{"took":369,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":155,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"7761645","_score":27.95018,"_source":{"product":"Credit card","complaint_what_happened":"JP Morgan Chase, where I have multiple legitimate accounts, has allowed at least XXXX fraudulent credit card applications to opened in my name within XXXX months. I received a copy of the first application and it includes information regarding my address, email, and other details that is clearly inconsistent with my actual information that Chase has on file for my legitimate accounts. These credit card applications should have been immediately flagged and denied, without a credit check occurring. \n\nChase 's credit card application process clearly lacks sufficient controls to avoid consumer fraud and suggests that Chase is permitting fraudulent cards to issue even where it has contradictory information available for the customer. The second of these fraudulent applications occurred after I completed the fraud reporting process with Chase, so even consumers who detect fraudulent activity on their accounts appear and spend the hours with Chase representatives to report this fraud are not protected. This conduct feels incredibly similar to prior misconduct at XXXX XXXX and other financial institutions that allowed unauthorized accounts to open in order to meet quotas or otherwise increase fees to the banks. \nThese fraudulent cards and applications have significantly lowered my credit score, and I am unaware of any actions by Chase to proactively avoid future fraudulent applications from occurring.","date_sent_to_company":"2023-10-26T13:19:49.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"152XX","tags":null,"has_narrative":true,"complaint_id":"7761645","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-10-26T12:59:08.000Z","state":"PA","company_public_response":null,"sub_issue":"Card opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["The second of these <em>fraudulent</em> applications <em>occurred</em> after I completed the <em>fraud</em> reporting process with Chase, so even consumers who detect <em>fraudulent</em> <em>activity</em> on their accounts appear and spend the hours with Chase representatives to report this <em>fraud</em> are not protected. This conduct feels incredibly similar to prior misconduct at XXXX XXXX and other financial institutions that allowed unauthorized accounts to open in order to meet quotas or otherwise increase fees to the banks."]},"sort":[27.95018,"7761645"]},{"_index":"complaint-public-v1","_id":"17343080","_score":26.318382,"_source":{"product":"Credit card","complaint_what_happened":"I reported fraudulent charges totaling {$830.00} on my Bank of America credit card from XX/XX/year>. This occurred AFTER Bank of America flagged the charges as being suspicious and asked if I had approved them. I reported them as unauthorized, and the charges were removed from my statement. After this, Bank of America claimed that the charges were legitimate, despite my not being in the city where they occurred, and recharged me for the full amount. I locked down my card, have not used it at all, and paid the balance outside of the fraudulent charges. I then filed a report on the fraudulent activity. \n\nDespite providing comprehensive evidence, including a police report, location data proving I was in a different city during the transactions, and documented proof of simultaneous legitimate transactions elsewhere, Bank of America has denied my fraud claim XXXX times since XX/XX/year>. This has been a long and tedious battle, and I have worked with my local bankers, provided evidence, and continued to follow up. The most recent denial was for XX/XX/year>. \n\nPlease see the attached detailed reconsideration letter for complete documentation and evidence.","date_sent_to_company":"2025-11-19T03:10:19.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"98116","tags":null,"has_narrative":true,"complaint_id":"17343080","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-11-19T02:33:45.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I reported <em>fraudulent</em> charges totaling {$830.00} on my Bank of America credit card from XX/XX/year>. This <em>occurred</em> AFTER Bank of America <em>flagged</em> the charges as being suspicious and asked if I had approved them. I reported them as unauthorized, and the charges were removed from my statement. After this, Bank of America claimed that the charges were <em>legitimate</em>, despite my not being in the city where they <em>occurred</em>, and recharged me for the full amount."]