{"took":189,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":77,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3581656","_score":16.888597,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX, a fraudulent charge was made to my Chase Saphire card through a food delivery app called XXXX. This is an app that I regularly use and has my credit card stored in it for purchases. On XX/XX/XXXX, my XXXX app was hacked and the fraudster made an order from a restaurant in XXXX, OR for {$140.00}. Once I was made aware of the purchase ( the following day ) I contacted Chase Bank who immediately removed the charge, canceled my current Saphire card and issued a new one with a new number. Then on XX/XX/XXXX, the charge for {$140.00} showed back up on my statement. As a result, I've made several attempts at contacting the Bank and have been placed on hold and ignored. I called on XX/XX/XXXX and never reached anyone - after waiting on hold for an hour and 12 minutes. I then tried to reach them via their XXXX  page, which states a rep will respond shortly - no one ever answered my inquiry despite leaving a detailed overview of my issue and what happened. On XX/XX/XXXX, I did reach a representative, who reviewed my account and stated \" the wrong department handled your claim initially - I will have to forward you to the fraud department, the wait till be between 10-20 minutes. I am now going on 87 minutes of waiting and have yet to be helped. This issue should have been resolved on my first phone call on XX/XX/XXXX. This is fraud and the bank 's handling of this is completely unacceptable.","date_sent_to_company":"2020-03-26T16:45:57.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"021XX","tags":null,"has_narrative":true,"complaint_id":"3581656","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-03-26T16:36:07.000Z","state":"MA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["On XX/XX/<em>XXXX</em>, I did reach a representative, who reviewed my account and stated \" the wrong <em>department</em> handled your claim initially - I will have to forward you to the <em>fraud</em> <em>department</em>, the wait till be between 10-20 minutes. I am now going on 87 minutes of waiting and have yet to be helped. This issue should have been resolved on my first <em>phone</em> call on XX/XX/<em>XXXX</em>. This is <em>fraud</em> and the bank 's handling of this is completely unacceptable."]},"sort":[16.888597,"3581656"]},{"_index":"complaint-public-v1","_id":"6119288","_score":14.754268,"_source":{"product":"Checking or savings account","complaint_what_happened":"REQUEST FOR RECONSIDERATION XX/XX/2022 TO : Bank of America Fraud Department Fax : ( XXXX ) XXXX FROM : XXXX, AZ XXXX Phone : OVERVIEW : I request reconsideration of the initial denial of my fraud claim, # XXXX, which I filed on XX/XX/2022 after transactions unauthorized by mei.e., without my permission and unbeknownst to XXXX made by third parties to steal money from my Bank of America XXXX BoA XXXX checking account and via my BoA credit card. Federal lawe.g., Regulation Erequires BoA to reimburse me for such unauthorized transactions. \n\nBelow, I provide a narrative of the fraudulent activity occurring on XX/XX/2022, as well as an account of what has since happened between me and BoA regarding my claim. I also note that I reported the third parties fraudulent activities on the day they occurred and, thus, provided timely notice of the fraud. Additionally, it is worth noting that I have a three-decades-long and spotless history with BoA. \n\nFRAUD CLAIM : Fraudulent Activity On the morning of XX/XX/2022, I made two phone calls to ( XXXX ) XXXX to inform XXXX ( XXXX ) that I was receiving packages that I had not ordered. Neither call was answered. Thus, I googled Amazons customer-service number, and my search returned the number ( XXXX ) XXXX. \n\nI dialed the latter number at XXXX. The person who answered purported to be an XXXX representative, and he explained that he would refer my complaint about the unordered packages to the appropriate department, after which another XXXX representative would call me. \n\nI received a telephone call at XXXX from ( XXXX ) XXXX. This caller also purported to be an XXXX representative, and I explained to him the issue about receiving unordered packages. At no time did I provide any information regarding my BoA checking account or credit card, as such information had nothing to do with the issue I was attempting to bring to XXXX attention. \n\nMoreover, I became suspicious of the caller once he mentioned that I needed to go to XXXX to buy XXXX gift cards. In fact, I decided to drive to a nearby XXXX to ask them if they had received such requests before and to alert them that this caller was likely attempting to involve them in fraudulent gift-card activity. Once there, I talked with a cashier, who thought it was a good idea to check with my bank just in case the caller was up to some other type of fraud. \n\nI drove to my BoA branch, which was also nearby. There, I learned that third parties had made an unauthorized transaction on my credit card and made a series of unauthorized electronic transfers of money out of my checking account. I tried several times to contact BoAs Fraud Department by phone, but no call was successful because I did not have a good connection at the bank. Finally, I used my bankers desk phone to report the fraud and make a claim. My banker also helped me to close my BoA credit-card and checking accounts to prevent further fraud. \n\nPost-Claim Events Since XX/XX/XXXX, I have attempted to obtain copies of all relevant documents related to my BoA accounts and the fraudulent transactions on numerous occasions. This has often involved waiting two or more hours on the phone to be connected to BoAs Fraud Department, to no avail. \n\nI eventually received a letter from BoA denying my fraud claim. In the denial letter, BoA alleges that an authentication code [ was ] sent to a valid phone number belonging to a signer on the account, seemingly in connection with authorizing the fraudulent transactions. However, on XX/XX/XXXX, I did not request any such authentication code, nor did I receive XXXX on my cellphone ( the only electronic device I use, and the only phone I have ) and, consequently, I could not have responded to any supposed authentication-code request. In short, I did not authorized the electronic transfers of money out of my BoA checking account, nor did I authorize the cash-advance transaction on my BoA credit card. \n\nThe denial letter also stated that I have the right to request the documents [ BoA ] relied on in making [ its ] determination and that BoA would mail the information to [ me ] for [ my ] records. On XX/XX/2022, I called BoAs Fraud Department to request these documents. A BoA agent from the Fraud Department said that he would call me back regarding the documents. He never did. \n\nOn XX/XX/2022, I again called BoAs Fraud Department. Instead of agreeing to provide copies of the relevant documents, this BoA agent suggested that I file a request for reconsideration. I do so here, while noting that I do so without any being able to specifically respond to BoAs supposed evidence of authorization given that I still have not been provided with the relevant documents. \n\nOn XX/XX/2022, I reported the third parties fraudulent activity concerning my BoA credit card and checking account to the XXXX Police Department ( police report # XXXX ). \n\nCONCLUSION : I request that the denial of my fraud claim be reversed. Pursuant to federal law, I am entitled to relief for the monetary losses I suffered as a result of the third parties fraudulent activity with respect to my BoA checking account and credit card. \n\nIf, on the other hand, BoA continues to refuse to make me whole for the losses caused by the unauthorized transactions on my BoA accounts, then I demand, again, that BoA mail me all the documents BoA relied on to conclude that I purportedly authorized the third parties fraudulent activity ( relatedly, this letter also serves as a notice of litigation hold in relation to future legal action ). \n\nThank you for your reconsideration of my claim. \n\n\nSigned : Date : _____________________________ ______________________________ I believe these unauthorized transactions total {$3400.00} with respect to my BoA checking account and {$1500.00} with respect to my BoA credit card. However, I have been unable to definitively determine the extent of the fraudulent activity because BoA has not provided me with the necessary documentation even though I have requested it numerous times. \n\nIn addition, a call came in at XXXX from ( XXXX ) XXXX, which I did not answer. A text had been sent from the same number at XXXX asking if I had purchased the gift cards yet. \n\nI have requested copies of all relevant documents regarding my claim and I have not received any.","date_sent_to_company":"2022-10-23T23:04:22.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"85201","tags":"Older American","has_narrative":true,"complaint_id":"6119288","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-10-23T21:57:34.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["REQUEST FOR RECONSIDERATION <em>XX/XX</em>/2022 TO : Bank of America <em>Fraud</em> <em>Department</em> Fax : ( <em>XXXX</em> ) <em>XXXX</em> FROM : <em>XXXX</em>, AZ <em>XXXX</em> <em>Phone</em> : <em>OVERVIEW</em> : I request reconsideration of the initial denial of my <em>fraud</em> claim, # <em>XXXX</em>, which I filed on <em>XX/XX</em>/2022 after transactions unauthorized by mei.e., without my permission and unbeknownst to <em>XXXX</em> made by third parties to steal money from my Bank of America <em>XXXX</em> BoA <em>XXXX</em> checking account and via my BoA credit card."]},"sort":[14.754268,"6119288"]},{"_index":"complaint-public-v1","_id":"9612781","_score":14.013521,"_source":{"product":"Checking or savings account","complaint_what_happened":"Description of Incident and Appeal of Denied Fraud Claim I am writing to formally report the mishandling of my recent debit card fraud claim by Wells Fargo Bank. I have been a loyal Wells Fargo customer for nearly 20 years, and the treatment I have received regarding this issue has been extremely disappointing and frustrating. \n\nIncident Overview : On XX/XX/XXXX, I used my Wells Fargo debit card for the last time at a XXXX location. Later that afternoon, I received a text message from Wells Fargo about a suspicious transaction at XXXX. Believing this to be related to my earlier transaction, I did not immediately act. Unfortunately, it appears my card was lost at this location and subsequently used by an unauthorized individual. \n\nFraudulent Transactions : The scammer made multiple fraudulent transactions at various locations, including XXXXXXXX XXXX XXXX XXXX. Despite my immediate action to report the missing card and fraudulent activity to Wells Fargo on the same day, my claim was denied. I was informed that my claim lacked \" indicating factors '' of fraud, which contradicts the very nature of the notifications I received from Wells Fargo about suspicious activity. \n\nDetails of Fraudulent Transactions : XXXX transactions at XXXX : {$40.00} {$17.00} {$20.00} {$20.00} {$20.00} {$24.00} XXXX transactions at XXXX : {$200.00} {$74.00} Police Report : I have filed a police report regarding this matter and was assigned case number XXXX. During my discussions with the Wells Fargo claims department, I encountered a lack of support and an unwillingness to provide necessary information, such as merchant addresses and phone numbers, which are crucial for the police investigation. I had to personally research the merchant locations : XXXX merchant : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX XXXX merchant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX with Wells Fargos Response : The confirmation of my legitimate XXXX transaction has been misinterpreted as an indication that all subsequent transactions were authorized, which is not the case. This misinterpretation has led to an unjust denial of my claims. On the day the fraud took place, it was evident from my online banking statements that the scammer attempted to use my card multiple times at the same location, with some transactions being declined and subsequently approved upon repeated attempts. This raises concerns about possible collusion between the merchant and the scammer in these illicit activities. \n\nLack of Support : Throughout this ordeal, the Wells Fargo claims department has demonstrated a lack of desire to assist me. From the initial call to file the claim to the most recent discussion on XX/XX/XXXX, I have encountered closed-mindedness and a dismissive attitude. Even basic information requests, such as the merchant 's address or phone numbers, which are vital for the police investigation, were refused. \n\nConclusion : This experience has been horrendous, and I feel neglected as a long-time customer. If Wells Fargo does not rectify this situation, I will be compelled to close my accounts and take my business elsewhere. I hope for a thorough and fair review of my appeal to resolve this matter justly.","date_sent_to_company":"2024-07-25T19:57:11.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"33434","tags":null,"has_narrative":true,"complaint_id":"9612781","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-07-25T19:49:58.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Description of Incident and Appeal of Denied <em>Fraud</em> Claim I am writing to formally report the mishandling of my recent debit card <em>fraud</em> claim by Wells Fargo Bank. I have been a loyal Wells Fargo customer for nearly 20 years, and the treatment I have received regarding this issue has been extremely disappointing and frustrating. \n\nIncident <em>Overview</em> : On XX/XX/<em>XXXX</em>, I used my Wells Fargo debit card for the last time at a <em>XXXX</em> location."]},"sort":[14.013521,"9612781"]},{"_index":"complaint-public-v1","_id":"8390368","_score":13.782521,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"This letter is an overview of the fraudulent activity that occured on my XXXX XXXX XXXX Account ending in XXXX. \n\nXX/XX/XXXX was incarcerated in the Alabama Department XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. \n\nXX/XX/XXXX I released my personal property, ( cellphone & Wallet ) to my daughter ( XXXX XXXX ). \n\nXX/XX/XXXX, XXXX XXXX XXXX illegally and without authorization stole my wallet and cellphone from my daughter 's house. \n\nXXXX had been a roommate and I had known her for a couple years. \n\nThe first thing XXXX did was to change my username and passwords on XXXX email, XXXX, XXXX, and XXXX XXXX XXXX. \n\nShe now had control of all my accounts. She had access to my phone & email for verification purposes. \n\nXX/XX/XXXX Unauthorized XXXX transfer {$500.00} to XXXX XXXX. \n\nXX/XX/XXXX Unauthorized XXXX  transfer {$500.00} to XXXX XXXX. \n\nXX/XX/XXXX Unauthorized XXXX transfer {$360.00} to XXXX XXXX. \n\nI contacted XXXX XXXX and file a Fraud Claim. \n\nI asked XXXX to change my username, password, email, and phone number associated with my account to stop her from taking more. \n\nXXXX said that my account would be frozen and that I would need to come to a local branch and show ID to gain access. I was incarcerated and assured them I would do that upon my release. \n\nXX/XX/XXXX Unauthorized XXXX transfer XXXX to XXXX XXXX. \n\nI was extremely upset with Chase Bank and how they did nothing to protect me. They said someone called into Customer service and activated the account. \n\nChase Bank disconnected the XXXX feature on my account and froze the account again. \n\nI now had to file yet another XXXX claim for XXXX My claims where denied with the findings that the transactions were from the same phone, email, and XXXX Banking XXXX. \n\nI explained once again, aim incarcerated, I didn't have the option to have my cellphone in jail. It would be impossible. \n\nXX/XX/XXXX Unauthorized XXXX XXXX ACH transfer of {$500.00} to XXXX XXXX. \n\nXX/XX/XXXX Unauthorized XXXX XXXX ACH transfer of {$100.00} to XXXX XXXX. \n\nNow I had XXXX fraud claims. XXXX {$2600.00} and XXXX XXXX {$600.00}. \n\nXXXX told me to refile the claims with PROOF OF INCARCERATION AND RELEASE proving my innocence. I filed that with XXXX on XX/XX/XXXX. \n\nBoth claims were denied.","date_sent_to_company":"2024-02-22T01:51:01.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"94513","tags":"Older American","has_narrative":true,"complaint_id":"8390368","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-02-22T01:12:34.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["This letter is an <em>overview</em> of the fraudulent activity that occured on my <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Account ending in <em>XXXX</em>. \n\nXX/XX/<em>XXXX</em> was incarcerated in the Alabama <em>Department</em> <em>XXXX</em> <em>XXXX</em> from XX/XX/<em>XXXX</em> through XX/XX/<em>XXXX</em>. \n\nXX/XX/<em>XXXX</em> I released my personal property, ( cellphone & Wallet ) to my daughter ( <em>XXXX</em> <em>XXXX</em> ). \n\nXX/XX/<em>XXXX</em>, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> illegally and without authorization stole my wallet and cellphone from my daughter 's house."]