{"took":149,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":5947,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"7857080","_score":14.532476,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/2023, there were several fraud charges made on my Bank of America credit card which I never made. The charges which made on that day. Bank of America never notified me regarding these fraud charges and said that the card was used so I am liable to pay them {$1600.00}. \nThe fraud dispute team also charged me {$30.00} twice for fraud dispute. I would like these fraud charges of {$1600.00} taken out of my credit card balance because these are fraud charges which I never made. I am not responsible for these charges.","date_sent_to_company":"2023-11-16T04:10:39.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"365XX","tags":null,"has_narrative":true,"complaint_id":"7857080","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-11-16T03:41:53.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["On XX/XX/2023, there were several <em>fraud</em> <em>charges</em> made on my Bank of America <em>credit</em> card which I never made. The <em>charges</em> which made on that day. Bank of America never notified me <em>regarding</em> these <em>fraud</em> <em>charges</em> and said that the card was used so I am liable to pay them {$1600.00}. \nThe <em>fraud</em> <em>dispute</em> team also charged me {$30.00} twice for <em>fraud</em> <em>dispute</em>. I would like these <em>fraud</em> <em>charges</em> of {$1600.00} taken out of my <em>credit</em> card balance because these are <em>fraud</em> <em>charges</em> which I never made."],"product":["<em>Credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or <em>charge</em> card"]},"sort":[14.532476,"7857080"]},{"_index":"complaint-public-v1","_id":"19220597","_score":13.79374,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a complaint regarding my banks failure to properly investigate and resolve fraudulent, unauthorized charges paid to XXXX. \n\nI recently discovered a pattern of unauthorized charges on my account dating back to approximately XX/XX/year>. These charges were not authorized, requested, or benefited from by me. Upon discovery, I promptly notified my bank and disputed the transactions as fraud. \n\nDespite this, my bank improperly treated the matter as a merchant billing dispute rather than fraud, and either denied the dispute or failed to conduct a reasonable investigation. In some cases, I was told the charges were too old, even though this was an ongoing pattern of unauthorized recurring charges that I discovered recently. \n\nI have since : Notified the merchant ( XXXX ) in writing and submitted a formal Notice of Dispute Filed a complaint with the FCC regarding the unauthorized charges Requested that my bank reopen or properly classify the dispute as fraud My bank has failed to provide sufficient documentation showing that a proper fraud investigation occurred, including evidence of authorization, service usage, or compliance with applicable consumer protection regulations. \n\nI am requesting that the CFPB require my bank to : 1. Reopen and properly investigate the disputed transactions as fraud 2. Provide provisional and/or permanent credit for unauthorized charges as required by law 3. Supply written documentation of the investigation and decision 4. Correct any errors related to the handling or classification of this dispute I am submitting this complaint in good faith to seek enforcement of my consumer protection rights and resolution of unauthorized transactions.","date_sent_to_company":"2026-02-03T20:17:12.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"84057","tags":null,"has_narrative":true,"complaint_id":"19220597","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOUNTAIN AMERICA FEDERAL CREDIT UNION","date_received":"2026-02-03T20:01:59.000Z","state":"UT","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I am filing a complaint <em>regarding</em> my banks failure to properly investigate and resolve fraudulent, unauthorized <em>charges</em> paid to XXXX. \n\nI recently discovered a pattern of unauthorized <em>charges</em> on my account dating back to approximately XX/XX/year>. These <em>charges</em> were not authorized, requested, or benefited from by me. Upon discovery, I promptly notified my bank and <em>disputed</em> the transactions as <em>fraud</em>."],"company":["MOUNTAIN AMERICA FEDERAL <em>CREDIT</em> UNION"]},"sort":[13.79374,"19220597"]},{"_index":"complaint-public-v1","_id":"8954167","_score":13.647855,"_source":{"product":"Credit card","complaint_what_happened":"I called Discover Credit Card about my credit card and fraud charges. I disputes the charges but the charges were return by the fraud investigator. I called and ask to speak with a Supervisor and XXXX XXXX XXXX XXXX was very rude and unhelpful regarding resolving my disputes with my credit card. She had no customer services skills to help me and was disrespectful and told me some will call me in 72hrs. \n\nXXXX stated my charges were reversed and not upheld because they are common at the same stores and because I still made payments on my account when there was fraud charges. \n\nThe town XXXX XXXX  I stay in is only 10 miles radius in whole. \n\nI should not held liable for charges I did not make. This is wrong and its not right that Discover treats it customers this way. \n\nI have called Discover Fraud Investigation several times and still have not been helped.","date_sent_to_company":"2024-05-07T16:42:34.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"334XX","tags":"Servicemember","has_narrative":true,"complaint_id":"8954167","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2024-05-07T16:13:26.000Z","state":"FL","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I called Discover <em>Credit</em> Card about my <em>credit</em> card and <em>fraud</em> <em>charges</em>. I <em>disputes</em> the <em>charges</em> but the <em>charges</em> were return by the <em>fraud</em> investigator. I called and ask to speak with a Supervisor and XXXX XXXX XXXX XXXX was very rude and unhelpful <em>regarding</em> resolving my <em>disputes</em> with my <em>credit</em> card. She had no customer services skills to help me and was disrespectful and told me some will call me in 72hrs."],"product":["<em>Credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or <em>charge</em> card"]},"sort":[13.647855,"8954167"]},{"_index":"complaint-public-v1","_id":"3751522","_score":13.562603,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"To Whoever it may concern, XX/XX/2020 I received unauthorized charges on my Bank Of America Visa Credit Card XXXX XXXX XXXX XXXX on the date XX/XX/2020 {$270.00} at XXXX XXXX # XXXX XXXX, CA and XX/XX/2020 {$480.00} at XXXX XXXX XXXX XXXX, CA. I live in XXXX, CA and I have never been down to XXXX and XXXX. \n\nI contacted Bank Of America to get a new credit card and file a claim. A claim was filed on XX/XX/2020 regarding the charges {$270.00} and {$480.00}. It was deducted from my account. The representative, XXXX, said I would need to provide details through phone or email. I have not received any follow up. But I received a letter with a date XX/XX/2020 that said they extended the credit period regarding fraud dispute. On XX/XX/2020, my new Bank Of America Visa Credit Card XXXX XXXX XXXX XXXX XXXX was hit with {$270.00} and {$480.00} charges and they closed the fraud dispute without notifying me. I found the letter in my online bank account regarding fraud dispute closure has the date XX/XX/2020 and is blank. \n\nI have tried to contact them and so far they have not responded to these reinstated charges. \n\nI am aware that under Federal Trade Commission FCBA law that unauthorized charges should be charged no more than {$50.00}. I feel it is unjust to force me to pay fraudulent charges of such amounts. I want these charges removed.