX pictures, names and profiles of all parties involved. I have the XXXX  Tax ID for XXXX XXXX. I learn that XXXX doesnt have a bank in XXXX. My research on rental scams work by having individuals in the US pick up the money, keep a percentage and wire the rest to XXXX. I contacted the wire department XXXX ( XXXX ) XXXX. The representative from the wire department informed me, that in 24 to 48 hrs they would process the bank wire recall. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. XXXX representative said they will need a Hold Harmless letter from XXXX. \nXX/XX/2019 I contacted the wire department and there was no update. I informed the XXXX Wire department that XXXX is going to request a Hold Harmless Letter. The representative informed me not to worry they will take care of it, they know what they are doing and its still being processed. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. \nXX/XX/2019 I contacted the XXXX wire department. A representative told me, Im ma'am but the bank recall was denied by the other bank. There is nothing we can do. I ask to speak to a manager. After 30 minutes of being on hold, I was transferred to manager XXXX. XXXX said he will escalate the case their investigators because XXXX is requesting a Hold Harmless letter. XXXX said, It doesnt seem like they want to return the money. I informed XXXX that the account was still open and the funds are in the account. XXXX said an investigator will call me within 24 to 48hrs. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. \nXX/XX/2019 I called XXXX wire department to inform them that I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. I offered the police report number to XXXX, but they refused. No update from XXXX wire department on when the investigator will call me. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. \nXX/XX/2019 XXXX claims she is not giving me back my money because I contacted her bank ( XXXX ). She reports that XXXX closed their accounts. I reported the incident to the FBI. \nI had a missed call at XXXX, ( which is outside normal business hours ). I called back the number, which was the same as the XXXX wire department. I called back XXXX wire department. The representative said that was nothing he can do to help me connect with the investigator that tried to call me. I requested to be transferred to XXXX. XXXX said he will email them about calling me back within normal business hours. XXXX said he will email XXXX to inform them that a Hold Harmless letter is being processed. XXXX said he would call me back with an update. XXXX did not call back. When I called back at XXXX, I was on hold for 45 minutes and then disconnected. I was hung up on many times by representatives, when I was calling the XXXX wire department to follow up with the investigators. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. \nXXXX XXXX XXXX weekend all offices were closed. \nXX/XX/2019 I had to call the wire department 20 times. Finally, I was transferred to XXXX, he said the investigators will not be calling me back. I need to print out everything I had and take it to my local bank and they can fax or email them the information. I went to Chase bank XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( XXXX ) XXXX. I handed over everything I had printed out of screenshots from emails, XXXX messages, copy of the lease agreement, text messages and police report number to XXXX XXXX ( Branch Manager Vice President ). XXXX said, he doesnt have any communication with the wire department or their emails. I gave him the wire department phone number and case number. He said he was really busy and will do it when he can. I return two hours later, XXXX said, he called and talked to the XXXX wire department and sent an internal tol the wire department. XXXX said there is nothing he can do, that I will have to contact the wire department. \nXX/XX/2019 I contacted XXXX wire department I was hung up on by an employee name XXXX in the wire department and refused to transfer me to XXXX. XXXX yelled and argued with me because I did not know the exact amounts in my bank accounts, and account number. He refused to look up my account by my social security number, address and case number. I learned from another representative that XXXX never sent the email to XXXX bank letting them know that XXXX was working on this account. When I finally talked to XXXX, he informed me that he has received my documents. For me to go to my local banker for more information. \nXX/XX/2019 I called XXXX Wire Department for 3 hours. XXXX kept refusing to talk to me. I was told by a wire representative to go to my local bank they have the answers for me. XXXX said that he doesnt have any information for me, and I had to call the wire department. After four more hours of calling the XXXX wire department, I finally talked to XXXX. XXXX said my Hold Harmless letter request was denied. I ask why, he refused to give me a reason. I call XXXX in tears. I was transferred to XXXX wire fraud department and talked to XXXX. XXXX took my information, police report number, and ask if I can provide them with records of emails, text messages and police report. I said, Yes, I can! I told XXXX that I had everything except the police report that it takes weeks or days for XXXX  police to email me the report, but I had the badge number, phone, and police report number. XXXX said she will send an email to put the Hold Harmless investigations in motion. XXXX said for me to call the wire department to do another recall request, and for them to forward the information I sent them. I called XXXX wire department, it took three hours before I could talk to someone without hanging up on me. I informed the XXXX wire representatives about what XXXX from XXXX told me, and the representatives said repeatedly that the Hold Harmless was denied.. The representatives from XXXX wire department kept hanging up on me and refused to transfer me to the manager. I finally got into contact with XXXX, who I informed what XXXX told me. XXXX said we will do another recall that day. XXXX said, but they dont want to give you back your money thats why they are asking for a Hold Harmless letter. I explained this is their procedure. They need to justify why they are returning the money. XXXX again told me to talk to XXXX. XXXX told me to call the wire department. XXXX called the wire department. XXXX called back and said it looks like XXXX doesnt want to give you back your money, XXXX told him that they did 3 to 4 wire recalls on this account. I informed everyone the account at XXXX for XXXX XXXX was still open and the funds are still there. \nXX/XX/2019 XXXX called me at XXXX and said he will take my complaints to the executive branch. He said he is trying to help me and doesnt know why the XXXX wire department keeps sending me back to him. He said someone should be calling me by Tuesday. I called XXXX Wire department at XXXX. I was on hold for 30 minutes. I talked to XXXX from the XXXX wire department, I gave him my name and that I wanted an update on my wire recall. He ask me for my account number, I told him I didnt have it. XXXX hung up on me. At XXXX I called the XXXX wire department. XXXX said no bank recall was done, in fact only one recall that was done on this account. The Hold Harmless was denied and the case is closed. I requested to get transfer to XXXX and he said another recall will not be done because they will just ask for another Hold Harmless Letter. XXXX said he sent an email to XXXX requesting the money to be returned without a Hold Harmless Letter. I talked to XXXX they informed me that only one bank wire recall was done. When they ask for the Hold Harmless letter, they thought the wire recall was abandoned because XXXX did not respond to their request. Again the representatives from the XXXX wire department lied to me. \nXX/XX/2019 at XXXX XXXX from XXXX Executive department called me that they received my my complaint from the FTC . I would get a response in 15 days. I requested that the documents I sent to XXXX to be forwarded to XXXX. XXXX said she will look into it and let me know if they can send the documents. XXXX did explain that a Hold Harmless letter states XXXX is not at fault for this transaction, that is why a Hold Harmless Letter is difficult for them to do for me. At XXXX I talked to XXXX from XXXX Wire Department. She said that there was no response from XXXX regarding XXXX email to them. She said that another wire recall will not be completed because it will cause them to create another case. I called XXXX wire department and talked to XXXX. She said since Im not a XXXX client she cant take any information from me. \nXX/XX/2019 XXXX I talked to XXXX from XXXX Wire Department. XXXX said that the Hold Harmless letter was denied. ( Which I did not ask about ). XXXX  said that the email was sent from XXXX to XXXX XX/XX/2019 at XXXX. She said that XXXX replied XX/XX/2019 at XXXX that the request requires a Hold Harmless letter. When I repeated what XXXX said, XXXX began to say she meant regarding the Executive investigation. However, I was very clear about what I was talking about and what email I was referring to in my phone conversation. This is my biggest issue with XXXX is the poor communication. I feel that both of the banks are lying to me and do not care because its not their money. At XXXX I got a call from XXXX Executive department that they received my complaint from FTC , the individual said XXXX XXXX is assigned to my case. I will get a response in 15 days. \nMy complaint with XXXX is their unwillingness to investigate the fraud. Its extremely unethical to allow someone to use XXXX as a means to commit fraud. \nMy complaint is that XXXX is not doing to due diligence in helping me. XXXX wire department are not willing to do the Hold Harmless letter because its just too much work for them. They are refusing to send the documents to XXXX because their intentions are to punish my family and I for being scammed. I feel that if I wasnt a minority I would have been provided with better customer service and a Hold Harmless letter would have been provided. My family life savings are in these accounts that are intended for my daughters college tuition. By losing this money we are distressed and my daughter is becoming XXXX. My daughter is set back in her education because of this. Every penny we need for her college education. XXXX wire department is destroying lives for people of XXXX. Please help me. \n\nThank you, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX","date_sent_to_company":"2019-09-13T22:19:21.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"91744","tags":null,"has_narrative":true,"complaint_id":"3373929","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2019-09-13T22:11:02.000Z","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":["XXXX said, but they dont want to give you back <em>your</em> <em>money</em> thats why they are asking for a Hold Harmless letter. I explained this is their procedure. They need to justify why they are returning the <em>money</em>. XXXX again told me to talk to XXXX. XXXX told me to call the wire department. XXXX called the wire department. XXXX called back and said it looks like XXXX doesnt want to give you back <em>your</em> <em>money</em>, XXXX told him that they did 3 to 4 wire recalls on this account."],"product":["<em>Money</em> transfer, virtual currency, or <em>money</em> service"],"issue":["<em>Fraud</em> or scam"],"sub_product":["Domestic (US) <em>money</em> transfer"]},"sort":[9.561455,"3373929"]},{"_index":"complaint-public-v1","_id":"20008079","_score":9.5018635,"_source":{"product":"Checking or savings account","complaint_what_happened":"FORMAL REPORT 70-ACCOUNT MULE FARM OPERATING ON CHIME PLATFORM | BANK SECRECY ACT / AML COMPLIANCE FAILURE | INSTITUTIONAL REFUSAL TO ACCEPT FRAUD INTELLIGENCE To the Compliance Officers and Fraud Departments of the above-named institutions : I. PURPOSE OF THIS LETTER This letter constitutes a formal fraud report and regulatory escalation regarding a 70-account mule farm currently operating on Chimes platform under the name XXXX XXXX . These accounts are being used to receive proceeds from advance-fee fraud operations conducted via XXXX XXXX . This letter also documents Chimes institutional failure to accept, process, or act on detailed fraud intelligence provided by the victim across four separate support channels over the course of 90+ minutes on XX/XX/XXXX. \n\nAs the FDIC-insured banking partners that hold the actual deposits and process the transactions underlying Chimes platform, XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX XXXX. bear direct regulatory obligations under the Bank Secrecy Act ( 31 U.S.C. 5311 et seq. ), FinCEN regulations ( 31 C.F.R. Chapter X ), and their respective OCC and FDIC supervisory requirements. The existence of 70 sequentially numbered accounts under a single name constitutes a pattern of suspicious activity that triggers mandatory Suspicious Activity Report ( SAR ) filing obligations under 31 C.F.R. 1020.320.\n\nII. THE FRAUD OPERATION On XXXX XXXX XXXX, I was targeted by an advance-fee scam conducted via XXXX XXXX from the account XXXX. The scammer impersonated a XXXX XXXX representative, claimed I was owed {$2500.00} in unclaimed funds, and directed me to Chimes platform to pay fabricated processing fees.\n\nTotal Extracted : {$98.00} across three Chime Pay Anyone transactions Payment 1 : {$20.00} to XXXX Payment 2 : {$45.00} to XXXX XXXXXXXX Payment 3 : {$33.00} to XXXX  XXXX Scammer Contact : XXXX ( XXXX XXXX ) Scam Type : Advance-fee fraud with fabricated documents, legal threats, and social engineering The scammer employed an 8-stage attack chain including platform pivoting ( XXXX XXXX to Chime ), fabricated evidence ( doctored screenshots of payment confirmations, fake Agreement of Payment documents ), escalating fee structures, legal theater, and counter-intelligence tactics ( providing real government agency addresses when challenged ). The operation demonstrated professional-grade social engineering consistent with organized fraud infrastructure, not an isolated individual. \n\nXXXXII. 70-ACCOUNT MULE FARM DISCOVERY Following the fraud, I conducted systematic searches using Chimes own Pay Anyone search function. By searching for XXXX XXXX across sequential number ranges, I identified 70 confirmed active accounts under this name. All 12 search result screenshots have been preserved as evidence.\n\nRange Active Accounts Missing/Frozen Key Findings XXXX XXXX XXXX XXXX XXXX  missing First registration wave XXXX XXXX  Isolated survivors from early wave XXXX XXXX of XXXX All XXXX absent Entire wave purged or never created XXXXXXXX XXXX XXXX XXXX XXXX missing 100 % INTACT newest/unreported batch XXXX XXXX XXXX XXXX XXXX missing Second triple-digit wave XXXX XXXX XXXX XXXX XXXX missing 50 % attrition from individual reports XXXXXXXX XXXX XXXX XXXX XXXX  missing 50 % attrition XXXX XXXX XXXX XXXX XXXX missing Higher survival rate XXXXXXXX XXXX XXXX XXXX XXXX missing Account XXXX XXXX XXXX XXXX XXXX  ( caps variation ) XXXX XXXX XXXX XXXX XXXX missing Account XXXX : XXXX XXXX ' ( caps variation ) XXXX XXXX XXXX XXXX XXXX missing ACCOUNT XXXX : RECEIVED {$98.00} FROM VICTIM XXXX XXXX XXXX XXXX XXXX missing Account XXXX : only account with profile photo Complete List of Confirmed Active Accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pattern Analysis : XXXX cluster is 100 % intact all ten accounts exist with XXXX frozen. This is likely the newest batch, not yet reported by any victim. By contrast, the XXXX and XXXX show 50 % attrition, indicating older clusters where individual victim reports have resulted in account-by-account freezes. \n\nThe gap between account XXXX and account XXXX represents XXXX missing numbers. An entire early wave ( accounts XXXX ) was either mass-purged by Chime or abandoned by the operator after detection. The operation then restarted at XXXX with a fresh registration wave. \n\nName capitalization variations on accounts XXXX ( XXXX XXXX ) and XXXX ( XXXX XXXX ) indicate deliberate KYC evasion slight name entry variations designed to bypass duplicate account detection systems. Account XXXX is the only account with a profile photo ; all others display the default green XXXX  initial, consistent with bulk automated registration. \n\nThis infrastructure provides resilience against takedowns.With 70 active accounts, the operator absorbs dozens of individual account freezes without disruption. Each victim who reports one account triggers a freeze on that single account while the other 69 continue processing payments. At current attrition rates, this farm could sustain operations for months or years.\n\nIV. CHIMES FAILURE TO ACCEPT FRAUD INTELLIGENCE On XX/XX/XXXX, I attempted to report this mule farm to Chime across XXXXour separate channels over the course of 90+ minutes of active effort. The following is a timestamped account of each interaction : XXXX XXXX Email to XXXX Sent formal fraud report with subject line : Organized advance-fee fraud operation using systematically created Chime mule accounts. Report included all account handles discovered at that time, full scam timeline, evidence inventory, and requested actions ( freeze accounts, audit cluster, refund victim, file SAR ). \nXXXX XXXX Autoresponder received Chime responded with automated message : Your experience is important to us Please contact us through the app or phone at XXXX ( XXXX ) XXXX. No case number. No acknowledgment of content. No human reviewed the report. \nXXXX XXXX In-app support launched App presented AI chatbot XXXX with no option to reach a human fraud specialist. \nXXXX XXXX Three chatbot exchanges Chatbot treated mule farm intelligence report as routine support ticket. When informed the dispute involved money sent to a person, XXXX responded : Transfers to Chime members are instant and cant be reversed youll need to resolve it with them directly. The chatbot instructed a fraud victim to resolve the matter with the scammer. \nXXXX XXXX Live agent reached Connected with agent XXXX via LiveChat. Submitted screenshots of formal fraud report documenting the mule farm. XXXX confirmed receipt of evidence. \nXXXX XXXX Transfer to Dispute team XXXX stated disputes must be handled by specialized phone team and initiated transfer. Chimes system called my phone while simultaneously displaying its own anti-fraud warning : We didnt make this call. If someone says theyre Chime and asks you to move money, hang up. Call disconnected. \nXXXX XXXX  Repeated transfer failures Multiple transfer attempts, each disconnecting. XXXX final response : You can contact our Member Services team instead at XXXX ( XXXX ) XXXX. After 30+ minutes of in-app support, I was directed back to the same phone number the autoresponder suggested at XXXX XXXX. \nEvening Phone call : 36 minutes Called ( XXXX ) XXXX. After 36 minutes including holds and transfers, a representative verbally stated they would investigate. No case number provided. No refund committed. No accounts frozen. When I reported 70 confirmed active mule accounts and asked for an email to submit evidence, the representative confirmed that Chimes email support channel is no longer functioning. There is no email address to submit fraud intelligence to Chime.