{"took":77,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":903,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"20989735","_score":18.247007,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint regarding Experians failure to properly investigate a credit reporting dispute. \n\nI disputed a specific factual inaccuracy on a XXXX XXXX XXXX account XXXX namely the reporting of a Last Payment Date of XX/XX/year>. I did not make any payment on this account at that time. \n\nInstead of conducting a reasonable investigation into this accuracy dispute, Experian classified the issue as potential fraud and stated that it could not respond through the normal dispute process. \n\nThis is not a fraud or identity theft issue. I am not disputing ownership of the account. I am disputing the accuracy of a specific reported payment date. \n\nBy failing to investigate this accuracy dispute and redirecting it as a fraud issue, Experian has not fulfilled its obligation to conduct a reasonable investigation under the Fair Credit Reporting Act. \n\nI am requesting that Experian : Conduct a proper investigation into the accuracy of the reported XX/XX/year> payment Verify this information with the furnisher Correct or remove the account if the reported payment can not be substantiated This inaccurate reporting remains on my credit file and has impacted my financial standing. I am seeking proper review and correction of this issue. \n\nThank you.","date_sent_to_company":"2026-04-06T21:46:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90802","tags":null,"has_narrative":true,"complaint_id":"20989735","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2026-04-06T21:41:50.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This is not a <em>fraud</em> or identity theft issue. I am not disputing ownership of the account. I am disputing the accuracy of a specific reported payment date. \n\nBy failing to <em>investigate</em> this accuracy dispute and redirecting it as a <em>fraud</em> issue, Experian has not fulfilled its obligation to <em>conduct</em> a reasonable <em>investigation</em> under the Fair Credit Reporting Act."]},"sort":[18.247007,"20989735"]},{"_index":"complaint-public-v1","_id":"15836437","_score":16.146132,"_source":{"product":"Prepaid card","complaint_what_happened":"I am filing a complaint against Bank of America regarding their handling of my prepaid debit card fraud claim. \n\nOn XX/XX/2025 I reported unauthorized transactions on my prepaid debit card. One of the major transactions was a teller withdrawal at a Bank of America branch, XXXX $ which could easily be verified by reviewing the banks own surveillance footage. Despite this, Bank of America denied my claim on [ date of denial ], just [ number ] days later, without performing a thorough investigation. \n\nAt the time of these transactions, I was incarcerated, making it impossible for me to use the card. This is verifiable information, yet Bank of America failed to take it into account. \n\nWhy I am filing this complaint : Under Regulation E ( Electronic Fund Transfer Act ), Bank of America is required to conduct a prompt and reasonable investigation of all reported unauthorized transactions. \nDenying my claim without reviewing available evidence, such as teller footage, is not a proper investigation. \nTheir failure has caused me significant financial harm, including [ missed rent payments, inability to cover bills, etc. list briefly ].\n\nWhat I want : I am requesting that Bank of America : 1. Reopen my fraud claim.\n\n2. Conduct a proper investigation, including review of teller camera footage.\n\n3. Provide me with a full explanation of their findings.\n\n4. Reimburse me for the unauthorized transactions if confirmed.","date_sent_to_company":"2025-09-11T15:12:50.000Z","issue":"Unexpected or other fees","sub_product":"Government benefit card","zip_code":"94551","tags":null,"has_narrative":true,"complaint_id":"15836437","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-09-10T23:30:24.000Z","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":["Reopen my <em>fraud</em> claim.\n\n2. <em>Conduct</em> a <em>proper</em> <em>investigation</em>, including review of teller camera footage.\n\n3. Provide me with a full explanation of their findings.\n\n4. Reimburse me for the unauthorized transactions if confirmed."]},"sort":[16.146132,"15836437"]},{"_index":"complaint-public-v1","_id":"6783954","_score":16.121458,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX and on XX/XX/XXXX XXXX made a hard inquiries without my knowledge of and any express consent from me the account Holder known as Holder In Due Process. These inquiries are unauthorized and considered as fraud, I have notified both Equifax who fail to conduct a proper investigation and failed to provide me with a full disclosure of both the investigation and proof of accuracy of the information and XXXX who claim that they do not have or could not locate my information in their database. This has been an on going battle that should not occur in any circumstances as I the Holder In Due Process do not authorized or consent to contract with either of those companies.","date_sent_to_company":"2023-04-01T19:20:54.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"6783954","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-04-01T19:03:13.000Z","state":"MA","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["These inquiries are unauthorized and considered as <em>fraud</em>, I have notified both Equifax who fail to <em>conduct</em> a <em>proper</em> <em>investigation</em> and failed to provide me with a full disclosure of both the <em>investigation</em> and proof of accuracy of the information and XXXX who claim that they do not have or <em>could</em> not locate my information in their database."]},"sort":[16.121458,"6783954"]},{"_index":"complaint-public-v1","_id":"13569836","_score":16.041103,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am submitting this complaint regarding a fraudulent account opened in my name with Affirm. After my divorce, my ex-wife used my personal information without my consent to open an account with Affirm. I reported this to the company and raised concerns about their inadequate identity verification process. I questioned why proper stepssuch as requesting photo identification or facial verificationwere not taken during account setup, which could have prevented this fraud. \n\nThe account was active and paid on for several months. However, when payments were missed, I was alerted and immediately informed Affirm of the fraud. Despite notifying them and paying off the balance myself to avoid further damage to my credit, Affirm still reported the account as delinquent to the credit bureaus under my name. They failed to conduct a proper investigation, even after my request. \n\nNotably, the purchases madeincluding baby items and a computercorrelate with my ex-wife 's situation at the time, as she had just given birth. This is verifiable, yet Affirm declined to pursue action against her or to remove the account from my credit history. \n\nI believe Affirms lack of proper fraud prevention measures and failure to investigate after notification constitutes negligence. I am requesting that this matter be formally reviewed and that appropriate corrective action be taken to restore my credit and hold the responsible party accountable.","date_sent_to_company":"2025-05-17T22:17:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91740","tags":"Servicemember","has_narrative":true,"complaint_id":"13569836","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Affirm Holdings, Inc","date_received":"2025-05-17T22:02:37.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["They failed to <em>conduct</em> a <em>proper</em> <em>investigation</em>, even after my request. \n\nNotably, the purchases madeincluding baby items and a computercorrelate with my ex-wife 's situation at the time, as she had just given birth. This is verifiable, yet Affirm declined to pursue action against her or to remove the account from my credit history. \n\nI believe Affirms lack of <em>proper</em> <em>fraud</em> prevention measures and failure to <em>investigate</em> after notification constitutes negligence."