\n\nYours Sincerely, XXXX XXXX","date_sent_to_company":"2020-07-18T06:58:31.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"95815","tags":null,"has_narrative":true,"complaint_id":"3751522","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2020-07-18T02:22:13.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["But I received a letter with a date XX/XX/2020 that said they extended the <em>credit</em> period <em>regarding</em> <em>fraud</em> <em>dispute</em>. On XX/XX/2020, my new Bank Of America Visa <em>Credit</em> Card XXXX XXXX XXXX XXXX XXXX was hit with {$270.00} and {$480.00} <em>charges</em> and they closed the <em>fraud</em> <em>dispute</em> without notifying me. I found the letter in my online bank account <em>regarding</em> <em>fraud</em> <em>dispute</em> closure has the date XX/XX/2020 and is blank."],"product":["<em>Credit</em> card or prepaid card"],"sub_product":["General-purpose <em>credit</em> card or <em>charge</em> card"]},"sort":[13.562603,"3751522"]},{"_index":"complaint-public-v1","_id":"8845017","_score":13.516816,"_source":{"product":"Credit card","complaint_what_happened":"I received an email and text message on XX/XX/XXXX regarding a possible fraudulent charge on my Costco Anywhere Visa Card by Citi ending in XXXX. I quickly called the Citi fraud number to confirm that I did not recognize the {$97.00} charge to XXXX that the email and text had mentioned. The representative also mentioned a {$96.00} XXXX charge on the same day. I denied making that charge too. I confirmed other charges that I had made so it was decided to dispute only the XXXX XXXX charges, cancel that credit card and issue me a new one. \n\nThe next day, XX/XX/XXXX, I receive an email/text regarding a {$97.00} XXXX charge on my newly issued credit card ending in XXXX. I called the fraud line again and the rep told me the charge XXXX have just been mistakenly applied to the new card. I confirmed I was disputing that charge. \n\nOn XX/XX/XXXX I received another email/text noting the same charge and card number. I called the fraud line again and was told the only thing to be done was to dispute the charge, cancel the card and be issued yet another new card. I told the representative this charge would have to have been made before I even got the card and activated it. She apologized, but said that was all she could do. I was issued a new card. \n\nI now have the new card and all is fine with it, but there is still a {$96.00} XXXX charge on my card. I read the final resolution letter online and all it said was that Citi was confirming that I no longer disputed the charge. So I called the fraud line yet again to say there was still a charge on my card that I have been continually disputing from the beginning. On XX/XX/XXXX, I got my last email from Citi stating that they received additional information and reopened the fraud dispute. It is now XX/XX/XXXX and I have heard nothing and see no indication on my account that anything is being looked into. This should not be taking this long.","date_sent_to_company":"2024-04-24T16:18:54.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"85042","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"8845017","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-04-24T16:00:23.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I confirmed other <em>charges</em> that I had made so it was decided to <em>dispute</em> only the XXXX XXXX <em>charges</em>, cancel that <em>credit</em> card and issue me a new one. \n\nThe next day, XX/XX/XXXX, I receive an email/text <em>regarding</em> a {$97.00} XXXX <em>charge</em> on my newly issued <em>credit</em> card ending in XXXX. I called the <em>fraud</em> line again and the rep told me the <em>charge</em> XXXX have just been mistakenly applied to the new card. I confirmed I was <em>disputing</em> that <em>charge</em>."],"product":["<em>Credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or <em>charge</em> card"],"sub_issue":["<em>Credit</em> card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[13.516816,"8845017"]},{"_index":"complaint-public-v1","_id":"19133057","_score":13.47858,"_source":{"product":"Credit card","complaint_what_happened":"To Whom It May Concern, I am submitting this complaint regarding the Apple Credit Card, issued by Goldman Sachs Bank USA, for misleading practices, unfair treatment, and failure to properly handle reported fraudulent charges on my account, including the improper reporting of these charges to credit bureaus. \n\nI notified Apple Credit Card that my account contained fraudulent charges and clearly stated that these transactions were unauthorized. Despite this notification and my request for protection under their fraud policies, Apple Credit Card failed to properly investigate or resolve the fraud claim in a fair and reasonable manner. \n\nInstead of protecting me after I reported fraud, Apple Credit Card continued to hold me responsible for the disputed transactions. As a result, I was charged over {$10000.00} for transactions I explicitly identified as fraudulent. \n\nIn addition, Apple Credit Card has reported or allowed these disputed charges to appear on my credit report. Reporting fraudulent charges as valid debt is inaccurate and unfair, and it has caused damage to my credit profile. I believe this reporting violates consumer protection laws, including the Fair Credit Billing Act and the Fair Credit Reporting Act.\n\nApple Credit Card misled me regarding how my fraud dispute would be handled and failed to provide clear explanations or sufficient documentation regarding the denial or mishandling of my claim. This situation has caused significant financial harm and distress. \n\nI am requesting that the Consumer Financial Protection Bureau review this matter and assist in ensuring that : The fraudulent charges are fully investigated and removed from my Apple Credit Card account All fees, interest, and balances related to these fraudulent charges are reversed Any negative or inaccurate credit reporting related to these charges is immediately removed or corrected with all credit reporting agencies Apple Credit Card is held accountable for unfair and misleading practices in its handling of reported fraud Thank you for your time and attention to this matter. I appreciate the CFPBs assistance in protecting consumers from unfair financial practices. \n\nSincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, FL XXXX","date_sent_to_company":"2026-02-10T12:46:31.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"33323","tags":null,"has_narrative":true,"complaint_id":"19133057","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2026-01-30T15:54:00.000Z","state":"FL","company_public_response":null,"sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["Apple <em>Credit</em> Card misled me <em>regarding</em> how my <em>fraud</em> <em>dispute</em> would be handled and failed to provide clear explanations or sufficient documentation <em>regarding</em> the denial or mishandling of my claim. This situation has caused significant financial harm and distress."],"product":["<em>Credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or <em>charge</em> card"],"sub_issue":["Confusing or misleading advertising about the <em>credit</em> card"]},"sort":[13.47858,"19133057"]},{"_index":"complaint-public-v1","_id":"19085433","_score":13.455666,"_source":{"product":"Credit card","complaint_what_happened":"I am submitting this complaint regarding fraudulent credit card charges and Capital Ones handling of my fraud dispute. \n\nIn XXXX through XX/XX/year>, while traveling internationally in XXXX, multiple unauthorized transactions totaling approximately {$1500.00} posted to my Capital One Visa credit card account. During this time, I was using my card legitimately at some merchants and did not immediately review all account activity. After reviewing my transactions a few days later, I identified several charges that I did not recognize and promptly reported them to Capital One as fraud.