},"sort":[13.782521,"8390368"]},{"_index":"complaint-public-v1","_id":"7540476","_score":13.781603,"_source":{"product":"Credit card","complaint_what_happened":"Overview : Chase can not prevent continued fraudulent charges on my account since XXXX, Chase can not provide total amount of fraudulent charges. Chase can not verify if fraudulent charges and interest have been refunded. Chase can not lock my account. \nIn XXXX of XXXX during covid, I noticed that my chase XXXX card had fraudulent charges. Upon contacting Chase, they told me that it was a prime membership fee linked to another person 's prime account ; they would not tell me the name of this person. they promised to refund the charges plus interest and issued me a new card. \nI trusted them. \nIn XXXX of XXXX, I again noticed fraudulent charges. The charges had continued since XXXX. Chase promised again to refund the total charges but could not tell me the complete total, it was near {$1000.00}. Chase issued me another card. \nIn XXXX I received a confusing call from their claims department telling me they could only refund a partial amount and they would close the claim. I appealed this over the phone and told them I wanted 100 % refund of the fraudulent charges plus interest. \nOn XX/XX/XXXX, ANOTHER fraudulent charge was made. \nChase promised to LOCK my account, delete the digital wallet from everywhere and issued me another new card. \nI have not activated this card. \nThe new card showed up in my XXXX XXXX I did not add the card. \nXXXX purchases are being permitted on this new account. \nwhen I called the customer service representatives just keep transferring me around. \nthey are unwilling to help me. \nthey tell me they can not tell me the total of fraudulent charges. \nChase can not assure me that all charges have been refunded Chase will not tell me if they can prevent continued fraud.","date_sent_to_company":"2023-10-04T16:13:40.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"72701","tags":null,"has_narrative":true,"complaint_id":"7540476","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-09-13T14:53:51.000Z","state":"AR","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["In <em>XXXX</em> of <em>XXXX</em>, I again noticed fraudulent charges. The charges had continued since <em>XXXX</em>. Chase promised again to refund the total charges but could not tell me the complete total, it was near {$1000.00}. Chase issued me another card. \nIn <em>XXXX</em> I received a confusing call from their claims <em>department</em> telling me they could only refund a partial amount and they would close the claim. I appealed this over the <em>phone</em> and told them I wanted 100 % refund of the fraudulent charges plus interest."]},"sort":[13.781603,"7540476"]},{"_index":"complaint-public-v1","_id":"1839328","_score":13.654547,"_source":{"product":"Bank account or service","complaint_what_happened":"Overview : I was a victim of an employment scam, which caused me to lose {$3500.00} that I was going to use to go on a XXXX trip to XXXX. I emailed a potential employer and believed them. I was given a check, which was found out later to be a fraud, which is the first time I have ever heard of that. I deposited money into an account to purchase supplies for my new house keeping job. In the end, my youth caused me to be naive and foolish and lost money I was going to serve others with. This happened two months ago and I am tormented every day thinking I should n't have trusted this person. I could have used the money to give to XXXX and starving, shoe less kids in XXXX. This will haunt me for the rest of my life. I will never forget this and it makes me cry everyday. \nDetailed Description : XXXX contacted me ( XXXX ) on XXXX XXXX. She told me that she found me on XXXX, which I signed up a few months ago.I work jobs such as being a nanny, working in a restaurant and cleaning. I work many different jobs because I am a XXXX XXXX XXXX learning the XXXX, community development and public health. I also go on XXXX trips and am training to go to XXXX to serve the poor. XXXX told me her sister XXXX was moving from XXXX in 3 weeks and needed a housekeeper. I am looking for extra money to serve the poor in XXXX. XXXX 's email is XXXXXXXXXXXX. She said her phone numbers were XXXX and XXXX. I never called the phone numbers. I emailed XXXX back and fourth XXXX XXXX. I was told I would receive {$400.00} a week for housekeeping. Before XXXX arrived, I would prepare the house with supplies. I was promised the key and address after I took care of the housekeeping needs. I was given a check of {$3900.00} to deposit in my checking account on XXXX XXXX. Address on XXXX package was XXXX XXXX Address XXXX XXXX XXXX XXXX CO XXXX tracking number : XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX XXXX. I took out {$3500.00} to put in the store account at Bank of America. Bank Account name : XXXX XXXX XXXX Bank account XXXX. I was notified that the check was a fraud and taken out of my account XXXX XXXX. I never heard of checking fraud before this. I filed a report at XXXX Bank XXXX my bank ) and the police on XXXX XXXX. XXXX XXXX, I received a letter from the XXXX Police XXXX department and they said I am a victim of a 'common scam ' difficult to solve because of throw away cell phones and pre-paid debit cards. I sent in an IC3 complaint on XXXX XXXX. No one is able to help me. I 'm helpless at this point. Please help me, thanks.","date_sent_to_company":"2016-03-18T18:57:53.000Z","issue":"Deposits and withdrawals","sub_product":"Checking account","zip_code":"37138","tags":null,"has_narrative":true,"complaint_id":"1839328","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2016-03-18T18:57:53.000Z","state":"TN","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 was notified that the check was a <em>fraud</em> and taken out of my account <em>XXXX</em> <em>XXXX</em>. I never heard of checking <em>fraud</em> before this. I filed a report at <em>XXXX</em> Bank <em>XXXX</em> my bank ) and the police on <em>XXXX</em> <em>XXXX</em>. <em>XXXX</em> <em>XXXX</em>, I received a letter from the <em>XXXX</em> Police <em>XXXX</em> <em>department</em> and they said I am a victim of a 'common scam ' difficult to solve because of throw away cell <em>phones</em> and pre-paid debit cards. I sent in an IC3 complaint on <em>XXXX</em> <em>XXXX</em>. No one is able to help me. I 'm helpless at this point."]},"sort":[13.654547,"1839328"]},{"_index":"complaint-public-v1","_id":"2992375","_score":13.557291,"_source":{"product":"Checking or savings account","complaint_what_happened":"My Banking institution : Bank Of America 3rd party : Low life individual 3rd partys method of extraction : XXXX  On XX/XX/2018 A debit card for my business checking account was utilized by a third part to extract funds from my account. On XX/XX/2018 the transaction cleared my account. This was a singular transaction in the amount of {$2500.00} XXXX which is the maximum allowable amount to be transferred by XXXX ). At no point did my banking institution flag or notify me of this fraudulent transaction. It was approximately 2 weeks later that I noticed the unauthorized debit to my account. At that point I immediately called Bank of America to dispute the transaction. They immediately canceled that card and sent me a new one. This first phone call was pleasant however there were some oddities in how I was instructed to deal with this situation. The representative would not disclose a phone number associated with the transaction, and stated I did not need to do anything else for this process. At this point in time, it did not seem out of the ordinary as I have dealt with a couple of fraudulent transaction in the past with other accounts and they were always handled by the banking institution. \nAbout 10 days pass and I had not received any correspondence from bank of America, nor could I find the status of the claim within the online portal. It is now the second week in XXXX, I follow up with another phone call to their fraud department where I am told that the claim was denied. I rejected this outcome and insisted they reinvestigate. The individual I spoke to this time disclosed the additional phone number associated with the transaction and said the manor in which the first BOA representative handled the situation was odd. At this point I had lost confidence in the BOA fraud department to adequately resolve this situation. I began to do my own investigation and ultimately turned up a number of dead ends. \nThe transaction details available to me provided a phone number to XXXX ( which was inaccessible XXXX my debit card number and what I can only assume to be a trans action ID. The second phone number that was provided to me was also of no use. I tried navigating the XXXX website to find a receipt for this transaction, no receipt was found. I have submitted a formal dispute with XXXX and followed up with emails. At this point I have not received any response from XXXX  other than the automated reply. \nOver the past couple days I have had multiple contact with bank of America where they disclosed that the transaction supposedly happened at XXXX. They also disclosed the original reason for the denial of the claim. They stated that it was consistent with other transaction on that account. I disagree with this because the only other transaction on this account that were over {$1000.00} were deposits ( all from the same company : Not XXXX ) or transfers to my personal accounts ( which were all done at a BOA branch ) there was NOT one other XXXX  transaction on that account. There was not one other withdraw that was done outside of a BOA branch location. Another factor that they used to deny the claim was that if it was fraud they would have tried to drain the account. I disagree with this because ( through my investigation ) the limit imposed by XXXX is {$2500.00}. Additionally if the criminal individual did not want to attract unnecessary scrutiny, it makes sense that they would not try to drain the account. They would attempt to collect some funds and hope not to be discovered. Through my own personal investigation. I believe that an individual took the card, ran it for the maximum allowable amount with their XXXX  account and then put it back in my possession as to not raise suspension. Bank of America sites this action as, I allowed it to happen. My argument to this is Honestly why would I put myself in this situation? I dont know how this card was used by the criminal individual and bank of America could not tell me if it were swiped or manually entered. Bank of America could not tell me where the funds went. Bank of America could not provide a valid receipt or record of transaction. To me, when Bank of America can not identify the parameters of this transaction is clearly a failure on their fraud departments ability to protect my assets that have been entrusted to their care. It should be noted that Bank of Americas security and protection statement is clearly stated at the bottom of their page on the following link. https : //www.bankofamerica.com/privacy/overview.go Their {$0.00} liability guarantee has NOT been upheld. I believe that the original fraud claim was glazed over and not adequately investigated. \n\nMy Complaint : Bank of America failed to identify fraudulent activity Bank of America failed to notify me of potentially fraudulent activity Bank of America failed to adequately  investigate the fraudulent transaction XXXX Failed to identify fraudulent activity XXXX   Failed to provide any information about the merchant or individual responsible for this transaction so that I could proceed with criminal charges. \n\nMy Argument : If neither of these companies can tell me where the funds went, or provide me with details of the transaction, HOW can they validate them to NOT be fraud?","date_sent_to_company":"2018-08-16T15:24:40.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"30004","tags":"Servicemember","has_narrative":true,"complaint_id":"2992375","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2018-08-15T14:22:27.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["It is now the second week in <em>XXXX</em>, I follow up with another <em>phone</em> call to their <em>fraud</em> <em>department</em> where I am told that the claim was denied. I rejected this outcome and insisted they reinvestigate. The individual I spoke to this time disclosed the additional <em>phone</em> number associated with the transaction and said the manor in which the first BOA representative handled the situation was odd. At this point I had lost confidence in the BOA <em>fraud</em> <em>department</em> to adequately resolve this situation."]},"sort":[13.557291,"2992375"]},{"_index":"complaint-public-v1","_id":"11385995","_score":13.068187,"_source":{"product":"Credit card","complaint_what_happened":"I provided JP morgan Chase with extensive evidence that I was a victim of a scam. Chase 's own fraud department agreed that I was a victim of a scam, but claimed scams were not covered under their fraud protection. I then took my issue up with the dispute department, and they ruled in favor of the merchant. Below is the timeline of events, and I can provide the documents mentioned as needed. \n\nOverview : The merchant ( aka XXXX XXXX ) is attempting to defraud me by hacking into XXXX 's XXXX account and using it to lure victims to his website ( XXXX XXXX XXXX ). After I attempted to purchase an item, the merchant ( XXXX XXXX ) provided a fraudulent tracking number using the shipping information I provided at checkout. Instead of sending the item, the merchant ( XXXX XXXX ) re-listed the item and repeats the scam on other buyers. I attempted to alert Chase to this scam on XXXX XXXX as soon as I was made aware. \n\nXX/XX/year> Introduction : I found this item on XXXX from what I believed to be a trustworthy seller at the time. The seller 's name is XXXX. \n\nXXXX XXXX : In the XXXX listing there was a link to the website \" XXXX XXXX XXXX ''. \n\nAttempted purchase : I attempted to purchase the item through \" XXXX ''. At the time, I believed this to be a trustworthy site. \n\nMessage to Merchant : I corresponded with \" XXXX '' through XXXX in the document labeled \" Document A ''. \n\nXXXX XXXX XXXX : XXXX emailed to notify me that the account \" XXXX '' had been hacked. See attached \" Document B '' for documentation. \n\nRealization : In the XXXX report, XXXX warns that this seller is fraudulent in the first paragraph : \" Our records show that you recently contacted or received messages from XXXX through XXXX 's messaging system. This account was recently found to have been accessed by an unauthorized third party, who may have used the account in an attempt to defraud other members. '' Report Fraud to Chase : I immediately contacted Chase to report fraud -- per my phone call on XX/XX/XXXX. \n\nReport Fraud to XXXX : Attached is the document labeled \" Document C '' with the certification number for the item being disputed highlighted in red. \n\nXX/XX/year> : XXXX provides documentation The merchant ( XXXX XXXX ) provided a tracking number to XXXX as documentation for completing the transaction. This tracking number is fraudulent. \n\nXX/XX/year> : Proof of XXXX Fraud Proof of fraudulent tracking number : The item is still for sale on the merchant 's website. Please see attached documentation labeled \" '' Document D '' ''. Note the time stamp of XX/XX/year> in the upper right corner, the website URL at the top, as well as the highlighted certification number of the item. '' Explanation : If you compare the certification number for the item on the merchants website ( \" '' Document D '' '' ) to the certification number for the item I am disputing ( \" '' Document C '' '' ), they match perfectly ; Both read \" '' XXXX. '' '' These certification numbers are like social security numbers : they are unique to each item. No XXXX items have the same certification number. Therefore the merchant ( XXXX XXXX ) never sent me the item and instead re-listed the item on their website. I never received the item. '' Conclusion : There is exactly XXXX comic book in the world with the certification number \" XXXX '', and it is currently listed for sale by the merchant ( XXXX XXXX ) on the merchant 's website ( XXXX XXXX XXXX ). Therefore this charge is fraudulent. I do not have the item and based on these facts the charge of {$11000.00} should be removed from my Chase account and bill. \n\nXX/XX/year> : Call from Chase Fraud Department The Chase fraud department concluded that I was a victim of a scam. However, chase said that I was not covered under their fraud protection. \n\nXX/XX/year> : Chase 's own advice Chase 's own website advises customers to use credit cards to help protect against possible scams. In Document E, Chase says \" Where possible use your credit or debit card which offers protection features that may not be there if you pay by other means. '' I followed Chase 's own advice. \n\nXXXX XXXX : Chase ruled in favor of merchant Chase asked the merchant if there was an mistake in the billing. The merchant ( XXXX XXXX ) claimed that there was no mistake in the billing. The merchant ( XXXX shop ) has since deleted the entire website that was used to scam me.","date_sent_to_company":"2025-01-05T09:34:59.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"98102","tags":null,"has_narrative":true,"complaint_id":"11385995","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-01-05T08:41:14.000Z","state":"WA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Chase 's own <em>fraud</em> <em>department</em> agreed that I was a victim of a scam, but claimed scams were not covered under their <em>fraud</em> protection. I then took my issue up with the dispute <em>department</em>, and they ruled in favor of the merchant. Below is the timeline of events, and I can provide the documents mentioned as needed. \n\n<em>Overview</em> : The merchant ( aka <em>XXXX</em> <em>XXXX</em> ) is attempting to defraud me by hacking into <em>XXXX</em> 's <em>XXXX</em> account and using it to lure victims to his website ( <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> )."]