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[16.041103,"13569836"]},{"_index":"complaint-public-v1","_id":"18673378","_score":15.802113,"_source":{"product":"Credit card","complaint_what_happened":"I am filing a complaint regarding improper handling and denial of a fraud claim, refusal to permit meaningful escalation, and unprofessional conduct by multiple representatives. \n\nI reported repeated unauthorized transactions from the merchant XXXX XXXX XXXX in the amount of {$31.00}, occurring from XX/XX/XXXX through XX/XX/XXXX. I have never held an account, membership, or conducted any business with this merchant, and I did not authorize these charges. \n\nDespite clearly and repeatedly reporting these transactions as fraud involving unauthorized use, the issuer misclassified at least XXXX charge as a billing dispute / XXXX XXXX and cited termination of a XXXX as the basis for resolution. This explanation is factually incorrect. I never opened, maintained, or canceled any XXXX with this merchant. I explicitly advised the issuer that the transactions were unauthorized and requested that the claim be properly classified and investigated as fraud. The disputes team stated they could not change the classification. \n\nAs a result of this misclassification, the issuer denied the fraud claim without conducting a reasonable investigation consistent with the Fair Credit Billing Act and applicable consumer protection requirements. I was not provided a meaningful opportunity to rebut the incorrect assumptions underlying the denial. \n\nIn parallel, the issuers XXXX XXXX department has repeatedly refused to allow escalation to a supervisor or XXXX. I have been told multiple times to write in instead of speaking with management, despite explicitly requesting escalation. Supervisors have refused to speak with me, refused to assist, and redirected me back to writing in without substantive review. I have also been advised to stop calling, and on at least XXXX occasion, a representative terminated the call. \n\nInternal account notes reflect that agents and supervisors are documenting my repeated attempts to resolve this matter rather than addressing the substance of the fraud claim. I have contacted the issuer daily for approximately XXXX weeks in an effort to obtain a proper review and correction. \n\nI was additionally advised that transactions older than XXXX months must be handled in writing, despite the fact that all disputed transactions fall well within a XXXX period, making that explanation inconsistent and misleading. \n\nCollectively, this conduct reflects mischaracterization of unauthorized transactions, failure to conduct a reasonable investigation, denial of meaningful escalation, suppression of complaints, and unprofessional handling by representatives. \n\nI am requesting regulatory review, reopening of the fraud claim, a proper investigation under the Fair Credit Billing Act, correction of my account, removal of the unauthorized charges and any associated fees or interest, a written explanation of the findings, and internal review and appropriate disciplinary action regarding the conduct of the agents and supervisors who refused escalation and terminated calls. \n\nI have updated my preferred contact phone number then what is shown in my CFPB profile/complaint. Please use the updated number for any contact regarding this complaint : XXXX XXXX XXXX XXXX","date_sent_to_company":"2026-01-13T05:43:31.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"91355","tags":null,"has_narrative":true,"complaint_id":"18673378","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-01-13T05:22:28.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I am requesting regulatory review, reopening of the <em>fraud</em> claim, a <em>proper</em> <em>investigation</em> under the Fair Credit Billing Act, correction of my account, removal of the unauthorized charges and any associated fees or interest, a written explanation of the findings, and internal review and appropriate disciplinary action regarding the <em>conduct</em> of the agents and supervisors who refused escalation and terminated calls."]},"sort":[15.802113,"18673378"]},{"_index":"complaint-public-v1","_id":"17867917","_score":15.796325,"_source":{"product":"Credit card","complaint_what_happened":"I am filing this complaint because my bank denied my fraud claim without conducting a reasonable or thorough investigation and without allowing me to provide evidence demonstrating that the transactions were unauthorized. Such as proving my real location. \n\nDescription of the Issue In XX/XX/year>, multiple in-person transactions totaling approximately {$400.00} occurred in a city where I was not present. At the time of these transactions, I retained possession of my physical credit card. I did not authorize these purchases and could not have been physically present at the merchant location. \n\nGiven that the transactions were card-present while I retained the original card, this strongly indicates counterfeit or cloned card fraud. \n\nActions I Took I promptly reported the transactions as fraudulent. \n\nI informed the bank that I had my physical card in my possession at all times. \n\nI fully cooperated with the banks review process. \n\nI requested that the dispute be assessed as counterfeit card fraud. \n\n\nBanks Actions and Failures The bank denied my claim without a proper investigation, including the following failures : The bank denied my claim without a proper investigation, including the following failures : Failed to request or review documentation demonstrating that I was not in the city where the transactions occurred. \n\nFailed to provide me an opportunity to submit evidence of my physical location at the time of the transactions. \n\nFailed to request or review merchant video footage or other merchant verification to confirm the identity of the individual who made the purchases. \n\nFailed to adequately explain how in-person transactions could occur in a different city while I retained possession of the original physical card.","date_sent_to_company":"2025-12-09T12:35:26.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"98391","tags":null,"has_narrative":true,"complaint_id":"17867917","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-12-09T12:22:23.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I requested that the dispute be assessed as counterfeit card <em>fraud</em>. \n\n\nBanks Actions and Failures The bank denied my claim without a <em>proper</em> <em>investigation</em>, including the following failures : The bank denied my claim without a <em>proper</em> <em>investigation</em>, including the following failures : Failed to request or review documentation demonstrating that I was not in the city where the transactions occurred."]},"sort":[15.796325,"17867917"]},{"_index":"complaint-public-v1","_id":"17894836","_score":15.660847,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/year>, my Coinbase account was compromised by criminals who gained unauthorized access and conducted fraudulent transactions totaling {$10000.00} without my knowledge or authorization. This was part of a larger fraud scheme that affected multiple financial accounts totaling {$14000.00} in losses. \n\nI immediately reported this crime to law enforcement on XX/XX/year> and filed Police Report XXXX XXXXXXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX investigating XXXX. \nOn XX/XX/year>, Coinbase closed my account citing XXXX XXXX XXXX violations. However, I did not violate any terms - I am a victim of fraud. The \" prohibited activity '' they reference was conducted by criminals, not by me. \n\nWhen I attempted to contact Coinbase on XX/XX/year>, they initially could not locate my account by email address, suggesting the email may have been changed as part of the unauthorized access. After providing my verified phone number, I sent a formal fraud victim appeal with complete police documentation.