\n\nCapital One replaced my card number and opened a fraud dispute. At no point did I withdraw the dispute or indicate that I accepted the charges. However, the dispute was later automatically closed because Capital One sent physical letters requesting signatures or documentation that I never received. I was not contacted by phone or email regarding this request, and I was unaware that failure to respond to mailed correspondence would result in closure of the claim.\n\nBecause the dispute was closed without my knowledge, the Visa chargeback window later expired. Capital One now refuses to review or credit the fraudulent charges, despite the fact that the closure was procedural and not due to customer withdrawal, resolution, or authorization of the transactions.\n\nI am requesting that Capital One conduct a good-faith fraud review at the executive level and provide reimbursement or a goodwill credit for the unauthorized charges. I believe it is unreasonable to hold me financially responsible for confirmed fraud solely due to missed physical mail, especially when no electronic or verbal follow-up was attempted.\n\nI am asking the CFPB to review Capital Ones handling of this matter and require a written response addressing whether reimbursement or credit will be provided under bank liability discretion.","date_sent_to_company":"2026-01-28T22:47:14.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"91214","tags":null,"has_narrative":true,"complaint_id":"19085433","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-01-28T22:41:44.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I am submitting this complaint <em>regarding</em> fraudulent <em>credit</em> card <em>charges</em> and Capital Ones handling of my <em>fraud</em> <em>dispute</em>. \n\nIn XXXX through XX/XX/year>, while traveling internationally in XXXX, multiple unauthorized transactions totaling approximately {$1500.00} posted to my Capital One Visa <em>credit</em> card account. During this time, I was using my card legitimately at some merchants and did not immediately review all account activity."],"product":["<em>Credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or <em>charge</em> card"],"sub_issue":["<em>Credit</em> card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[13.455666,"19085433"]},{"_index":"complaint-public-v1","_id":"6637625","_score":13.35266,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/2022 my credit card company posted a charge for {$160.00} from XXXX XXXX XXXXXXXX which is not supposed to be a charge on the card when I found out about that I contacted my credit card company and told them that I didn't authorize this charge so they open a fraud dispute regarding that charge and credited the balance back on my account, but recently the fraud department from the credit card company contacted me and told me that they have to dismiss this dispute and advised me to call them back to open another dispute for an unauthorized charge by the merchant with an agent over the phone. When I did try doing that, the agent from the Chase credit card company told me because the fraud department has closes dispute in the favor of XXXX I have to pay that amount and they can not help me open another dispute or else I have to write a letter and mail it to them and then they will decide whether they can open a dispute or not. I firmly believe that this is unjustly trying to make me pay for some thing that I didn't authorize on my card. As I paid the full balance of my stay with XXXX with my another card, and this card was just used for identification purposes which shouldn't be charged with any kind of fee or payment as I have the proof that I paid the full amount with my another Chase credit card. I informed them regarding what I am saying here, but they are not ready to listen to my side of the story and not opening another dispute and unjustly trying to ask me to pay the amount.","date_sent_to_company":"2023-03-03T02:25:05.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"08859","tags":null,"has_narrative":true,"complaint_id":"6637625","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-03-03T01:59:33.000Z","state":"NJ","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/2022 my <em>credit</em> card company posted a <em>charge</em> for {$160.00} from XXXX XXXX XXXXXXXX which is not supposed to be a <em>charge</em> on the card when I found out about that I contacted my <em>credit</em> card company and told them that I didn't authorize this <em>charge</em> so they open a <em>fraud</em> <em>dispute</em> <em>regarding</em> that <em>charge</em> and <em>credited</em> the balance back on my account, but recently the <em>fraud</em> department from the <em>credit</em> card company contacted me and told me that they have to dismiss this <em>dispute</em> and advised me to call them"],"product":["<em>Credit</em> card or prepaid card"],"sub_product":["General-purpose <em>credit</em> card or <em>charge</em> card"],"sub_issue":["<em>Credit</em> card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[13.35266,"6637625"]},{"_index":"complaint-public-v1","_id":"6782676","_score":13.346525,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/2022 my credit card company posted a charge for {$160.00} from XXXX  by Marriott which is not supposed to be a charge on the card when I found out about that I contacted my credit card company and told them that I didn't authorize this charge so they open a fraud dispute regarding that charge and credited the balance back on my account, but recently the fraud department from the credit card company contacted me and told me that they have to dismiss this dispute and advised me to call them back to open another dispute for an unauthorized charge by the merchant with an agent over the phone. When I did try doing that, the agent from the Chase credit card company told me because the fraud department has closes dispute in the favor of Marriot I have to pay that amount and they can not help me open another dispute or else I have to write a letter and mail it to them and then they will decide whether they can open a dispute or not. I firmly believe that this is unjustly trying to make me pay for some thing that I didn't authorize on my card. As I paid the full balance of my stay with Marriott with my another card, and this card was just used for identification purposes which shouldn't be charged with any kind of fee or payment as I have the proof that I paid the full amount with my another Chase credit card. I informed them regarding what I am saying here, but they are not ready to listen to my side of the story and not opening another dispute and unjustly trying to ask me to pay the amount.","date_sent_to_company":"2023-04-01T08:10:33.