},"sort":[26.318382,"17343080"]},{"_index":"complaint-public-v1","_id":"18700950","_score":25.134888,"_source":{"product":"Checking or savings account","complaint_what_happened":"On the morning of Friday, XX/XX/year>, I discovered multiple unauthorized debit card transactions posted to my Wells Fargo checking account. These transactions occurred within a short time window and included charges from merchants I did not recognize and did not authorize, including XXXX * XXXX ( XXXX  ) for {$1900.00}, multiple XXXX XXXX charges, and several XXXX transactions. \n\nThe transactions were completed using card-number entry ( card not present ), while my physical debit card remained in my possession at all times. I did not authorize, initiate, or benefit from these transactions, nor did I share my card number, CVV, or PIN with any third party. \n\nWells Fargos own fraud detection system immediately flagged this activity as suspicious and sent me an alert, prompting me to cancel my debit card and request a replacement, which I did immediately. This alert confirms that the activity was recognized by the banks systems as potentially fraudulent. \n\nUpon receiving the alert, I immediately called the customer service number on the back of my debit card to report the fraud. During the initial intake of my complaint, the Wells Fargo representative mistakenly included two legitimate transactions ( a XXXX purchase and an XXXX purchase ) that I had personally authorized the day before the fraud occurred. \n\nFor clarity : The XXXX transaction was completed in person using my PIN. \n\nThe XXXX  transaction was completed in person using my physical card. \n\nThese transactions were not part of the fraudulent activity and were later clarified during the dispute process. The actual fraudulent transactions occurred after these legitimate purchases and involved out-of-state merchants and card-not-present usage. \n\nWhile some smaller unauthorized charges were later reversed, Wells Fargo denied reimbursement for the largest fraudulent transactions, stating that the charges were verified as valid after contacting the merchant. I was not present for, nor involved in, any such verification, and Wells Fargo did not provide evidence that I authorized these transactions. \n\nThe bank proceeded to post the fraudulent charges to my account, substantially reducing my available balance and causing financial hardship. I believe Wells Fargo failed to conduct a reasonable investigation and improperly denied my claim despite clear indicators of debit card fraud, including rapid, high-value transactions, card-not-present usage, out-of-state merchants, and Wells Fargos own fraud alert and card cancellation process.","date_sent_to_company":"2026-01-14T00:27:04.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"89503","tags":null,"has_narrative":true,"complaint_id":"18700950","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-01-13T23:50:20.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Wells Fargos own <em>fraud</em> detection system immediately <em>flagged</em> this <em>activity</em> as suspicious and sent me an alert, prompting me to cancel my debit card and request a replacement, which I did immediately. This alert confirms that the <em>activity</em> was recognized by the banks systems as potentially <em>fraudulent</em>. \n\nUpon receiving the alert, I immediately called the customer service number on the back of my debit card to report the <em>fraud</em>."]},"sort":[25.134888,"18700950"]},{"_index":"complaint-public-v1","_id":"17069766","_score":24.77353,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint against my bank, Current, regarding their failure to detect, prevent, and properly investigate fraudulent transactions on my account. \n\nBetween XX/XX/year> and XX/XX/year>, there have been XXXX unauthorized transactions on my account, many of them occurring back-to-back in rapid succession. These transactions were not made or authorized by me. \n\nDespite the unusual and excessive activity, Current did not flag or block any of these transactions. I discovered the fraudulent activity myself after noticing multiple suspicious debits and immediately contacted the bank. \n\nI submitted disputes for all of the unauthorized transactions. However, I was shocked to receive a response from the bank less than 24 hours later, stating that at least one of the disputes was not considered fraud and that I would not receive a refund. This determination was made far too quickly to have been a legitimate or thorough investigation.\n\nUnder the Electronic Fund Transfer Act ( Regulation E ), my bank is required to investigate unauthorized electronic transactions and provisionally credit the account within ten business days. The banks response was dismissive, lacked transparency, and failed to comply with their legal obligations to investigate and protect consumers from fraud.","date_sent_to_company":"2025-11-06T20:07:23.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"01826","tags":null,"has_narrative":true,"complaint_id":"17069766","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FinCo Services Inc DBA Current","date_received":"2025-11-06T19:40:00.000Z","state":"MA","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I am filing this complaint against my bank, Current, regarding their failure to detect, prevent, and properly investigate <em>fraudulent</em> transactions on my account. \n\nBetween XX/XX/year> and XX/XX/year>, there have been XXXX unauthorized transactions on my account, many of them <em>occurring</em> back-to-back in rapid succession. These transactions were not made or authorized by me. \n\nDespite the unusual and excessive <em>activity</em>, Current did not <em>flag</em> or block any of these transactions."]