\n\nI have {$10000.00} trapped in this closed account. Despite providing official police report documentation proving I am a fraud victim, Coinbase has not : Opened a formal fraud investigation Provided a case number Assigned a fraud investigator Given me access to withdraw my funds Distinguished between me as a victim versus the criminals who compromised my account As a XXXX-registered Money Services Business , Coinbase is required to investigate fraud claims and distinguish between perpetrators and victims. Retaining funds from a documented fraud victim without proper investigation violates California consumer protection laws including XXXX & XXXX XXXX XXXX.","date_sent_to_company":"2025-11-28T23:19:27.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"95661","tags":null,"has_narrative":true,"complaint_id":"17894836","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2025-11-28T23:09:26.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Retaining funds from a documented <em>fraud</em> victim without <em>proper</em> <em>investigation</em> violates California consumer protection laws including XXXX & XXXX XXXX XXXX."],"issue":["<em>Fraud</em> or scam"]},"sort":[15.660847,"17894836"]},{"_index":"complaint-public-v1","_id":"18949589","_score":15.476139,"_source":{"product":"Checking or savings account","complaint_what_happened":"Wells Fargo failed to conduct a reasonable fraud and identity theft investigation and denied me due process during its review. \nI reported fraudulent activity and identity theft involving multiple Wells Fargo accounts that were opened and/or reported without my authorization. The accounts affected include those ending in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, all of which were negatively reported. \nDuring XXXX XXXX investigation, the bank never requested supporting documentation from me, including police reports, FTC Identity Theft Affidavits, sworn statements, or any other evidence that could substantiate my fraud claim. I was not given any opportunity to submit proof or participate meaningfully in the investigation. \nDespite never requesting or reviewing consumer-provided evidence, Wells Fargo later issued a written response dated XX/XX/year> admitting that the accounts were not opened by me and were the result of identity theft, and stating that negative reporting had been deleted. \nWells Fargo claims it fully determined fraud occurred, yet this determination was made without requesting or reviewing any documentation from me, demonstrating that the bank failed to conduct a reasonable, good-faith investigation and relied on internal assumptions rather than facts. \nBy denying me the opportunity to submit evidence related to the fraudulent accounts ending in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, Wells Fargo deprived me of due process and failed to follow proper consumer protection standards.","date_sent_to_company":"2026-01-23T11:17:49.000Z","issue":"Opening an account","sub_product":"Other banking product or service","zip_code":"945XX","tags":null,"has_narrative":true,"complaint_id":"18949589","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-01-23T11:12:40.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["During XXXX XXXX <em>investigation</em>, the bank never requested supporting documentation from me, including police reports, FTC Identity Theft Affidavits, sworn statements, or any other evidence that <em>could</em> substantiate my <em>fraud</em> claim. I was not given any opportunity to submit proof or participate meaningfully in the <em>investigation</em>."]},"sort":[15.476139,"18949589"]},{"_index":"complaint-public-v1","_id":"12099064","_score":15.384525,"_source":{"product":"Credit card","complaint_what_happened":"Subject : Discovers Failure to Properly Investigate Unauthorized XXXX XXXX Transaction Complaint : I am filing a complaint against Discover Financial Services for failing to properly investigate an unauthorized transaction made through XXXX XXXX. Despite providing clear written evidence from the merchant ( XXXX ) confirming that the transaction was not linked to my account, Discover has refused to take action, stating that XXXX XXXX transactions can not be disputedan inaccurate and misleading claim. \n\nIssue Details : On XX/XX/year>, an unauthorized XXXX XXXX transaction for {$340.00} was processed at XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX \nI contacted XXXX  fraud department, who confirmed in writing that this transaction was not associated with my account and was linked to a different guest profile. \nDespite this clear evidence, Discover denied my dispute, falsely claiming that because the transaction was made via XXXX XXXX, they could not investigate or take action. \nXXXX XXXX confirmed they could not assist further, as financial institutions handle disputes. \nXXXX also could not verify the Device Account Number used for the transaction, because after my initial complaint, Discover canceled my card and issued a new one, making it impossible for me to access my previous XXXX XXXX details. \nDiscover never attempted to verify whether the Device Account Number used matched my XXXX XXXX, which would have definitively determined whether the charge was mine or not. \nWhy This is Unfair & Needs Action : Failure to Conduct a Proper Investigation Discover dismissed clear merchant-provided evidence and did not verify critical transaction details. \nMisrepresentation of XXXX XXXX Dispute Policy Discover falsely claims XXXX XXXX transactions can not be disputed, despite known cases of fraud and merchant processing errors. \nLack of Consumer Protection Discovers refusal to act leaves me without recourse for an unauthorized transaction.\n\nRequested Resolution : Reopen my dispute and conduct a proper investigation, including verifying the Device Account Number used for the transaction. \nProvide a written explanation detailing what steps were taken in the investigation if Discover continues to deny my claim. \nEnsure Discover is following CFPB regulations regarding fair consumer dispute investigations. \nI have exhausted all reasonable steps to resolve this issue with Discover, yet they refuse to assist despite clear evidence of an error. I request that the CFPB investigate this matter.","date_sent_to_company":"2025-02-22T02:17:15.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"19053","tags":null,"has_narrative":true,"complaint_id":"12099064","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-02-16T15:36:34.000Z","state":"PA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Requested Resolution : Reopen my dispute and <em>conduct</em> a <em>proper</em> <em>investigation</em>, including verifying the Device Account Number used for the transaction. \nProvide a written explanation detailing what steps were taken in the <em>investigation</em> if Discover continues to deny my claim. \nEnsure Discover is following CFPB regulations regarding fair consumer dispute <em>investigations</em>."]},"sort":[15.384525,"12099064"]},{"_index":"complaint-public-v1","_id":"11519006","_score":15.325166,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am submitting this formal complaint regarding Zelles inadequate handling of transaction disputes, which I have personally experienced. Despite using Zelle multiple times and reporting transaction discrepancies, both my financial institution and Zelle failed to conduct a thorough investigation into my claims. I was informed that recovering the lost funds was not possible and that tracking the transactions could not be effectively performed. The Consumer Financial Protection Bureaus ( CFPB ) recent findings have further highlighted systemic issues with Zelle, including a failure to protect consumers from fraud and allowing repeat offenders to misuse the platform without proper intervention. This ongoing lack of accountability and transparency is deeply concerning and leaves users, including myself, exposed to financial harm. I urge the CFPB to take decisive action to ensure stronger consumer protections and proper oversight of Zelles dispute resolution practices.","date_sent_to_company":"2025-01-15T02:18:53.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"77320","tags":null,"has_narrative":true,"complaint_id":"11519006","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-01-15T02:05:36.