\n\nSummary : Four channels. Over 90 minutes. XXXX accounts frozen. XXXX case numbers. No refund. No written channel to submit evidence. The email support channel referenced by Chimes own autoresponder has been confirmed non-functional by Chimes own phone representative.\n\nV. REGULATORY OBLIGATIONS AT ISSUE The existence of 70 accounts under a single name on a platform operated by FDIC-insured banking partners implicates the following regulatory requirements : Bank Secrecy Act ( 31 U.S.C. 5311 et seq. ) Requires financial institutions to maintain effectiv e\nAML programs, including systems to detect and report suspicious activity. Seventy sequentially\n\nnumbered accounts under one name receiving proceeds from fraud constitutes a textbook pattern of suspicious activity. SAR Filing ( 31 C.F.R. 1020.320 ) Requires national banks to file Suspicious Activity Reports for transactions involving {$5000.00} or more that the bank knows, suspects, or has reason to suspect involve funds derived from illegal activity, or are designed to evade BSA reporting requirements. The aggregate transaction volume across 70 accounts likely far exceeds this threshold. Customer Identification Program ( 31 C.F.R. 1020.220 ) Requires banks to implement procedures to verify customer identity at account opening. The existence of 70 accounts under a single name with capitalization variations indicates systematic failures in identity verification and duplicate detection. OCC Third-Party Risk Management ( OCC Bulletin 2023-17 ) Requires banks to manage risks associated with third-party relationships including fintechs. XXXX XXXX and XXXX XXXX XXXX are responsible for ensuring Chimes compliance with BSA/AML r\n\nequirements as their fintech partner. CFPB Consent Order ( 2024 ) The CFPB assessed a {$3.00} XXXX  penalty against Chime in XXXX for mishandling customer complaints. The conduct documented in this letter represents a continuing pattern of the same institutional failures. \nVI. REQUESTED ACTIONS I hereby request the following actions from each addressee : From XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. : 1. Immediately freeze all 70 identified accounts and any additional accounts under the name XXXX XXXX pending investigation. \n2. Conduct a comprehensive audit of all transaction activity across the identified account cluster to determine aggregate fraud volume.\n\n3. File Suspicious Activity Reports ( SARs ) with FinCEN for the identified account network if not already filed.\n\n4. Confirm whether Chime reported this mule farm to your institution and, if so, what actions were taken.\n\n5. Review and remediate your Customer Identification Program as applied to Chime accounts to prevent future bulk account creation under a single identity.\n\n6. Provide a written response to this complaint within 15 business days confirming actions taken.\n\nFrom Chime Financial , Inc. : 1. Freeze all 70 identified accounts immediately.\n\n2. Refund the {$98.00} extracted via the three fraudulent Pay Anyone transactions to XXXX XXXX .\n\n3. Provide a written explanation for why email support has been discontinued while the autoresponder continues directing customers to it.\n\n4. Provide a case number and written acknowledgment of this complaint.\n\n5. Explain what internal controls exist to detect bulk account creation under a single identity, and why 70 accounts under XXXX XXXX were not flagged. \nVII. EVIDENCE PRESERVED 12 screenshots of Chime Pay Anyone search results documenting all 70 accounts Complete XXXX conversation thread with scammer ( XXXX ) Five types of fabricated documents provided by scammer ( doctored screenshots, fake payment agreements ) Three Chime Pay Anyone payment confirmation receipts ( {$20.00}, {$45.00}, {$33.00} ) Screenshots of AI chatbot XXXX exchanges including resolve it with them directly response Complete LiveChat transcript with agent XXXX  including evidence submission and repeated transfer failures Chime anti-fraud banner displayed during their own outbound transfer call Original email to XXXX and autoresponder reply Chime help article confirming Pay Anyone transfers can not be disputed All evidence is available upon request and will be submitted with corresponding regulatory complaints to the CFPB, OCC, FinCEN, FDIC, and Texas Attorney General.\n\nVIII. CONCURRENT REGULATORY FILINGS This letter is being submitted concurrently with formal complaints to the following agencies : Consumer Financial Protection Bureau ( CFPB ) consumerfinance.gov/complaint Requires formal written response within 15 days Office of the Comptroller of the Currency ( OCC ) helpwithmybank.gov Regulates XXXX XXXX XXXX XXXX XXXX. \nFinancial Crimes Enforcement Network ( FinCEN ) XXXX BSA/AML violation reporting Federal Deposit Insurance Corporation ( FDIC ) fdic.gov/consumers/assistance Both partner banks are FDIC members Texas Attorney General Consumer Protection Division Victim resides in Texas FBI Internet Crime Complaint Center ( IC3 ) ic3.gov Federal fraud reporting IX. CLOSING This is not a routine customer service complaint about {$98.00}. This is a formal report of industrial-scale fraud infrastructure operating on a platform backed by two FDIC-insured national banks. Seventy active mule accounts under a single name represent a systemic failure in account verification, transaction monitoring, and suspicious activity detection. \n\nWhen a victim provided Chime with actionable fraud intelligence complete with account identification, pattern analysis, and evidence the institution could not process it. The email channel was dead. The AI chatbot told the victim to negotiate with the scammer. The live agent could not handle disputes. The phone team offered only a verbal, undocumented well investigate after 36 minutes. The mule farm remains fully operational as of the date of this letter.\n\nI expect a written response from each addressee within 15 business days confirming receipt of this complaint and actions taken. Failure to respond will be documented in follow-up filings with the CFPB, OCC, and FinCEN. \n\n\n\nRespectfully submitted,","date_sent_to_company":"2026-03-05T18:26:20.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"76903","tags":"Servicemember","has_narrative":true,"complaint_id":"20008079","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2026-03-05T18:13:59.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["CHIMES FAILURE TO ACCEPT <em>FRAUD</em> INTELLIGENCE On XX/XX/XXXX, I attempted to report this mule farm to Chime across XXXXour separate channels over the course of 90+ minutes of <em>active</em> effort. The following is a timestamped account of each interaction : XXXX XXXX Email to XXXX Sent formal <em>fraud</em> report with subject line : Organized advance-fee <em>fraud</em> operation using systematically created Chime mule accounts."]},"sort":[9.5018635,"20008079"]},{"_index":"complaint-public-v1","_id":"3370231","_score":9.3261795,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/2019 XXXX XXXX ( XXXX ) XXXX XXXX case number Case # XXXX Parties Involved : XXXX XXXX XXXX XXXX XXXX XXXX   ADDRESS:XXXX  XXXX XXXX, XXXX , MD XXXX ACCOUNT NUMBER : XXXX ROUTING NUMBER : XXXX SWIFT CODE : XXXX XXXX XXXX Resident Agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX XXXX phone # XXXX ( XXXX ) XXXX XXXX XXXX Headquarters XXXX XXXX XXXX , XXXX XXXX , Georgia XXXX Chase Wire Department XXXX ( XXXX ) XXXX Chase Fraud Department XXXX ( XXXX ) XXXX Chase Headquarters XXXX XXXX XXXX XXXX XXXX , NY XXXX Chain of Events : XX/XX/2019 my daughter XXXX XXXX began communications with XXXX XXXX XXXX on XXXX . XXXX XXXX XXXX had an ad on XXXX for an apartment. The rental was for {$850.00} a month on XXXX XXXX XXXX, XXXX, CA. XXXX lives at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX was looking for a rental in XXXX XXXX, because she is attending XXXX XXXX XXXX. XXXX XXXX XXXX gave XXXX +XXXX  ( XXXX ) XXXX as Janets number to call and text. XXXX sent a XXXX message a certificate of ownership for the apartment complex XXXX XXXX XXXX, XXXX, CA, and that XXXX XXXX XXXX was the owner of the complex. This was proof for XXXX that this rental was not a scam. \n\nXX/XX/2019 XXXX told XXXX inorder to move into the apartment on XX/XX/2019 she had to wire XXXX {$1700.00} to for the apartment deposit XXXX ACCOUNT INFO ACCOUNT NAME : XXXX XXXX XXXX ADDRESS:XXXX XXXX XXXX, XXXX , MD XXXX ACCOUNT NUMBER : XXXX ROUTING NUMBER : XXXX SWIFT CODE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX. \nI wire {$1600.00} minus the wire fee of the {$1700.00} to the above account to hold the apartment in XXXX XXXX on XX/XX/2019, because my daughter told me that the rental was checked out by her. I wired the monies to the above account for the apartment. I text XXXX a copy of the bank wire receipts. I text XXXX XXXX XXXX asking for a copy of the receipt. XXXX told my daughter she will send the receipt for the bank wire on XX/XX/2019. \nOn XX/XX/2019 XXXX said she still havent received the monies from the wire transfer but she could move in on XX/XX/2019 at XXXX. XXXX said she was at work and couldnt meet us until after work at XXXX. \nOn XX/XX/2019 at XXXX we went to XXXX XXXX XXXX, XXXX, CA. There was no one there to provide keys to the apartment. XXXX did not answer the phone and did I learn when we arrived to the location, that the apartments were managed by XXXX XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX representative informed us that XXXX XXXX XXXX is not the owner. The XXXX XXXX is not associate with XXXX XXXX XXXX. At XXXX we went to the XXXX police station and filed a police report. Office XXXX badge # XXXX ( XXXX ) XXXX report # XXXX. XXXX XXXX Police Department Police Headquarters, Report Management Section, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. After, I learned that I was scammed by XXXX XXXX XXXX and XXXX XXXX. I contact Chase their fraud department, and the department was closed.I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. I informed XXXX of the fraudulent transaction, the representative said she will email the wire department, but I must contact my bank to start the wire recall. \nOn XX/XX/2019 XXXX said she forgot her phone in the car and will meet us tomorrow. Again no show and no call. I have repeatedly requested for the monies to be returned to us. XXXX claims she never got the money. I contacted Chase fraud department and they referred me to call the wire department. There was nothing that the fraud department could do to help me but freeze my accounts. The Chase wire department was closed till Monday. The wire department business hours are Monday to Friday from XXXX to XXXX. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. I told a representative at XXXX I had a police report number, the representative said they can only accept it from the police department and/or Chase. \nXX/XX/2019 I research XXXX XXXX XXXX XXXX account. I notice she didnt have any friends on her XXXX. However, XXXX XXXX XXXX profile picture was liked by 3 people who are located in XXXX. Those individuals XXXX XXXX, XXXX, and XXXX XXXX are living in XXXX. I believe they are involved with the rental scam. I researched XXXX XXXX their agent for service is also XXXX, whom is living in Maryland. The agent for service for XXXX XXXX is XXXX XXXX located XXXX XXXX XXXX XXXX XXXX, MD XXXX. XXXX XXXX is still active. I have XXXX pictures, names and profiles of all parties involved. I have the Maryland Tax ID for XXXX XXXX. I learn that XXXX doesnt have a bank in XXXX. My research on rental scams work by having individuals in the US pick up the money, keep a percentage and wire the rest to XXXX. I contacted the wire department XXXX ( XXXX ) XXXX. The representative from the wire department informed me, that in 24 to 48 hrs they would process the bank wire recall. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. XXXX representative said they will need a Hold Harmless letter from Chase. \nXX/XX/2019 I contacted the wire department and there was no update. I informed the Chase Wire department that XXXX is going to request a Hold Harmless Letter. The representative informed me not to worry they will take care of it, they know what they are doing and its still being processed. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. \nXX/XX/2019 I contacted the Chase wire department. A representative told me, Im ma'am but the bank recall was denied by the other bank. There is nothing we can do. I ask to speak to a manager. After 30 minutes of being on hold, I was transferred to manager XXXX. XXXX said he will escalate the case their investigators because XXXX is requesting a Hold Harmless letter. XXXX said, It doesnt seem like they want to return the money. I informed XXXX that the account was still open and the funds are in the account. XXXX said an investigator will call me within 24 to 48hrs. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. \nXX/XX/2019 I called Chase wire department to inform them that I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. I offered the police report number to XXXX, but they refused. No update from Chase wire department on when the investigator will call me. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. \nXX/XX/2019 XXXX claims she is not giving me back my money because I contacted her bank ( XXXX ). She reports that XXXX closed their accounts. I reported the incident to the FBI. \nI had a missed call at XXXX, ( which is outside normal business hours ). I called back the number, which was the same as the Chase wire department. I called back Chase wire department. The representative said that was nothing he can do to help me connect with the investigator that tried to call me. I requested to be transferred to XXXX. XXXX said he will email them about calling me back within normal business hours. XXXX said he will email XXXX to inform them that a Hold Harmless letter is being processed. XXXX said he would call me back with an update. XXXX did not call back. When I called back at XXXX, I was on hold for 45 minutes and then disconnected. I was hung up on many times by representatives, when I was calling the Chase wire department to follow up with the investigators. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. \nXXXX XXXX XXXX weekend all offices were closed. \nXX/XX/2019 I had to call the wire department 20 times. Finally, I was transferred to XXXX, he said the investigators will not be calling me back. I need to print out everything I had and take it to my local bank and they can fax or email them the information. I went to Chase bank XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX. I handed over everything I had printed out of screenshots from emails, XXXX messages, copy of the lease agreement, text messages and police report number to XXXX XXXX ( Branch Manager Vice President ). XXXX said, he doesnt have any communication with the wire department or their emails. I gave him the wire department phone number and case number. He said he was really busy and will do it when he can. I return two hours later, XXXX said, he called and talked to the Chase wire department and sent an internal tol the wire department. XXXX said there is nothing he can do, that I will have to contact the wire department. \nXX/XX/2019 I contacted Chase wire department I was hung up on by an employee name XXXX in the wire department and refused to transfer me to XXXX. XXXX yelled and argued with me because I did not know the exact amounts in my bank accounts, and account number. He refused to look up my account by my social security number, address and case number. I learned from another representative that XXXX never sent the email to XXXX bank letting them know that Chase was working on this account. When I finally talked to XXXX, he informed me that he has received my documents. For me to go to my local banker for more information. \nXX/XX/2019 I called Chase Wire Department for 3 hours. XXXX kept refusing to talk to me. I was told by a wire representative to go to my local bank they have the answers for me. XXXX said that he doesnt have any information for me, and I had to call the wire department. After four more hours of calling the Chase wire department, I finally talked to XXXX. XXXX said my Hold Harmless letter request was denied. I ask why, he refused to give me a reason. I call XXXX in tears. I was transferred to XXXX wire fraud department and talked to XXXX. XXXX took my information, police report number, and ask if I can provide them with records of emails, text messages and police report. I said, Yes, I can! I told XXXX that I had everything except the police report that it takes weeks or days for XXXX police to email me the report, but I had the badge number, phone, and police report number. XXXX said she will send an email to put the Hold Harmless investigations in motion. XXXX said for me to call the wire department to do another recall request, and for them to forward the information I sent them. I called Chase wire department, it took three hours before I could talk to someone without hanging up on me. I informed the Chase wire representatives about what XXXX from XXXX told me, and the representatives said repeatedly that the Hold Harmless was denied.. The representatives from Chase wire department kept hanging up on me and refused to transfer me to the manager. I finally got into contact with XXXX, who I informed what XXXX told me. XXXX said we will do another recall that day. XXXX said, but they dont want to give you back your money thats why they are asking for a Hold Harmless letter. I explained this is their procedure. They need to justify why they are returning the money. XXXX again told me to talk to XXXX. XXXX told me to call the wire department. XXXX called the wire department. XXXX called back and said it looks like XXXX doesnt want to give you back your money, XXXX told him that they did 3 to 4 wire recalls on this account. I informed everyone the account at XXXX for XXXX XXXX was still open and the funds are still there. \nXX/XX/2019 XXXX called me at XXXX and said he will take my complaints to the executive branch. He said he is trying to help me and doesnt know why the Chase wire department keeps sending me back to him. He said someone should be calling me by Tuesday. I called Chase Wire department at XXXX. I was on hold for 30 minutes. I talked to XXXX from the Chase wire department, I gave him my name and that I wanted an update on my wire recall. He ask me for my account number, I told him I didnt have it. XXXX hung up on me. At XXXX I called the Chase wire department. XXXX said no bank recall was done, in fact only one recall that was done on this account. The Hold Harmless was denied and the case is closed. I requested to get transfer to XXXX and he said another recall will not be done because they will just ask for another Hold Harmless Letter. XXXX said he sent an email to XXXX requesting the money to be returned without a Hold Harmless Letter. I talked to XXXX they informed me that only one bank wire recall was done. When they ask for the Hold Harmless letter, they thought the wire recall was abandoned because Chase did not respond to their request. Again the representatives from the Chase wire department lied to me. \nXX/XX/2019 at 10:30am XXXX from Chase Executive department called me that they received my my complaint from the FTC . I would get a response in 15 days. I requested that the documents I sent to Chase to be forwarded to XXXX. XXXX said she will look into it and let me know if they can send the documents. XXXX did explain that a Hold Harmless letter states XXXX is not at fault for this transaction, that is why a Hold Harmless Letter is difficult for them to do for me. At XXXX I talked to XXXX from Chase Wire Department. She said that there was no response from XXXX regarding XXXX email to them. She said that another wire recall will not be completed because it will cause them to create another case. I called XXXX wire department and talked to XXXX. She said since Im not a XXXX client she cant take any information from me. \nXX/XX/2019 XXXX I talked to XXXX from Chase Wire Department. XXXX said that the Hold Harmless letter was denied. ( Which I did not ask about ). Ses said that the email was sent from Chase to XXXX XX/XX/2019 at XXXX. She said that XXXX replied XX/XX/2019 at XXXX that the request requires a Hold Harmless letter. When I repeated what XXXX said, XXXX began to say she meant regarding the Executive investigation. However, I was very clear about what I was talking about and what email I was referring to in my phone conversation. This is my biggest issue with Chase is the poor communication. I feel that both of the banks are lying to me and do not care because its not their money. At XXXX I got a call from XXXX Executive department that they received my complaint from FTC , the individual said XXXX XXXX is assigned to my case. I will get a response in 15 days. \nMy complaint with XXXX is their unwillingness to investigate the fraud. Its extremely unethical to allow someone to use XXXX as a means to commit fraud. \nMy complaint is that Chase is not doing to due diligence in helping me. Chase wire department are not willing to do the Hold Harmless letter because its just too much work for them. They are refusing to send the documents to XXXX because their intentions are to punish my family and I for being scammed. I feel that if I wasnt a minority I would have been provided with better customer service and a Hold Harmless letter would have been provided. My family life savings are in these accounts that are intended for my daughters college tuition. By losing this money we are distressed and my daughter is becoming suicidal. My daughter is set back in her education because of this. Every penny we need for her college education. Chase wire department is destroying lives for people of color. Please help me. \n\nThank you, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX","date_sent_to_company":"2019-09-11T06:23:42.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Savings account","zip_code":"91744","tags":null,"has_narrative":true,"complaint_id":"3370231","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-09-11T01:53:32.000Z","state":"CA","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["XXXX said, but they dont want to give you back <em>your</em> <em>money</em> thats why they are asking for a Hold Harmless letter. I explained this is their procedure. They need to justify why they are returning the <em>money</em>. XXXX again told me to talk to XXXX. XXXX told me to call the wire department. XXXX called the wire department. XXXX called back and said it looks like XXXX doesnt want to give you back <em>your</em> <em>money</em>, XXXX told him that they did 3 to 4 wire recalls on this account."],"issue":["Problem with a lender or other company charging <em>your</em> account"]},"sort":[9.3261795,"3370231"]},{"_index":"complaint-public-v1","_id":"13652698","_score":9.325909,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"b'DateXXXX XXXX XXXXnFrom\\XXXX XXXX XXXX Rao\\nEmailXXXX XXXXn\\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX\\n\\nTo\\nConsumer Financial Protection Bureau\\n\\nSubject: I could not transfer the Money from XXXX/edd to my XXXX XXXX XXXX  \\n               Account  saying Please review your payment information for accuracy.\\n             This issue is happening from XXXX XXXX XXXX till this Date Today XXXX XXXX\\n\\nDear Madam / Sir,\\n\\nAt Present I am un-employed  receiving Un-Employment XXXX XXXX from XXXX XXXX\\nXXXX deposited the Amont\\n\\nI login to the XXXX/XXXX\\n(1) I see the Available Balance. It shows XXXX\\n\\n\\n\\n\\n\\n(2) Then I enter the Amount to be transferred XXXXn\\n\\n\\n(3) I submit the Request. It says Sorry, but we are unable to process your request at this time. Please review your payment information for accuracy.\\n\\n\\nWhat Other Things I tried\\n(1) Try the Request to transfer XXXX Still the Same Message\\n             For this Screenshot is not shown\\n(2) Tried using Mobile Phone Request to transfer  Attempt Failed\\n(3) Called XXXX Customer Phone XXXX XXXX XXXX on XXXX XXXX\\n             She filed a Complaint and said try to do transfer on XXXX XXXXn(4) Tried to do transfer of Money to Bank of America on XXXX XXXXXXXXnFailed- called  XXXX Customer Phone XXXX XXXX XXXX Spoke to \\nXXXX XXXXn                 She filed a Complaint XXXX XXXX XXXX\\n                 I said I want to speak to her Supervisor  Spoke to Supervisor XXXX XXXX \\n                 She said she cannot do Anything about identifying anf fixing this issue\\n                 I said I want to escalate it and want to speak to her Supervisor\\n(5) On XXXX XXXX XXXX XXXX XXXX  Spoke for got call from XXXX XXXX XXXX  spokefor 51 Minutes. She said she cannot do Anything to fix the issue or ready to esacalate it to to Higher Ups or IT Department, but only suggested to go ATM and withdraw the Money\\n(6) I said on your Site,, you say I can do Online Transfer of Funds to my Bank Account\\nSo as a Consmer I have the Right to use this Fecility, if it is failing, I am requesting to identify this issue and fix this, cannot leave this isse un-addressed\\nI request to help me to take this letter to the CEO of XXXX they say it is Fileserv Inc, when I search who is the CEO of this Company\\n\\nIf this isssue is resolved, it will help deveral People who may be facing Similar issue\\n\\nI see on the Site \\nSerious Problems With Money Network Being Ignored by XXXXr/XXXX/comments/1bzv8gu/serious_problems_with_money_network_being_ignored/\\n\\nI have had nothing but problems with the outdated and suspect XXXX XXXX. Like many other claimants, I haven\\'t been able to get automatic recurring transfers to work for weeks now while XXXX and the XXXX XXXX continue to sit back and do nothing about it :\\n1. Their outdated and buggy website won\\'t allow you to set up an automatic transfer unless you use XXXX XXXX  If you try to use XXXX or XXXX  you get stuck in an error loop that won\\'t let you advance to the next screen.\\n2. The process for setting up an automatic recurring transfer is very confusing. Also according to California XXXX  reps that responding to a post I made on their Facebook site about this problem, XXXX XXXX is currently asking customers to first compete a one-time transfer before setting up a scheduled, recurring or automatic transfer\". First, they should be actively warning claimants about this requirement we are not aware of to stop us all from wasting time, and second the statement does not appear to be true because I already have done several one time manual transfer before trying to get an automatic one working. Nobody from XXXX has responded to me pointing out this inconvenient fact to them yet.\\n3. Even if you manage to setup an automatic transfer for your whole deposit amount with no end date...the funds just sit in the XXXX XXXX account and never transfer to your bank.\\n4. After weeks of phone calls I finally got one XXXX rep to admit that \"the system\" for automated transfers on the web and app was not working (2 weeks ago). No idea why. No estimate when it would be restored. And no warning nor notice to XXXX claimants that they are wasting their time trying to set one up/make it work because the system does not work or they did not know to do a one time manual transfer first.\\n5. All the other XXXX reps I spoke with seem clueless, or just won\\'t admit the problem exists. After fumbling around putting me on hold back and forth numerous times, every one of them ended up claiming I need to speak to someone from \"escalations\" that they were transferring me to....but nobody ever picks the line up again after being put on hold. I have sat waiting for help for hours only to have the system hang up on me at the end of their day because escalations is only available from 9-5 east coast time.\\n6. XXXX refuses to address the problem so far, at least via complaints about it through ASK XXXX  online. I have sent them at least half a dozen messages about the problem and every time they either say to contact the MN about it or send XXXX a formal complaint form via snail mail (which I did and they haven\\'t bothered to respond to yet). I don\\'t want to waste time fighting through their jammed phone system to speak to someone...because it will likely get the same result at the end.\\n7. Bank of America\\'s system allowed us to easily setup an automatic recurring transfer. Once we did we never had to deal with them again because our UI funds went right into our bank accounts in one business day from the XXXX deposit. So why can\\'t the XXXX XXXX do the same?\\nIf you spend just a little time searching here and on other forums you can see many other XXXX claimants struggling to get their funds out of the XXXX XXXX  and into their own bank account. Many of the problems seem related to trying to get automated transfers set up or to work or to not get them rejected by the XXXX for reasons unknown. Many other claimants can\\'t even log into the app or get it to work.\\nI am working on getting someone from the press to investigate and report on these problems that are unfairly delaying UI payments to California claimants, who are also wasting hours of their time trying to resolve issues the XXXX seems unable to address. That is also probably why nobody can get through to XXXX escalations department because the phone lines are swamped with calls from frustrated and upset XXXX claimants trying to get the money they are entitled to by law out of this suspect vendors broken network.\\nPlease post your XXXX XXXX Debt Card problems in this thread so we can try to get the attention of the press and California lawmakers to hold XXXX  Director XXXX  accountable for this mess.\\n\\nDespite Overhaul, XXXX XXXX System Still Plagued With Fraud, Debt\\nLink https://XXXX XXXX XXXX XXXX XXXX XXXX XXXX\\n\\nMultiple lawsuits and 74 federal consumer complaints about government debit cards have been filed by Californians against XXXX XXXX this year alone. The XXXX and the company say the debit card fraud is smaller scale than the varied forms of fraud during the pandemic'","date_sent_to_company":"2025-05-30T18:14:02.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"95133","tags":"Older American","has_narrative":true,"complaint_id":"13652698","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FISERV FINXACT CORE","date_received":"2025-05-22T07:11:56.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Even if you <em>manage</em> to setup an automatic transfer for <em>your</em> whole deposit amount with no end date...the funds just sit in the XXXX XXXX account and never transfer to <em>your</em> bank.\\n4. After weeks of phone calls I finally got one XXXX rep to admit that \"the system\" for automated transfers on the web and app was not working (2 weeks ago). No idea why. No estimate when it would be restored."],"product":["<em>Money</em> transfer, virtual currency, or <em>money</em> service"],"sub_product":["Domestic (US) <em>money</em> transfer"]},"sort":[9.325909,"13652698"]},{"_index":"complaint-public-v1","_id":"10216365","_score":9.302498,"_source":{"product":"Checking or savings account","complaint_what_happened":"Update on this: \nI am now demanding my money from chase. You cannot indefinitely hold my funds as Federal Regulation will always supersede Chase policies. \n\nPlease refer to the following Federal Regulations; According to Regulation CC (Expedited Funds Availability Act), banks are generally required to make funds from deposited checks available to customers within a specified timeframe. If a bank is unable to verify a third-party check through their own investigation, they are still obligated to follow the guidelines outlined in Regulation CC regarding funds availability. If a bank is unable to verify a third-party check but has no reason to suspect fraud, they may release the funds according to the standard funds availability schedule outlined in Regulation CC. The maximum number of days a bank can withhold funds is determined by federal regulations outlined in Regulation CC (Expedited Funds Availability Act).\nUnder Regulation CC, banks generally must make funds from deposited checks available to customers within specific timeframes. If a bank's investigation does not uncover any wrongdoing, they are generally expected to release the funds back to the consumer promptly. Failure to do so could potentially violate Regulation E and result in regulatory action.\n\nThis being said, I will be opening a lawsuit, and have contacted my state attorney general. \n\nHere is my original inquiry:\n\nHello, My name is XXXX XXXX. I had an opened case with Chase and the CFPB in regards to a XXXX check deposited into my account, that was not only improperly deposited by the branch manager, but also marked as fraudulent. It was a life insurance claim written over to me by my father, from my passing mother. In the response I received from Chase, I was told to open up an Estate account, after visiting a branch to do so, I was infomed by not only executive offices, but the fraud team that despite this being an option provided to me, neither could guarantee that my funds would be released to me. As my father isnt the one who is dead, but my mother is. The check is not made payable to my mother. I have also provided evidence that the phone number i have provided multiple times is by no mistake, registered to my father, Through the XXXX system. I have attached documentation and photos proving that. XXXX has been assigned my case and has not been helpful at all. It does not feel as if she even knows what should be done, or what the definitive answer is despite the response being told to my be Chase themselves. My case XXXX with XXXX  is XXXX as well as XXXX My Savings Account XXXX  ends in XXXX  My Checking Account XXXX ends in XXXX.\n\nI have recently contacted XXXX  and her assistance has been abysmal. Not only was I interrupted multiple times, the lack of communication for the past month and lack of a proper solution has blown me. I was told they will be attempting sending back the funds despite closing both my checking and savings accounts, debiting from my direct deposit, and holding my money in suspension. The check has not even been properly deposited (lack of stamp) and i was not informed by ANYONE that all i needed to do was sign my name as well. for such a simple mistake, i shouldnt be waiting MONTHS for a solution, and refuse to.\n\nChase and the CFPB have closed my case again, stating the following: \n\nThank you for expressing your concerns to the Consumer Financial Protection Bureau. We appreciate you allowing us the opportunity to research this matter. We completed our review and the details of our response are below.  