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"08859","tags":null,"has_narrative":true,"complaint_id":"6782676","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-04-01T08:06:54.000Z","state":"NJ","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/2022 my <em>credit</em> card company posted a <em>charge</em> for {$160.00} from XXXX  by Marriott which is not supposed to be a <em>charge</em> on the card when I found out about that I contacted my <em>credit</em> card company and told them that I didn't authorize this <em>charge</em> so they open a <em>fraud</em> <em>dispute</em> <em>regarding</em> that <em>charge</em> and <em>credited</em> the balance back on my account, but recently the <em>fraud</em> department from the <em>credit</em> card company contacted me and told me that they have to dismiss this <em>dispute</em> and advised me to call them"],"product":["<em>Credit</em> card or prepaid card"],"sub_product":["General-purpose <em>credit</em> card or <em>charge</em> card"],"sub_issue":["<em>Credit</em> card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[13.346525,"6782676"]},{"_index":"complaint-public-v1","_id":"10859466","_score":13.329566,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I noticed inaccurate information on my credit report. listed accounts needs immediate attention regarding deletion due to fraudulent activity and inaccurate information listed below. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer Dept of Education* -XXXX XXXX Opened XXXX _*Account is not mine belongs to some one else please remove XXXX XXXX XXXX XXXX ** Closed XXXX XXXX XXXX {$500.00} Charge off *** REPORTED FRAUD please remove file. \n\nXXXX XXXX XXXX ** Closed {$400.00} XXXX XXXX ** Charge off **** REPORTED FRAUD please remove file XXXX XXXX **Closed XX/XX/XXXX {$150.00} * Charge off *** REPORTED FRAUD please remove file XXXX XXXX  **Closed XXXX, XXXX XXXX {$200.00} * Charge Off***** REPORTED FRAUD please remove file XXXXXXXX XXXX XXXX ** Closed XXXX XXXX XXXX *** Account REPORTED FRAUD please remove file XXXX Closed ** XXXX XXXX {$120.00} *** Account not mine please remove from file XXXX  ** Closed XXXX XXXX {$520.00} *** REPORTED FRAUD PLEASE REMOVE FILE","date_sent_to_company":"2024-11-19T01:44:31.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30046","tags":null,"has_narrative":true,"complaint_id":"10859466","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-19T01:44:29.000Z","state":"GA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I noticed inaccurate information on my <em>credit</em> report. listed accounts needs immediate attention <em>regarding</em> deletion due to fraudulent activity and inaccurate information listed below. 15 U.S."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.329566,"10859466"]},{"_index":"complaint-public-v1","_id":"20191205","_score":13.132205,"_source":{"product":"Credit card","complaint_what_happened":"I am submitting this complaint regarding fraudulent charges on my American Express XXXX XXXX XXXX credit card. \n\nMy account showed multiple unauthorized XXXX XXXXXXXX XXXX  charges within a short period of time, totaling approximately {$1800.00} during the billing cycle. I did not authorize these transactions. \n\nI reported these charges to American Express as fraud and expected a proper investigation. However, American Express did not properly investigate the disputed transactions and did not provide me with a clear explanation of how it determined that the charges were valid or authorized. \n\nThe pattern of transactions shows numerous XXXX charges posted close together and in varying amounts, which is consistent with fraudulent activity. Despite this, the bank failed to properly address the situation and did not provide adequate documentation or evidence showing that these transactions were authorized by me. \n\nAs a consumer, I believe American Express did not conduct a reasonable investigation into these unauthorized credit card charges. \n\nI am requesting that American Express reopen the fraud investigation, remove all unauthorized XXXX charges from my account, and provide a clear written explanation of the basis for any determination it has made regarding these disputed transactions.","date_sent_to_company":"2026-03-12T03:40:12.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"98056","tags":null,"has_narrative":true,"complaint_id":"20191205","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2026-03-12T03:34:33.000Z","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":["As a consumer, I believe American Express did not conduct a reasonable investigation into these unauthorized <em>credit</em> card <em>charges</em>. \n\nI am requesting that American Express reopen the <em>fraud</em> investigation, remove all unauthorized XXXX <em>charges</em> from my account, and provide a clear written explanation of the basis for any determination it has made <em>regarding</em> these <em>disputed</em> transactions."],"product":["<em>Credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or <em>charge</em> card"],"sub_issue":["<em>Credit</em> card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[13.132205,"20191205"]},{"_index":"complaint-public-v1","_id":"17859641","_score":13.109497,"_source":{"product":"Credit card","complaint_what_happened":"I am filing a formal complaint regarding Bank of Americas mishandling of a previously disputed charge on my credit card. I was deceived by XXXX XXXX, which instructed me to make purchases using my personal credit card under the false belief I was performing legitimate work tasks. Although I physically made the purchases in-store, these transactions were fraudulently induced and not for my personal benefit, which qualifies as XXXX XXXX XXXXXXXX Scam Fraud under federal law . The total amount of these fraudulent charges is {$3200.00} I previously filed a dispute and a fraud claim regarding these charges. Both were mishandled : the dispute was resolved without proper investigation or reclassification as fraud, and the fraud claim was denied because I physically made the charges, despite my consent being obtained through deception. The charges are being misclassified, preventing proper investigation and resolution. I also filed a police report Report Number : XXXX and an FTC Identity Theft report Report Number : XXXX, both of which can be verified with the respective agencies. \n\nAll available evidence is ready for submission, including : - Emails and correspondence with the scam company - Receipts of the purchases - FTC Identity Theft report - Police report verification - Detailed timeline of events - Documentation of prior disputes and fraud claims This evidence demonstrates that the charges were fraudulently induced and not authorized under valid consent. \n\nOn XX/XX/year>, I attempted to escalate my dispute. During my call, I spoke with XXXX on XXXX at XXXX XXXX  ( PST ), and the fraud department was closed. I requested to speak with her immediate supervisor to ensure proper review and instructions for submitting all evidence. The representative refused to transfer me, preventing proper handling of my claim. I subsequently reported this refusal to the supervisor, who documented the incident for internal review. This claim needs to be filed in the correct department to ensure proper investigation and resolution. \n\nI request that my claim be reopened, correctly classified as XXXX XXXX XXXX Scam Fraud, and reviewed with all evidence submitted, and that the charges be reversed and refunded once fraud is confirmed. I also request written confirmation and a new case number for tracking.\n\nBank of Americas prior resolution is legally insufficient. Even though the charges were made in-store, authorization obtained by deception is not valid consent under the Fair Credit Billing Act ( FCBA, 15 U.S.C. 1666 ) * *. Additionally, Bank of America is required under 15 U.S.C. 1643 ( cardholder liability ) and Regulation Z ( 12 C.F.R. 1026.6 and 1026.13 ) to properly investigate and correct billing errors, including fraudulently induced charges. Refusal to escalate, misclassifying, or ignoring these charges constitutes a violation of these federal protections.