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Despite using Zelle multiple times and reporting transaction discrepancies, both my financial institution and Zelle failed to <em>conduct</em> a thorough <em>investigation</em> into my claims. I was informed that recovering the lost funds was not possible and that tracking the transactions <em>could</em> not be effectively performed."]},"sort":[15.325166,"11519006"]},{"_index":"complaint-public-v1","_id":"15599491","_score":15.292141,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a complaint against JPMorgan Chase Bank for wrongfully denying my fraud claim based on a XXXX timeline, despite the fraudulent charges being impossible to detect sooner. \nUnauthorized charges have been appearing on my Chase account ending in XXXX for several months. I discovered the fraud on XX/XX/year>, and reported it to Chase immediately that same day. \nThe representative I spoke with cited a XXXX liability policy and then hung up on me, refusing to process my claim. I have been unable to get past this point. \nThe reason I could not detect the fraud within XXXX  days is that the thief made charges at normal, everyday businesses I use frequently, specifically gas stations like XXXX and XXXX and grocery stores like XXXX. The charges were for small, routine amounts that blended in seamlessly with my legitimate transactions. I had no reason to suspect my card had been skimmed and my PIN stolen. \nI believe Chase is violating my rights under Regulation E by not conducting a proper investigation into these clearly fraudulent transactions. The bank 's failure to investigate and its reliance on a strict XXXX rule without considering the specific facts of my case is unfair and abusive. \nI am requesting that the CFPB ensure Chase : XXXX. Conducts a full and complete investigation. \nXXXX. Provides me with provisional credit for the full disputed amount immediately. \nXXXX. Reverses its denial and makes the provisional credit permanent. \nThank you for your assistance. \nXXXX XXXX","date_sent_to_company":"2025-08-29T17:28:24.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"98201","tags":null,"has_narrative":true,"complaint_id":"15599491","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-08-29T17:19:23.000Z","state":"WA","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I believe Chase is violating my rights under Regulation E by not <em>conducting</em> a <em>proper</em> <em>investigation</em> into these clearly fraudulent transactions. The bank 's failure to <em>investigate</em> and its reliance on a strict XXXX rule without considering the specific facts of my case is unfair and abusive. \nI am requesting that the CFPB ensure Chase : XXXX. <em>Conducts</em> a full and complete <em>investigation</em>. \nXXXX. Provides me with provisional credit for the full disputed amount immediately. \nXXXX."]},"sort":[15.292141,"15599491"]},{"_index":"complaint-public-v1","_id":"18107204","_score":15.173082,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, around XXXXXXXX XXXX my Chime account was taken over by an unknown person. During this time, I was locked out of my account and could not access it. While I had no control of my account, the attacker completed 46 unauthorized transactions totaling {$820.00} and sent the money to multiple unknown Chime accounts. I reported the fraud to Chime immediately and provided evidence that my account was compromised, including proof that my account information had been changed without my permission. Despite this, Chime denied my dispute and did not conduct a proper investigation. I am requesting the CFPBs assistance because the transactions were clearly unauthorized, and Chime failed to follow Regulation E requirements to investigate and reimburse unauthorized electronic fund transfers.","date_sent_to_company":"2025-12-04T05:01:28.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Checking account","zip_code":"07701","tags":null,"has_narrative":true,"complaint_id":"18107204","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-12-04T04:50:50.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Despite this, Chime denied my dispute and did not <em>conduct</em> a <em>proper</em> <em>investigation</em>. I am requesting the CFPBs assistance because the transactions were clearly unauthorized, and Chime failed to follow Regulation E requirements to <em>investigate</em> and reimburse unauthorized electronic fund transfers."],"issue":["Problem with <em>fraud</em> alerts or security freezes"]},"sort":[15.173082,"18107204"]},{"_index":"complaint-public-v1","_id":"16975617","_score":15.141467,"_source":{"product":"Prepaid card","complaint_what_happened":"CFPB Complaint XXXX XXXX  Unauthorized Transactions XXXX XXXX XXXX XXXX XXXX XXXX. \nXXXX, CA XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> Company : XXXX XXXX XXXX XXXX ( subsidiary of XXXX XXXX XXXX XXXX ) Product : Prepaid debit card ( Unemployment/Disability Benefits Card ) Issue : Unauthorized transactions/ Fraud dispute denied Dispute Reference No. : XXXX Complaint, Sometime in XX/XX/year>, I lost my XXXX XXXX  prepaid card ( used for unemployment/disability benefits ). While I was hospitalized and bedridden for XXXX days, approximately {$520.00} in unauthorized transactions were made at a casino and other locations between XX/XX/XXXX through early XX/XX/year>. \n\nI submitted a dispute with hospital admission/discharge paperwork as proof that I could not have made these transactions. Despite this, XXXX XXXX  denied my claim, stating only that they \" could not determine the transactions were unauthorized. \n\nThis response is inadequate and violates my rights under the Electronic Fund Transfer Act ( EFTA ) and Regulation E ( 12 C.F.R. 1005 ), which require the company to : Conduct a reasonable investigation into disputed transactions, Provide a written explanation of findings, and Issue a provisional or permanent credit unless the company can prove the transactions were authorized. \nI believe XXXX XXXX failed to conduct a proper investigation. They have also been the subject of numerous consumer complaints and a class-action lawsuit ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) alleging failures to protect cardholders against fraud and mishandling disputes. \n\nXXXX XXXX denial has left me without reimbursement for benefits I desperately need. \n\n\n\nDesired Resolution Reopen my dispute and conduct a proper investigation, Provide a detailed written explanation of how the decision was made, Issue a credit of {$520.00} back to my account as required by law. \n\n\nSupporting Documents Attached Hospital admission/discharge records Copy of dispute denial letter from XXXX XXXX XXXX of your appeal letter Sincerely, XXXX XXXX","date_sent_to_company":"2025-11-02T11:59:54.000Z","issue":"Problem with a purchase or transfer","sub_product":"Government benefit card","zip_code":"92870","tags":null,"has_narrative":true,"complaint_id":"16975617","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FISERV FINXACT CORE","date_received":"2025-11-02T11:11:03.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["This response is inadequate and violates my rights under the Electronic Fund Transfer Act ( EFTA ) and Regulation E ( 12 C.F.R. 1005 ), which require the company to : <em>Conduct</em> a reasonable <em>investigation</em> into disputed transactions, Provide a written explanation of findings, and Issue a provisional or permanent credit unless the company can prove the transactions were authorized. \nI believe XXXX XXXX failed to <em>conduct</em> a <em>proper</em> <em>investigation</em>."]