},"sort":[13.068187,"11385995"]},{"_index":"complaint-public-v1","_id":"8365878","_score":12.981976,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have had this chime account since XX/XX/XXXX. I had made a transfer from my XXXX XXXXXXXX XXXX account over to Chime Bank of {$50.00} on XXXX XXXX. I made a second transfer on XX/XX/XXXX, of {$950.00}. Thats a total of {$1000.00}. After a small purchase, I had a total of {$990.00}. About two weeks later, I received my previous transactions for my XXXX  XXXX XXXX account and noticed a transfer of {$50.00} coming from a XXXX XXXX. Due to me not knowing that XXXX XXXX  was just another name for Chime Bank, I reported the suspicious activity to XXXX  XXXX XXXX and there was a fraud investigation within minute. Two weeks later, I receive mail from Chime Bank and within the notice, I seen XXXX XXXX and realized I made a mistake. I called XXXX  XXXX XXXX to try to cancel the investigation because I am now aware of who XXXX XXXX is, but they couldn't just end it there. They said it was too late to cancel. I have tried to come to a solution and I have reached out on XX/XX/XXXX, XXXX of XXXX, XX/XX/XXXX, XXXX of XXXX, XXXX XXXX of XXXX, XXXX XXXX of XXXX, XX/XX/XXXX and XXXX of XXXX. This would consist of communication either on the phone or via email. The process is I give them a call, they escalate the situation, and let me know that only department that can help me communicates only through email. So they send me an email stating that I need to send over an overview of what happened, with a picture of my ID and a letter from XXXX XXXX XXXXXXXX. XXXX XXXXXXXX XXXX says there is no letter they can give me from there I'm stuck. Ive tried to explain that to everyone and no one can help me. I received an email confirming that I will receive a check and the amount would be {$990.00} on XX/XX/XXXX and I never received the check. I would call for an update and was told that it was on it way and when I called a month later the story changed","date_sent_to_company":"2024-02-17T22:50:40.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"10701","tags":null,"has_narrative":true,"complaint_id":"8365878","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2024-02-17T22:22:12.000Z","state":"NY","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["I have tried to come to a solution and I have reached out on XX/XX/<em>XXXX</em>, <em>XXXX</em> of <em>XXXX</em>, XX/XX/<em>XXXX</em>, <em>XXXX</em> of <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em> of <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em> of <em>XXXX</em>, XX/XX/<em>XXXX</em> and <em>XXXX</em> of <em>XXXX</em>. This would consist of communication either on the <em>phone</em> or via email. The process is I give them a call, they escalate the situation, and let me know that only <em>department</em> that can help me communicates only through email."]},"sort":[12.981976,"8365878"]},{"_index":"complaint-public-v1","_id":"14703029","_score":12.940554,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a formal complaint against Bank of America regarding their mishandling of a fraud case, failure to provide timely and appropriate communication, and refusal to issue the full provisional credit promised under their own policy and applicable consumer protection laws. \n\nBackground : On XX/XX/year>, my husband and I discovered multiple unauthorized charges from a merchant called XXXX totaling {$8800.00}. At that time, we were home together and confirmed neither of us authorized these transactions. We immediately contacted\n\nBank of Americas fraud department to report the activity. The representative confirmed a fraud case was opened and informed us that we would receive a temporary ( provisional ) credit while the matter was investigated. We were told the credit would appear within 10 days. \n\n\nXX/XX/year> Business day 9 after the case was opened, I received a denial letter stating : The charge was authorized by you or made by someone who has permission to use the card or account.\n\nI contacted Bank of America to challenge this decision and was told the only proof supporting the denial was a screenshot of a XXXX XXXX Overview describing XXXX. This overview merely stated that XXXX may require identity verification to send moneynot that it actually does. In reality, XXXX does not require such verification when using someone elses debit card.\n\nThe representative agreed that the case appeared improperly closed and initiated a reconsideration of the claim. However, I was informed that no provisional credit was required during a reconsideration, and I would have to wait up to 45 days for resolution. I insisted that this not be called a reconsideration as Bank of America improperly closed the initial fraud case without adequate investigation, relying on irrelevant and insufficient evidence.\n\nPattern of False Information and Obstructive Behavior Between XX/XX/year> and XX/XX/year>, I made numerous calls to Bank of America, speaking with representatives and supervisors including XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Throughout these calls, I encountered a consistent pattern of contradictory statements, misinformation, and delays, which has raised serious concerns about Bank of Americas handling of this matter. \nXX/XX/year> ( XXXX XXXX  ) : I was told to expect a call back within 72 hours. However, this later became 72 business hours, and by XX/XX/XXXX, I had still received no follow-up. I was also informed during this call that I did not need to visit a physical Bank of America branch to reopen the claim, as it had been handled over the phone. \nXX/XX/year>XXXX XXXX : A representative told me the claim had been escalated on XX/XX/XXXX and I needed to wait 72 business hours from that time for a call, but this was untrue as I had made no call on that date. By my calculation, 72 business hours from the XX/XX/XXXX call would have expired at XXXXXXXX XXXX  on XXXX XXXXyet no update or callback occurred. \nXX/XX/year> ( later call ) : Representative XXXX claimed my case was no longer fraud but a billing dispute because I had done business with XXXX before. This assertion is completely false ; I had never heard of XXXX before discovering these unauthorized charges. \nXX/XX/year> : I was issued a partial provisional credit of {$2100.00}, leaving {$6700.00} still outstanding. Representative XXXX explained the remaining amount could not be credited due to a technical difficulty, even though a letter from Bank of America indicated they were still awaiting a response from the merchant. \nXX/XX/year> ( supervisor XXXX ) : I was assured the technical difficulty would soon be resolved and the remainder of the provisional credit applied, but no progress was made. \nXX/XX/year> : Representative XXXX advised there was nothing to be done except wait. His supervisor, XXXX, echoed this sentiment and claimed they were still trying to figure out the glitch. No updates were provided regarding any investigation or corrective actions. \nXX/XX/year> ( XXXX supervisor XXXX ) : XXXX acknowledged my concerns and said no one could assist after XXXX XXXX. \n\nThis repeated dissemination of false information, the failure to provide timely updates, and the refusal to apply the full provisional credit suggest a systemic breakdown in Bank of Americas fraud response processor worse, a deliberate effort to avoid compliance with Regulation E obligations.\n\nThese events have caused significant financial and emotional distress. The behavior demonstratedlack of follow up, shifting explanations, and contradictory statementsreflects a lack of transparency and accountability that undermines consumer protections.\n\nWhy This Is a Formal Complaint : Bank of America has : 1. Failed to provide the full provisional credit as required under Regulation E ( Electronic Fund Transfer Act ) for fraudulent transactions.\n\n2. Improperly closed the initial fraud case without adequate investigation, relying on irrelevant and insufficient evidence.\n\n3. Provided false and conflicting information across multiple communications.\n\n4. Repeatedly failed to honor requests for call backs, impeding my ability to resolve the matter.\n\n5. Allowed this issue to drag on for over a month without meaningful action or resolution.\n\nRegulatory Concerns : Bank of Americas actions appear to violate several provisions of FDIC Regulation E ( 12 CFR Part 1005 ), including : 1005.11 ( c ) ( 2 ) ( i ) Failing to issue a full provisional credit within 10 business days after notice of error.\n\n1005.11 ( c ) ( 2 ) ( ii ) Improperly denying provisional credit during the reconsideration phase.\n\n1005.11 ( c ) ( 4 ) Failure to conduct a reasonable investigation before denying the claim, relying instead on irrelevant and insufficient evidence ( a XXXX XXXX  Overview ).","date_sent_to_company":"2025-07-17T01:54:31.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"12533","tags":null,"has_narrative":true,"complaint_id":"14703029","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-07-17T00:48:17.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["<em>XXXX</em>  <em>Overview</em> )."]},"sort":[12.940554,"14703029"]},{"_index":"complaint-public-v1","_id":"6324056","_score":12.225273,"_source":{"product":"Checking or savings account","complaint_what_happened":"To Whom it May Concern : I am a member of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called The XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX On XX/XX/XXXX, XXXX  Wells Fargo bank account was fraudulently accessed by an unknown third party and {$12000.00} of funds were electronically transferred out of the XXXX account without authorization. \nDespite prompt and determined action by XXXX  XXXX  and XXXX XXXX, XXXX XXXX XXXX Wells Fargo has repeatedly denied the fraud claim without meaningful investigation and without providing any concrete reasons for denying the claim. \nIt is my understanding that this fraud constitutes an unauthorized electronic fund transfer ( EFT ) under 12 CFR 1005.2 ( m ) and because Wells Fargo was timely notified in accordance with 12 CFR 1005.11 ( b ) ( 1 ), the liability protections in Regulation E section 1005.6 would apply. Furthermore, Wells Fargo failed to conduct a reasonable investigation, as required by 12 CFR 1005.11 ( c ) ( 1 ), as it summarily denied the fraud claim without even contacting XXXX XXXX XXXXo obtain details regarding the claim. \nThe following pages include a summary by XXXX XXXX of the events leading up to the fraudulent and unauthorized EFT, as well as the events that followed, along with supporting evidence substantiating the fraud and Wells Fargos failure to remedy the harm in violation of federal consumer financial laws. \nOn behalf of XXXX, we respectfully request your assistance with ensuring that Wells Fargo properly investigates and remedies the fraud and makes XXXX whole by promptly refunding the full {$12000.00} to the XXXX account. We thank you in advance for any assistance that you are able to provide and we would be happy to answer any questions you have, or assist in any other way we can. \n\nRespectfully, XXXX XXXX XXXX -- -- -- -- -- - Wells Fargo Account Fraud Summarized by XXXX XXXX XXXX Founder and Director : At XXXX on XX/XX/XXXX I received a call on my cell phone that showed up as Wells Fargo. The woman on the line said that there was a suspicion of fraudulent charges being made in XXXX  with my debit card ending in XXXX ( for clarity, the card ending in XXXX is for a personal account owned by me, but which was not actually the account from which the fraud occurred ). \n\nWhen I confirmed that I had not made any recent purchases in XXXX  as I reside in XXXX, the woman on the line said she was sorry and that in order to shut it down she needed to file claims over the phone for each of the charges. Having experienced this exact issue on multiple occasions in the past with Wells Fargo, I stayed on the line with her while she allegedly verified my identity and sent multiple codes to my cell phone, which she asked me to repeat back to her. ( See Exhibit A with screenshot of example of text messages I was being sent during the call. ) At one point during this process, we got disconnected and she called backagain, the call rang from inside Wells Fargo. She got me back on the line at XXXX and completed the supposed filing of the fraud claims for the use of my debit card. The call concluded at XXXX. The calls appear to have been placed from inside Wells Fargo, as the incoming phone numbers match legitimate Wells Fargo numbers. ( See Exhibit B with screenshots of incoming calls described above and Exhibit C with printouts of Wells Fargo website Contact Us pages with phone numbers that match the calls I received. ) As I have later discovered, what was really happening on XX/XX/XXXX was that the caller from inside Wells Fargo was distracting me with the fake debit card fraud alert, so that a hacker could get into my online account, change my username and password, and give themselves access ( without my authorization ) to all of my Wells Fargo accounts. For clarity, there were never any fraudulent charges in XXXX  on my debit card ending in XXXX ; however, there may have been an attempted purchase at XXXX as I did receive a text message asking me to confirm a declined transaction in the amount of {$400.00} ( see Exhibit D ). \n\nThe next morning, on XX/XX/XXXX, I discovered that I was locked out of my online Wells Fargo account. ( See Exhibit E. ) I called Wells Fargo Online to find out what the problem was. After providing a brief overview of the calls I received the previous day, I was informed by the representative that I was probably a victim of fraud, as the text messages with codes that I was sent the prior day did not, in fact, come from Wells Fargo. I subsequently found an email confirming that my password had been changed on XX/XX/XXXX at XXXX I was on the phone with what I thought was the Wells Fargo XXXX department. ( See Exhibit F with email confirmation of password change. ) After the bad actor had access to my Wells Fargo online accounts, s/he actually went after an account owned by a small XXXX  non-profit organization called The XXXX XXXX XXXX XXXX XXXX ) XXXX as the XXXX XXXX  XXXX XXXX, of which I am the XXXX  and XXXX XXXX ( a small business account ending in XXXX, the XXXX  Account ), not my personal checking account that was connected to the card ending in XXXX. On the morning of XX/XX/XXXX, the starting balance in the XXXX Account was {$13000.00}. \n\nUpon receiving online access to my Wells Fargo accounts and changing my password at XXXX on XX/XX/XXXX, the bad actor applied for wire transfer service ( Wells Fargo Wires XXXX at XXXX on XX/XX/XXXX ( also, while I was still on the phone with what I thought was the Wells Fargo fraud department ) ( see Exhibit G with email confirmation of sign up for Wells Fargo Wires ). At XXXX on XX/XX/XXXX, on or about the time the call ended with what I thought was the Wells Fargo fraud department XXXX a wire transfer recipient by the name of XXXX XXXX XXXX was added ( see Exhibit H with email confirmation of wire transfer recipient added ). Shortly thereafter, the bad actor wired {$12000.00} from the XXXX Account to a XXXX XXXX XXXX account in the name of XXXX XXXX XXXX without my knowledge or authorization ( see Exhibit I with XXXX Account statement showing wire transfer ). To be clear : I do not know the bad actor; I had no reason to suspect that I was being scammed when I received the call from Wells Fargo regarding the allegedly fraudulent charges on my personal debit card ; and I did not authorize this wire transfer. \nIn addition to the fraudulent wire transfer, I later discovered that the bad actor was somehow also able to hack into my XXXX and set up call forwarding, so that all of my incoming calls were going to a number in XXXX, namely, ( XXXX ) XXXX. ( See Exhibit J with screenshot of call forwarding that had been set up on my XXXX without my authorization or knowledge. ) I discovered that my calls were being forwarded when various people and the Wells Fargo claims department mentioned to me that upon calling me, the answering service said my voicemail box had not yet been set up, which was abnormal. \n\nPresumably, the bad actor was forwarding my calls in order to intercept any calls from Wells Fargo inquiring about the abnormal activity ( the password change followed by the wire transfer ) on the XXXX Account ; however, it is impossible to know for sure what other nefarious activity the bad actor could commit by having access to my incoming calls for approximately one week after the theft. \n\nSummary of Aftermath After speaking with Wells Fargo Online on XX/XX/XXXX when they informed me Id been the victim of a scam, Wells Fargo put in a request with the receiving bank ( XXXX XXXX XXXX ) to recoup the wired monies. The request was apparently denied. \n\nIt has been over a month since the XXXX Account was hacked and the bad actor fraudulently transferred {$12000.00} out of the Account. Wells Fargo has denied the fraud claim and sent a letter ( see Exhibit K ), implying that I am somehow responsible. \n\nI have spent many hours on the phone with multiple departments, only to be transferred to other departments, and to no avail. Each department claimed it was within another departments jurisdiction. I have filed multiple complaints with Wells Fargo asking why I was not interviewed within days of the incident as promised on the XX/XX/XXXX call. Finally in speaking to the person who worked on my wire fraud claim ( XXXX XXXX ) on XX/XX/XXXX, I asked why he had not called immediately to get all of the pertinent information as to how the scam was perpetrated BEFORE my claim was denied. It took three plus weeks to be called by this caseworker and he had no plausible answer as to what the compelling evidence was to deny my claim of wire fraud. \n\nFurthermore, in the denial letter dated XX/XX/XXXX ( see Exhibit L ), Wells Fargo stated, Under our Online Wire Terms and Conditionsyou are responsible for online wires that originate using your username and