},"sort":[24.77353,"17069766"]},{"_index":"complaint-public-v1","_id":"16718768","_score":24.23584,"_source":{"product":"Checking or savings account","complaint_what_happened":"I was the victim of a sophisticated phone scam in which an individual impersonated a Navy Federal Credit Union agent. The caller used Navy Federals real phone number ( spoofed ), followed standard verification procedures, and had detailed knowledge of my account and recent transactions, making the deception nearly indistinguishable from a legitimate call. The scammer also knew my full debit card number, expiration date, CVV, name, date of birth, address, last four of my Social Security number, and other personal details. This led me to believe I was speaking with an actual bank representative. As a result, fraudulent transactions occurred that were not detected or flagged by the bank. I am requesting stronger fraud-detection measures and improved consumer notifications for suspicious or out-of-state activity, as this impersonation mirrored official Navy Federal procedures and could easily deceive other members.","date_sent_to_company":"2025-10-21T16:38:08.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"778XX","tags":null,"has_narrative":true,"complaint_id":"16718768","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-10-21T16:17:49.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["As a result, <em>fraudulent</em> transactions <em>occurred</em> that were not detected or <em>flagged</em> by the bank. I am requesting stronger <em>fraud</em>-detection measures and improved consumer notifications for suspicious or out-of-state <em>activity</em>, as this impersonation mirrored official Navy Federal procedures and could easily deceive other members."]},"sort":[24.23584,"16718768"]},{"_index":"complaint-public-v1","_id":"16693685","_score":23.92923,"_source":{"product":"Credit card","complaint_what_happened":"In XX/XX/year>, my Apple Card account ( issued by Goldman Sachs ) was compromised after my phone and laptop were stolen while traveling abroad. Fraudulent charges appeared on my account, including {$1200.00}, {$92.00}, {$40.00}, {$29.00}, and others. I reported the fraud immediately. Apple/Goldman acknowledged the compromise, mailed me a replacement card, and applied provisional credits. \nDespite this, the fraudulent amounts were never permanently reversed. Instead, they remained on my balance, which caused me to exceed my credit limit and incur higher interest charges. Apple/Goldman later admitted that the merchants never provided evidence to support the charges, yet my disputes were still denied even after I submitted supporting proof. \nI provided evidence that : My phone was stolen ( confirmed by XXXX records showing I had to replace it ). \nThe thieves attempted to pay my Apple Card using my XXXX XXXX debit card ; XXXX flagged the fraud and reversed the payment while pending. \nApple blocked a legitimate purchase I made later at XXXX in XXXX, showing they could flag suspicious activity but failed to do so when thousands of dollars of fraud occurred abroad. \nBecause of Apple/Goldmans mishandling , my balance has been inflated for over a year. I have been charged hundreds of dollars in interest and fees on fraudulent charges, my account remains overutilized, and my credit score has been negatively impacted.","date_sent_to_company":"2025-10-21T01:21:23.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"94541","tags":null,"has_narrative":true,"complaint_id":"16693685","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2025-10-21T01:02:09.000Z","state":"CA","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["The thieves attempted to pay my Apple Card using my XXXX XXXX debit card ; XXXX <em>flagged</em> the <em>fraud</em> and reversed the payment while pending. \nApple blocked a <em>legitimate</em> purchase I made later at XXXX in XXXX, showing they could <em>flag</em> suspicious <em>activity</em> but failed to do so when thousands of dollars of <em>fraud</em> <em>occurred</em> abroad. \nBecause of Apple/Goldmans mishandling , my balance has been inflated for over a year."]},"sort":[23.92923,"16693685"]},{"_index":"complaint-public-v1","_id":"12303872","_score":22.976215,"_source":{"product":"Credit card","complaint_what_happened":"My Capital One credit card account has been locked for over a year due to alleged fraudulent activity. Despite multiple calls to customer service and the fraud department, I have not been provided with a clear explanation or a resolution. Each time I call, I am told to call back, but my issue remains unresolved. \n\nAdditionally, Capital One representatives are demanding that I provide bank statements for accounts I have never had access to and do not recognize. This is an unreasonable request, as I can not obtain documents for accounts that are not mine. \n\nWhat do you think the company did wrong? \nCapital One locked my account without a valid explanation and refuses to unlock it. \nThey are requesting bank statements for accounts I never used or had access to, making it impossible for me to resolve the issue. \nThey have failed to provide clear steps to verify my identity or dispute their fraud claim, leaving me unable to access my account for over a year. \nTheir customer service and fraud departments continuously redirect me without a solution. \n\nWhat would you like to see happen?