},"sort":[15.141467,"16975617"]},{"_index":"complaint-public-v1","_id":"20340864","_score":15.076731,"_source":{"product":"Checking or savings account","complaint_what_happened":"am reporting unauthorized electronic fund transfers on my account with TD Bank. \n\nIn XXXX, multiple transactions labeled as phone transfers moved money from my savings account to my checking account. These transfers were not authorized by me. Following these transfers, funds were withdrawn from my checking account without my permission. \n\nI did not initiate these transfers, and I did not authorize anyone to access my accounts. I had security measures in place, including phone verification and voice authentication, yet these transactions were still processed. I did not receive proper alerts, and I have no record of making these calls or authorizing these actions. \n\nI have screenshots and documentation from a TD Bank branch confirming that these transactions exist. However, when I contacted TD Banks fraud department, I was told they could not see these transactions in their system and refused to open a fraud investigation. I was sent back to the branch, and the branch also refused to open a fraud claim or escalate the issue. \n\nI have been repeatedly sent back and forth between the branch and the fraud department without any resolution. I have explicitly stated that these transactions are unauthorized, yet the bank has refused to investigate, stating that the transfers were internal between my own accounts. \n\nRegardless of whether the transfers were internal, I did not authorize them. Someone gained access to my accounts and moved my money without my permission. This constitutes unauthorized electronic fund transfers.\n\nI am formally disputing these transactions under the Electronic Fund Transfer Act ( Regulation E ) and am requesting a full investigation into how these transactions were processed, how my account security was bypassed, and why no proper authentication safeguards prevented this activity.\n\nI am seeking reimbursement for any unauthorized withdrawals, a full explanation of how this occurred, and confirmation that a proper fraud investigation has been conducted. I am also requesting a written response explaining why my claim was not initially investigated and why I was denied the ability to open a fraud case.","date_sent_to_company":"2026-03-17T18:04:35.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"077XX","tags":null,"has_narrative":true,"complaint_id":"20340864","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2026-03-17T17:49:59.000Z","state":"NJ","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I am formally disputing these transactions under the Electronic Fund Transfer Act ( Regulation E ) and am requesting a full <em>investigation</em> into how these transactions were processed, how my account security was bypassed, and why no <em>proper</em> authentication safeguards prevented this activity.\n\nI am seeking reimbursement for any unauthorized withdrawals, a full explanation of how this occurred, and confirmation that a <em>proper</em> <em>fraud</em> <em>investigation</em> has been <em>conducted</em>."]},"sort":[15.076731,"20340864"]},{"_index":"complaint-public-v1","_id":"7118352","_score":15.008906,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/23 I received a phone call from Navy Federal Credit Union stating I was accused of fraud, and my XXXX account was suspended before conducting a proper investigation. The XXXX XXXX representative stated XXXX was the party responsible for suspending my account, and I would need to contact them directly to request for the suspension to be removed. I submitted text messages from the accuser directly to XXXX XXXX on XX/XX/23 as proof that I did not commit any fraudulent activities. I also filed a complaint against XXXX with CFPB on XX/XX/23 regarding my account. XXXX responded on XX/XX/23 ( letter attached ) and confirmed they completed a thorough review of my profile and confirmed there are no restrictions on their end. I called Navy Federal on XX/XX/23 to receive an update regarding the proof I submitted on XX/XX/23 so that a proper investigation could be implemented. As of todays date XX/XX/23, Navy Federal has not reviewed the information I submitted nor started investigating the falsified claim made against me and my suspended XXXX account. IT HAS BEEN OVER 3 MONTHS!!","date_sent_to_company":"2023-06-14T18:30:20.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"89052","tags":null,"has_narrative":true,"complaint_id":"7118352","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2023-06-14T17:48:13.000Z","state":"NV","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["I called Navy Federal on XX/XX/23 to receive an update regarding the proof I submitted on XX/XX/23 so that a <em>proper</em> <em>investigation</em> <em>could</em> be implemented. As of todays date XX/XX/23, Navy Federal has not reviewed the information I submitted nor started <em>investigating</em> the falsified claim made against me and my suspended XXXX account. IT HAS BEEN OVER 3 MONTHS!!"],"issue":["<em>Fraud</em> or scam"]},"sort":[15.008906,"7118352"]},{"_index":"complaint-public-v1","_id":"18053368","_score":14.971201,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint because Chime denied my fraud dispute without completing a proper investigation and without considering the evidence I provided. \n\nBetween XX/XX/XXXX and XX/XX/XXXX, multiple unauthorized transactions occurred on my account. During this exact timeframe, I was hospitalized and could not have performed these transactions myself. I submitted my hospital admission and discharge papers as proof. \n\nMy dispute is Claim ID XXXX. Chime denied my dispute but refused to provide any details about how the investigation was performed. They have not provided a final written determination or any explanation of their findings, which they are required to provide under Regulation E ( Electronic Funds Transfer Act ).\n\nI also filed a XXXX complaint, but Chime only responded with a generic message and did not address the evidence I submitted. The BBB closed the case because the business refused to cooperate, and my issue remains unresolved.\n\nChime has not followed Regulation E guidelines for handling unauthorized transactions. I am requesting assistance from the CFPB to require Chime to conduct a proper investigation and return my funds.","date_sent_to_company":"2025-12-02T00:55:33.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"77092","tags":null,"has_narrative":true,"complaint_id":"18053368","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-12-02T00:16:46.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I am requesting assistance from the CFPB to require Chime to <em>conduct</em> a <em>proper</em> <em>investigation</em> and return my funds."]},"sort":[14.971201,"18053368"]},{"_index":"complaint-public-v1","_id":"5929944","_score":14.96535,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I filed the Initial Fraud Claim due to Identity Theft on XXXX ( at the same time I filed the claims with my other 2 Capital One credit card accounts ) yet when I called on XXXX to check the status, this claim had mysteriously gone missing. So it was re-filed on XXXX with XXXX, who did so very reluctantly. Not only that, but the claim was not notated re : missing original claim filed on XXXX nor did it include all fraudulent transactions and payments that I had just reported to her again. Within hours, before I could call Capital One again about these missing transactions, the claim had already been denied and closed. I received a notice from Capital One on XXXX, stating a credit was posted to my account ( from a previously reported fraud transaction ), and for me to not use my card anymore as it would be denied. I didnt use my card!! The account is closed according to Capital One! These are credits from the merchants with fraudulent transactions coming in and they are not aware of this??? or they refuse to correlate the two and conduct a proper investigation. As I understand this letter, it is stating it will deny any future transactions whether it is a credit refund or a debit charge. My card is closed and has been since I initially reported the fraud, so it is impossible for me to use the card. It is some of the merchants crediting back for the fraudulent transactions that have occurred. \nCapital One has not conducted a proper investigation for fraud claims per the rules and regulations set forth by the Federal Reserve Board. Capital One refused to correct the claim as numerous fraudulent transactions and payments were omitted which were included in my initial claim. 3 ) Supervisor immediately denied my claim as she made false accusations stating I made these transactions. Furthermore, she notated my claims suggesting \" not true fraud '' and then immediately denied all XXXX claims.","date_sent_to_company":"2022-08-30T14:29:58.