password, whether or not actually authorized by you ; however, it is worth noting that I never signed up for the Wells Fargo Wires service, so it is unclear how or why I would be bound by those terms. The bad actor signed up for this service and less than ten minutes later, was able to transfer nearly all of the funds out of the XXXX Account The following are the notes from my calls with Wells Fargo when I was attempting to get this matter resolved and the money returned to my account : XX/XX/XXXX Spoke with Fraud department and was told a manager would return my call. She informed me that someone tried to call on XX/XX/XXXX. This is when I discovered that all of my incoming calls were being forwarded to another number as my cell phone was also hacked and call forwarding was set up. \n\nXX/XX/XXXX Filed another claim w/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX find an actual person at a XXXX Wells Fargo branch and speak in person. Spoke with XXXX XXXX # XXXX at the XXXX and XXXX  branch and she helped by getting in touch with and filing an escalation claim with a Small Business Resolution team member. She relayed the pertinent info accurately to the Small Business Resolution team.. \n\nXX/XX/XXXX Waited to hear something from the Resolution team I called again and spoke XXXX XXXX in XXXX, Wells Fargo office. He tried to no avail to get additional assistance. \n\nXX/XX/XXXX Spoke with a XXXX representative and received calls back. \n\nXX/XX/XXXX Received a XXXX Denial Letter ( see Exhibit L ) Called Consumer Help Center who advised me to speak with XXXX XXXX XXXX XXXX XXXX XXXX - XXXX ( option 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 File a complaint Case number within 48 hours Explain in detail. \n\nSpeaking with Case manager ( XXXX XXXX - # XXXX ) to find out what compelling evidence they claim to have in light of the fact that they have never interviewed me directly. \n\nShe sent me back to Fraud Dept, who sent me back to the Resolutions Dept XXXX - Called Claims Department - Spoke with XXXX @ XXXX got disconnected I called back and got her again. She referred me to theXXXX XXXX Department XXXX XXXX in Small Business Resolutions ( XXXX ) informed me that they ( Small Business Resolutions ) should have been handling this from the very beginning creating a new case number. Then they shouldve sent me to Account Takeover Department - ( XXXX ) - XXXX M-F - XXXX S-S Spoke with XXXX who said it isnt handled in her department Was told that theres a hard hold on my business account ending in XXXX and Loss Prevention now has my account Loss Prevention Department ( XXXX ) I was told to call National Business Banking - and give them the XXXX XXXX XXXX This is supposed to be info on a new account to be opened to replace the o XXXX that was hacked. None of this is possible until the complaint has been resolved. \n\nNew non-Profit business Account # XXXX Reference # XXXX XXXX I called again and spoke with XXXX ( Case Manager ) who is starting a new case number - # XXXX She informed me she has 10 Days to try to resolve. \n\nXXXX forwarded me to XXXX who forwarded me to - XXXX XXXX XXXX Assistance XXXX XXXX XXXX XXXX XXXX she put me on hold to try to uncover what compelling evidence my case manager has that would have them deny the claim? \n\nShe ( XXXX XXXX came back with the info that a person assigned to my case- XXXX ( incorrect ) - in Business Accountability ( no such department could be found ) Spent XXXX hours on the phone XX/XX/XXXX XX/XX/XXXX Finally XXXX XXXX XXXX me and is the wire fraud personnel who actually handled my case ( XXXX ) - Check Fraud He told me he can not receive calls and can only be reached by email - would not give me a way contact him - I asked why he never called to interview me before he began his investigation on XX/XX/XXXX and he replied that he thought he had all the information, and that the hours he was to call were not in my file initially. \n\nHe also informed me that because Ive filed a complaint with WellsFargo now the complaint department is trying to recoup my money He gave me this Complaint Case # XXXX XX/XX/XXXX XXXX ( Case Manager ) called with news that On XXXX fraud recall was put thru and it was too late money is gone Receiving bank ( XXXX XXXX ) suggests these next steps Was given Delroys email - ( XXXX ) She attempted to research the complaint case number that I was given and can not find it listed anywhere. XXXX XXXX would not respond to her email inquiries. \n\nShe suggested I speak with : Federal Trade Commission FBI XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2022-12-16T00:05:37.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"801XX","tags":"Older American","has_narrative":true,"complaint_id":"6324056","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-12-15T23:56:22.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Wells Fargo has denied the <em>fraud</em> claim and sent a letter ( see Exhibit K ), implying that I am somehow responsible. \n\nI have spent many hours on the <em>phone</em> with multiple <em>departments</em>, only to be transferred to other <em>departments</em>, and to no avail. Each <em>department</em> claimed it was within another <em>departments</em> jurisdiction. I have filed multiple complaints with Wells Fargo asking why I was not interviewed within days of the incident as promised on the XX/XX/<em>XXXX</em> call."]},"sort":[12.225273,"6324056"]},{"_index":"complaint-public-v1","_id":"13072221","_score":12.172614,"_source":{"product":"Credit card","complaint_what_happened":"Consumer Fraud Summary Employment Scam Involving Discover Card Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> Reference Account : Discover Credit Card Last 4 Digits : XXXX Disputed Balance : ~ {$6700.00} FTC Identity Theft Report # : XXXX ( attached ) Police Report # : XXXX Police Department in XXXX, CA refused to file a report and referred me to XXXX ( attached ) * * after XXXX advised me to print everything out and go file a report at the station for incident # XXXX XXXX XXXXXXXX XXXX * * Overview of Fraudulent Activity : In XXXX and XXXX of 2025, I was the victim of an employment scam in which I was led to believe I had accepted a legitimate job opportunity. I was contacted by an individual posing as a recruiter or employer, and I underwent what appeared to be a standard hiring process. I was informed that my initial duties would include making business purchases on behalf of the company. \n\nThe scammer provided me with account and routing numbers, claiming they were company funds to be used for legitimate purposes. I was instructed to purchase items ( specifically electronics/laptops and other goods ), and once the payment cleared in my account, I was told to ship the products to a designated location. \n\nBelieving I was fulfilling work responsibilities, I completed these tasks. However, the payments were later reversed or deemed invalid, and Discover charged me for the purchasesdespite the fact that : - I did not initiate the purchases for personal use- I received no benefit from the transactions- I was deceived under false employment pretenses Discovers Response : I notified Discover of the fraudulent activity and provided them with a statement explaining what happened. However, Discover has refused to acknowledge the fraud, stating that I am liable because I physically entered the account/routing information to complete the transactions.\n\nTheir response fails to consider that I was acting under deception and false pretenses, with no intent to defraud.\n\nSupporting Documents ( Attached ) Request for Relief : I am requesting the following through this CFPB complaint : - That Discover reinvestigate this account as fraud and remove the {$6700.00} balance - That all negative reporting related to this incident be deleted from my credit reports- That Discover be required to provide a written response and explanation of their decision under FCRA and FCBA guidelines Statement of Good Faith : I have acted in good faith and provided accurate documentation to demonstrate that I was manipulated by a scammer using deceptive employment practices. I ask that this matter be reviewed fairly and that I not be held financially or reputationally responsible for the results of a sophisticated scam beyond my control.","date_sent_to_company":"2025-04-19T07:47:33.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"91202","tags":null,"has_narrative":true,"complaint_id":"13072221","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-04-19T07:07:50.000Z","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":["Consumer <em>Fraud</em> Summary Employment Scam Involving Discover Card Name : <em>XXXX</em> <em>XXXX</em> Address : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em>, CA <em>XXXX</em> <em>Phone</em> : <em>XXXX</em> Email : <em>XXXX</em> Date : XX/XX/year> Reference Account : Discover Credit Card Last 4 Digits : <em>XXXX</em> Disputed Balance : ~ {$6700.00} FTC Identity Theft Report # : <em>XXXX</em> ( attached ) Police Report # : <em>XXXX</em> Police <em>Department</em> in <em>XXXX</em>, CA refused to file a report and referred me to <em>XXXX</em> ( attached ) * * after <em>XXXX</em> advised me to print everything out and go file a report"]},"sort":[12.172614,"13072221"]},{"_index":"complaint-public-v1","_id":"7197573","_score":11.932644,"_source":{"product":"Checking or savings account","complaint_what_happened":"Summary : Unauthorized bank transfer initiated by unknown party from Savings to Checking of {$3000.00} followed by {$3200.00} of unauthorized transactions from checking initiated by unknown persons. Both savings and checking accounts are held at JP Morgan Chase. \n\nOverview by Date : Sat XXXX XX/XX/XXXX - I checked bank account on my mobile app. Noticed immediately that there was a problem in our Chase checking account. Clicked to view the transactions and there were 7 transactions that we did not authorize and did not belong to us. \n\nOn XX/XX/XXXX, there was a telephone transfer from Savings Account to Checking Account {$3000.00}. We have never made a telephone transfer. We did not make this call. Someone posed as one of us to make this transfer and somehow got into our account. Chase Bank was negligent in making sure that it was the account holder calling them. Whatever controls are supposed to be in place to make sure this doesn't happen failed. We have never shared the details of our savings account with anyone except for tax refund direct deposits. \n\nThe following is a list of the fraudulent transactions that took place after the transfer : XXXX XXXX XXXX XXXX XXXX XXXX IL {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX IL {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX IL {$670.00} XXXX XXXX # XXXX XXXX IL {$490.00} XXXX XXXX XXXX XXXXXXXX XXXX IL {$75.00} We have never shopped at any of these stores. I called the phone number on the back of my Chase Debit card on that same Saturday night to report the fraud transactions and to try to make sure that this doesnt continue. I spoke to many different departments, and they could not fully help me because it was after hours. They advised me to call back on Sunday morning during normal business hours. \n\nSunday XXXX XX/XX/XXXX : I called Chase back again and spoke to the fraud detection department. They removed all digital wallets and anything that could be on the internet with our debit card number. They also flagged the fraud charges and submitted a claim. They also canceled the current debit card, and authorized a new one be shipped to me.\n\nThen, I spoke to the Identity Theft Department. They helped me change my online user id and password for the Chase bank accounts. We also set up security questions/ safe words that need to be answered/ said whenever we call in for anything at all for Chase to continue the conversation. \n\nMonday, XX/XX/XXXX : Called Chase bank to follow up- as I have not seen the funds returned to our account, and I have not heard anything from anyone at the bank. When I called, I was not asked the security questions or the safe word that we had set up. I mentioned this to the representative, and they apologized and then asked me for the information. I questioned the representative about when I would see the funds returned to my account. They said that there is an investigation being done and Chase has until XX/XX/XXXX to make a determination, but it could happen before that. \n\nTuesday, XX/XX/XXXX : Funds for all the fraud charges were returned to our account. Total returned was {$3200.00} Friday, XX/XX/XXXX : I logged into our bank account to view our transactions, and immediately see that there is a big problem. All of the fraud transactions that had been reversed on our account are back again- and the money was removed from our account. We were not contacted by telephone or by mail about this- the money- totaling to {$3200.00} was just removed from our account. The new transactions read as follows. \n\nReversal : XXXX XXXX XXXX  XXXX XXXX ClaimID XXXX - {$75.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - {$230.00} Reversal XXXX # XXXX XXXX IL XXXX XXXX - {$490.00} Reversal XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX - {$640.00} Reversal XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX - {$900.00} Reversal XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX - {$900.00} We called Chase back, and they said their decision was final. We believe that Chase Bank 's poor controls were the reason the fraudsters were able to get away with this crime and that we should not be held accountable for this.","date_sent_to_company":"2023-07-04T02:47:36.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"60645","tags":null,"has_narrative":true,"complaint_id":"7197573","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-07-04T02:21:36.000Z","state":"IL","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I called the <em>phone</em> number on the back of my Chase Debit card on that same Saturday night to report the <em>fraud</em> transactions and to try to make sure that this doesnt continue. I spoke to many different <em>departments</em>, and they could not fully help me because it was after hours. They advised me to call back on Sunday morning during normal business hours. \n\nSunday <em>XXXX</em> XX/XX/<em>XXXX</em> : I called Chase back again and spoke to the <em>fraud</em> detection <em>department</em>."]},"sort":[11.932644,"7197573"]},{"_index":"complaint-public-v1","_id":"2762942","_score":11.827351,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Bank of American Dates and Amounts Regarding Fraud on My XXXX and Visa Cards for {$10000.00} XXXX XXXX, XXXX This Report is a supplement to a larger document, which reports on the details of my experience with a false company, personnel, and bank accounts over a period of approximately a month. Here is a brief summary of what has happened : A fraudulent company ( representing itself as XXXX XXXX ) sent me the information for a bank account with XXXX XXXX XXXX ( routing and account number ), stating that I was authorized to transfer a specific amount of money into my personal credit card account, and use them to purchase XXXX gift cards for the company, in preparation for their move to XXXX, Colorado. Since they did not ask for any account information on my part, I felt confident to proceed cautiously. I made the first transfer of {$2000.00} into my Bank of America XXXX XXXX account, which was first shown as pending, and a day later, it was shown as posted. This indicated to me that the XXXX XXXX XXXX account they gave me was valid, and the money had been transferred into my account. Therefore, I felt confident to proceed and purchase the first {$2000.00} gift card, as instructed. A few days later I transferred {$4000.00} into of my Bank of America Visa account, and an additional {$4000.00} into my Bank of America XXXX XXXX account. As before, the bank showed the transaction as pending, and the next day, as posted. Confident that the money was in my account ( this was also confirmed by an email from Bank of America ), I proceeded to purchase additional gift cards for the company, as instructed. \nTo my dismay, when I looked, a short time later, at my account on line, I saw that the first {$2000.00} was returned for insufficient funds. I called Bank of America immediately to inquire about the situation. That was when I realized that the company I was working for was fraudulent. I checked the gift card accounts, and saw that they have all been used, and XXXX out ( the physical cards and the card numbers were/are still in my sole possession! ).  