We appreciate you taking the time to tell us about our service. Your feedback helps us serve you better. Our goal is to provide you with exceptional service, and we are sorry if we fell short with your request to release funds from your third-party check deposit.  You may open an estate account as previously advised, a joint account with the third-party or the third-party may open an account with you as the Power of Attorney (POA). Estate and POA documents would need to be approved. All accounts are subject to secondary review through our new account screening process.  A new account does not guarantee the third-party deposit for XXXX being held form your closed account will be credited to a new account.  The condition still must be met for a verbal confirmation on a verified number that satisfies our internal risk tools to verify that you had permission to deposit the check into your account from the third-party.  We are not able to accept the documentation you provided showing ownership of the phone number for the third-party.  We provided the option to send the funds back to the maker; you declined to send the funds back.  The funds will remain on hold until the third-party authorization is resolved.  The agreement we have with each other is that we may remove funds from your account to hold them pending investigation. You can find this in the Deposit Account Agreement. You were provided a copy of the agreement when you opened the account. You can see the current agreement on chase.com.\n\nNowhere does chase state their official Deposit Agreement policies in regards to this that I must open an estate account to cash a third party check, nor does it list anywhere that its subject to secondary review. The words secondary review are not even listed a single time in the deposit account agreement. attached is that same agreement and a search of the same agreement to determine that. Chase has stated making an exception, yet i have not been informed of what this exception is. \n\nMisleading and deceptive business practices are occurring in the sense that in the very last response I received from chase I was given the option to open an Estate account, despite the funds not being written off to, or paid out to an estate. XXXX  is not dead, my Mother is. I was also given the option to open up a joint account, but why have I been told those are options to recieve my funds back then immediately be told afterwards that there is no guarantee that the money on hold will be credited to your account. why? this implies even the original payee that theyre trying so hard to verify cannot even use their own account with me to receive the funds from the check written out to them if we even got that far. So why offer it as an option? Option means we can use it as a means to get access to my money.\n\nI have expressed concerns about being paired up with XXXX  in regards to my case, and immediately got assigned to her AGAIN when the case was reopened. I grew tired of working with XXXX, and requested to work with someone else, and got in contact with XXXX. XXXX, the alleged managerdid not assign my case to a new representative, and instead closed the case, providing the same misleading and bogus reasoning listed to me before. Previous statement is also attached.\n\nOn Chases Deposit account agreement, it lists \nXXXX. A power of attorney is a document you sign that authorizes someone else, called the agent, to act on your behalf. If you sign a power of attorney, the agent can sign on your behalf and do anything you could do regarding the account, including withdrawing or spending all of the money in the account. Do not sign a power of attorney unless you trust the agent to act in your best interest. If you choose to add an agent, you must provide a power of attorney form that we agree to accept. We may rely on a copy of an original power of attorney. We are not required to investigate the facts relating to any power of attorney provided to us on your behalf, including whether your signature on the power of attorney is authentic or whether the agent continues to have authority. We may follow or refuse to follow the agent's instructions at any time, including if we suspect fraud or abuse on your account, unless state law requires otherwise. We may also refuse an agent's request to become a joint owner or a beneficiary of an account, but we have no liability to anyone if we do so. We have no liability when we follow or refuse to follow any instructions from an agent, for example, if your agent misuses the authority you have given them. An agent's power of attorney on an account is terminated when the account owner dies.\n\nIn my XXXX  document, I have been given financial authority in all forms to the person the check was originally signed to, and according to Chases agreement, I should have been given right to deposit the check and access the funds written to me not only because I am power of attorney, but also because the check was written over to me. I do not need permission to manage funds or cash checks I am legally authorized to do so. If Chase would like to argue the contrary, I live in Virginia. I would love the law that lists otherwise to be stated to me. \n\nThere is nothing in chases policies directly listed publicly in regard to that information that proves the contrary, and if there is, I would like to see EXACTLY where it is listed that I cannot do so. Links and all. Secondary Review is not publicly listed nor actively enforced when checks are deposited at the branch, nor online, and is only in prospects of potential fraud, which does not apply since the check has cleared. It has not bounced; and if the check was fraudulent at all, Chase would not attempt to verify the original payee at all, which equally makes no sense considering the maker of the check is not an individual, it is an insurance company. The XXXX XXXX XXXX XXXX is not the maker of the check. Pending investigation equally makes no sense considering Chase cannot even verify nor find an original point of contact for Hartford Group or Brian on their own. No investigation is occurring and I request innate detail and evidence of what investigations have occurred. \n\nThe check would not have been written nor shipped to me if not proven and verified that I was power of Attorney. In my original complaint, I have attached how the check has been mailed out to me and provided to me because I am the power of Attorney, which is proven by my contacts with XXXX XXXX, the claims representative at XXXX. \n\nChase Endorsement Policies are listed as follows:\n\n2. Endorsements\nAn endorsement is a signature, stamp or other mark made on a check to transter the check to another person. If a check you deposited doesn't have your endorsement, we may endorse it for you or treat the check as if we had endorsed it. Either way, the effect will be as if you had endorsed the check. Also, any deposited check that appears to contain your stamped or facsimile endorsement will be treated as if you had actually endorsed it. We are not bound by any conditional or restrictive endorsements on a check you cash or deposit, or by any endorsement \"without recourse.\"\n\nI was told previously by chase executive offices, by I believe either XXXX  or XXXX, that I needed to sign the back of the check as well in order for it to not be placed on hold. So on top of the improper deposit of the check, Chase has stated it will treat any missing signatures as an endorsement on my behalf, meaning I did not need to sign the back of the check in order for it to also include my endorsement. Nowhere in the semantics of the policy does it state the contrary, or anything more needs to be required. The check should have deposited after the third party endorsement. \n\nThe Endorsement requirements are as follows:\n\nXXXX Endorsement requirements\nTo help ensure that checks you deposit or cash will be processed timely, your endorsement (and any other endorsement supplied by a co-payee) must be in the XXXX inch area that starts on the right side as viewed from the back. Payee or customer information must not be on any other part of the back of the check.\nIf you don't endorse your check properly and it causes us a loss, cost or expense, you have to pay that amount to us.\n\nAttached is the original check. As well as the deposit receipt for it. The check cleared and the funds of XXXX have cleared into my savings and have equally been debited out of them as a XXXX charge. The deposit has not netted a loss for Chase at all. There was no Fraud, and Chase does not list anywhere in their policies that they can take from a verified deposit. Again, if the policies list the contrary, give me more information than you can find the account agreement on chase.com because the account agreement isnt on chase.com either, its at: XXXX\n\nYou actually have to dig for the policy in order to find it.\n\nIn Chases rights and responsibilities for deposits, it states: \n\nXXXX Our rights and responsibilities for deposits\n\nIf you deposit or cash a check, or we send one for collection, we act only on your behalf. Our only responsibility is to exercise reasonable care. If we lose a check, you agree to use reasonable efforts to help us locate or replace it.\nWe will not be liable for the lack of care of any bank or third party we use to collect checks, or for checks lost during shipping. We may send checks to any bank or to the entity on which the check was written in our customary manner. We may have agreements with other banks regarding times and methods for collecting or returning items.\nWe may refuse a deposit, or part of a deposit, at any time. We also may refuse a deposit after initially accepting it. We can reverse any amount we have added to your balance for a deposited check and send the check on a collection basis even after we have taken physical possession of the check. We will not be liable to you for refusing a deposit, even if it causes us to decline any transactions you have already made.\nIf we refuse a deposit, we may take a check on a \"collection basis,\" which means we will not add funds to your balance until we have actually been paid for the check. If we process any check deposit on a \"collection basis,\" we will not add funds to your balance until we have actually been paid for the check by the other bank.\nIf the other bank charges us a collections or processing fee for any item, we will deduct that from your account or the amount credited to you. These charges or fees will be assessed even if the other bank does not pay us for the check or the funds have already been deposited to your account.\n\nReasonable care is not elaborated upon. I request the CFPB investigate as well what Chase specifically means by that terminology. The deposit made was done improperly, and reasonable care was not enforced. At no point was the deposit refused. The funds have not been sent back to the maker. They were illegally debited from my account for fraud and pending investigation and neither has occurred, and if any has, I would have been unable to open another checking account with chase, which I have done. Chase would equally have attempted to do their research and have failed to each time. Because no fraud is occurring. \n\nChases Policies for Overdrafts are listed as follows:\n\nXXXX  Overdraft Fees\nWe will charge an Overdraft Fee during nightly processing for any paid transaction posted on a business day when your account is overdrawn. If we return a transaction, we will not charge a fee. We will charge an Overdraft Fee for a transaction that may have been previously returned unpaid if it is later paid against an overdrawn balance. Special rules for everyday debit card transactions are described in the Electronic Funds Transfer Service Terms.\nRefer to your product information and Fee Schedule for information about what fees apply and how fees are calculated for your account. We may limit the number of Overdraft Fees we charge for a business day. For business accounts, we may charge interest on any amount you are overdrawn that you haven't repaid promptly.\n\n4. Overdraft Protection\nOverdraft Protection allows you to link one of your accounts as your backup account to your checking account to help pay an overdraft. If your checking account does not have enough money, we will use the available funds from your backup account to authorize or pay transactions.\n\nNone of this applies to pending ACH transfers, and after contacting my company, the ACH trace ID marked as: XXXX  was considered rejected by chase, but was never sent back to sender. Instead, Chase rescinded their rejection, took my direct deposit, debited my negative balance, and sent me back the remainder of my money. Despite their electronic transfer policy, which lists: \n\nXXXX Payments\n\nA. General Terms Applicable to Payments\ni. Your responsibilities: You authorize us to remove funds from your designated Pay From account for all Payments that *you initiate* and you agree to have sufficient available funds on the Send On date or Payment date for each such Payment you schedule.\nPlease note that if you have Chase Overdraft Protection for your Pay From account, available funds in the account that you use for overdraft protection are included in the determination of available funds for the Service. If there are insufficient available funds to cover a Current Day payment, we will not retry the payment and it will be immediately rejected. If sufficient funds are not in your account to cover a Current Day payment, we will not retry the transaction and the payment will be immediately rejected. In the case of Future Dated Payments, if sufficient funds are not in your account on the Send On or Payment date we may reject the request, or accept the request and process the payment for delivery (even if such payment processing causes you to exceed your credit limit or overdraw your account). In the alternative, if sufficient available credit or funds are not in your account on the Send On date or Payment date, we will automatically try to debit your account up to XXXX XXXX  more times on each of the XXXXXXXX XXXX succeeding Business Days. For these attempts, a status of \"Funds Needed\" will appear online. After the final attempt, the payment request will be Cancelled. A status of\n\"Funding Failed\" will appear. We will send you a message advising you of each failed attempt to debit your Pay From account. You agree that we may, at our option, follow your Instructions to make payments to a Payee, even though a charge to or a debit from your Pay From account may cause you to exceed your credit limit, or bring about or increase an overdraft. In the event of an overdraft to your Pay From account, we may charge any other of your accounts for the amount of the overdraft. For questions about your preauthorized Payments, you may contact us at the telephone number on your account statement or the front of our deposit account agreement.\nII. WE ARE NOT RESPONSIBLE FOR ANY CHARGES IMPOSED, OR ANY OTHER ACTION, BY A PAYEE RESULTING FROM A LATE PAYMENT, INCLUDING ANY APPLICABLE FINANCE CHARGES AND/OR LATE FEES UNLESS WE CAUSE PROCESSING DELAYS THAT CAUSE YOUR PAYMENT TO BE LATE.\n\nMy account was restricted, which meant I could not recieve any deposits. Chase cannot debit an amount they have no authority to recieve since I was not the one who initiated the transaction. My job was. Ironically enough, my account was maliciously closed immediately after they received my payment, despite this same policy stating they absolutely must notify me of that happening in my next statement. A statement I did not recieve, and equally was denied access to since my account was closed, and thus any access to my mobile banking. \n\nAnother discrepancy is listed in the account agreement here:\n\nb. Electronic transfers using your account number\nYou may authorize a third party to transfer funds to or from your account by providing your account number and your routing number or your debit card number. These transfers may use various payment networks and may take various forms, such as:\n* ??Employer payroll, government benefits or other direct deposits;\n* ??One-time or recurring charges to your account to pay bills or make a purchase;\n* ??Transfers between external accounts and your Chase accounts; or\n* ??A \"check conversion\" transfer, where a merchant or other payee creates an electronic transfer from your paper check. The merchant may keep your check or return it to you.\n\nIf that is the case, it also applies to a third party check, thus proving even more i am allowed to cash and use the funds made payable to me. Chase also provides a personal guide which me and the payee used when making sure the check was endorsed properly by third party means. \n\nThe guide is listed here: XXXX  \nThe instructions have been followed to a T. They have been listed as: XXXX Determine the recipient\nAssuming the check is written out to you, the recipient can be an individual, group of people or company. First, determine whether the recipient is willing to accept the signed-over check and exactly how the name should be written. XXXX Confirm the recipient's bank will accept the check\nBefore you start marking up the check, confirm that the financial institution (or other service) will accept a signed-over check. While many banks do, some do not, in order to manage risks.\n\nThe financial institution is chase. this is from YOUR website. \n\nXXXX  Sign the back of the check\nThe next step is signing (endorsing) your name on the back of the check in blue or black ink. On the back of the check, you'll see a signature line at the top where you sign your name as it appears in the payee field.\n\nThis has also been followed, and even if it wasnt, considering the vague language, any deposit would consider my depositing of the check as an endorsement alone if it was accepted by a branch. \n\nXXXX Include \"pay to the order of\" and write the recipient's name\nThis is the critical step that changes the payee written on the check from you to a new recipient.