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"32258","tags":null,"has_narrative":true,"complaint_id":"5929944","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2022-08-30T14:10:44.000Z","state":"FL","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["Capital One has not <em>conducted</em> a <em>proper</em> <em>investigation</em> for <em>fraud</em> claims per the rules and regulations set forth by the Federal Reserve Board. Capital One refused to correct the claim as numerous fraudulent transactions and payments were omitted which were included in my initial claim. 3 ) Supervisor immediately denied my claim as she made false accusations stating I made these transactions."]},"sort":[14.96535,"5929944"]},{"_index":"complaint-public-v1","_id":"10402213","_score":14.868731,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint regarding Navy Federal Credit Unions ( NFCU ) denial of my fraud claim, involving over XXXX unauthorized transactions totaling more than {$6500.00}. These fraudulent transactions occurred between the morning of XX/XX/XXXX ( XXXX, XXXX, XXXX ( XXXX ) through XXXX XXXX XXXX after I accidentally left my debit card in an ATM in XXXX, XXXX. Despite my prompt report and substantial evidence provided, NFCU denied my fraud claim and my several attempts to appeal. \n\nDetails of the Issue : On the morning of XXXX XXXX XXXX, I made a cash withdrawal from an ATM in XXXX, XXXX, and accidentally left my debit card behind in the machine. Shortly after, I received a text message from NFCU asking me to confirm a transaction. Believing it was for my recent withdrawal, I replied Yes, not realizing that this was the start of several fraudulent transactions that would follow. \n\nThe fraudulent transactions continued through the night of XX/XX/XXXX, totaling over {$6500.00}. I was unaware of the fraud until I returned to XXXX XXXXXXXX XXXX on XX/XX/XXXX. After noticing my card was missing, I immediately checked my account and saw a negative balance of - {$15.00}. I contacted NFCU 's fraud department immediately and filed a claim for the unauthorized transactions. \n\nI provided timestamped receipts from XXXX, XXXX, and my plane ticket, which demonstrate that I left XXXX on the morning of XX/XX/XXXX, proving that I could not have been involved in the transactions that occurred afterward. Additionally, I requested that NFCU provide the exact timestamps and locations of the fraudulent transactions to further support my claim, but they refused to provide this information. \n\n\nNFCUs denial of my fraud claim and several appeal was vague and seemed like a copied-and-pasted response, lacking any explanation that would indicate a thorough investigation was conducted. They did not address the specific circumstances of my case, nor did they provide the requested transaction details that could clearly prove I was not at the locationor even in the countryduring most of the fraudulent activities. \n\nTheir refusal to provide critical information and the generic nature of their response suggests that my claim was not given the attention or investigation it required, which raises concerns about their adherence to the proper dispute resolution process. \n\nI am requesting that NFCU provide the exact timestamps and locations of all the fraudulent transactions so that I can further demonstrate that I was not at the location, or even in the country when these transactions occurred. \n\nI request that the CFPB investigate whether NFCU followed the proper procedures under Regulation E and whether they conducted a fair and thorough investigation before denying my fraud claim. \n\nI have bank statements highlighting the fraudulent transactions. \nReceipts from XXXX information of my XXXX location to prove I was not out when most of the transactions happened the morning of XX/XX/XXXX and my plane ticket proves I traveling over XXXX Hours on a plane and on a layover not in XXXX during many of the fraudulent transactions on XX/XX/XXXX. \n\nCopies of my correspondence with NFCU, including their generic denial response. \nI believe NFCUs handling of this case has been unjust, lacking a proper investigation, and may be in violation of Regulation E. I am seeking CFPBs assistance in resolving this matter promptly.","date_sent_to_company":"2024-10-09T23:37:29.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"89123","tags":null,"has_narrative":true,"complaint_id":"10402213","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-10-09T21:53:04.000Z","state":"NV","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I request that the CFPB <em>investigate</em> whether NFCU followed the <em>proper</em> procedures under Regulation E and whether they <em>conducted</em> a fair and thorough <em>investigation</em> before denying my <em>fraud</em> claim. \n\nI have bank statements highlighting the fraudulent transactions."]},"sort":[14.868731,"10402213"]},{"_index":"complaint-public-v1","_id":"18147394","_score":14.78107,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Product : Checking or savings account Account type : Business account Issue : Wire transfer / Scam bank failed to properly investigate Complaint text : On XX/XX/year>, I reported a scam involving a {$60000.00} wire transfer sent from my business account. \nBank of America acknowledged that I was a scam victim and assigned a claim number. \nThe transaction was induced by material misrepresentation. The seller claimed revenue that could not have existed, as the referenced supplier did not exist or was not operating during the relevant time period. This is objective, verifiable evidence of fraud. \nDespite acknowledging the scam, Bank of America did not request documentation, did not evaluate the misrepresentation, and did not conduct a proper investigation. The matter was handled solely as a wire recall attempt and effectively closed on the basis that the wire could not be reversed. \nClosing a scam claim because a wire can not be recalled does not constitute a proper investigation. The bank failed to assess readily available evidence and failed to provide a written determination addressing the misrepresentation. \nAs a result of Bank of Americas procedural failures, I was deprived of meaningful remedies and suffered financial harm. \nI am requesting that Bank of America : Acknowledge its failure to properly investigate the reported scam Provide a written explanation of the investigative steps taken Provide appropriate remediation for the harm caused by its mishandling of this claim Attachments to upload : Scam Victim Acknowledgment ( XX/XX/year>XXXX  ) Wire confirmation ( date, amount, reference ) Any seller representations ( emails/contracts ) Proof supplier did not exist/ was inactive at the time","date_sent_to_company":"2025-12-18T17:42:00.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"11003","tags":null,"has_narrative":true,"complaint_id":"18147394","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-12-18T16:52:44.000Z","state":"NY","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":["The seller claimed revenue that <em>could</em> not have existed, as the referenced supplier did not exist or was not operating during the relevant time period. This is objective, verifiable evidence of <em>fraud</em>. \nDespite acknowledging the scam, Bank of America did not request documentation, did not evaluate the misrepresentation, and did not <em>conduct</em> a <em>proper</em> <em>investigation</em>. The matter was handled solely as a wire recall attempt and effectively closed on the basis that the wire <em>could</em> not be reversed."],"issue":["<em>Fraud</em> or scam"]},"sort":[14.78107,"18147394"]},{"_index":"complaint-public-v1","_id":"20500888","_score":14.742546,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Fraudulent Credit Card Account and Charges Wrongly Assigned to Me ; Bank of America Refuses to Correct Error or Acknowledge Fraud.\n\nIssue : Bank of America has reported and attempted to collect a credit card debt that is not mine, involving an account and charges that were opened and/or used fraudulently while I was hospitalized and had no access to any devices, cards, or ability to conduct transactions. Bank of America has twice denied my fraud claims despite documented proof that the charges were impossible for me to make.