The company had the pins, only. \nImmediately, I wrote an extensive account and filed a detailed report ( see attached : Fraud Report Regarding XXXX XXXX ) with the Colorado Bureau of Investigation, The States Attorney Generals Office, XXXX Police, FBI, and Bank of America, explaining the situation. My hope is that the police and the FBI will pursue and catch these fraudulent people by following the gift card transactions. My concern is, however, that Bank of America has taken the {$10000.00} posted on my accounts, and holds me responsible for paying it. \nMy position is that Bank of America is responsible for posting the funds as available ( the transactions had changed from pending to posted ), which led me to believe that the money had been transferred from the XXXX XXXX account into my card accounts. As I have indicated above Bank of America sent me e-mail confirmations that payment was received for the first transaction ( {$2000.00} ) and last two transactions ( {$4000.00} each ). \nUp to this point I have had extensive and unsatisfactory contacts with the Bank of America about why their accounting systems indicated that wire transfers were accepted with a pending status, and then a posted status, and then insufficient funds status. The pending and posted status of these three wire transfers is central to my complaint, since the fraud would have never occurred without the misleading change in status from pending to posted for each of these three transfers ( {$2000.00}, {$4000.00}, and {$4000.00}  XXXX. \n\nDates and Amounts on my XXXX and Visa Cards relevant to the fraud. \nXXXX XXXX : Wire Transfer Pending Amt. Transferred Date Posted Card Purchased Date Status = Returned Pymnt XXXX XXXX, XXXX {$2000.00} XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX {$4000.00} XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX {$4000.00} XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXNOTE these gift card purchases were made after the money transferred into my XXXX and Visa accounts ( confirmed by Bank of America e-mail system ) and were changed from a status of pending to posted. \nRecord of Phone Calls made to Bank of America XXXX XXXX & XXXX, XXXX - Called B of A ( fraud dept ) to report possible fraud and requested that XXXX XXXX ( XXXX ) and XXXXisa Card ( XXXX ) be replaced. On the XXXX requested all credit cards be closed. \nXXXX XXXX, XXXX Called B of A to verify that both accounts were closed and that they had recorded our report of fraud XXXX XXXX, XXXX Called B of A in response to letters I received regarding returned funds. Spoke with XXXX, XXXX, and XXXX ( in  fraud dept ). XXXX said that my accounts would be credited while fraud my claim was investigated ( 1-2 weeks to complete ). I stated my position to  XXXX that B of A was culpable for this fraud because the {$10000.00} in wire transfers to my account was Posted ( meaning that the funds were in my credit card accounts and could be used for purchases ). I also faxed XXXX a copy of my report Fraud Report Regarding XXXX XXXX ( See attachment Fraud Report.docx ). \nXXXX XXXX, XXXX I received confirmation that a temporary credit was posted to my credit card account while the investigation was in processes. \nXXXX XXXX, XXXX I called B of A in response to two letters ( one for each account ), informing me that my accounts would be debited. I spoke with XXXX about the investigation, and she said to ignore the letters. \nXXXX XXXX, XXXX Two letters from B of A ( one for  each account ) notifying me that my fraud claim investigation resulted in a finding that I was responsible for the purchase of the 5 gift cards. NOTE : In my discussions with B of A and in the Fraud Report, I never contested that I purchased the XXXX Gift cards. Rather, I only purchased the gift cards after the {$10000.00} in wire transfers had been Posted to my XXXX XXXX and Visa accounts. This claim was not addressed in the B o A investigation. \nXXXX XXXX, XXXX I called B of A to discuss the fraud report and denial of my claim. I talked to XXXX, who described himself as the Manager of the Fraud Department. I recounted to XXXX that the investigation did not address my concerns that B of A was culpable for the fraud. XXXX said that he would reach out to the investigators to request that the investigation be reopened, and that he would refer my concerns to a higher executive level. XXXX said that he would get back to me, no later than the close of business, the next day, XXXX XXXX, XXXX. NOTE : XXXX did not get back to me the next day or any day since I spoke with him on the XXXX. \nXXXX XXXX XXXX I spent most of the day on the phone, trying to find XXXX, with no success. Spoke with XXXX and XXXX in AZ, then XXXX and XXXX. XXXX tried to transfer my call to XXXX, his manager. The call to XXXX did not successfully transfer. Next, I spoke with XXXX, who transferred me to XXXX. XXXX tried to be helpful, and was going to transfer me to the Balance Transfer Team, but decided to transfer me to the Consumer Satisfaction department, and then decided to transfer me back to the Fraud department instead. The transfer to the Fraud department was not successful, as the department closed at XXXX. \nXXXX XXXX, XXXX I called Consumer Satisfaction department and spoke with XXXX. I related to XXXX my experience with B of A, and an overview of my claim. He said that he was sympathetic to my point of view, but that he could not do anything for me, and that I should probably seek legal help. \nI continue to believe that Bank of America is responsible for posting and then removing the funds transferred to my credit card accounts, without which there would have never been a gift card purchase, and the fraud would have never been possible. No one at Bank of America has either contradicted or even addressed this claim in my written and telephone communications with them. I am hoping that someone at the Consumer Financial Protection Bureau will help me. \nPlease feel free to contact me if you need additional information. \nThank you for your attention.","date_sent_to_company":"2017-12-22T22:57:09.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"80237","tags":null,"has_narrative":true,"complaint_id":"2762942","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2017-12-22T22:40:10.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["Next, I spoke with <em>XXXX</em>, who transferred me to <em>XXXX</em>. <em>XXXX</em> tried to be helpful, and was going to transfer me to the Balance Transfer Team, but decided to transfer me to the Consumer Satisfaction <em>department</em>, and then decided to transfer me back to the <em>Fraud</em> <em>department</em> instead. The transfer to the <em>Fraud</em> <em>department</em> was not successful, as the <em>department</em> closed at <em>XXXX</em>. \n<em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> I called Consumer Satisfaction <em>department</em> and spoke with <em>XXXX</em>."]},"sort":[11.827351,"2762942"]},{"_index":"complaint-public-v1","_id":"10505275","_score":11.783715,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Your Information First name : XXXX Middle  name : XXXX Last name : XXXX Country : USA Primary phone number : XXXX Secondary phone number : Email address : XXXX Date of birth : XXXX Street address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have lived at this address since : XXXX XXXX XXXX Update Details about the identity theft Theft Incident : Fraudulent Online Shopping or Payment Account What website or service was involved? XXXX Name of a company representative that you spoke to : XXXX Company 's phone number : XXXX Company 's email address : If you know, tell us the date the suspect first accessed the account. XX/XX/XXXX When did you first notice the problem? XX/XX/XXXX If you know, estimate the total fraudulent charges. XXXX Update Add a Theft Details about the person that used your identity First name : Middle name : Last name : Company name ( if applicable ) : Street address ( including apartment info ) : Country : UNITED STATES City : State : Zip code : Phone number : Email address : Relationship : How did the suspect get your information?\n\nDo you have any additional information about the suspect?\n\nUpdate Additional Information Have you reviewed a copy of your credit report?\n\nYes Was any personal information wrong in your credit report?\n\nWhen you apply for credit, the lender places an inquiry in your file. Inquiries are listed near the end of your credit report. If you see any inquiries that you didnt initiate, please list them here : XXXX XXXX transunion Have you contacted your local police department?\n\nNo Police department : State : Have you requested a fraud alert from one of the three national bureaus ( XXXX, XXXX, TransUnion )? \nNo Was your personal information exposed in a data breach? If so, you might have access to free insurance or repair services.\n\nYes I have received data breach notices from the following companies : XXXX Has a debt collector contacted you about an account that isn't yours? \nYes Were there any fraudulent accounts included in your credit report? \nYes Update Personal Statement XXXX has been reporting information false information about an bankruptcy from 15 USC 1681 Fair reporting act. I did not give this company permissible purpose to report any of my information to a third party. Eastern District of Pennsylvania Case No. 17-15815-JKF has been reported several times to my credit report. i am asking that this company removes and block it. 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 I will address this matter one time I am a victim of identy theft 15 USC 1681-c-2 is specifically clear on what a consumer reporting agency must do regarding alleged identity. 15 USC 1681b ( C ) Furnishing reports with connection with credit or Insurance transaction that are not initiated by consumer information regarding inquires Expect as provided in section 1681g of this tittle a consumer agency shall not furnish to Overview You have 89 % left to pay on this loan. \nBalance {$16000.00} Highest Balance XXXX XXXXXXXX Monthly payment No Info Opened XX/XX/XXXX ( 3 yrs, 4 mos ) Term 72 months Payment History Youve made 36 % of payments for this account on time. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status Charge-off Worst Payment Status 90-119 Days Late Account Details Account status Derogatory Type Automobile Responsibility Individual Remarks Profit and loss write-off Dispute resolved-subscriber disagrees Dispute resolved-subscriber disagrees Times 30/60/90 days late 1/1/1 Closed XXXX XXXX, XXXX Creditor Information XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Overview You have 56 % left to pay on this loan. \nBalance {$9900.00} Highest Balance XXXX XXXX Monthly payment No Info Opened XXXX XXXX, XXXX ( 2 yrs, 10 mos ) Term 72 months Payment History Youve made 78 % of payments for this account on time. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status In Repossession Worst Payment Status 60-89 Days Late Account Details Account status Derogatory Type Automobile Responsibility Individual Remarks Repossession Dispute resolved-subscriber disagrees Dispute resolved-subscriber disagrees Times 30/60/90 days late 2/1/0 Closed XXXX. XXXX, XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Overview You have 100 % left to pay on this loan. \nBalance {$10000.00} Highest Balance No Info Monthly payment No Info Opened XXXX. XXXX, XXXX ( 4 yrs, 3 mos ) Term 75 months Payment History Youve made 84 % of payments for this account on time. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX XXXX Current Payment Status Charge-off Worst Payment Status Charge-off Account Details Account status Closed Type Auto Responsibility Individual Account. \nRemarks Charged off account Fixed rate Times 30/60/90 days late 0/0/8 Closed No Info You could dispute an error with XXXX SEE AN ERROR? \nIf there's an error on your report, you can submit a dispute. \nGO TO XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Reported : XXXX XXXX, XXXX - {$9900.00} Closed Overview You have 56 % left to pay on this loan.\n\nBalance {$9900.00} Highest Balance XXXX XXXX  Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 2 yrs, 10 mos ) Term 72 months Payment History Youve made 79 % of payments for this account on time. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status In Repossession Worst Payment Status In Repossession Account Details Account status Closed Type Auto Responsibility Individual Account.\n\nRemarks Consumer disputes after resolution Involuntary repossession Times 30/60/90 days late 2/1/4 Closed No Info Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in\nyour score. Here are the inquiries on your XXXX report. \nXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX- XXXX XXXX XXXX. \n( XXXX ) XXXX See an error? \nFind out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX \n( XXXX ) XXXX","date_sent_to_company":"2024-10-18T03:43:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19711","tags":null,"has_narrative":true,"complaint_id":"10505275","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-18T03:43:21.000Z","state":"DE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["If you see any inquiries that you didnt initiate, please list them here : <em>XXXX</em> <em>XXXX</em> transunion Have you contacted your local police <em>department</em>?\n\nNo Police <em>department</em> : State : Have you requested a <em>fraud</em> alert from one of the three national bureaus ( <em>XXXX</em>, <em>XXXX</em>, TransUnion )? \nNo Was your personal information exposed in a data breach? If so, you might have access to free insurance or repair services."]},"sort":[11.783715,"10505275"]},{"_index":"complaint-public-v1","_id":"10497520","_score":11.74804,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Your Information First name : XXXX Middle name : XXXX Last name : XXXX Country : USA Primary phone number : XXXX Secondary phone number : Email address : XXXX Date of birth : XXXX Street address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have lived at this address since : XXXX / XXXX Update Details about the identity theft Theft Incident : Fraudulent Online Shopping or Payment Account What website or service was involved? Experian Name of a company representative that you spoke to : Experian Company 's phone number : XXXX Company 's email address : If you know, tell us the date the suspect first accessed the account. XX/XX/XXXX When did you first notice the problem? XX/XX/XXXX If you know, estimate the total fraudulent charges. XXXX Update Add a Theft Details about the person that used your identity First name : Middle name : Last name : Company name ( if applicable ) : Street address ( including apartment info ) : Country : UNITED STATES City : State : Zip code : Phone number : Email address : Relationship : How did the suspect get your information? \nDo you have any additional information about the suspect? \nUpdate Additional Information Have you reviewed a copy of your credit report? \nYes Was any personal information wrong in your credit report? \nWhen you apply for credit, the lender places an inquiry in your file. Inquiries are listed near the end of your credit report. If you see any inquiries that you didnt initiate, please list them here : Experian XXXX XXXX Have you contacted your local police department? \nNo Police department : State : Have you requested a fraud alert from one of the three national bureaus ( XXXX, Experian, XXXX )? \nNo Was your personal information exposed in a data breach? If so, you might have access to free insurance or repair services. \nYes I have received data breach notices from the following companies : XXXX Has a debt collector contacted you about an account that isn't yours? \nYes Were there any fraudulent accounts included in your credit report? \nYes Update Personal Statement Experian has been reporting information false information about an bankruptcy from 15 USC 1681 Fair reporting act. I did not give this company permissible purpose to report any of my information to a third party. Eastern District of Pennsylvania XXXX XXXX. XXXX has been reported several times to my credit report. i am asking that this company removes and block it. 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 I will address this matter one time I am a victim of identy theft 15 USC 1681-c-2 is specifically clear on what a consumer reporting agency must do regarding alleged identity. 15 USC 1681b ( C ) Furnishing reports with connection with credit or Insurance transaction that are not initiated by consumer information regarding inquires Expect as provided in section 1681g of this tittle a consumer agency shall not furnish to Overview You have 89 % left to pay on this loan. \nBalance {$16000.00} Highest Balance $ XXXX  Monthly payment No Info Opened XX/XX/XXXX ( 3 yrs, 4 mos ) Term 72 months Payment History Youve made 36 % of payments for this account on time. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status Charge-off Worst Payment Status XXXX Days Late Account Details Account status Derogatory Type Automobile Responsibility Individual Remarks Profit and loss write-off Dispute resolved-subscriber disagrees Dispute resolved-subscriber disagrees Times XX/XX/XXXX days late XXXX Closed XXXX XXXX, XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Overview You have 56 % left to pay on this loan. \nBalance {$9900.00} Highest Balance $ XXXX Monthly payment No Info Opened XXXX XXXX, XXXX ( 2 yrs, 10 mos ) Term 72 months Payment History Youve made 78 % of payments for this account on time. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status In Repossession Worst Payment Status XXXX Days Late Account Details Account status Derogatory Type Automobile Responsibility Individual Remarks Repossession Dispute resolved-subscriber disagrees Dispute resolved-subscriber disagrees Times XX/XX/XXXX days late XXXX Closed XXXX. XXXX, XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Overview You have 100 % left to pay on this loan. \nBalance {$10000.00} Highest Balance No Info Monthly payment No Info Opened XXXX. XXXX, XXXX ( 4 yrs, 3 mos ) Term 75 months Payment History Youve made 84 % of payments for this account on time. \n\nXXXX XXXX XXXX A XXXX XXXX XXXX A XXXX O XXXX D XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX XXXX Current Payment Status Charge-off Worst Payment Status Charge-off Account Details Account status Closed Type Auto Responsibility Individual Account. \nRemarks Charged off account Fixed rate Times 30/60/90 days late XXXX Closed No Info You could dispute an error with XXXX SEE AN ERROR? \nIf there's an error on your report, you can submit a dispute. \nGO TO XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$9900.00} Closed Overview You have 56 % left to pay on this loan. \nBalance {$9900.00} Highest Balance $ XXXX Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 2 yrs, 10 mos ) Term 72 months Payment History Youve made 79 % of payments for this account on time. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status In Repossession Worst Payment Status In Repossession Account Details Account status Closed Type Auto Responsibility Individual Account. \nRemarks Consumer disputes after resolution Involuntary repossession Times XX/XX/XXXX days late XXXX Closed No Info Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. \nXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX- XXXX XXXX XXXX. \n( XXXX ) XXXX See an error? \nFind out how to dispute a hard inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX \n( XXXX ) XXXX","date_sent_to_company":"2024-10-18T03:43:12.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19711","tags":null,"has_narrative":true,"complaint_id":"10497520","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-18T03:17:00.000Z","state":"DE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["If you see any inquiries that you didnt initiate, please list them here : Experian <em>XXXX</em> <em>XXXX</em> Have you contacted your local police <em>department</em>? \nNo Police <em>department</em> : State : Have you requested a <em>fraud</em> alert from one of the three national bureaus ( <em>XXXX</em>, Experian, <em>XXXX</em> )? \nNo Was your personal information exposed in a data breach? If so, you might have access to free insurance or repair services."]},"sort":[11.74804,"10497520"]},{"_index":"complaint-public-v1","_id":"13069966","_score":11.714573,"_source":{"product":"Credit card","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX American Express XXXX Card Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> Reference Account : American Express Gold Card Last 5 Digits : XXXX Disputed Balance : ~ {$7600.00} FTC Identity Theft Report # : XXXX ( attached ) Police Report # : XXXX Police Department in XXXX, CA refused to file a report and referred me to XXXX ( attached ) * * after XXXX advised me to print everything out and go file a report at the station for incident # 2025 XXXX XXXX XXXX * * Overview of Fraudulent Activity : In XXXX and XXXX of 2025, I was the victim of an employment scam in which I was led to believe I had accepted a legitimate job opportunity. I was contacted by an individual posing as a recruiter or employer, and I underwent what appeared to be a standard hiring process. I was informed that my initial duties would include making business purchases on behalf of the company. \n\nThe scammer provided me with account and routing numbers, claiming they were company funds to be used for legitimate purposes. I was instructed to purchase items ( specifically electronics/laptops and other goods ), and once the payment cleared in my account, I was told to ship the products to a designated location.\n\nBelieving I was fulfilling work responsibilities, I completed these tasks. However, the payments were later reversed or deemed invalid, and American Express charged me for the purchasesdespite the fact that : - I did not initiate the purchases for personal use- I received no benefit from the transactions- I was deceived under false employment pretenses American Express ' Response : I notified American Express of the fraudulent activity and provided them with a statement explaining what happened. However, American Express has refused to acknowledge the fraud, stating that I am liable because I physically entered the account/routing information to complete the transactions.\n\nTheir response fails to consider that I was acting under deception and false pretenses, with no intent to defraud.\n\nSupporting Documents ( Attached ) Request for Relief : I am requesting the following through this CFPB complaint : - That American Express reinvestigate this account as fraud and remove the {$7600.00} balance - That all negative reporting related to this incident be deleted from my credit reports- That American Express be required to provide a written response and explanation of their decision under FCRA and FCBA guidelines Statement of Good Faith : I have acted in good faith and provided accurate documentation to demonstrate that I was manipulated by a scammer using deceptive employment practices. I ask that this matter be reviewed fairly and that I not be held financially or reputationally responsible for the results of a sophisticated scam beyond my control.","date_sent_to_company":"2025-04-19T07:58:47.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"91202","tags":null,"has_narrative":true,"complaint_id":"13069966","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-04-19T07:47:52.000Z","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":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> American Express <em>XXXX</em> Card Name : <em>XXXX</em> <em>XXXX</em> Address : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em>, CA <em>XXXX</em> <em>Phone</em> : <em>XXXX</em> Email : <em>XXXX</em> Date : XX/XX/year> Reference Account : American Express Gold Card Last 5 Digits : <em>XXXX</em> Disputed Balance : ~ {$7600.00} FTC Identity Theft Report # : <em>XXXX</em> ( attached ) Police Report # : <em>XXXX</em> Police <em>Department</em> in <em>XXXX</em>, CA refused to file a report and referred me to <em>XXXX</em> ( attached ) * * after <em>XXXX</em> advised me to print everything out and go file a report"]},"sort":[11.714573,"13069966"]},{"_index":"complaint-public-v1","_id":"3603522","_score":11.557744,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"XXXX -- Overview Summary -- // While I was traveling in XXXX ( XXXX ) , on XX/XX/2020, my Chase Sapphire Visa card ( along with my XXXX & XXXX XXXX cards ) were all compromised at the same time with multiple fraudulent charges, by likely the same fraudster. \n\nBoth XXXX and XXXX have cleared the fraudulent charges after investigation ; however, Chase has concluded that those fraudulent transactions were valid and that I was responsible. \n\nThe following are the unauthorized charges on my Chase credit card made on XX/XX/2020 when I was in XXXX : 1 ) XXXX XXXX XXXX {$14000.00} 2 ) XXXX XXXX XXXX XXXX {$15000.00} I am the victim of fraud and these fraudulent charges have shaken me to the core. It has been made worse by the fact that Chase has concluded Im responsible. I have not been able to get in touch with anyone at Chase. Please help. \n\nXXXX -- My Attachments -- // 1 ) My text and email replies to Chase, proving that I denied all the fraudulent charges at time of notification ( on XX/XX/2020 ) 2 ) My XXXX & XXXX statements - showing that Ive been cleared of similar fraudulent transactions under the same name ( XXXX XXXX XXXX , etc. ). Feel free to reach out to XXXX XXXX, the senior investigator at XXXX who worked on my case, at XXXX 3 ) The latest letter I received from Chase ( on XX/XX/2020 ) // -- Timeline of Events -- // Below is a complete timeline of when the fraudulent charges took place and my correspondence with Chase. \n\n<< XX/XX/2020 >> - Arrived in XXXX ( XXXX ) from XXXX XXXX ( XXXX ) << XX/XX/2020 >> - Went to XXXX XXXX  wanting to buy a new phone ( XXXX XXXX XXXX XXXX ). Visited mobile phone dealer at 4th floor of the mall. Phone price was ~ {$860.00} USD - To purchase, I tried using my Chase Sapphire card and my XXXX VISA card, but both were rejected - The salesman said it meant not enough money on the cards, so I went down to the ATM at ground level to get cash ( with my XXXX Debit card ) - I returned to the store and purchased the phone with cash - While setting up the new phone, I got a text message from Chase. I thought the text referred to my charge attempt earlier to buy the phone, so I replied promptly : That was me but I have paid cash already since not approved. Just cancel this transaction, not got through. Thank you But when I read the message again, I discovered that the amount ( in thousands! ) was way off. I knew something was wrong. I then responded : Sorry, that was not me, not that much, I just try to spend 800 something. Please do not approve anything. Please inactivate my card now. The {$14000.00} was definitely not me. \n- Note : Around the same time, I also received a text from XXXX regarding some high charges on the XXXX card. I denied them right away. \n\n- I also received an email from Chase about these fraudulent charges. I replied to that email right away : None of these transactions, not mine. I have been in XXXX just for 2 days. Both of my credit cards got compromised. \n\n- After I returned to the hotel, I also XXXX called Chase to report the fraud. I told the Chase agent that I had visited a phone dealer ( and I could not recall the dealers name ), but I did not authorize those fraudulent charges. The Chase agent told me I needed to talk to the merchant ( phone dealer ) because this is a dispute and I had to wait 72 hours to see the transaction appear. I disagreed with him, because this was not a dispute for any transaction I made, but rather a fraudulent transaction that I never made ( As mentioned, I paid cash for the phone ). I disagreed with the Chase agent, but did not argue. \n- Note : After talking to Chase, I also called XXXX. The staff went over each charge attempt with me. I then recognized \" XXXX '' as the phone dealer and the amount charged matched the price of the phone ( and that charge was declined ). The fradulent charges on my XXXX card were separate charges under the names of XXXX XXXX, XXXX XXXX XXXX,. .etc ( same name as the fraudulent transactions on my Chase card ). At that point, it was clear that the phone dealer likely had nothing to do with the fraudulent charges. The Chase agent I spoke with earlier probably thought I purchased my phone from XXXX XXXX/XXXX XXXX  << XX/XX/2020 >> - I called Chase again to make sure Chase knew this was fraud and my VISA card must be stopped. I noted that the phone dealers name is XXXX and not XXXX/XXXX XXXX -I also received an email from XXXX XXXX regarding suspicious activities on my debit card on XX/XX/2020. I called XXXX and found similar, high charges under XXXX XXXX, XXXX XXXX. My XXXX debit card was compromised at the same time as my credit cards though I never used that card directly for purchases ( only to draw cash ) in XXXX - Note : My friend XXXX, who was with me on the previous leg of the trip, in XXXX XXXX, XXXX, also had his bank cards ( XXXX XXXX and XXXX XXXX ) compromised by XXXX XXXX on the same day ( XX/XX/2020 ), though he was not in XXXX with me. Therefore we suspect our cards were compromised prior to arriving in XXXX ( likely at a massage parlor in XXXX XXXX, where we parted with our belongings and wallets ) << XX/XX/2020 >> - I had not received any calls from Chase since I was in XXXX and had returned home - I discovered a letter from XXXX at Chase Fraud department with the conclusion that I was responsible for the fraudulent transactions. I called XXXX to explain the situation and that this conclusion was not acceptable and was a big misunderstanding. She told me to send her a photo of my text replies denying the fraudulent charges on XX/XX/2020 and other documents to support what I said. At her request, I went to the local Chase branch in-person with a photo of the text message and statements of my XXXX and XXXX XXXX cards, showing similar unauthorized high charges that were denied. I also provided a VAT tax refund receipt of my new phone. A staff at the branch supposedly scanned these documents to XXXX << XX/XX/2020 >> - XXXX from the Chase Fraud department called me and said would review the case, but that the documents had not been uploaded yet. I wasnt sure if the documents I provided XXXX had gone through or not, but I told her to let me know if she needed additional info << XX/XX/2020 >> - I found a new message in my online Chase account from XXXX ( dated XX/XX/2020 ) concluding that the fraudulent transactions were valid - Since XX/XX/2020, Ive been trying to reach Chase as this conclusion is unacceptable and wrong. Im a victim of fraud. I have attempted to reach out many times, but have not been able to get in touch with anyone","date_sent_to_company":"2020-04-12T23:32:51.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"94306","tags":null,"has_narrative":true,"complaint_id":"3603522","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-04-12T21:43:29.000Z","state":"CA","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I also provided a VAT tax refund receipt of my new <em>phone</em>. A staff at the branch supposedly scanned these documents to <em>XXXX</em> << <em>XX/XX</em>/2020 >> - <em>XXXX</em> from the Chase <em>Fraud</em> <em>department</em> called me and said would review the case, but that the documents had not been uploaded yet."]},"sort":[11.557744,"3603522"]},{"_index":"complaint-public-v1","_id":"8204514","_score":11.3262415,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am writing to urgently bring to your attention a grievous and distressing matter that has adversely affected my small business, XXXX XXXX, a modest, home-based business based out of XXXX, NY with XXXX employees. \n\nOVERVIEW/TIMELINE : On XX/XX/2023, an account was illicitly set up with XXXX, XXXX payroll company in New York , using my personal credentials, including my bank routing and account numbers, tax identification number, social security number, and date of birth. I wish to categorically state that I have never authorized the creation of this account, nor have I had any prior association with XXXX. I never received any correspondence from XXXX such as email or phone notification regarding the establishment of this account. \n\nTwo unauthorized ACH withdrawals were made from my Chase business checking account on XX/XX/XXXX and XX/XX/XXXX, amounting to {$37000.00} and {$45000.00} respectively. \n\nI first reported the unauthorized ACH withdrawals to my bank Chase and filed a claim with their fraud department. While Chase temporarily reinstated the amounts pending an investigation, I later received a communication indicating that the first transaction was deemed authorized, the money taken out of my account, and the second one was rescinded, and funds from the second ACH transaction was returned to my account. \n\nI have exhausted all channels with Chase and the last correspondence from them was that it is incumbent upon me to try to recover funds from XXXX. \n\n\n\n\nI have taken the following steps with Chase to date : XX/XX/2023 Called Chase XXXX Department and filed claim for both transactions XX/XX/2023 Received letter from Chase and they claimed that the first ACH withdrawal was legitimate according to their findings. \nXX/XX/2023 I went to my local branch to file a complaint and dispute the findings. \nXX/XX/2023 Received notification from Chase claiming the second ACH withdrawal was unauthorized. Monies for this was put back into my bank account. \nXX/XX/2023 I escalated claim with Chase and was put in touch with their XXXX office and assigned a case worker/ researcher. Was assigned a case # XXXX XXXX and caseworker XXXX XXXX Phone number is XXXX extension XXXX. \nXX/XX/2023 XXXX informed me they completed their research and not able to put my stolen monies back into my bank account. They said I have to resolve issue with XXXX. \n\nTo this date I have filed the following reports, which are attached. \n\nFiled a Police Report with XXXX XXXX XXXX, XXXX, NY. ( XXXX ) Filed a claim with the Federal Trade Commission ( FTC ) through identitytheft.gov. \nSubmitted a claim with the FBI 's Internet Crime Complaint Center ( ic3.gov ). \nSent a letter to NY Attorney General I am in the process of engaging Justworks who retained an attorney, XXXX XXXX. I have given them a date of XX/XX/XXXX to respond to a series of letters that I provided them with hopes of resolution. \n\nIn terms of Chase, my bank for over 25 years, I am extremely disappointed in their actions and guidance during this incredibly difficult time. They have not been very cooperative and certainly have not been an advocate ( their client ) on my behalf. They have passed me on from department to department to no avail. They have not provided me with any meaningful explanation nor paperwork detailing the XXXX withdrawals. And both XXXX withdrawals were completely inconsistent with our typical payroll ACH withdrawals which is approximately {$6000.00} twice a month. I have XXXX employees and are a home-based business. From a suspicious activity point of view, how come I was never notified of such large transactions? I strongly feel that I should have been notified and alerted at the onset of this timeline. And they want me to resolve this on my own with XXXX. \n\nTo this date I still do not know who set up the account with XXXX, who was the account representative at XXXX who established this account using my credentials. Who called in the supposed payroll and where did the funds go. This seems like basic information that I should have from the onset. Chase did not perform proper due diligence in their research and have not provided me with any reasonable explanation or basic information that they based their decision on. \n\nI am hoping that The XXXX XXXX XXXX XXXX can advocate on my behalf or provide me further guidance and action steps that I can take to try to recover the funds. \n\nRegards, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Attached : Police Report, XXXX report and FTC report","date_sent_to_company":"2024-01-23T05:36:07.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"11743","tags":null,"has_narrative":true,"complaint_id":"8204514","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-01-23T05:29:53.000Z","state":"NY","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I first reported the unauthorized ACH withdrawals to my bank Chase and filed a claim with their <em>fraud</em> <em>department</em>. While Chase temporarily reinstated the amounts pending an investigation, I later received a communication indicating that the first transaction was deemed authorized, the money taken out of my account, and the second one was rescinded, and funds from the second ACH transaction was returned to my account."]