\nIn the check's current state, your name is in the payee field on the front of the check. In the endorsement area on the back of the check, at the top, use blue or black ink to write \"Pay to the order of\" followed by the new recipient's name.\nThis step tells the bank you are officially endorsing the transfer of funds to the new recipient. Your signature from the previous step serves as your authorization.\n\nYour signature from the previous step serves as your authorization. Chase has asked me to read the policies on their site. Im reading it. The signing from Brian himself is an authorization.\n\nXXXX Give the recipient the check to cash\nOnce the physical check is signed over, you can pass it to the recipient. If you have the opportunity, you can accompany the recipient to a branch location. This can offer everyone, including the financial institution, some extra assurance.\nOtherwise, if their bank allows it, the new check recipient can use mobile deposit.\n\nI equally followed this and was told by the Branch manager that as long as the address on the check as well as my account match, it will not be marked as fraudulent. Chase cannot continue to make up rules and arbitrations to hold their consumers money.\n\nI am no longer asking, but demanding my funds be returned to me by check, not only due to Chases deceptive practices, lack of customer service, and mishandling of my checking and savings account for fraudulent activity that was never fraudulent nor suspicious. \n\nI am also asking for another XXXX from chase themselves to avoid turning this into a lawsuit.\n\nUnder the Homeland Security Act and Patriot Act, banks have authority and duty to investigate suspicious payments.However, they CANNOT keep the money in your account and if they choose to close the account they must return the money in the account to you unless it is proven to be proceeds of money laundering and it is turned over to Homeland Security.\n\nNo fraud has been proven in any capacity whatsoever. Because no Fraud has occurred. \n\nI want my money back in full.","date_sent_to_company":"2024-09-24T07:15:20.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"23060","tags":null,"has_narrative":true,"complaint_id":"10216365","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-09-24T07:10:30.000Z","state":"VA","company_public_response":null,"sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["Under the Homeland Security Act and Patriot Act, banks have authority and duty to investigate suspicious payments.However, they CANNOT keep the <em>money</em> in <em>your</em> account and if they choose to close the account they must return the <em>money</em> in the account to you unless it is proven to be proceeds of <em>money</em> laundering and it is turned over to Homeland Security.\n\nNo <em>fraud</em> has been proven in any capacity whatsoever. Because no <em>Fraud</em> has occurred. \n\nI want my <em>money</em> back in full."]},"sort":[9.302498,"10216365"]},{"_index":"complaint-public-v1","_id":"3374243","_score":9.265939,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XX/XX/2019 Parties Involved Zelle XXXX XXXX XXXX I was a victim of a rental scam. Since I was scammed I have been following the group of XXXX doing the rental scams on XXXX. They make fake XXXX accounts. These accounts are normal made a few days in advance, with no friends but a few XXXX liking the picture. All the XXXX in this group of scammers are all from the same tribe. They have people in the US able to collect the money and wire it to XXXX. I I recognize the posting and pictures from the rental ads from when I was scammed. \nA XXXX XXXX gave me a zelle email XXXX. She wanted me to send her {$800.00} for an apartment. The same apartment address that I was scammed for on XX/XX/2019. XXXX XXXX XXXX, XXXX, CA. No one from Zelle would take the report. \n\nI would like Zelle to investigate the Zelle account for XXXX. I would like Zelle to report their findings to the local police for the account holder and FBI. I would like Zelle to shut that account down so that no one else gets scammed. \nXX/XX/2019 Parties involved : XXXX XXXX  Bank address : XXXX XXXX, XXXX XXXX FL XXXX Account Holder Name : XXXX XXXX XXXX XXXX  : Account number XXXX Routing :XXXX Home Address:XXXX  XXXX  XXXX XXXX, XXXX XXXX XXXX FL Rental Property XXXX XXXX XXXX, XXXX, CA XXXX : XXXX XXXX XXXX XXXX XXXX   XX/XX/2019 I saw a rental listing that was identical to the scam rental I was a victim to on XX/XX/2019. I contacted XXXX XXXX XXXX regarding the rental. XXXX emailed me an identical lease as to the one that was sent on XX/XX/2019 for the rental scam. \n\nXX/XX/2019 XXXX requested a {$1700.00} deposit via bank wire to Name : XXXX XXXX Account number :XXXX Routing XXXX XXXX XXXX  Bank address : XXXX XXXX, XXXX XXXX FL XXXX Home Address:XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX : XXXX XXXX Account number :XXXX Routing :XXXX XXXX XXXX. \nI called XXXX XXXX to notify them of the fraud. I talked to XXXX in the fraud that said he will message the wire fraud department. I offered the police report and informed them that a team of individuals are committing fraud. XXXX was not interested in getting the information. I contacted Florida police ( XXXX ) XXXX and they were not interested in taking the report. As a matter of fact, no police station cares about these rental scams. Not the XXXX, Maryland police and Florida. Thats why these criminals can scam over {$20000.00} a month to Americans. \nThese individuals are using US banks having Americans wire money to XXXX as rental scams. \nI want XXXX XXXX  to investigate these accounts to help stop the fraud. \nOn XX/XX/2019 I found the same rental scammers that scammed me on XX/XX/2019. I contact XXXX XXXX on XXXX in XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2019 XXXX XXXX emailed me a lease that is identical to rental scam on XX/XX/2019. XXXX XXXX messaged me to deposit {$1500.00} into her XXXX XXXX XXXX account. I called XXXX XXXX XXXX about the rental scammers using XXXX XXXX XXXX banking institution as away to scam people in order to send money to XXXX. The representative was not interested in taking my information. I am requesting that XXXX XXXX XXXX investigates this account, close the account and report their findings to the local police of the account holder. \nThe account information is below : XXXX XXXX XXXX account no:XXXX. \nAct name : XXXX XXXX. \nRouting number XXXX Parties involved : XXXX XXXX XXXX XXXX. \nXXXX XXXX XXXX XXXX XXXX, TX XXXX United States Phone : XXXX Name : XXXX XXXX XXXX : Alabama Zip code : XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX, USA XXXX : XXXX XXXX XX/XX/2019 I found the same people that scam me on XX/XX/2019 on XXXX. The individual XXXX XXXX was posting for a rental on XXXX XXXX XXXX, XXXX, CA on XXXX group XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She sent me the identical lease as to the one sent on XX/XX/2019. XXXX requested that I send {$800.00} to XXXX XXXX in Alabama through XXXX. \nI talked XXXX from XXXX. He took my information but cant guarantee that a report or investigation will be made. He said he cant take the report, after all because I didnt send the money. \n\nI would like XXXX to report these individuals to the police and FBI. I would like my {$1600.00} back from when I was scammed on XX/XX/2019. I want XXXX allow consumers to report fraud to them without having to send money. \n\n\n\nXX/XX/2019 XXXX XXXX ( XXXX ) XXXX XXXX case number Case # XXXX Parties Involved : XXXX XXXX XXXX XXXX XXXX BANK ADDRESSXXXX XXXX XXXX, XXXX , MD XXXX ACCOUNT NUMBER : XXXX ROUTING NUMBER : XXXX SWIFT CODE : XXXX XXXX XXXX XXXX Agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX XXXX phone # XXXX ( XXXX ) XXXX XXXX  XXXX  Headquarters XXXX XXXX XXXX , XXXX XXXX , Georgia XXXX XXXX Wire Department XXXX ( XXXX ) XXXX XXXX XXXX Department XXXX ( XXXX ) XXXX XXXX Headquarters XXXX XXXX XXXX XXXX XXXX , NY XXXX Chain of Events : XX/XX/2019 my daughter XXXX XXXX began communications with XXXX XXXX XXXX on XXXX . XXXX XXXX XXXX had an ad on XXXX for an apartment. The rental was for {$850.00} a month on XXXX XXXX XXXX, XXXX, CA. XXXX lives at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX was looking for a rental in XXXX XXXX, because she is attending XXXX XXXX XXXX. XXXX XXXX XXXX gave XXXX XXXX ( XXXX ) XXXX as Janets number to call and text. XXXX sent a XXXX message a certificate of ownership for the apartment complex XXXX XXXX XXXX, XXXX, CA, and that XXXX XXXX XXXX was the owner of the complex. This was proof for XXXX that this rental was not a scam. \n\nXX/XX/2019 XXXX told XXXX inorder to move into the apartment on XX/XX/2019 she had to wire XXXX {$1700.00} to for the apartment deposit XXXX ACCOUNT INFO ACCOUNT NAME : XXXX XXXX BANK ADDRESS:XXXX  XXXX XXXX, XXXX , MD XXXX ACCOUNT NUMBER : XXXX ROUTING NUMBER : XXXX SWIFT CODE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX. \nI wire {$1600.00} minus the wire fee of the {$1700.00} to the above account to hold the apartment in XXXX XXXX on XX/XX/2019, because my daughter told me that the rental was checked out by her. I wired the monies to the above account for the apartment. I text XXXX a copy of the bank wire receipts. I text XXXX XXXX XXXX asking for a copy of the receipt. XXXX told my daughter she will send the receipt for the bank wire on XX/XX/2019. \nOn XX/XX/2019 XXXX said she still havent received the monies from the wire transfer but she could move in on XX/XX/2019 at XXXX. XXXX said she was at work and couldnt meet us until after work at XXXX. \nOn XX/XX/2019 at XXXX we went to XXXX XXXX XXXX, XXXX, CA. There was no one there to provide keys to the apartment. XXXX did not answer the phone and did I learn when we arrived to the location, that the apartments were managed by XXXX XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX representative informed us that XXXX XXXX XXXX is not the owner. The XXXX XXXX is not associate with XXXX XXXX XXXX. At XXXX we went to the XXXX  police station and filed a police report. XXXX XXXX badge # XXXX ( XXXX ) XXXX report # XXXX. XXXX XXXX Police Department Police Headquarters, Report Management Section, XXXX XXXX XXXX, XXXX XXXXr, XXXX XXXX, CA XXXX. After, I learned that I was scammed by XXXX XXXX XXXX and XXXX XXXX. I contact XXXX their fraud department, and the department was closed.I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. I informed XXXX of the fraudulent transaction, the representative said she will email the wire department, but I must contact my bank to start the wire recall. \nOn XX/XX/2019 XXXX said she forgot her phone in the car and will meet us tomorrow. Again no show and no call. I have repeatedly requested for the monies to be returned to us. XXXX claims she never got the money. I contacted XXXX fraud department and they referred me to call the wire department. There was nothing that the fraud department could do to help me but freeze my accounts. The XXXX wire department was closed till Monday. The wire department business hours are Monday to Friday from XXXX to XXXX. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. I told a representative at XXXX I had a police report number, the representative said they can only accept it from the police department and/or XXXX. \nXX/XX/2019 I research XXXX XXXX XXXX XXXX account. I notice she didnt have any friends on her XXXX. However, XXXX XXXX XXXX profile picture was liked by 3 people who are located in XXXX. Those individuals XXXX XXXX, XXXX, and XXXX XXXX are living in XXXX. I believe they are involved with the rental scam. I researched XXXX XXXX their agent for service is also XXXX, whom is living in Maryland. The agent for service for XXXX XXXX is XXXX XXXX located XXXX XXXX XXXX XXXX XXXX, MD XXXX. XXXX XXXX is still active. I have XXXX pictures, names and profiles of all parties involved. I have the Maryland Tax ID for XXXX XXXX. I learn that XXXX doesnt have a bank in XXXX. My research on rental scams work by having individuals in the US pick up the money, keep a percentage and wire the rest to XXXX. I contacted the wire department XXXX ( XXXX ) XXXX. The representative from the wire department informed me, that in 24 to 48 hrs they would process the bank wire recall. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. XXXX representative said they will need a Hold Harmless letter from XXXX. \nXX/XX/2019 I contacted the wire department and there was no update. I informed the XXXX Wire department that XXXX is going to request a Hold Harmless Letter. The representative informed me not to worry they will take care of it, they know what they are doing and its still being processed. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. \nXX/XX/2019 I contacted the XXXX wire department. A representative told me, Im ma'am but the bank recall was denied by the other bank. There is nothing we can do. I ask to speak to a manager. After 30 minutes of being on hold, I was transferred to manager XXXX. XXXX said he will escalate the case their investigators because XXXX is requesting a Hold Harmless letter. XXXX said, It doesnt seem like they want to return the money. I informed XXXX that the account was still open and the funds are in the account. XXXX said an investigator will call me within 24 to 48hrs. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. \nXX/XX/2019 I called XXXX wire department to inform them that I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. I offered the police report number to XXXX, but they refused. No update from XXXX wire department on when the investigator will call me. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. \nXX/XX/2019 XXXX claims she is not giving me back my money because I contacted her bank ( XXXX ). She reports that XXXX closed their accounts. I reported the incident to the FBI. \nI had a missed call at XXXX, ( which is outside normal business hours ). I called back the number, which was the same as the XXXX wire department. I called back XXXX wire department. The representative said that was nothing he can do to help me connect with the investigator that tried to call me. I requested to be transferred to XXXX. XXXX said he will email them about calling me back within normal business hours. XXXX said he will email XXXX to inform them that a Hold Harmless letter is being processed. XXXX said he would call me back with an update. XXXX did not call back. When I called back at XXXX, I was on hold for 45 minutes and then disconnected. I was hung up on many times by representatives, when I was calling the XXXX wire department to follow up with the investigators. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. \nXXXX XXXX XXXX weekend all offices were closed. \nXX/XX/2019 I had to call the wire department 20 times. Finally, I was transferred to XXXX, he said the investigators will not be calling me back. I need to print out everything I had and take it to my local bank and they can fax or email them the information. I went to XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX. I handed over everything I had printed out of screenshots from emails, XXXX messages, copy of the lease agreement, text messages and police report number to XXXX XXXX ( Branch Manager Vice President ). XXXX said, he doesnt have any communication with the wire department or their emails. I gave him the wire department phone number and case number. He said he was really busy and will do it when he can. I return two hours later, XXXX said, he called and talked to the XXXX wire department and sent an internal tol the wire department. XXXX said there is nothing he can do, that I will have to contact the wire department. \nXX/XX/2019 I contacted XXXX wire department I was hung up on by an employee name XXXX in the wire department and refused to transfer me to XXXX. XXXX yelled and argued with me because I did not know the exact amounts in my bank accounts, and account number. He refused to look up my account by my social security number, address and case number. I learned from another representative that XXXX never sent the email to XXXX bank letting them know that XXXX was working on this account. When I finally talked to XXXX, he informed me that he has received my documents. For me to go to my local banker for more information. \nXX/XX/2019 I called XXXX Wire Department for 3 hours. XXXX kept refusing to talk to me. I was told by a wire representative to go to my local bank they have the answers for me. XXXX said that he doesnt have any information for me, and I had to call the wire department. After four more hours of calling the XXXX wire department, I finally talked to XXXX. XXXX said my Hold Harmless letter request was denied. I ask why, he refused to give me a reason. I call XXXX in tears. I was transferred to XXXX wire fraud department and talked to XXXX. XXXX took my information, police report number, and ask if I can provide them with records of emails, text messages and police report. I said, Yes, I can! I told XXXX that I had everything except the police report that it takes weeks or days for XXXX police to email me the report, but I had the badge number, phone, and police report number. XXXX said she will send an email to put the Hold Harmless investigations in motion. XXXX said for me to call the wire department to do another recall request, and for them to forward the information I sent them. I called XXXX wire department, it took three hours before I could talk to someone without hanging up on me. I informed the XXXX wire representatives about what XXXX from XXXX told me, and the representatives said repeatedly that the Hold Harmless was denied.. The representatives from XXXX wire department kept hanging up on me and refused to transfer me to the manager. I finally got into contact with XXXX, who I informed what XXXX told me. XXXX said we will do another recall that day. XXXX said, but they dont want to give you back your money thats why they are asking for a Hold Harmless letter. I explained this is their procedure. They need to justify