\n\nWhat Happened I applied for and was issued one secured credit card from Bank of America with a strict {$300.00} credit limit. I never applied for, authorized, or received any unsecured credit card from Bank of America. \nFrom XX/XX/year> through XX/XX/year>, I was an inpatient client at XXXX XXXX XXXX ( documented through XXXX  records and confirmed by the XXXX  XXXX  ). During this time : I had no access to my credit cards, phone, computer, or any personal devices. \nI could not make, authorize, or benefit from any charges. \nAny application or account opened in my name during this period was fraudulent. \n\nDespite this, Bank of America allowed charges more than ten times my secured credit limit to be approved. These charges are impossible for me to have made.\n\nI filed two separate fraud claims with Bank of America and provided : Proof of my hospitalization A formal letter from XXXX XXXX XXXX confirming my lack of access to all devices Evidence demonstrating my physical incapacity to conduct or authorize any transactions Bank of America denied both fraud claims without meaningful explanation and continues to hold me responsible for charges that occurred while I was hospitalized and incapacitated. \n\nWhat Bank of America Did Wrong They allowed charges far exceeding my secured credit limit. \nThey failed to detect or stop clear signs of fraud. \nThey refused to acknowledge indisputable evidence that I could not have made these transactions. \nThey denied my fraud claims without proper investigation. \nThey failed to follow proper procedures under the XXXX XXXX Billing Act ( FCBA ). \nThey continue to report these fraudulent charges as legitimate debt. \n\n\nWhat I Am Requesting From the CFPB I respectfully request that the CFPB require Bank of America to : Reopen and properly investigate my fraud claims. \nProvide full documentation of the account application and all disputed transactions. \nRemove all fraudulent charges from my record. \nCease all collection efforts related to this fraudulent debt. \nCorrect any negative credit reporting associated with this account. \nConfirm that the only account I legitimately opened was the secured {$300.00} credit limit card. \n\nI am being held financially responsible for charges that were clearly fraudulent, made during a period in which I was physically incapable of conducting any financial activity. \n\nMy Current Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX","date_sent_to_company":"2026-03-23T13:37:27.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"90016","tags":null,"has_narrative":true,"complaint_id":"20500888","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-03-23T13:27:50.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["They failed to detect or stop clear signs of <em>fraud</em>. \nThey refused to acknowledge indisputable evidence that I <em>could</em> not have made these transactions. \nThey denied my <em>fraud</em> claims without <em>proper</em> <em>investigation</em>. \nThey failed to follow <em>proper</em> procedures under the XXXX XXXX Billing Act ( FCBA ). \nThey continue to report these fraudulent charges as legitimate debt."]},"sort":[14.742546,"20500888"]},{"_index":"complaint-public-v1","_id":"6395820","_score":14.625135,"_source":{"product":"Mortgage","complaint_what_happened":"Ive had a problem with my mortgage company PHH mortgage services. \nI have notified my mortgage provider that my bank accounts were compromised due to an illegal and unlawful intrusion into two of my banking checking accounts. This intrusion took place between XX/XX/2022 through to XX/XX/2022. \n\nWhen I pay my payments, I set up an ACH or an automatic withdrawal from my account. This is how I pay my mortgage since origination. I always make online schedule payments to be paid to my account but in this particular situation, I requested payment to be made and those payments were canceled due to the fact that my bank without prior notification, closed any access to withdraw or deposit to this account due to the fact that there was an intrusion. My banks fraud department proceeded to investigate.\n\nFraud packets were sent to the credit card agency as well as my mortgage company. Also there was two letters from my bank taking ownership for prematurely do an emergency freeze of my accounts without prior notification. This action was historical to my account and was out of the ordinary if you look at my baking history.\n\nI requested my mortgage company to update this information. And I sent in the documents that they requested so that they may review it. Before the documents could even be received by the mortgage company , the mortgage company responded back stating that the information was accurate. Without the documentation from the banks I find that very difficult to make this determination.\n\nI also have an issue with the fact that this mortgage company servicer, stated that they received the documents even though they did not. This means that no investigation was conducted because there was no documentation received in order to review. Undoubtably this mortgage servicer did not complete a proper investigation into my request. The credit report Nac did not conduct a proper investigation if they did not have the documentation from the mortgage servicer to make a proper decision. These companies are just making decisions and not actually going through the actual process of review. This is unfair to every consumer who puts their faith in a mortgage service provider to do the right thing and to actually investigate and review request by the consumers. Falsifying information and stating that you did something when you didnt have the documentation to do it is of a gross negligence nature.","date_sent_to_company":"2023-01-05T02:31:15.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"91739","tags":"Servicemember","has_narrative":true,"complaint_id":"6395820","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2023-01-05T01:22:13.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Undoubtably this mortgage servicer did not complete a <em>proper</em> <em>investigation</em> into my request. The credit report Nac did not <em>conduct</em> a <em>proper</em> <em>investigation</em> if they did not have the documentation from the mortgage servicer to make a <em>proper</em> decision. These companies are just making decisions and not actually going through the actual process of review."]},"sort":[14.625135,"6395820"]},{"_index":"complaint-public-v1","_id":"16391431","_score":14.612465,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am writing to formally express my concerns regarding Zelles dispute handling practices, especially in light of the recent CFPB lawsuit that has brought to light serious issues with the platforms consumer protection standards. Despite being a frequent user of Zelle and reporting multiple transaction discrepancies, neither my financial institution nor Zelle conducted a proper investigation into my claims. I was informed that recovering the lost funds was not possible and that tracking the transactions could not be done, which I find deeply troubling. \n\nThe CFPBs findings demonstrate that Zelle has repeatedly failed to safeguard consumers and has permitted repeat offenders to exploit its system, leaving users increasingly vulnerable to fraud and scams. This ongoing lack of accountability, transparency, and oversight is unacceptable and raises major concerns about the safety and reliability of Zelle as a financial service platform.","date_sent_to_company":"2025-10-06T17:07:12.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"60653","tags":null,"has_narrative":true,"complaint_id":"16391431","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-10-06T16:33:59.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Despite being a frequent user of Zelle and reporting multiple transaction discrepancies, neither my financial institution nor Zelle <em>conducted</em> a <em>proper</em> <em>investigation</em> into my claims. I was informed that recovering the lost funds was not possible and that tracking the transactions <em>could</em> not be done, which I find deeply troubling."]