},"sort":[11.3262415,"8204514"]},{"_index":"complaint-public-v1","_id":"8914397","_score":11.300635,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"MY NAME IS XXXX XXXX TODAY DATE IS XX/XX/XXXX I see that there is an account reporting I did not open I would like this account to be investigated and DELETED ASAP THANK YOU ACCOUNT NAME SELF FINANCIAL INC / LEA Reported : XXXX. XXXX, XXXX - {$0.00} Closed Overview You're currently using 0 % of your account 's limit. \n\nXXXX {$0.00} Credit limit XXXX XXXX Monthly payment {$0.00} Opened XXXX. XXXX, XXXX ( XXXX yrs ) XXXX XXXX XXXX made 100 % of payments for this account on time. \n\nPayment history table, broken down by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status Current Amount past due {$0.00} Worst Payment Status Current Account Details Account status Closed Type Secured credit card Responsibility Individual Remarks Closed Times XX/XX/XXXX days late XXXX Closed XX/XX/XXXX Companies involved are in violation of the LAW 18 U.S.C 1028A, aggravated identity theft.\n\nA federal statute that is often used to prosecute federal credit card fraud cases is 18 U.S.C 1028A, aggravated identity theft. Under federal identity theft laws, it's a felony crime to use, transfer, or possess by any means the identification of another person.\nLII U.S. Code Title 15 XXXX  XXXX SUBCHAPTER I Part B 1644 18 U.S. Code 1028 - Fraud and related activity in connection with identification documents, authentication features, and information U.S. Code Notes prev | next ( a ) Whoever, in a circumstance described in subsection ( c ) of this section ( 1 ) knowingly and without lawful authority produces an identification document, authentication feature, or a false identification document ; ( 2 ) knowingly transfers an identification document, authentication feature, or a false identification document knowing that such document or feature was stolen or produced without lawful authority ; ( 3 ) knowingly possesses with intent to use unlawfully or transfer unlawfully five or more identification documents ( other than those issued lawfully for the use of the possessor ), authentication features, or false identification documents ; ( 4 ) knowingly possesses an identification document ( other than one issued lawfully for the use of the possessor ), authentication feature, or a false identification document, with the intent such document or feature be used to defraud the United States ; ( 5 ) knowingly produces, CHAPTER 47FRAUD AND FALSE STATEMENTS Sec.\n\n1001.Statements or entries generally.\n\n1002.Possession of false papers to defraud United States .\n\n1003.Demands against the United States .\n\n1004.Certification of checks.\n\n1005.Bank entries, reports and transactions.\n\n1006.Federal credit institution entries, reports and transactions.\n\n1007XXXX XXXX XXXX XXXX transactions .\n\n[ 1008, 1009. Repealed. ] 1010.Department of Housing and Urban Development and Federal Housing Administration transactions .\n\nXXXXXXXX XXXX XXXX mortgage transactions. \n1012.Department of Housing and Urban Development transactions .\n\n1013.Farm loan bonds and credit bank debentures.\n\n1014.Loan and credit applications generally ; renewals and discounts ; crop insurance.\n\n1015.Naturalization, citizenship or alien registry.\n\n1016.Acknowledgment of appearance or oath.\n\n1017.Government seals wrongfully used and instruments wrongfully sealed.\n\n1018.Official certificates or writings.\n\n1019.Certificates by consular officers.\n\n1020.Highway projects.\n\n1021.Title records.\n\n1022.Delivery of certificate, voucher, receipt for military or naval property.\n\n1023.Insufficient delivery of money or property for military or naval service.\n\n1024.Purchase or receipt of military, naval, or veteran 's facilities property.\n\n1025.False pretenses on high seas and other waters.\n\n1026.Compromise, adjustment, or cancellation of farm indebtedness.\n\n1027.False statements and concealment of facts in relation to documents required by the Employee Retirement Income Security Act of 1974.\n\n1028.Fraud and related activity in connection with identification documents and information.1 1028A.Aggravated identity theft.\n\n1029.Fraud and related activity in connection with access devices.\n\n1030.Fraud and related activity in connection with computers.\n\n1031.Major fraud against the United States .\n\n1032.Concealment of assets from conservator, receiver, or liquidating agent of financial institution.2 1033.Crimes by or affecting persons engaged in the business of insurance whose activities affect interstate commerce.\n\n1034.Civil penalties and injunctions for violations of section 1033.\n\n1035.False statements relating to health care matters.\n\n1036.Entry by false pretenses to any real property, vessel, or aircraft of the United States or secure area of any airport or seaport.\n\n1037.Fraud and related activity in connection with electronic mail.\n\n1038.False information and hoaxes.\n\n1039.Fraud and related activity in connection with obtaining confidential phone records information of a covered entity.\n\n1040.Fraud in connection with major disaster or emergency benefits.","date_sent_to_company":"2024-05-02T20:27:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11727","tags":null,"has_narrative":true,"complaint_id":"8914397","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2024-05-02T20:09:49.000Z","state":"NY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["MY NAME IS <em>XXXX</em> <em>XXXX</em> TODAY DATE IS XX/XX/<em>XXXX</em> I see that there is an account reporting I did not open I would like this account to be investigated and DELETED ASAP THANK YOU ACCOUNT NAME SELF FINANCIAL INC / LEA Reported : <em>XXXX</em>. <em>XXXX</em>, <em>XXXX</em> - {$0.00} Closed <em>Overview</em> You're currently using 0 % of your account 's limit. \n\n<em>XXXX</em> {$0.00} Credit limit <em>XXXX</em> <em>XXXX</em> Monthly payment {$0.00} Opened <em>XXXX</em>. <em>XXXX</em>, <em>XXXX</em> ( <em>XXXX</em> yrs ) <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> made 100 % of payments for this account on time."]},"sort":[11.300635,"8914397"]},{"_index":"complaint-public-v1","_id":"7256809","_score":11.292459,"_source":{"product":"Checking or savings account","complaint_what_happened":"My checking and saving accounts at Truist Bank were unexpectedly closed, and my credit card application denied, creating significant financial disruption. The bank cited an Early Warning Services ( EWS ) report indicating fraudulent activity as the cause. However, upon obtaining this report, I found that it does not contain any information related to fraudulent activity. \nI have attempted to resolve this discrepancy with Truist on numerous occasions, in person at my local branch and via customer service. Each time, they advised me to contact EWS. However, upon contacting EWS, I have been instructed to consult with my bank, creating an unresolved loop. \nConsequently, my funds remain frozen in the closed accounts, leaving me without access to my own money. This situation has also impacted on my ability to open accounts with other financial institutions due to the alleged 'fraud ' report linked to my profile. \nHere is a chronological list of my experiences : XX/XX/2023 : I opened the following accounts with Truist Bank in person at a branch located at Truist XXXX XXXX Truist XXXX XXXX Applied for Truist XXXX XXXX XXXX Credit Card XX/XX/2023 : Truist closed your accounts without clear explanation. I called the bank immediately for clarification. The bank representative informed me that the decision was made based on the EWS report. She helped me by requesting a report from EWS to understand the closure. \n\nXX/XX/2023 : I received the letters in the mail ( attached ) XX/XX/2023 : I received the report from EWS. Upon calling EWS to find out what happened, the agent was unhelpful and even rude. Her name was XXXX, and she refused to provide her last name or employee ID. She told me I needed to return to the bank for further assistance. \n\nXX/XX/2023 : I returned to the bank, where no substantial information was provided about the situation. However, they gave me a phone number for the bank 's Fraud Department. \n\nXX/XX/2023 : I contacted Fraud Department, but the agent there claimed to have no information about my case, that I need to contact EWS. She was like a robot repeating the same repeatedly even though I explained her every step that I have been taken before this call. \n\nXX/XX/2023 : Frustrated and needing resolution, I went back to the bank to retrieve my money ( {$900.00} ), The bank informed me that they could not release your funds at that time, and I needed to wait for further instructions. A bank representative said they would call me the next day with information on when I could get my money. \n\nTo this day XX/XX/2023, despite my numerous attempts to rectify this situation with both parties, I am left with no resolution, a closed account, frozen funds, and an undeserved fraudulent status that is preventing me from accessing banking services elsewhere. This has caused me significant financial distress and inconvenience. \n\nI am an honest individual who works hard and has managed to keep all my affairs in order, despite having been in this country for just over a year. I pride myself on my integrity and commitment to abiding by all laws and regulations. This situation, which implies otherwise, is not a reflection of my character or actions, and is extremely distressing and unfair. I do not deserve this undue hardship, particularly when I have striven to ensure everything is handled correctly and responsibly. \n\nIn support of my complaint, I will be providing all relevant details and documentation, including the bank account numbers and the report from Early Warning Services ( EWS ). I understand the importance of a comprehensive overview of the situation and hope that these details will assist in understanding and resolving my case. \n\nI want to express my sincere gratitude for your time and attention to this matter. I understand that resolving these types of issues can be complex and time-consuming. Your assistance is appreciated, and I am hopeful that with your help, a fair resolution can be reached. \n\nSincerely XXXX XXXX","date_sent_to_company":"2023-07-15T20:18:01.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"33174","tags":null,"has_narrative":true,"complaint_id":"7256809","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2023-07-15T19:50:49.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["However, they gave me a <em>phone</em> number for the bank 's <em>Fraud</em> <em>Department</em>. \n\n<em>XX/XX</em>/2023 : I contacted <em>Fraud</em> <em>Department</em>, but the agent there claimed to have no information about my case, that I need to contact EWS. She was like a robot repeating the same repeatedly even though I explained her every step that I have been taken before this call."]},"sort":[11.292459,"7256809"]},{"_index":"complaint-public-v1","_id":"8914382","_score":11.288554,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"MY NAME IS XXXX XXXX TODAY DATE IS XX/XX/XXXX I see that there is an account reporting I did not open I would like this account to be investigated and DELETED ASAP THANK YOU ACCOUNT NAME XXXX XXXX XXXX / XXXX Reported : XXXX. XXXX, XXXX - {$0.00} Closed Overview You're currently using 0 % of your account 's limit. \n\nBalance {$0.00} Credit limit XXXX XXXX Monthly payment {$0.00} Opened XXXX. XXXX, XXXX ( XXXX yrs ) Payment History Youve made 100 % of payments for this account on time. \n\nPayment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status Current Amount past due {$0.00} Worst Payment Status Current Account Details Account status Closed Type Secured credit card Responsibility Individual Remarks Closed Times XX/XX/XXXX days late XXXX Closed XX/XX/XXXX Companies involved are in violation of the LAW 18 U.S.C 1028A, aggravated identity theft.\n\nA federal statute that is often used to prosecute federal credit card fraud cases is 18 U.S.C 1028A, aggravated identity theft. Under federal identity theft laws, it's a felony crime to use, transfer, or possess by any means the identification of another person.\n\nLII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER I Part B 1644 18 U.S. Code 1028 - Fraud and related activity in connection with identification documents, authentication features, and information U.S. Code Notes prev | next ( a ) Whoever, in a circumstance described in subsection ( c ) of this section ( 1 ) knowingly and without lawful authority produces an identification document, authentication feature, or a false identification document ; ( 2 ) knowingly transfers an identification document, authentication feature, or a false identification document knowing that such document or feature was stolen or produced without lawful authority ; ( 3 ) knowingly possesses with intent to use unlawfully or transfer unlawfully five or more identification documents ( other than those issued lawfully for the use of the possessor ), authentication features, or false identification documents ; ( 4 ) knowingly possesses an identification document ( other than one issued lawfully for the use of the possessor ), authentication feature, or a false identification document, with the intent such document or feature be used to defraud the United States ; ( 5 ) knowingly produces, CHAPTER 47FRAUD AND FALSE STATEMENTS Sec.\n\n1001.Statements or entries generally.\n\n1002.Possession of false papers to defraud United States .\n\n1003.Demands against the United States .\n\n1004.Certification of checks.\n\n1005.Bank entries, reports and transactions.\n\n1006.Federal credit institution entries, reports and transactions.\n\n1007.Federal Deposit Insurance Corporation transactions .\n\n[ 1008, 1009. Repealed. ] 1010.Department of Housing and Urban Development and Federal Housing Administration transactions .\n\n1011.Federal land bank mortgage transactions.\n\n1012.Department of Housing and Urban Development transactions .\n\n1013.Farm loan bonds and credit bank debentures.\n\n1014.Loan and credit applications generally ; renewals and discounts ; crop insurance.\n\n1015.Naturalization, citizenship or alien registry.\n\n1016.Acknowledgment of appearance or oath.\n\n1017.Government seals wrongfully used and instruments wrongfully sealed.\n\n1018.Official certificates or writings.\n\n1019.Certificates by consular officers.\n\n1020.Highway projects.\n\n1021.Title records.\n\n1022.Delivery of certificate, voucher, receipt for military or naval property.\n\n1023.Insufficient delivery of money or property for military or naval service.\n\n1024.Purchase or receipt of military, naval, or veteran 's facilities property.\n\n1025.False pretenses on high seas and other waters.\n\n1026.Compromise, adjustment, or cancellation of farm indebtedness.\n\n1027.False statements and concealment of facts in relation to documents required by the Employee Retirement Income Security Act of 1974.\n\n1028.Fraud and related activity in connection with identification documents and information.1 1028A.Aggravated identity theft.\n\n1029.Fraud and related activity in connection with access devices.\n\n1030.Fraud and related activity in connection with computers.\n\n1031.Major fraud against the United States .\n\n1032.Concealment of assets from conservator, receiver, or liquidating agent of financial institution.2 1033.Crimes by or affecting persons engaged in the business of insurance whose activities affect interstate commerce.\n\n1034.Civil penalties and injunctions for violations of section 1033.\n\n1035.False statements relating to health care matters.\n\n1036.Entry by false pretenses to any real property, vessel, or aircraft of the United States or secure area of any airport or seaport.\n\n1037.Fraud and related activity in connection with electronic mail.\n\n1038.False information and hoaxes.\n\n1039.Fraud and related activity in connection with obtaining confidential phone records information of a covered entity.\n\n1040.Fraud in connection with major disaster or emergency benefits.","date_sent_to_company":"2024-05-02T20:28:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11727","tags":null,"has_narrative":true,"complaint_id":"8914382","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-05-02T20:28:01.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["MY NAME IS <em>XXXX</em> <em>XXXX</em> TODAY DATE IS XX/XX/<em>XXXX</em> I see that there is an account reporting I did not open I would like this account to be investigated and DELETED ASAP THANK YOU ACCOUNT NAME <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> / <em>XXXX</em> Reported : <em>XXXX</em>. <em>XXXX</em>, <em>XXXX</em> - {$0.00} Closed <em>Overview</em> You're currently using 0 % of your account 's limit. \n\nBalance {$0.00} Credit limit <em>XXXX</em> <em>XXXX</em> Monthly payment {$0.00} Opened <em>XXXX</em>. <em>XXXX</em>, <em>XXXX</em> ( <em>XXXX</em> yrs ) Payment History Youve made 100 % of payments for this account on time."]},"sort":[11.288554,"8914382"]},{"_index":"complaint-public-v1","_id":"8909895","_score":11.28419,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"MY NAME IS XXXX XXXX TODAY DATE IS XX/XX/XXXX I see that there is an account reporting I did not open I would like this account to be investigated and DELETED ASAP THANK YOU ACCOUNT NAME XXXX XXXX XXXX / XXXX Reported : XXXX. XXXX, XXXX - {$0.00} Closed Overview You're currently using 0 % of your account 's limit. \n\nBalance {$0.00} Credit limit $ 125 Monthly payment {$0.00} Opened XXXX. XXXX, XXXX ( XXXX yrs ) Payment History Youve made 100 % of payments for this account on time. \n\nPayment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status Current Amount past due {$0.00} Worst Payment Status Current Account Details Account status Closed Type Secured credit card Responsibility Individual Remarks Closed Times XX/XX/XXXX days late XXXX Closed XX/XX/XXXX Companies involved are in violation of the LAW 18 U.S.C 1028A, aggravated identity theft.