why they are returning the money. XXXX again told me to talk to XXXX. XXXX told me to call the wire department. XXXX called the wire department. XXXX called back and said it looks like XXXX doesnt want to give you back your money, XXXX told him that they did 3 to 4 wire recalls on this account. I informed everyone the account at XXXX for XXXX XXXX was still open and the funds are still there. \nXX/XX/2019 XXXX called me at XXXX and said he will take my complaints to the executive branch. He said he is trying to help me and doesnt know why the XXXX wire department keeps sending me back to him. He said someone should be calling me by Tuesday. I called XXXX Wire department at XXXX. I was on hold for 30 minutes. I talked to XXXX from the XXXX wire department, I gave him my name and that I wanted an update on my wire recall. He ask me for my account number, I told him I didnt have it. XXXX hung up on me. At XXXX I called the XXXX wire department. XXXX said no bank recall was done, in fact only one recall that was done on this account. The Hold Harmless was denied and the case is closed. I requested to get transfer to XXXX and he said another recall will not be done because they will just ask for another Hold Harmless Letter. XXXX said he sent an email to XXXX requesting the money to be returned without a Hold Harmless Letter. I talked to XXXX they informed me that only one bank wire recall was done. When they ask for the Hold Harmless letter, they thought the wire recall was abandoned because XXXX did not respond to their request. Again the representatives from the XXXX wire department lied to me. \nXX/XX/2019 at XXXX XXXX XXXX XXXX Executive department called me that they received my my complaint from the FTC XXXX I would get a response in 15 days. I requested that the documents I sent to XXXX to be forwarded to XXXX. XXXX said she will look into it and let me know if they can send the documents. XXXX did explain that a Hold Harmless letter states XXXX is not at fault for this transaction, that is why a Hold Harmless Letter is difficult for them to do for me. At XXXX I talked to XXXX from XXXX Wire Department. She said that there was no response from XXXX regarding XXXX email to them. She said that another wire recall will not be completed because it will cause them to create another case. I called XXXX wire department and talked to XXXX. She said since Im not a XXXX client she cant take any information from me. \nXX/XX/2019 XXXX I talked to XXXX from XXXX Wire Department. XXXX said that the Hold Harmless letter was denied. ( Which I did not ask about ). XXXX said that the email was sent from XXXX to XXXX XX/XX/2019 at XXXX. She said that XXXX replied XX/XX/2019 at XXXX that the request requires a Hold Harmless letter. When I repeated what XXXX said, XXXX began to say she meant regarding the Executive investigation. However, I was very clear about what I was talking about and what email I was referring to in my phone conversation. This is my biggest issue with XXXX is the poor communication. I feel that both of the banks are lying to me and do not care because its not their money. At XXXX I got a call from XXXX Executive department that they received my complaint from FTC , the individual said XXXX XXXX is assigned to my case. I will get a response in 15 days. \nMy complaint with XXXX is their unwillingness to investigate the fraud. Its extremely unethical to allow someone to use XXXX as a means to commit fraud. \nMy complaint is that XXXX is not doing to due diligence in helping me. XXXX wire department are not willing to do the Hold Harmless letter because its just too much work for them. They are refusing to send the documents to XXXX because their intentions are to punish my family and I for being scammed. I feel that if I wasnt a minority I would have been provided with better customer service and a Hold Harmless letter would have been provided. My family life savings are in these accounts that are intended for my daughters college tuition. By losing this money we are distressed and my daughter is becoming XXXX. My daughter is set back in her education because of this. Every penny we need for her college education. XXXX wire department is destroying lives for people of XXXX. Please help me. \n\nThank you, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX","date_sent_to_company":"2019-09-14T07:25:26.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"91744","tags":null,"has_narrative":true,"complaint_id":"3374243","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2019-09-14T07:16:05.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["XXXX said, but they dont want to give you back <em>your</em> <em>money</em> thats why they are asking for a Hold Harmless letter. I explained this is their procedure. They need to justify why they are returning the <em>money</em>. XXXX again told me to talk to XXXX. XXXX told me to call the wire department. XXXX called the wire department. XXXX called back and said it looks like XXXX doesnt want to give you back <em>your</em> <em>money</em>, XXXX told him that they did 3 to 4 wire recalls on this account."],"product":["<em>Money</em> transfer, virtual currency, or <em>money</em> service"],"issue":["<em>Fraud</em> or scam"],"sub_product":["Domestic (US) <em>money</em> transfer"]},"sort":[9.265939,"3374243"]},{"_index":"complaint-public-v1","_id":"3375208","_score":9.204193,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XX/XX/2019 I was a victim of rental scam on XX/XX/2019. On XX/XX/2019 I found the same scammers on XXXX attempting to do another rental scam. I contact a XXXX XXXX. She sent me the identical lease agreement I got on XX/XX/2019. She requested I send her {$800.00} before I can move into the property. XXXX XXXX requested I send her the deposit through Cash App. Unfortunately, there is no one from Cash App that is willing to take the complaint and investigate the account these scammers are using for fraud. I am requesting that Cash App investigates the account for $ XXXX. I requested that Cash App reports their findings to the account holders local police and freeze the account. These banking institutions and companies for money transfers are just as guilty as the criminals stealing money from people, because they dont care if their clients are committing fraud. \n\nParties involved : XXXX XXXX , XXXX. \nXXXX XXXX XXXX XXXX XXXX, TX XXXX United States Phone : XXXX Name : XXXX XXXX State : Alabama Zip code : XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX, USA XXXX : XXXX XXXX XX/XX/2019 I found the same people that scam me on XX/XX/2019 on XXXX. The individual XXXX XXXX was posting for a rental on XXXX XXXX XXXX, XXXX, CA on XXXX group XXXX XXXX State University Off Campus Housing. She sent me the identical lease as to the one sent on XX/XX/2019. XXXX requested that I send {$800.00} to XXXX XXXX in Alabama through XXXX. \nI talked XXXX from XXXX. He took my information but cant guarantee that a report or investigation will be made. He said he cant take the report, after all because I didnt send the money. \n\nI would like XXXX to report these individuals to the police and FBI. I would like my {$1600.00} back from when I was scammed on XX/XX/2019. I want XXXX allow consumers to report fraud to them without having to send money. \nXX/XX/2019 Parties Involved XXXX XXXX XXXX XXXX I was a victim of a rental scam. Since I was scammed I have been following the group of XXXX doing the rental scams on XXXX. They make fake XXXX accounts. These accounts are normal made a few days in advance, with no friends but a few XXXX liking the picture. All the XXXX in this group of scammers are all from the same tribe. They have people in the US able to collect the money and wire it to XXXX. I I recognize the posting and pictures from the rental ads from when I was scammed. \nA XXXX XXXX gave me a XXXX email XXXX. She wanted me to send her {$800.00} for an apartment. The same apartment address that I was scammed for on XX/XX/2019. XXXX XXXX XXXX, XXXX, CA. No one from XXXX would take the report. \n\nI would like XXXX to investigate the XXXX account for XXXX. I would like XXXX to report their findings to the local police for the account holder and FBI. I would like XXXX to shut that account down so that no one else gets scammed. \nOn XX/XX/2019 I found the same rental scammers that scammed me on XX/XX/2019. I contact XXXX XXXX on XXXX in XXXX XXXX State University Off-Campus Housing. \nXX/XX/2019 XXXX XXXX emailed me a lease that is identical to rental scam on XX/XX/2019. XXXX XXXX messaged me to deposit {$1500.00} into her XXXX  XXXX XXXX account. I called XXXX  XXXX XXXX about the rental scammers using XXXX XXXX XXXX XXXX institution as away to scam people in order to send money to XXXX. The representative was not interested in taking my information. I am requesting that XXXX  XXXX XXXX investigates this account, close the account and report their findings to the local police of the account holder. \nThe account information is below : XXXX  XXXX XXXX account no:XXXX. \nAct name : XXXX XXXX. \nRouting number XXXX XX/XX/2019 Parties involved : XXXX XXXX  Bank address : XXXX XXXX, XXXX XXXX FL XXXX Account Holder Name : XXXX XXXX XXXX XXXX : Account number XXXX Routing :XXXX Home Address:XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, XXXX, CA Website : XXXX XXXX XXXX XXXX XXXX XX/XX/2019 I saw a rental listing that was identical to the scam rental I was a victim to on XX/XX/2019. I contacted XXXX XXXX XXXX regarding the rental. XXXX emailed me an identical lease as to the one that was sent on XX/XX/2019 for the rental scam. \n\nXX/XX/2019 XXXX requested a {$1700.00} deposit via bank wire to Name : XXXX XXXX Account number XXXX Routing :XXXX XXXX XXXX  Bank address : XXXX XXXX, XXXX XXXX FL XXXX Home Address:XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX FL Name : XXXX XXXX Account number :XXXX Routing :XXXX XXXX XXXX. \nI called XXXX XXXX to notify them of the fraud. I talked to XXXX in the fraud that said he will message the wire fraud department. I offered the police report and informed them that a team of individuals are committing fraud. XXXX was not interested in getting the information. I contacted Florida police ( XXXX ) XXXX and they were not interested in taking the report. As a matter of fact, no police station cares about these rental scams. Not the XXXX, Maryland police and Florida. Thats why these criminals can scam over {$20000.00} a month to Americans. \nThese individuals are using US banks having Americans wire money to XXXX as rental scams. \nI want XXXX XXXX to investigate these accounts to help stop the fraud. \nXX/XX/2019 XXXX XXXX ( XXXX ) XXXX XXXX case number Case # XXXX Parties Involved : XXXX XXXX XXXX XXXX XXXX XXXX  ADDRESS:XXXX XXXX XXXX, XXXX , MD XXXX ACCOUNT NUMBER : XXXX ROUTING NUMBER : XXXX SWIFT CODE : XXXX XXXX XXXX Resident Agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX XXXX XXXX # XXXX ( XXXX ) XXXX XXXX XXXX Headquarters XXXX XXXX XXXX XXXX XXXX XXXX , Georgia XXXX XXXX Wire Department XXXX ( XXXX ) XXXX XXXX Fraud Department XXXX ( XXXX ) XXXX XXXX Headquarters XXXX XXXX XXXX XXXX XXXX  , NY XXXX Chain of Events : XX/XX/2019 my daughter XXXX XXXX began communications with XXXX XXXX XXXX on XXXX . XXXX XXXX XXXX had an ad on XXXX for an apartment. The rental was for {$850.00} a month on XXXX XXXX XXXX, XXXX, CA. XXXX lives at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX was looking for a rental in XXXX XXXX, because she is attending XXXX XXXX XXXX. XXXX XXXX XXXX gave XXXX XXXX ( XXXX ) XXXX as Janets number to call and text. XXXX sent a XXXX message a certificate of ownership for the apartment complex XXXX XXXX XXXX, XXXX, CA, and that XXXX XXXX XXXX was the owner of the complex. This was proof for XXXX that this rental was not a scam. \n\nXX/XX/2019 XXXX told XXXX inorder to move into the apartment on XX/XX/2019 she had to wire XXXX {$1700.00} to for the apartment deposit XXXX ACCOUNT INFO ACCOUNT NAME : XXXX XXXX BANK ADDRESS:XXXX XXXX XXXX, XXXX , MD XXXX ACCOUNT NUMBER : XXXX ROUTING NUMBER : XXXX SWIFT CODE : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX   XXXX XXXX XXXX md XXXX. \nI wire {$1600.00} minus the wire fee of the {$1700.00} to the above account to hold the apartment in XXXX XXXX on XX/XX/2019, because my daughter told me that the rental was checked out by her. I wired the monies to the above account for the apartment. I text XXXX a copy of the bank wire receipts. I text XXXX XXXX XXXX asking for a copy of the receipt. XXXX told my daughter she will send the receipt for the bank wire on XX/XX/2019. \nOn XX/XX/2019 XXXX said she still havent received the monies from the wire transfer but she could move in on XX/XX/2019 at XXXX. XXXX said she was at work and couldnt meet us until after work at XXXX. \nOn XX/XX/2019 at XXXX we went to XXXX XXXX XXXX, XXXX, CA. There was no one there to provide keys to the apartment. XXXX did not answer the phone and did I learn when we arrived to the location, that the apartments were managed by XXXX XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX representative informed us that XXXX XXXX XXXX is not the owner. The XXXX XXXX is not associate with XXXX XXXX XXXX. At XXXX we went to the XXXX  police station and filed a police report. XXXX XXXX badge # XXXX ( XXXX ) XXXX report # XXXX. XXXX XXXX Police Department Police XXXX, Report XXXX XXXX, XXXX XXXX XXXX, First Floor, XXXX XXXX, CA XXXX. After, I learned that I was scammed by XXXX XXXX XXXX and XXXX XXXX. I contact XXXX their fraud department, and the department was closed.I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. I informed XXXX of the fraudulent transaction, the representative said she will email the wire department, but I must contact my bank to start the wire recall. \nOn XX/XX/2019 XXXX said she forgot her phone in the car and will meet us tomorrow. Again no show and no call. I have repeatedly requested for the monies to be returned to us. XXXX claims she never got the money. I contacted XXXX fraud department and they referred me to call the wire department. There was nothing that the fraud department could do to help me but freeze my accounts. The XXXX wire department was closed till Monday. The wire department business hours are Monday to Friday  from XXXX to XXXX. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. I told a representative at XXXX I had a police report number, the representative said they can only accept it from the police department and/or XXXX. \nXX/XX/2019 I research XXXX XXXX XXXX XXXX account. I notice she didnt have any friends on her XXXX. However, XXXX XXXX XXXX profile picture was liked by 3 people who are located in XXXX. Those individuals XXXX XXXX, XXXX, and XXXX XXXX are living in XXXX. I believe they are involved with the rental scam. I researched XXXX XXXX their agent for service is also XXXX, whom is living in Maryland. The agent for service for XXXX XXXX is XXXX XXXX located XXXX XXXX XXXX XXXX XXXX, MD XXXX. TheXXXX XXXX is still active. I have XXXX pictures, names and profiles of all parties involved. I have the Maryland Tax ID for XXXX XXXX. I learn that XXXX doesnt have a bank in XXXX. My research on rental scams work by having individuals in the US pick up the money, keep a percentage and wire the rest to XXXX. I contacted the wire department XXXX ( XXXX ) XXXX. The representative from the wire department informed me, that in 24 to 48 hrs they would process the bank wire recall. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. XXXX representative said they will need a Hold Harmless letter from XXXX. \nXX/XX/2019 I contacted the wire department and there was no update. I informed the XXXX XXXX department that XXXX is going to request a Hold Harmless Letter. The representative informed me not to worry they will take care of it, they know what they are doing and its still being processed. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. \nXX/XX/2019 I contacted the XXXX wire department. A representative told me, Im ma'am but the bank recall was denied by the other bank. There is nothing we can do. I ask to speak to a manager. After 30 minutes of being on hold, I was transferred to manager XXXX. XXXX said he will escalate the case their investigators because XXXX is requesting a Hold Harmless letter. XXXX said, It doesnt seem like they want to return the money. I informed XXXX that the account was still open and the funds are in the account. XXXX said an investigator will call me within 24 to 48hrs. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. \nXX/XX/2019 I called XXXX wire department to inform them that I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. I offered the police report number to XXXX, but they refused. No update from XXXX wire department on when the investigator will call me. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. \nXX/XX/2019 XXXX claims she is not giving me back my money because I contacted her bank ( XXXX ). She reports that XXXX closed their accounts. I reported the incident to the FBI. \nI had a missed call at XXXX, ( which is outside normal business hours ). I called back the number, which was the same as the XXXX wire department. I called back XXXX wire department. The representative said that was nothing he can do to help me connect with the investigator that tried to call me. I requested to be transferred to XXXX. XXXX said he will email them about calling me back within normal business hours. XXXX said he will email XXXX to inform them that a Hold Harmless letter is being processed. XXXX said he would call me back with an update. XXXX did not call back. When I called back at XXXX, I was on hold for 45 minutes and then disconnected. I was hung up on many times by representatives, when I was calling the XXXX wire department to follow up with the investigators. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. \nXXXX XXXX XXXX weekend all offices were closed. \nXX/XX/2019 I had to call the wire department 20 times. Finally, I was transferred to XXXX, he said the investigators will not be calling me back. I need to print out everything I had and take it to my local bank and they can fax or email them the information. I went to XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX. I handed over everything I had printed out of screenshots from emails, XXXX messages, copy of the lease agreement, text messages and police report number to XXXX XXXX ( Branch Manager Vice President ). XXXX said, he doesnt have any communication with the wire department or their emails. I gave him the wire department phone number and case number. He said he was really busy and will do it when he can. I return two hours later, XXXX said, he called and talked to the XXXX wire department and sent an internal tol the wire department. XXXX said there is nothing he can do, that I will have to contact the wire department. \nXX/XX/2019 I contacted XXXX wire department I was hung up on by an employee name XXXX in the wire department and refused to transfer me to XXXX. XXXX yelled and argued with me because I did not know the exact amounts in my bank accounts, and account number. He refused to look up my account by my social security number, address and case number. I learned from another representative that XXXX never sent the email to XXXX XXXX   letting them know that XXXX was working on this account. When I finally talked to XXXX, he informed me that he has received my documents. For me to go to my local banker for more information. \nXX/XX/2019 I called XXXX Wire Department for 3 hours. XXXX kept refusing to talk to me. I was told by a wire representative to go to my local bank they have the answers for me. XXXX said that he doesnt have any information for me, and I had to call the wire department. After four more hours of calling the XXXX wire department, I finally talked to XXXX. XXXX said my Hold Harmless letter request was denied. I ask why, he refused to give me a reason. I call XXXX in tears. I was transferred to XXXX wire fraud department and talked to XXXX. XXXX took my information, police report number, and ask if I can provide them with records of emails, text messages and police report. I said, Yes,  I can! I told XXXX that I had everything except the police report that it takes weeks or days for XXXX police to email me the report, but I had the badge number, phone, and police report number. XXXX said she will send an email to put the Hold Harmless investigations in motion. XXXX said for me to call the wire department to do another recall request, and for them to forward the information I sent them. I called XXXX wire department, it took three hours before I could talk to someone without hanging up on me. I informed the XXXX wire representatives about what XXXX from XXXX told me, and the representatives said repeatedly that the Hold Harmless was denied.. The representatives from XXXX wire department kept hanging up on me and refused to transfer me to the manager. I finally got into contact with XXXX, who I informed what XXXX told me. XXXX said we will do another recall that day. XXXX said, but they dont want to give you back your money thats why they are asking for a Hold Harmless letter. I explained this is their procedure. They need to justify why they are returning the money. XXXX again told me to talk to XXXX. XXXX told me to call the wire department. XXXX called the wire department. XXXX called back and said it looks like XXXX doesnt want to give you back your money, XXXX told him that they did 3 to 4 wire recalls on this account. I informed everyone the account at XXXX for XXXX XXXX was still open and the funds are still there. \nXX/XX/2019 XXXX called me at XXXX and said he will take my complaints to the executive branch. He said he is trying to help me and doesnt know why the XXXX wire department keeps sending me back to him. He said someone should be calling me by XXXX. I called XXXX XXXX department at XXXX. I was on hold for 30 minutes. I talked to XXXX from the XXXX wire department, I gave him my name and that I wanted an update on my wire recall. He ask me for my account number, I told him I didnt have it. XXXX hung up on me. At XXXX I called the XXXX wire department. XXXX said no bank recall was done, in fact only one recall that was done on this account. The Hold Harmless was denied and the case is closed. I requested to get transfer to XXXX and he said another recall will not be done because they will just ask for another Hold Harmless Letter. XXXX said he sent an email to XXXX requesting the money to be returned without a Hold Harmless Letter. I talked to XXXX they informed me that only one bank wire recall was done. When they ask for the Hold Harmless letter, they thought the wire recall was abandoned because XXXX did not respond to their request. Again the representatives from the XXXX wire department lied to me. \nXX/XX/2019 at XXXX XXXX from XXXX Executive department called me that they received my my complaint from the FTC . I would get a response in 15 days. I requested that the documents I sent to XXXX to be forwarded to XXXX. XXXX said she will look into it and let me know if they can send the documents. XXXX did explain that a Hold Harmless letter states XXXX is not at fault for this transaction, that is why a Hold Harmless Letter is difficult for them to do for me. At XXXX I talked to XXXX from XXXX Wire Department. She said that there was no response from XXXX regarding XXXX email to them. She said that another wire recall will not be completed because it will cause them to create another case. I called XXXX wire department and talked to XXXX. She said since Im not a XXXX client she cant take any information from me. \nXX/XX/2019 XXXX I talked to XXXX from XXXX Wire Department. Ses said that the Hold Harmless letter was denied. ( Which I did not ask about ). Ses said that the email was sent from XXXX to XXXX XX/XX/2019 at XXXX. She said that XXXX replied XX/XX/2019 at XXXX that the request requires a Hold Harmless letter. When I repeated what XXXX said, Ses began to say she meant regarding the Executive investigation. However, I was very clear about what I was talking about and what email I was referring to in my phone conversation. This is my biggest issue with XXXX is the poor communication. I feel that both of the banks are lying to me and do not care because its not their money. At XXXX I got a call from XXXX Executive department that they received my complaint from FTC , the individual said XXXX XXXX is assigned to my case. I will get a response in 15 days. \nMy complaint with XXXX is their unwillingness to investigate the fraud. Its extremely unethical to allow someone to use XXXX as a means to commit fraud. \nMy complaint is that XXXX is not doing to due diligence in helping me. XXXX wire department are not willing to do the Hold Harmless letter because its just too much work for them. They are refusing to send the documents to XXXX because their intentions are to punish my family and I for being scammed. I feel that if I wasnt a minority I would have been provided with better customer service and a Hold Harmless letter would have been provided. My family life savings are in these accounts that are intended for my daughters college tuition. By losing this money we are distressed and my daughter is becoming XXXX. My daughter is set back in her education because of this. Every penny we need for her college education. XXXX wire department is destroying lives for people of XXXX. Please help me. \n\nThank you, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX","date_sent_to_company":"2019-09-15T04:28:00.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"91744","tags":null,"has_narrative":true,"complaint_id":"3375208","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2019-09-15T00:20:07.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["XXXX said, but they dont want to give you back <em>your</em> <em>money</em> thats why they are asking for a Hold Harmless letter. I explained this is their procedure. They need to justify why they are returning the <em>money</em>. XXXX again told me to talk to XXXX. XXXX told me to call the wire department. XXXX called the wire department. XXXX called back and said it looks like XXXX doesnt want to give you back <em>your</em> <em>money</em>, XXXX told him that they did 3 to 4 wire recalls on this account."],"product":["<em>Money</em> transfer, virtual currency, or <em>money</em> service"],"issue":["<em>Fraud</em> or scam"],"sub_product":["Domestic (US) <em>money</em> transfer"]},"sort":[9.204193,"3375208"]},{"_index":"complaint-public-v1","_id":"15153446","_score":8.835494,"_source":{"product":"Checking or savings account","complaint_what_happened":"This is the message I sent to Becu but it comes bouncing back from their email accounts : Hello, Im reaching out a third time to discuss the dispensaries within my account but using a more secure email address and another email of mine to make sure this goes through. \n\nMy name is XXXX XXXX, I live in XXXX and my mailing address is XXXX XXXX XXXX XXXX. I believe that should br sufficient enough to pull up my account as Ive included an audience in an attempt for action and resolution asIvecontinuously been ignored by BECU via email and belittled in person, my assumption being this was used as tactic to reduce the significance involved in the lack of accountability and action for resolve. \n\nThere seems to be miscalculations within certain charges in my BECU account that encompasses the past 10 years of my account. Ive gone to the bank in person to go over time charges and they basically turned me away saying I should contact the company charging my account but had no explanation as to why the numbers dont align with the numbers in their system. \n\nIm sending this information to log and make sure BECU is aware of the issue Ive been having for a continuous amount of time and tried to remedy this issue numerous occasions. While looking over some IRS documents online that I actually havent seen in person, this lead me to believe my account has been compromised in a time where I wasnt receiving proper notice as I was in college at the time wasnt receiving proper statements. This making me an easy target for identity theft and fraud but this subject is in relation to the lack of accountability and acknowledgment Ive yet to receive from BECU amd the entirety of their staff. So I will once describe and then show you exactly what had happened and is happening. \n\nLast year I went into to talk about specific charges. I looked up the company called XXXX and noticed a {$3600.00} in XXXX charges but the total read {$4000.00} leaving a gap of {$350.00} unaccounted for. The employee said they have no explanation. Every single branch i called into to go to, this man happened to be working. Not only was it strange but I couldnt get anything resolved because he always had the same answer, he just didnt know. This is just one example out of many. \n\nI went into the branch in XXXX XXXX in XXXX XXXX and was told the retention period they keep for transactions is 7 years providing 2 extra years from federal law ( 5 years ). As I had a conversation with who seemed like the supervisor of the XXXX XXXX branch around mid XXXX I mentioned that by using the BECU branded app, I could see transaction they go 10 years back. She had no idea that was possible on the BECU app. \n\nShe couldnt help as the transaction I was looking for just missed the mark as it shouldve been around XXXX of XXXX called to report suspicious activity on my account and I asked the person I was connected to when calling the fraud department about this certain transaction. In full confidence she dated a transaction from XXXX of XXXX. This went further than even the 10 year retention period. So Id like to know, is it possible to look further into my account that outlive retention periods that even in person staff are unaware of? The system I see versus the system on the banking side do not seem to match as I just called a member of the fraud department just a few moments ago detailing recent transactions concerning my credit card. As I went through them, the staff member was unable to see the same transactions. The reports can be viewed in XXXX different ways. Directly through desktop, downloaded as a report and through the BECU app. The inconsistencies between the XXXX can be unnoticed if youre focusing on just one form of statement to manage your account. \n\nThere shouldnt be any discrepancies. \n\nIve emailed member services twice reporting this problem and the issues with my account as I believe this issues started to arise around XXXX. Ill be able to see IRS records soon to confirm details but there are discrepancies in my account that have been continuously ignored. These recent ones small but over the course of 10 years, this can grow. \n\nI will attach the small statements and then I will show you the amount of money stated in the same 10 year retention period. \n\nThis video summarizes my earnings for a 10 year period from present day XX/XX/XXXX back to XX/XX/XXXX. My total earnings from that period add up to {$310000.00} if I use the income filter within transactions. Now when using the Spending option to view the same time period of transactions it states an income of {$310000.00}! most likely rounding up. \n\nThe transaction spent on record stated for the same time frame is {$280000.00}. \n\nAn unaccounted for {$31000.00} rounding up that is missing from my account. Especially since now I have less than {$100.00} within the checking and Savings combined and a credit card that seems to double charge me on interest. \n\nClearly these numbers dont add up. \n\nThis is obviously a significant amount of money that is unaccounted for and Ive gone in to the branch in XXXX, XXXX XXXX, XXXX ( coincidentally the same employee was working each day I made appointments for these various locations to talk over my account overview ). After seeing him again at the XXXX branch I asked requested a different staff member who ended up getting irritated with me as I complained about the BRCU app thay she claimed to have a part in developing. She suggested O visit the main branch in XXXX. \n\nNone of these occasions made any attempt at answering any questions and actively avoided that there may be any instance with the tampering of my account. I was even given an email because I had issues downloading statements as it came out illegible, instead of a report it was just random numbers and random fonts of all kind. I sent the statements to someone that was supposedly directed to a specialist on the backend that manages the BECU online banking website, the contact given to me by a supervisor of the XXXX branch. ( I have the email given to me if you need me to provide it ) Absolutely no response. \n\nI filled out a survey recently this last XXXX about an experience and was left a voicemail a few days later concerning my survey. They provided their personal number which I found unusual.When I call it goes straight to voicemail during clear business hours and when Ive never as I was on my phone I never actually got a phone call, just a voicemail appeared on my phone suddenly at the current time. My service is bad but it could be phishing. I can provide that transcript or audio message for that voicemail if needed. The voice was recognizable amd I remember talking to him a year ago. Right before going into the XXXX branch. \n\nIll can the statements I mentioned on the most recent report along with the screen recording of the 10 year time frame spending transaction and income.","date_sent_to_company":"2025-08-07T03:51:41.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"98108","tags":null,"has_narrative":true,"complaint_id":"15153446","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BOEING EMPLOYEES' CREDIT UNION","date_received":"2025-08-07T03:44:52.000Z","state":"WA","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["The inconsistencies between the XXXX can be unnoticed if youre focusing on just one form of statement to <em>manage</em> <em>your</em> account. \n\nThere shouldnt be any discrepancies. \n\nIve emailed member services twice reporting this problem and the issues with my account as I believe this issues started to arise around XXXX. Ill be able to see IRS records soon to confirm details but there are discrepancies in my account that have been continuously ignored."]