},"sort":[14.612465,"16391431"]},{"_index":"complaint-public-v1","_id":"15283185","_score":14.5690155,"_source":{"product":"Credit card","complaint_what_happened":"I am filing this formal complaint against Bank of America regarding their mishandling of a fraud claim I submitted for an unauthorized {$100.00} charge. I used my Bank of America card solely for the purpose of checking into a hotel. Days later, a {$100.00} charge posted to my account from the same merchant that I did not authorize. This charge was separate from my initial check-in transaction.\n\nI filed a fraud claim with Bank of America and clearly stated that I had not authorized any charge on the date the transaction posted. Despite this, my claim was denied after their investigation.\n\nUpon my own follow-up with the hotel, they admitted that my card was tied to a completely different guests reservation a stranger whose name they provided to me. This is clear evidence of both fraud and merchant error. If Bank of America had conducted a proper investigation, they could have confirmed this directly with the merchant.\n\nInstead, they closed my claim without explanation and without providing details on what evidence was reviewed. This shows a failure to perform due diligence in investigating fraud claims, leaving me to resolve an unauthorized charge on my own.\n\nI am requesting that the CFPB document this as a formal complaint and review Bank of Americas dispute resolution process to ensure : 1. Customers are informed of the specific evidence used to deny a fraud claim.\n\n2. Merchant admissions of error are taken into account in claim decisions.\n\n3. Genuine fraud claims are investigated thoroughly and fairly.\n\nThis is a matter of consumer protection and accountability. Bank of Americas handling of this case has been negligent and has failed to protect me as a customer.","date_sent_to_company":"2025-08-14T23:28:51.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"30294","tags":null,"has_narrative":true,"complaint_id":"15283185","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-08-14T23:10:23.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["If Bank of America had <em>conducted</em> a <em>proper</em> <em>investigation</em>, they <em>could</em> have confirmed this directly with the merchant.\n\nInstead, they closed my claim without explanation and without providing details on what evidence was reviewed. This shows a failure to perform due diligence in <em>investigating</em> <em>fraud</em> claims, leaving me to resolve an unauthorized charge on my own.\n\nI am requesting that the CFPB document this as a formal complaint and review Bank of Americas dispute resolution process to ensure : 1."]},"sort":[14.5690155,"15283185"]},{"_index":"complaint-public-v1","_id":"22187383","_score":14.529086,"_source":{"product":"Credit card","complaint_what_happened":"disputed multiple transactions on my XXXX credit card statement that appeared as XXXX XXXX  charges. I did not authorize these transactions. \n\nMany of the disputed transactions were repeated charges with identical or very similar amounts, which raised serious concerns that these were unauthorized or fraudulent transactions rather than legitimate purchases. \n\nI contacted XXXX directly to verify whether these were legitimate XXXX purchases connected to my XXXX account. XXXX XXXX  informed me that they could not verify these transactions as legitimate XXXX purchases associated with my account. \n\nThis raised additional concerns that the charges may have been fraudulent transactions intentionally disguised as XXXX charges. \n\nI disputed the charges with XXXX and requested a proper investigation and verification of the transactions. However, XXXX closed the dispute and later informed me that they would not reopen the investigation unless I provided additional information. \n\nI believe I DID provide new and relevant information because XXXX could not confirm these transactions as valid XXXX purchases. \n\nDespite this, XXXX refused to properly reinvestigate the matter and continues to treat the charges as valid. \n\nI am concerned that XXXX failed to conduct a reasonable investigation into potentially fraudulent transactions and may report disputed balances to credit reporting agencies despite unresolved fraud concerns.","date_sent_to_company":"2026-05-14T03:09:25.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"90015","tags":null,"has_narrative":true,"complaint_id":"22187383","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-05-14T02:34:56.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I am concerned that XXXX failed to <em>conduct</em> a reasonable <em>investigation</em> into potentially fraudulent transactions and may report disputed balances to credit reporting agencies despite unresolved <em>fraud</em> concerns."]},"sort":[14.529086,"22187383"]},{"_index":"complaint-public-v1","_id":"20190121","_score":14.476366,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"i scammed with phone number XXXX so many people got scam from same phone number but name was different .i attached proof of picture that community was XXXX XX/XX/25 amount {$1100.00} XXXX  to XXXX i was victim of XXXX  scam.i sent money for goods that were never delivered.i filed a police report ( XXXX ) and also reported the fraud to XXXX  ( XXXX ) .i submitted multiple disputes to citibank, but they denied my claim three times without conducting a proper investigation. they simply stated the decision remains the same as the previous one. i provided new evidence including a police report and scam documentation, but citibank failed to reasaonably review my case.i am requesting a proper fraud investigation and reimbursement of the stolen funds.it was not unauthorized this is scam fraud claim but they denied i was authorized to send so i have to contact them. i made a XXXX  payment on saturday. shortly after, i discovered that the XXXX  was part of active scam and many other victims were already reportinf fraud related to same phone number with a lot of different name .i immediately contacted citi and asked them to stop the payment while the funds were still in my account. when i formally reported the issue to citi on monday, the repesentive treated it as a simple purchase dispute and told me i needed to wait for the item to arrive. this was not a normal purchase issue it was a scam, i clearly explained that at the time.because my case was not handled properly in the beginning, the payment was allowed to go through when it could have been stopped.if citi had filed the dispute correctly when i first reported the fraud, the founds would still have been in my account and this loss could have been prevented.i acted quickly, reported the scam as soon as i became aware of it, and provided all requested documentation, includinda police report. despite this, my claims have continued to be denied without proper consideration of fact that this was adoucumented scam and that i tried to stop the paymeent immedeatly. i am extremely disappointed that my case was not handled appropriately from the start and that it continues to be denied. that is why i am now filling this complaint. my new case number XXXX with citi dispute.also i already complain XXXX XXXX but they did not response .i ll attach proof of other people got scam from same phone number like me .than u can tell this is the scam.","date_sent_to_company":"2026-03-12T02:47:18.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"92705","tags":null,"has_narrative":true,"complaint_id":"20190121","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-03-12T02:03:12.000Z","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":["i scammed with phone number XXXX so many people got scam from same phone number but name was different .i attached proof of picture that community was XXXX XX/XX/25 amount {$1100.00} XXXX  to XXXX i was victim of XXXX  scam.i sent money for goods that were never delivered.i filed a police report ( XXXX ) and also reported the <em>fraud</em> to XXXX  ( 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