\n\nA federal statute that is often used to prosecute federal credit card fraud cases is 18 U.S.C 1028A, aggravated identity theft. Under federal identity theft laws, it's a felony crime to use, transfer, or possess by any means the identification of another person.\n\nLII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER I Part B 1644 18 U.S. Code 1028 - Fraud and related activity in connection with identification documents, authentication features, and information U.S. Code Notes prev | next ( a ) Whoever, in a circumstance described in subsection ( c ) of this section ( 1 ) knowingly and without lawful authority produces an identification document, authentication feature, or a false identification document ; ( 2 ) knowingly transfers an identification document, authentication feature, or a false identification document knowing that such document or feature was stolen or produced without lawful authority ; ( 3 ) knowingly possesses with intent to use unlawfully or transfer unlawfully five or more identification documents ( other than those issued lawfully for the use of the possessor ), authentication features, or false identification documents ; ( 4 ) knowingly possesses an identification document ( other than one issued lawfully for the use of the possessor ), authentication feature, or a false identification document, with the intent such document or feature be used to defraud the United States ; ( 5 ) knowingly produces, CHAPTER 47FRAUD AND FALSE STATEMENTS Sec.\n\n1001.Statements or entries generally.\n\n1002.Possession of false papers to defraud United States .\n\n1003.Demands against the United States .\n\n1004.Certification of checks.\n\n1005.Bank entries, reports and transactions.\n\n1006.Federal credit institution entries, reports and transactions.\n\n1007.Federal Deposit Insurance Corporation transactions .\n\n[ 1008, 1009. Repealed. ] 1010.Department of Housing and Urban Development and Federal Housing Administration transactions .\n\n1011.Federal land bank mortgage transactions.\n\n1012.Department of Housing and Urban Development transactions .\n\n1013.Farm loan bonds and credit bank debentures.\n\n1014.Loan and credit applications generally ; renewals and discounts ; crop insurance.\n\n1015.Naturalization, citizenship or alien registry.\n\n1016.Acknowledgment of appearance or oath.\n\n1017.Government seals wrongfully used and instruments wrongfully sealed.\n\n1018.Official certificates or writings.\n\n1019.Certificates by consular officers.\n\n1020.Highway projects.\n\n1021.Title records.\n\n1022.Delivery of certificate, voucher, receipt for military or naval property.\n\n1023.Insufficient delivery of money or property for military or naval service.\n\n1024.Purchase or receipt of military, naval, or veteran 's facilities property.\n\n1025.False pretenses on high seas and other waters.\n\n1026.Compromise, adjustment, or cancellation of farm indebtedness.\n\n1027.False statements and concealment of facts in relation to documents required by the Employee Retirement Income Security Act of 1974.\n\n1028.Fraud and related activity in connection with identification documents and information.1 1028A.Aggravated identity theft.\n\n1029.Fraud and related activity in connection with access devices.\n\n1030.Fraud and related activity in connection with computers.\n\n1031.Major fraud against the United States .\n\n1032.Concealment of assets from conservator, receiver, or liquidating agent of financial institution.2 1033.Crimes by or affecting persons engaged in the business of insurance whose activities affect interstate commerce.\n\n1034.Civil penalties and injunctions for violations of section 1033.\n\n1035.False statements relating to health care matters.\n\n1036.Entry by false pretenses to any real property, vessel, or aircraft of the United States or secure area of any airport or seaport.\n\n1037.Fraud and related activity in connection with electronic mail.\n\n1038.False information and hoaxes.\n\n1039.Fraud and related activity in connection with obtaining confidential phone records information of a covered entity.\n\n1040.Fraud in connection with major disaster or emergency benefits.","date_sent_to_company":"2024-05-02T20:28:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11727","tags":null,"has_narrative":true,"complaint_id":"8909895","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-05-02T20:28:01.000Z","state":"NY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["MY NAME IS <em>XXXX</em> <em>XXXX</em> TODAY DATE IS XX/XX/<em>XXXX</em> I see that there is an account reporting I did not open I would like this account to be investigated and DELETED ASAP THANK YOU ACCOUNT NAME <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> / <em>XXXX</em> Reported : <em>XXXX</em>. <em>XXXX</em>, <em>XXXX</em> - {$0.00} Closed <em>Overview</em> You're currently using 0 % of your account 's limit. \n\nBalance {$0.00} Credit limit $ 125 Monthly payment {$0.00} Opened <em>XXXX</em>. <em>XXXX</em>, <em>XXXX</em> ( <em>XXXX</em> yrs ) Payment History Youve made 100 % of payments for this account on time."]},"sort":[11.28419,"8909895"]},{"_index":"complaint-public-v1","_id":"9754313","_score":11.237069,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/, I was scammed by an unknown person going by the name of XXXX XXXX and pretending to be with XXXX. He even gave us a fake employee ID #. He had me convinced that my account had been hacked and he was going to help me stop it and reverse the effects. He said criminals were using my account and money to buy digital currency and that he was handling this non-stop because of the hack. Yes, I was convinced by a practiced and smooth con artist. Somehow, and I dont know how, he managed to route money from my checking account with XXXX through Cash App to a XXXX XXXX . Immediately after I suspected I was being robbed, I hung up and called XXXX to report the fraud. Then I called Cash App to report the scam. Neither of these institutions immediately reversed the transaction if that had been possible. XXXX informed me that they would put in my account a provisional credit for the stolen amount of {$3900.00}, but this would be taken back if the claim was denied. Ultimately, the con artist used Cash App and my gullibility to transfer money ( {$3900.00} ) from my checking account to an unknown online bank account. Before he did that, he transferred money between my wife and me on Cash App. This was probably to get the money into Cash App. He had me hypnotized to what was happening and I caught on too late. I dont know why XXXX could not or would not reverse the transaction, nor why Cash App didnt either. We, my wife and I, called Cash App repeatedly and eventually were given the alleged last four digits of a receiving debit card. We gave this number ( XXXX ) to XXXX as part of our claim, but XXXX XXXX  affirmed for us that they have no account number ending in those digits. Someone from XXXX XXXX told us that their bank is a hybrid bank, whatever that means. We have reported the incident with the FBI and with our local law enforcement. On XX/XX/XXXX, by email, Cash App denied our claim. I requested more information and was give a single page showing half of a single transaction in a table. They claimed this to be their research though it has no information about where the money went, or who received it. On XX/XX/XXXX, XXXX mailed a letter ( read by us on XX/XX/XXXX ) informing us that our claim with them was denied and that the provisional credit would be removed from our account on or after XX/XX/2024. We called XXXX on XX/XX/XXXX for more information and was told that the denial was based on information from Cash App. Cash App is incredibly difficult to deal with. They attempt to minimize contact with account holders to emails or through their app and put a caller on repeated and lengthy holds. I have begun to doubt that they even have a fraud prevention department. We called Cash App again on XXXX XXXX, and were told many different things about our claim and given multiple claim numbers. This conversation is recorded and available upon request due its file size. We were finally told that we could ask for a manager next time because one was not available at that time. We called again on XX/XX/XXXX and were able to speak with a manager. This person continued to repeat the same information and was unwilling to answer questions. When I asked if they could tell me where the money went, she claimed that she had given me all the information I required. This conversation is recorded and attached to this claim ( in multiple files due to CFPB 's system constraints ). Cash App facilitates criminal activity and apparently has no ability or interest in fraud safeguards. Their research shows nothing at all and affirms no action was taken. The perpetrators could continue this activity through Cash App unimpeded by any safeguards. During and after our phone conversations on XXXX XXXX XXXX XXXX, there were emails between me and Cash App. They escalated our claim and almost immediately closed it again. Cash App should be shut down because they have no safeguards nor interest in fraud prevention. We reported the incident with the FBI the day after it happened, and with our local law enforcement on XX/XX/. The Incident Report Number for the XXXX XXXX XXXX is XXXX, but will not be available to attach to this claim for another week or more. It will be available upon request by anyone through the Police Department at that time and we can provide it at a later date. Attachments to this claim include : *Recorded phone conversation with Cash App \" manager '' contains holds with hold music playing ; in multiple attachments due to CFPB 's claim system limitations. *Screen shots of Cash App showing fraudulent transaction the fraudulent transaction is circled in Red on the file \" XXXXCash App Screenshot overview Fraud Circled. *Emails and attachment from Cash App. *Claim denial letter from XXXX . *Cash App \" Research '' Provided","date_sent_to_company":"2024-08-08T20:30:18.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"85635","tags":null,"has_narrative":true,"complaint_id":"9754313","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2024-08-08T20:17:22.000Z","state":"AZ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["*Screen shots of Cash App showing fraudulent transaction the fraudulent transaction is circled in Red on the file \" XXXXCash App Screenshot <em>overview</em> <em>Fraud</em> Circled. *Emails and attachment from Cash App. *Claim denial letter from <em>XXXX</em> . *Cash App \" Research '' Provided"],"issue":["<em>Fraud</em> or scam"]},"sort":[11.237069,"9754313"]},{"_index":"complaint-public-v1","_id":"8911819","_score":11.179361,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"MY NAME IS XXXX XXXX TODAY DATE IS XX/XX/XXXX I see that there is an account reporting I did not open I would like this account to be investigated and DELETED ASAP THANK YOU ACCOUNT NAME XXXX XXXX XXXX / XXXX Reported : XXXX. XXXX, XXXX - {$0.00} Closed Overview You're currently using 0 % of your account 's limit. \n\nBalance {$0.00} Credit limit XXXX XXXX Monthly payment {$0.00} Opened XXXX. XXXX, XXXX ( XXXX yrs ) Payment History Youve made 100 % of payments for this account on time. \n\nPayment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status Current Amount past due {$0.00} Worst Payment Status Current Account Details Account status Closed Type Secured credit card Responsibility Individual Remarks Closed Times XX/XX/XXXX days late XXXX Closed XX/XX/XXXX Companies involved are in violation of the LAW 18 U.S.C 1028A, aggravated identity theft. \n\nA federal statute that is often used to prosecute federal credit card fraud cases is 18 U.S.C 1028A, aggravated identity theft. Under federal identity theft laws, it's a felony crime to use, transfer, or possess by any means the identification of another person.\n\nLII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER I Part B 1644 18 U.S. Code 1028 - Fraud and related activity in connection with identification documents, authentication features, and information U.S. Code Notes prev | next ( a ) Whoever, in a circumstance described in subsection ( c ) of this section ( 1 ) knowingly and without lawful authority produces an identification document, authentication feature, or a false identification document ; ( 2 ) knowingly transfers an identification document, authentication feature, or a false identification document knowing that such document or feature was stolen or produced without lawful authority ; ( 3 ) knowingly possesses with intent to use unlawfully or transfer unlawfully five or more identification documents ( other than those issued lawfully for the use of the possessor ), authentication features, or false identification documents ; ( 4 ) knowingly possesses an identification document ( other than one issued lawfully for the use of the possessor ), authentication feature, or a false identification document, with the intent such document or feature be used to defraud the United States ; ( 5 ) knowingly produces, XXXX  XXXXFRAUD AND FALSE STATEMENTS Sec. \n1001.Statements or entries generally.\n\n1002.Possession of false papers to defraud United States .\n\n1003.Demands against the United States .\n\n1004.Certification of checks.\n\n1005.Bank entries, reports and transactions.\n\n1006.Federal credit institution entries, reports and transactions.\n\n1007.Federal Deposit Insurance Corporation transactions .\n\n[ 1008, 1009. Repealed. ] 1010.Department of Housing and Urban Development and Federal Housing Administration transactions .\n\n1011.Federal land bank mortgage transactions.\n\n1012.Department of Housing and Urban Development transactions .\n\n1013.Farm loan bonds and credit bank debentures.\n\n1014.Loan and credit applications generally ; renewals and discounts ; crop insurance.\n\n1015.Naturalization, citizenship or alien registry.\n\n1016.Acknowledgment of appearance or oath.\n\n1017.Government seals wrongfully used and instruments wrongfully sealed.\n\n1018.Official certificates or writings.\n\n1019.Certificates by consular officers.\n\n1020.Highway projects.\n\n1021.Title records.\n\n1022.Delivery of certificate, voucher, receipt for military or naval property.\n\n1023.Insufficient delivery of money or property for military or naval service.\n\n1024.Purchase or receipt of military, naval, or veteran 's facilities property.\n\n1025.False pretenses on high seas and other waters.\n\n1026.Compromise, adjustment, or cancellation of farm indebtedness.\n\n1027.False statements and concealment of facts in relation to documents required by the Employee Retirement Income Security Act of 1974.\n\n1028.Fraud and related activity in connection with identification documents and information.1 1028A.Aggravated identity theft.\n\n1029.Fraud and related activity in connection with access devices.\n\n1030.Fraud and related activity in connection with computers.\n\n1031.Major fraud against the United States .\n\n1032.Concealment of assets from conservator, receiver, or liquidating agent of financial institution.2 1033.Crimes by or affecting persons engaged in the business of insurance whose activities affect interstate commerce.\n\n1034.Civil penalties and injunctions for violations of section 1033.\n\n1035.False statements relating to health care matters.\n\n1036.Entry by false pretenses to any real property, vessel, or aircraft of the United States or secure area of any airport or seaport.\n\n1037.Fraud and related activity in connection with electronic mail.\n\n1038.False information and hoaxes.\n\n1039.Fraud and related activity in connection with obtaining confidential phone records information of a covered entity.\n\n1040.Fraud in connection with major disaster or emergency benefits.","date_sent_to_company":"2024-05-02T20:28:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11727","tags":null,"has_narrative":true,"complaint_id":"8911819","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-05-02T20:28:01.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["MY NAME IS <em>XXXX</em> <em>XXXX</em> TODAY DATE IS XX/XX/<em>XXXX</em> I see that there is an account reporting I did not open I would like this account to be investigated and DELETED ASAP THANK YOU ACCOUNT NAME <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> / <em>XXXX</em> Reported : <em>XXXX</em>. <em>XXXX</em>, <em>XXXX</em> - {$0.00} Closed <em>Overview</em> You're currently using 0 % of your account 's limit. \n\nBalance {$0.00} Credit limit <em>XXXX</em> <em>XXXX</em> Monthly payment {$0.00} Opened <em>XXXX</em>. <em>XXXX</em>, <em>XXXX</em> ( <em>XXXX</em> yrs ) Payment History Youve made 100 % of payments for this account on time."]},"sort":[11.179361,"8911819"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":77,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":77}]}},"product":{"doc_count":77,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":24,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":24}]}},{"key":"Checking or savings account","doc_count":23,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":19},{"key":"Savings account","doc_count":4}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":9,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mobile or digital wallet","doc_count":4},{"key":"Domestic (US) money transfer","doc_count":2},{"key":"Virtual currency","doc_count":2},{"key":"International money transfer","doc_count":1}]}},{"key":"Credit card","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":5},{"key":"Store credit card","doc_count":1}]}},{"key":"Credit card or prepaid 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