\n\nThis matter has been unresolved for over 8 months, causing unnecessary XXXX, financial risk, and hardship. I request that Bank of America handle this claim in full compliance with federal law, ensure corrective action regarding the representatives mishandling, file this claim in the correct department, and provide a final resolution with a full refund, so all 9 months of stress are resolved and my money is returned promptly. \n\nCase numbers of prior dispute and fraud claim : XXXX","date_sent_to_company":"2025-12-09T03:49:05.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"89129","tags":null,"has_narrative":true,"complaint_id":"17859641","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-12-09T03:06:43.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["The total amount of these fraudulent <em>charges</em> is {$3200.00} I previously filed a <em>dispute</em> and a <em>fraud</em> claim <em>regarding</em> these <em>charges</em>. Both were mishandled : the <em>dispute</em> was resolved without proper investigation or reclassification as <em>fraud</em>, and the <em>fraud</em> claim was denied because I physically made the <em>charges</em>, despite my consent being obtained through deception. The <em>charges</em> are being misclassified, preventing proper investigation and resolution."],"product":["<em>Credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or <em>charge</em> card"],"sub_issue":["<em>Credit</em> card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[13.109497,"17859641"]},{"_index":"complaint-public-v1","_id":"10869643","_score":13.088291,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I noticed inaccurate information on my credit report. listed accounts needs immediate attention regarding deletion due to fraudulent activity and inaccurate information listed below. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer XXXX XXXX XXXX XXXX XXXX Opened XXXX _*Account is not mine belongs to some XXXX else please remove Open XXXX XXXX XXXX ** XXXX XXXX XXXX XXXX {$500.00} Charge off *** REPORTED FRAUD please remove file. \n\nXXXX  XXXX XXXX ** Closed {$400.00} XXXX XXXX ** Charge off **** REPORTED FRAUD please remove file XXXX XXXX XXXX XX/XX/XXXX {$150.00} * Charge off *** REPORTED FRAUD please remove file XXXX XXXX  **Closed XXXX, XXXX XXXX {$200.00} * Charge Off***** REPORTED FRAUD please remove file XXXX Loan Servicin ** Closed XXXX XXXX XXXX *** Account REPORTED FRAUD please remove file Fingerhut/webbank Closed ** XXXX XXXX {$120.00} *** Account not mine please remove from file XXXX ** Closed XXXX XXXX {$520.00} *** REPORTED FRAUD PLEASE REMOVE FILE","date_sent_to_company":"2024-11-19T01:44:20.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30046","tags":null,"has_narrative":true,"complaint_id":"10869643","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-19T01:15:46.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I noticed inaccurate information on my <em>credit</em> report. listed accounts needs immediate attention <em>regarding</em> deletion due to fraudulent activity and inaccurate information listed below. 15 U.S."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.088291,"10869643"]},{"_index":"complaint-public-v1","_id":"19970529","_score":13.036001,"_source":{"product":"Credit card","complaint_what_happened":"I am filing this complaint regarding XXXX XXXX refusal to reverse {$760.00} in fraudulent charges on my account. \n\nI promptly notified Discover that the charges were unauthorized. I submitted a written dispute to their Billing Inquiries/Fraud Department within the required time frame under the Fair Credit Billing Act. Despite this, Discover denied my fraud claim without providing sufficient explanation or evidence that I authorized these transactions.\n\nDiscover continues to : Hold me responsible for {$760.00} in fraudulent charges Add interest and late fees on the disputed amount Report the balance as delinquent, negatively impacting my credit score I did not authorize these charges. I reported them in good faith and in a timely manner. Under the Fair Credit Billing Act, I am not liable for unauthorized charges that are properly disputed.\n\nI am requesting that Discover : Immediately remove the {$760.00} in fraudulent charges Reverse all related interest and late fees Correct any negative credit reporting related to this disputed amount Provide written documentation explaining the basis for denying my fraud claim Discovers actions are causing financial harm and credit damage despite my compliance with dispute procedures. \n\nI respectfully request regulatory review and assistance in resolving this matter.","date_sent_to_company":"2026-03-04T17:49:45.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"34606","tags":"Older American","has_narrative":true,"complaint_id":"19970529","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2026-03-04T17:19:47.000Z","state":"FL","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I am filing this complaint <em>regarding</em> XXXX XXXX refusal to reverse {$760.00} in fraudulent <em>charges</em> on my account. \n\nI promptly notified Discover that the <em>charges</em> were unauthorized. I submitted a written <em>dispute</em> to their Billing Inquiries/<em>Fraud</em> Department within the required time frame under the Fair <em>Credit</em> Billing Act. Despite this, Discover denied my <em>fraud</em> claim without providing sufficient explanation or evidence that I authorized these transactions."],"product":["<em>Credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or <em>charge</em> card"]},"sort":[13.036001,"19970529"]},{"_index":"complaint-public-v1","_id":"9573852","_score":13.033997,"_source":{"product":"Credit card","complaint_what_happened":"Hi XXXX, I received your response on cfpb regarding the above mentioned complaint and I do not know what you are talking about, it seems your team is not telling you, everything I provided to your team. I did provide all the information regarding the XXXX  disputes to your team additionally I also have brought up lawsuits against the hosts of the XXXX, because you guys did not credit me the money. Additionally, regarding the credit card charges, I did ask XXXX XXXX to report all the subsequent charges as fraudulent, so I do not know what you are talking about, all the charges were fraudulent and I should be getting credit for all those charges. \n\nI called you three times on the number provided.\n\nWhy is XXXX XXXX  doing fraud with me and not following the state and the country 's laws and resolve my dispute and the fraudulent charges?","date_sent_to_company":"2024-07-25T17:55:55.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"92833","tags":null,"has_narrative":true,"complaint_id":"9573852","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-07-21T22:40:03.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["Additionally, <em>regarding</em> the <em>credit</em> card <em>charges</em>, I did ask XXXX XXXX to report all the subsequent <em>charges</em> as fraudulent, so I do not know what you are talking about, all the <em>charges</em> were fraudulent and I should be getting <em>credit</em> for all those <em>charges</em>. \n\nI called you three times on the number provided.