},"sort":[8.835494,"15153446"]},{"_index":"complaint-public-v1","_id":"7218318","_score":8.673098,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Incident 1 : I was contacted through XXXX by a person pretending to be a well-known XXXX investor from XXXX XXXX XXXX XXXX XXXX. He offered to teach me how to improve and increase my investment odds. He offered to show me by conducting the trades himself to show me that it works and then he would show me how he did it for a fee. He then told me to go to XXXX where all chats took place. This involved some other scammers that I will mention below. \n\nAfter agreeing to do this. I was guided to a trading platform called XXXX. I was asked to create an account and then fund it. The scammer asked me to fund with {$500.00}. to start. I told him I don't have that amount at the moment. So he asked how much I can start with. I told him I can do about {$200.00} to start. He agreed. Using my XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ) account I transferred the funds to my XXXX  to purchase the Bitcoin I needed and send it to the digital wallet address. After doing that he told me to wait and to check back in a few hours or so. He contacted me and told me to check the account. When I did I saw that it had doubled in a short amount of time. I was convinced that this is the real deal. When I was able to I added some more money to the account. I would verify that the money was there and it was. This was repeated a few times he would tell me to wait and then check back later. When I did, I saw the money keep on growing. Eventually, he contacted me and told me that he didn't expect this to happen. He told me that the amount had grown to {$15000.00}. I was excited and I thought I had hit it big and that this was going to be taught to me. Then I was hit with a story that because the account grew so large that I can no longer do trades. I would have to upgrade to a V.I.P. account. In order to do this I would have to pay XXXX a fee for this in the total amount of {$5500.00}. I did hesitate at first but I convince myself that this was XXXX XXXX and to trust him. I contacted XXXX to verify this and they told me yes there is a fee. I told the scammer that I didn't have that amount at the moment because I was waiting on a new debit card for another account that contained the amount I needed. This account is my XXXX account this account held the inheritance I received from my mother 's passing. Once I got the card I used my Chase account to make the Bitcoin purchase through XXXX for {$3000.00}. This put the XXXX account on hold while the transaction between XXXX and XXXX finished processing. During the waiting process, I paid XXXX to XXXX to pay down the XXXX. Fee. When the {$3000.00} was released from holding I paid off the rest of the XXXX fee. When I contacted XXXX if they received the fee they told me to check with the person managing my XXXX account. When all was done the scammer told me to hold on and wait. Again, he contacted me to ask me if I have checked the account recently. When I did, I saw that it had grown tremendously. It was over {$100000.00} in bitcoins. I was ecstatic man ; I couldn't believe it. Then a couple of hours later the money was suddenly I got an email from XXXX XXXX stating \" Hello Your withdrawal of your pending profits from the investment platform has been transferred and is ready to process. To receive your profits contact the miner pending today 's payouts as scheduled daily ''. I went to XXXX as instructed. I couldn't find them on XXXX. I wrote them back in an email stating that I have a concern about my withdrawal, what is your number? I asked the scammer why was to money withdrawn without my permission and into a digital wallet I did not create, He ignored the question. Then the scammer contacted me asking have I talked to XXXX XXXX about the issue. I said I did and could not find them on XXXX. The scammer told me to hold on so I did. Suddenly I get a message notification from XXXX XXXX on XXXX. I spoke to them about the withdrawal and I stated how the money was transferred to a digital wallet I did not create. They informed me that in order to get the money out I would have to buy a private key. They told me it would cost me {$10000.00} to buy the private key to that wallet. I told them I did not have the money to pay for it. Suddenly the price dropped to {$5000.00} I told them I didn't have it at all and that I was being scammed. Instead of showing me how to put in a claim for fraud through XXXX XXXX. They instead started grilling me on how am I being scammed and who did it. I told them and I grilled them back on why haven't you sent me a link or told me a way to claim fraud on this person. Instead, they kept avoiding most of the questions and kept asking if I would pay the amount. When I asked them what if I couldn't pay they told me that after a certain time, there would be a {$50.00} maintenance fee added for every day that the money sat in the digital wallet. I chose not to pursue the payment after this. I was devastated about what had happened. \n\nIncident 2 : The second scam that also happened on XXXX I received a message from a person. It was a riddle contest. I answered the riddle and I got a message saying yes that is correct and that I have won the {$1000.00}. The name of the person used was XXXX, I did check out his XXXX and everything seemed to look legit. \n\nI was told that in order to get the money the company that sponsored the contest would have to verify my XXXX account. I was asked to exchange my XXXX email for one that the scammer provided. Feeling desperate from losing money already, I follow through with the request. When I did I lost access to my XXXX account. Even though I followed the XXXX fraud email I received it did not work instead it took me to a XXXX page, meaning that the page didn't exist or XXXX took that page down. When I asked the scammer why did he log me out of my account. He told me it's ok I will give you access again once you have verified the account with the company. Then I started getting text messages from the scammer under a different name. The scammer was posing as a woman named XXXX XXXX. I asked them about my XXXX account and why did you log me out of my account. I asked what happened to XXXX. I was told that in order to get the money I would have to pay the verification fee of {$100.00} dollars. At the same time, the money had grown to {$2000.00} all of a sudden. I asked the scammer, who is portraying someone name XXXX XXXX why is the money growing if I won {$1000.00} from the contest. I kept asking for my account to be released and I was told the same thing pay the {$100.00} and I would get my account. So, I used Bitcoin I bought using XXXX to see if the scammer would follow through. The scammer did not and suddenly the money had grown to just under {$10000.00}. I asked the scammer again why is the money growing so fast and why are you investing the money I won without my permission. I called him a scammer and suddenly I started getting pictures of XXXX XXXX trying to convince me that she is real. I even went to the XXXX account and saw that there is one but there were a couple of them and they looked fishy. I continued to message the scammer trying to get my account back that I don't care about the money I won or the {$10000.00}. I paid them again to see if there would be a limit to how much money it would take to get the account back after being told I would. I was met with the same result that I didn't do it on time and that it was too late. I asked them what is the name of the company. The scammer gave me the name XXXX XXXX XXXX XXXX. I did my research on it and the site existed I did receive an email from them but the site was flagged as a scammer site. After hours of trying to get my account back, I got fed up and tried to get help. For the next few days, I started getting calls from friends and family, because the scammer started using my account to target them. I contacted XXXX from several accounts as well as asked friends and family to do the same. I received a message from XXXXXXXX XXXX XXXX that replied to one of my accounts and it was an Automated statement that the reported account did not break any of the community guidelines and can not be taken down. At the end of the statement, it stated a disclaimer saying that this is an XXXX  response and that my response may not be perfect ( something similar to this ). This takes me to the third scam. \n\nIncident 3 : The third scam happened when I was fed up and I wanted to see if there was a chance to do something about this and recover my funds back. I searched on XXXX and XXXX popped up with an article talking about XXXX  scams. I started to read it when I read that I was able to recover my funds. I got a little hope and towards the end of the article stated that if you wanted to recover your funds you can contact XXXX Hackers at XXXX. So I contacted them. I wrote an email asking them if they could help me recover my XXXX. The person answered back and called himself XXXX XXXX. XXXX stated that he will look into my case. He came back a few days later stating that yes he could recover my funds and that I need to send him all the information on the scammers. After conversing with XXXX I was asked to make a payment of {$500.00}. I used my XXXX account to pay for the Bitcoin I used to purchase through XXXX to pay for the service. Then he asked me for more money. I was to pay a fee of {$300.00} for the services. After that, I was asked to send {$500.00} more to purchase a XXXX XXXX  Ignoring my better judgment, I sent the money via XXXX. ( All transactions were in XXXXXXXX XXXX  ). Because I was uneducated, I kept on and sent another {$400.00} for a logger. When he realized that I would not be able to pay. He then told me that he recovered the funds and it is XXXX to get the funds I would have to create a wallet using XXXX. Ok, I felt comfortable since this is my wallet and I made it. XXXX then asked me to fund the XXXX with {$5500.00} to get the XXXX because of the amount of the recovery. I told him I did not have the XXXX to fund the account and that all I had XXXX to fund the account. He told me to fund the account with that so I did. He then proceeded to give me a link to recover the funds here is the link they gave me XXXX XXXX XXXX XXXX XXXX I followed all the instructions and send a screenshot of the XXXX code he requested. I tried for hours to see if anything would happen and nothing did. No money was transferred at all. I contact XXXX after that and told him nothing was happening and that I need help to see if I did it correctly. I didn't hear from him until the next day when he had stolen the {$1000.00} out of my XXXX. That's when I realized that the link, he sent me was to steal my 12-word passphrase to my XXXX giving him access to the funds. \n\nAs I mentioned before because I didn't know any better and I got desperate I kept on going with it hoping for a different turnout. \n\nIncident XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Finally, the fourth scam, after being scammed by XXXX I did a little more research on finding a proper agency to recover my funds. I did my research and through reading about how to pick a company. I found a company called XXXX XXXX. I found them through the mention of XXXX while reading a scammer recovery thread that had to allot of people on it. I thought I could trust it since it was about people who were scammed. They didn't come up on any scam alerts and were recommended by a few people in the thread. The website looks legit as well as the services they offered. I reached out to them I was contacted by email. The email was XXXX. I explained everything to them as well. I sent the information they requested. The agreement was they would recover the funds for me and that the fee would be taken out of the recovered funds. So far everything was on the up and up they updated me until they recovered the funds over {$15000.00}, They told me that to recover the funds I would need to send them my XXXX XXXX address and that they would use that in parallel with something called XXXX. Sent them the wallet address from that wallet. The money appeared in there, I was excited, thinking finally something. Then like the scammers, there was suddenly an issue to withdraw the money. I was told that because of the large number of funds I would have to fund {$2500.00} into the account to start making a withdrawal. So I took out a loan from my bank to make this happen. I thought it was legit. I bought the XXXX and transferred it into the XXXX account. Again, since I created the wallet I asked no questions. Once they verified that I funded the wallet. They told me to make a withdrawal. I did and would get a pop confirmation saying it would take XXXX minutes to confirm the withdrawal. So I would wait and wait and check back in to see that the money I withdrew was refunded back into the account. I did this multiple times and got the same results I started to get worried now. I told them of the issue. That's when they told me to contact XXXX support. I did and I was contacted by XXXX by someone named XXXX XXXX and someone named XXXX XXXX He instructed me to send my XXXX address. I did that and that's when XXXX XXXX contacted me and told me that they are testing the address link and to make a withdrawal of {$50.00}. I did and the transaction went through after an hour or so. I was excited I responded that it went through. Like clockwork, I was hit with a long spiel about I am part of the XXXXXXXX XXXX XXXX  Account ( XXXX ). Here is the pasted conversation : \" I ran a check on your account, and the check is complete. You are operating a XXXX XXXX XXXX Account ( XXXX ) which is to run till XXXX. Its a fixed deposit. To withdraw from this account now, it has to reach the interest threshold. You can either wait for the interest to accrue to the point of withdrawal or you can deposit the balance to get it to maturity. From what I can see here, theres a {$3000.00} deposit to be added until XX/XX/XXXX and a {$1500.00} fixed interest to be accrued on the total investment. \n\nIts either you let it run through to XXXX or you deposit the remaining amount to reach an earlier maturity date and then withdraw your profit alongside. Your current balance is fixed, youve withdrawn the {$50.00} in your accessible trade account. '' I was highly upset and told XXXXXXXX XXXX that this is not what we agreed upon and reminded them that the agreement we made was to recover the funds and fees would be taken out of that. They responded and told me they would check into it and then they came back agreeing with the XXXX team stating that yes this is true and that is the way it is done. I called them out and told them that at this point you are a scam as well and of course, they tried to convince me otherwise as all the other scammers tried to do. \n\nAfter everything I tried to recover my funds. I finally got some help and paid for a legit service. With their help and support, I was able to get to this point. I contacted each XXXX of my banks to make a fraud claim and was met with either silence or it was quickly dismissed with little to no explanation. I sent each XXXX of my banks a chargeback letter. When I was denied I sent a rebuttal letter. They were ignored. The response to my fraud claim was met with very slow responses and very unprofessional agents. For example, I made a claim with Chase Bank. I told the agent that I needed to make a fraud claim, and he asked me what happened. He gave me his opinion about what the outcome would be but I told him I understand but I have some information as to why I am asking for the chargeback, please tell me how I can submit this letter to your fraud department. The agent told me that he would make the claim on my behalf and that if the claim investigators need anything from me they will contact me. So a week went by and another, on the third week I contacted Chase Bank again to get an update. I spoke with an agent and she told me that there wasn't a fraud claim filed on my account. I got very upset. The lady did file the fraud claim for me she gave me the information I need to fax the claim department the documents I need to get to them. The next issue happened as I was waiting again for a response to the claim, around XXXX I received {$3000.00} in my Chase Bank account. I got excited believing I won my fraud claim and was granted the money back. About a little over a month or so, the money was pulled back out of my account leaving my account over {$2000.00} negative. When I called to ask what happened they told me that they denied the claim and that the money was just a credit on the account. I explained to her that no one told me this at all and I had no idea I would get a credit on my account. I explained that if I knew that would be the process, I would have put the money aside and never touched it until this matter would have been resolved. I also asked her why I was denied and she told me it was because I didn't send enough information and also because I didn't do by the dates the money was taken from the account. I also explained how no one contacted me at all and I would have given them more information. I felt like I got punished for trying to fight for myself. They told me that I have no choice and that I would have to pay it back. When I started asking the agent what is the procedure to pay this back, the agent hung up on me. I called back and made a complaint with the next agent. I then sent them another letter to rebut the denial from Chase Bank. I was sent a denial letter again. I also visited my local branch and talked to a lady in the claims department. She told me the same thing as well. She also told me she would send me all the information including what information the XXXX  platform sent to them. I received the letter a few days later and all that was in it was the same denial letter I already had and did not include the documents I was supposed to get from XXXX. \n\nAnother example is from XXXX. I contacted them about making a fraud claim. I made my claim and was met with the same situation as Chase Bank. I made a claim with the fraud department. I was told to send my documents over using email. I did so. Then I was told that I would receive a call from the claims department in a few days. Again, I would wait and wait. When I contacted them back, I was told once again that the claim was not filed. Once again more wasted time and effort. I reclaimed the fraud and sent the documents again. A few days later I got an email stating that I was denied the claim. When I contact XXXX, I was told why and they told me it was because I didn't make the claim when the transactions happened. I sent in a rebuttal letter about the denial claim. I was met with silence and no response by email or phone. \n\nI contacted all the platforms that were involved like XXXX XXXX XXXX XXXX XXXX XXXX. I sent them a letter of my complaint about the fraudulent transactions and the scam that was being run. I requested that my accounts be closed because of this. They responded with little concern and my accounts are still active to this day.","date_sent_to_company":"2023-07-08T02:36:03.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"77062","tags":null,"has_narrative":true,"complaint_id":"7218318","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-07-08T02:26:05.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["They responded with little concern and my accounts are still <em>active</em> to this day."],"product":["<em>Money</em> transfer, virtual currency, or <em>money</em> service"],"issue":["<em>Fraud</em> or 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