\n\nWhy is XXXX XXXX  doing <em>fraud</em> with me and not following the state and the country 's laws and resolve my <em>dispute</em> and the fraudulent <em>charges</em>?"],"product":["<em>Credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or <em>charge</em> card"]},"sort":[13.033997,"9573852"]},{"_index":"complaint-public-v1","_id":"6402043","_score":13.0086355,"_source":{"product":"Debt collection","complaint_what_happened":"I was recently contacted by Portfolio Recovery Associates regarding a debt they purchased from XXXX XXXX in XX/XX/XXXX. The debt they purchased was due to fraudulent charges and accumulated fees. I had numerous conversations with XXXX  XXXX about resolving the matter regarding the fraudulent charges and they never followed through. The last payment XX/XX/XXXX to XXXX XXXX was a good faith payment to keep the account open and for them to finish the fraud investigation which never occurred. As noted, PRA acquired this back in XXXX but I did not hear from them until XX/XX/XXXX. They attempted to settle the debt but I had XXXX balance prior to the fraud charges that went unsettled with XXXX XXXX. I requested itemized statements that validate the balance which would show as disputed on XXXX XXXX  side. I did not receive the itemized statements, instead I received XXXX statement of the total balance and accrued fees/ interest. They have failed to work with XXXX XXXX to procure the necessary information regarding my fraud dispute to dismiss this collection. PRA has not added this to my credit report as of yet but they have been threatening to do so even though they have not properly validated any of the debt nor the account.","date_sent_to_company":"2023-01-05T06:23:58.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"33025","tags":null,"has_narrative":true,"complaint_id":"6402043","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2023-01-05T06:03:46.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["They attempted to settle the debt but I had XXXX balance prior to the <em>fraud</em> <em>charges</em> that went unsettled with XXXX XXXX. I requested itemized statements that validate the balance which would show as <em>disputed</em> on XXXX XXXX  side. I did not receive the itemized statements, instead I received XXXX statement of the total balance and accrued fees/ interest. They have failed to work with XXXX XXXX to procure the necessary information <em>regarding</em> my <em>fraud</em> <em>dispute</em> to dismiss this collection."],"sub_product":["<em>Credit</em> card debt"]},"sort":[13.0086355,"6402043"]},{"_index":"complaint-public-v1","_id":"11369909","_score":13.007797,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Dispute of Claim Denial Case # XXXX I am submitting this complaint regarding **Bank of Americas** denial of my fraud claim related to my account ending in XXXX. The claim, was denied without adequate justification or proper resolution. \nDetails of the Issue : 1. **Claim Number : ** XXXX XXXX. **Amount Disputed : ** {$460.00} 3. **Reason for Denial : ** Bank of America claims the charge is consistent with previous charges with this merchant. However, this charge was unauthorized and fraudulent. Additional Evidence : I have filed a police report regarding this fraudulent charges and am attaching a copy of the report with this complaint. This further demonstrates the seriousness of this matter and supports my assertion that the charge was unauthorized. \nMy Concerns : Insufficient Investigation : Bank of Americas reliance on historical transaction patterns is not a valid justification for denying a fraud claim. The circumstances of these specific charges must be reviewed independently. \nLack of Transparency : I have requested documentation supporting their decision, but none has been provided. I believe this is a violation of my rights as a consumer under the Fair Credit Billing Act ( FCBA ). \nImpact on Credit : Bank of America has added a comment to my credit file that I disagree with Bank of America decision, but this is not an adequate resolution. The disputed charge must be removed entirely. \nDesired Resolution : 1. Re-open and re-investigate my fraud claim.\n\n2. Provide all documentation and evidence reviewed during the original investigation.\n\n3. Permanently remove the disputed charge and ensure it does not negatively impact my credit report.\n\n4. If the bank can not prove the validity of the charged, they must delete these charges from my records immediately. \nI trust that with the additional evidence provided, including the attached police report, this matter will be resolved fairly and expeditiously. \nThank you for your assistance in this matter. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-03T20:13:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90503","tags":null,"has_narrative":true,"complaint_id":"11369909","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-01-03T19:38:23.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Subject : Formal <em>Dispute</em> of Claim Denial Case # XXXX I am submitting this complaint <em>regarding</em> **Bank of Americas** denial of my <em>fraud</em> claim related to my account ending in XXXX. The claim, was denied without adequate justification or proper resolution. \nDetails of the Issue : 1. **Claim Number : ** XXXX XXXX. **Amount <em>Disputed</em> : ** {$460.00} 3. **Reason for Denial : ** Bank of America claims the <em>charge</em> is consistent with previous <em>charges</em> with this merchant."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.007797,"11369909"]},{"_index":"complaint-public-v1","_id":"3588482","_score":13.006567,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I write this letter as over the past 8-10 months or so months I have went back and forth between Chase 's Fraud and Disputes Departments regarding two unauthorized transactions on my credit card totaling the amount of {$13000.00} from XXXX XXXX. After noticing these two transactions I ordered a card replacement as I thought it was fraud, however Chase noted it was considered a charge dispute as I previously did business with XXXX XXXX. Transaction 1 was charged in the amount of {$9800.00} on XX/XX/2019 and transaction 2 was charged in the amount of {$4100.00} on XX/XX/2019. Neither of the charges were approved by me the consumer and services were not rendered. I attempted to address these charges through the Chase and I was told it was in fact the Chase 's Dispute Department would and had resolved since I previously had authorized the contractor for other charges. However on XX/XX/XXXX I received an alert from XXXX  that my Credit card balance had a dramatic changed and I noticed a charge back in the amount under dispute. I have submitted to Chase countless documents stating my position regarding the fraudulent activity of XXXX XXXX. \n\nI have bank statements and and contacts showing I paid other contractors to do the job.","date_sent_to_company":"2020-04-01T16:37:15.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"95758","tags":"Servicemember","has_narrative":true,"complaint_id":"3588482","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-04-01T16:11:12.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I write this letter as over the past 8-10 months or so months I have went back and forth between Chase 's <em>Fraud</em> and <em>Disputes</em> Departments <em>regarding</em> two unauthorized transactions on my <em>credit</em> card totaling the amount of {$13000.00} from XXXX XXXX. After noticing these two transactions I ordered a card replacement as I thought it was <em>fraud</em>, however Chase noted it was considered a <em>charge</em> <em>dispute</em> as I previously did business with XXXX XXXX."],"product":["<em>Credit</em> card or prepaid card"],"sub_product":["General-purpose <em>credit</em> card or <em>charge</em> card"],"sub_issue":["<em>Credit</em> card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[13.006567,"3588482"]},{"_index":"complaint-public-v1","_id":"20613938","_score":12.965525,"_source":{"product":"Credit card","complaint_what_happened":"ubject : Formal Complaint Fraud, Improper Credit Reporting, and Account Closure To Whom It May Concern, I am submitting this complaint regarding Wells Fargos handling of a credit card fraud case, the resulting damage to my credit profile, and the subsequent closure of my account. This matter involves unauthorized charges totaling approximately {$19000.00} resulting from an impersonation scam in which I believed I was communicating with XXXX XXXX. I reported the fraudulent activity immediately while the transactions were pending. Despite my prompt action, multiple identical charges were processed, my credit was negatively impacted due to reporting of disputed balances, and my account was ultimately closed. I am requesting a full review of this matter, including the handling of the fraud report, the approval of charges exceeding my credit limit, and the reporting of disputed transactions to credit bureaus. A detailed statement, timeline,","date_sent_to_company":"2026-03-26T11:24:04.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"30087","tags":null,"has_narrative":true,"complaint_id":"20613938","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-03-26T11:15:55.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["Despite my prompt action, multiple identical <em>charges</em> were processed, my <em>credit</em> was negatively impacted due to reporting of <em>disputed</em> balances, and my account was ultimately closed. I am requesting a full review of this matter, including the handling of the <em>fraud</em> report, the approval of <em>charges</em> exceeding my <em>credit</em> limit, and the reporting of <em>disputed</em> transactions to <em>credit</em> bureaus. A detailed statement, timeline,"],"product":["<em>Credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or <em>charge</em> card"]},"sort":[12.965525,"20613938"]},{"_index":"complaint-public-v1","_id":"5061022","_score":12.965013,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Fraud charges started showing up on my credit card on my Chase XXXX credit card on XX/XX/XXXX and I caught them on XX/XX/XXXX. They had charged charged over {$21000.00} while on a shopping spree around XXXX, TX, with a bulk of the charges at XXXX, XXXX, XXXX, and XXXX. \n\nI contacted Chase on XX/XX/XXXX to let them know about the fraud charges and we cancelled card number and they sent me a replacement. \n\nI received a call from a fraud specialist 2 days later. She explained to me that it was my responsibility to visit all the stores personally and investigate the fraud... I'm pretty sure the credit card company is supposed to handle this. The fraud charges were removed from my account the next day. \n\nNow it's XX/XX/XXXX and the charges are now back on my account and nobody has contacted me regarding why. I did not make these purchases and I should not be responsible for them. \n\nThe document attached shows all of the disputed fraud charges- 13 in total.","date_sent_to_company":"2022-01-01T21:36:52.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"77083","tags":null,"has_narrative":true,"complaint_id":"5061022","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-01-01T21:07:16.000Z","state":"TX","company_public_response":null,"sub_issue":"Credit card company forcing arbitration"},"highlight":{"complaint_what_happened":["The document attached shows all of the <em>disputed</em> <em>fraud</em> <em>charges</em>- 13 in total."],"product":["<em>Credit</em> card or prepaid card"],"sub_product":["General-purpose <em>credit</em> card or <em>charge</em> card"],"sub_issue":["<em>Credit</em> card company forcing arbitration"]},"sort":[12.965013,"5061022"]},{"_index":"complaint-public-v1","_id":"22189206","_score":12.924552,"_source":{"product":"Credit card","complaint_what_happened":"I am responding regarding the reopened fraud investigation on the account ending in XXXX. \n\nAlthough American Express stated that the fraud investigation has been reopened and remains under review, I recently received an email indicating that I am required to pay the full balance on the account. \n\nThis is extremely concerning because the fraud dispute has not yet been resolved and the transactions remain disputed. Holding me responsible for the full balance while the investigation is still ongoing places significant financial pressure on me despite the fact that I continue to maintain that these transactions were unauthorized. \n\nAdditionally, American Express previously closed my complaint and denied my fraud claim without properly addressing the core issue or providing sufficient evidence demonstrating that these transactions were authorized. Despite my repeated disputes and supporting documentation, including my statements that I did not authorize these charges, American Express initially concluded that the transactions were valid and reapplied the disputed balance to my account. \n\nAs previously stated, I did not authorize the XXXX  XXXX XXXX transaction or the related charges disputed in this claim. I respectfully request that American Express suspend collection efforts and refrain from demanding payment on the disputed balance until the reopened investigation is completed and a final determination is made. \n\nI also request confirmation that the account will continue to be reported as disputed during the investigation process and that no adverse credit reporting, collection activity, or additional pressure to pay the disputed balance will occur while this matter remains under review. \n\nI ask that American Express conduct a fair and thorough investigation into these disputed transactions and provide the basis for any determination made regarding authorization of the charges.","date_sent_to_company":"2026-05-14T04:42:33.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"90066","tags":null,"has_narrative":true,"complaint_id":"22189206","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2026-05-14T04:39:51.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I am responding <em>regarding</em> the reopened <em>fraud</em> investigation on the account ending in XXXX. \n\nAlthough American Express stated that the <em>fraud</em> investigation has been reopened and remains under review, I recently received an email indicating that I am required to pay the full balance on the account. \n\nThis is extremely concerning because the <em>fraud</em> <em>dispute</em> has not yet been resolved and the transactions remain <em>disputed</em>."],"product":["<em>Credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or <em>charge</em> card"],"sub_issue":["<em>Credit</em> card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[12.924552,"22189206"]},{"_index":"complaint-public-v1","_id":"5591746","_score":12.907005,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XXXX XXXX, 2022, an unknown charge of {$270.00} appeared on my credit card statement. This was for a merchant called XXXX On XX/XX/2022 I started a dispute with Citi regarding this charge as it was unfamiliar to me and was immediately credited the {$270.00} while the dispute was being investigated. On XXXX XXXX, 2022, the same merchant appeared in my statement again for a {$150.00} charge, however, this time Citi flagged the charge as fraud and they sent me a new credit card. I thought I was done with these fraudulent charges, however, it appears that Citi has reversed their decision on the {$270.00} and now the charge appears in my statement again.","date_sent_to_company":"2022-05-23T16:04:10.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"78749","tags":null,"has_narrative":true,"complaint_id":"5591746","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2022-05-23T15:41:11.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["On XXXX XXXX, 2022, an unknown <em>charge</em> of {$270.00} appeared on my <em>credit</em> card statement. This was for a merchant called XXXX On XX/XX/2022 I started a <em>dispute</em> with Citi <em>regarding</em> this <em>charge</em> as it was unfamiliar to me and was immediately <em>credited</em> the {$270.00} while the <em>dispute</em> was being investigated. On XXXX XXXX, 2022, the same merchant appeared in my statement again for a {$150.00} <em>charge</em>, however, this time Citi flagged the <em>charge</em> as <em>fraud</em> and they sent me a new <em>credit</em> card."],"product":["<em>Credit</em> card or prepaid card"],"sub_product":["General-purpose <em>credit</em> card or <em>charge</em> card"],"sub_issue":["<em>Credit</em> card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[12.907005,"5591746"]},{"_index":"complaint-public-v1","_id":"3590934","_score":12.871642,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"My Best Buy Visa Card had a fraudulent charge of {$2.00} for a \" Best Buy Donation '' Which I never made, I called to dispute the charge. After several hours and back to forth calls and transfers making it extremely difficult to get a resolution they finally said they would look into the disputed charge. I finally received a letter in the mail regarding my fraud claim, it states that they looked into the fraud claim and they are removing the charge and interest and related fees. However, my most recent statement is still charging me for this fraudulent charge and fees and stating that it is two months late, but now the charge says a 'balance transfer '' for that fraudulent charge. I have great credit and this has now lowered my credit score down substantially. I have done everything in my power to call and resolve this with this credit card company and they are acknowledging it as fraud but not removing from my credit card and continue to call me with an automated collection. I try to call and can never get anyone on the phone to resolve this, I keep getting transferred and transferred to now one. This seems like scam that they are charging their customers and I don't no where else to turn.","date_sent_to_company":"2020-04-07T16:22:10.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"07040","tags":null,"has_narrative":true,"complaint_id":"3590934","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2020-04-03T01:37:36.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["My Best Buy Visa Card had a fraudulent <em>charge</em> of {$2.00} for a \" Best Buy Donation '' Which I never made, I called to <em>dispute</em> the <em>charge</em>. After several hours and back to forth calls and transfers making it extremely difficult to get a resolution they finally said they would look into the <em>disputed</em> <em>charge</em>. I finally received a letter in the mail <em>regarding</em> my <em>fraud</em> claim, it states that they looked into the <em>fraud</em> claim and they are removing the <em>charge</em> and interest and related fees."],"product":["<em>Credit</em> card or prepaid card"],"sub_product":["General-purpose <em>credit</em> card or <em>charge</em> card"],"sub_issue":["<em>Credit</em> card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[12.871642,"3590934"]},{"_index":"complaint-public-v1","_id":"2870004","_score":12.848011,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I sent paperwork to Equifax showing fraud on an account-I fax it in to the fraud department. The packet included a FTC Fraud Affidavit and letters that were provided to me by the FTC to have the account blocked. I called and verified that Equifax received the paperwork and they stated that they are not going to block this account. but put it in for a dispute. They stated that I have to filed a police report to get it blocked. I told them that I was informed by FTC that I was not required to have a police report file and not to file a police report until I know the amount of fraudulently charged. but they stated that is the only way to they will do it. Until they get that, they will treat it as a disputed account not a fraud account, and allowing it to keep report to the credit buear as an negative/ fraudulently account. Marking the account showing in dispute-Which with that, I can do any type of banking for my business. \nThe rep stating, because I opened the account, it was not fraud. I did open the account but I have charges on the account that are fraudulently and the lender refuse to provide me any paperwork regarding these charges. I have filed all of the paperwork required. I have even filed a complaint with the CFPB regarding the company that is reporting on my credit report. \n\nWhat is the point of doing all the steps necessary for blocking a fraud account on the credit, if the credit reporting companies are not going to follow it. I was told about the fraud paperwork from XXXX and XXXX XXXX-Equifax stated all I could do is file a dispute and wait 30 days. Why is equifax not following any of the fair credit reporting rules?","date_sent_to_company":"2018-04-10T06:00:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"66223","tags":null,"has_narrative":true,"complaint_id":"2870004","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-04-10T01:28:07.000Z","state":"KS","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Until they get that, they will treat it as a <em>disputed</em> account not a <em>fraud</em> account, and allowing it to keep report to the <em>credit</em> buear as an negative/ fraudulently account. Marking the account showing in <em>dispute</em>-Which with that, I can do any type of banking for my business. \nThe rep stating, because I opened the account, it was not <em>fraud</em>. I did open the account but I have <em>charges</em> on the account that are fraudulently and the lender refuse to provide me any paperwork <em>regarding</em> these <em>charges</em>."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.848011,"2870004"]},{"_index":"complaint-public-v1","_id":"12987746","_score":12.795681,"_source":{"product":"Credit card","complaint_what_happened":"XXXX dollars in fraudulent charges were made to my Ally credit card to XXXX in XXXX of XXXX. I notified Ally of the fraud as soon as I became aware of it on XX/XX/XXXX. I also notified XXXX on that same date, XXXX was able to verify the charges were indeed fraudulent, provided me a case number yet said the charges must be dealt with in a dispute with the credit card company ( Ally ). Allly intends to make me pay for the {$1000.00} fraudulent charges the next billing cycle on XX/XX/XXXX despite I notified them of the fraud on XX/XX/XXXX and have also provided them the information from XXXX. Ally has been saying now for XXXX weeks they are mailing me paperwork to fill out regarding the fraud and to date, I have received nothing.","date_sent_to_company":"2025-04-23T13:27:16.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"66208","tags":null,"has_narrative":true,"complaint_id":"12987746","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2025-04-14T03:16:36.000Z","state":"KS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["XXXX dollars in fraudulent <em>charges</em> were made to my Ally <em>credit</em> card to XXXX in XXXX of XXXX. I notified Ally of the <em>fraud</em> as soon as I became aware of it on XX/XX/XXXX. I also notified XXXX on that same date, XXXX was able to verify the <em>charges</em> were indeed fraudulent, provided me a case number yet said the <em>charges</em> must be dealt with in a <em>dispute</em> with the <em>credit</em> card company ( Ally )."],"product":["<em>Credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or <em>charge</em> card"]},"sort":[12.795681,"12987746"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":5947,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":5947}]}},"product":{"doc_count":5947,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":1855,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1842},{"key":"Other personal consumer report","doc_count":13}]}},{"key":"Debt 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