\n\nI am requesting that Capital One : 1. Provide a written explanation of why my account was locked.\n\n2. Remove the fraud flag if no legitimate fraudulent activity has occurred.\n\n3. Offer a reasonable alternative for verifying my identity instead of requiring bank statements for accounts I do not have access to.\n\n4. Unlock my account or allow me to close it without a negative impact on my credit.","date_sent_to_company":"2025-03-05T06:04:52.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"89106","tags":null,"has_narrative":true,"complaint_id":"12303872","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-03-05T05:58:25.000Z","state":"NV","company_public_response":null,"sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["They have failed to provide clear steps to verify my identity or dispute their <em>fraud</em> claim, leaving me unable to access my account for over a year. \nTheir customer service and <em>fraud</em> departments continuously redirect me without a solution. \n\nWhat would you like to see happen?\n\nI am requesting that Capital One : 1. Provide a written explanation of why my account was locked.\n\n2. Remove the <em>fraud</em> <em>flag</em> if no <em>legitimate</em> <em>fraudulent</em> <em>activity</em> has <em>occurred</em>.\n\n3."]},"sort":[22.976215,"12303872"]},{"_index":"complaint-public-v1","_id":"12177934","_score":22.214651,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"am writing to formally file a complaint against Cash App regarding unauthorized transactions that occurred on my account on XX/XX/XXXX and XXXX, totaling {$5000.00}. I have never sent money to the individuals involved and was shocked to discover these transactions. Ive also uploaded documents that Shows, my history of what I send out and who I sent out to. The multiple attempts to send money to my account are a clear red flag, indicating suspicious activity and eagerness to access my funds. \n\nCash App claims that my claim was denied due to a PIN being used to authorize these transactions. However, I want to clarify that I did not have a PIN on my account prior to these unauthorized transactions. I only added a PIN after reporting the fraudulent activity, as instructed by a Cash App representative. Furthermore, I have verified that no PIN is currently active on my account, allowing me to send money without any prompt for authorization. \n\nDespite my efforts to explain this situation and provide relevant evidence, Cash App has denied my claim XXXX times, insisting that the transactions were legitimate based on the use of a PIN, which I contest. I have never sent such a large amount of money to anyone through Cash App before, nor have I ever reported fraud prior to this incident. \n\nAs a single mother facing financial difficulties, this situation has caused me significant distress. I urge your office to investigate this matter thoroughly, as I believe Cash App has not taken adequate responsibility for the fraud that has occurred on my account. \n\nThank you for your attention to this matter. I look forward to your assistance in resolving this issue.","date_sent_to_company":"2025-02-22T22:40:34.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"91764","tags":"Servicemember","has_narrative":true,"complaint_id":"12177934","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-02-22T22:11:39.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I only added a PIN after reporting the <em>fraudulent</em> <em>activity</em>, as instructed by a Cash App representative. Furthermore, I have verified that no PIN is currently active on my account, allowing me to send money without any prompt for authorization. \n\nDespite my efforts to explain this situation and provide relevant evidence, Cash App has denied my claim XXXX times, insisting that the transactions were <em>legitimate</em> based on the use of a PIN, which I contest."],"issue":["<em>Fraud</em> or scam"]},"sort":[22.214651,"12177934"]},{"_index":"complaint-public-v1","_id":"14156794","_score":22.136356,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Around XXXX years ago, my identity was stolen by my own son and his girlfriend. At the time, I had an account with XXXX, and they were able to access my personal information without my knowledge or consent. Using my identity, they took out loans totaling approximately {$60000.00}. \n\nNot only were these loans unauthorized, but my son also attempted to make payments using fraudulent checkschecks that the bank flagged and was aware were fake. Despite this clear red flag and all the surrounding suspicious activity, the bank still approved the loans and continued to process transactions under my name. \n\nI have done everything I possibly can to resolve this. I filed a police report, retained XXXX separate attorneys, and submitted extensive documentation showing clear evidence that I was not involved in any of these actions. Still, the bank refuses to acknowledge that I was a victim of fraud, and they are holding me fully responsible for the debts. \n\nIn addition to the loans, I still have about {$10000.00} in legitimate charges on my XXXX XXXX XXXX, which I had before any of this occurred. But Im now being pursued for the full amount, including the fraudulent loans that I had no part in authorizing. \n\nThis situation has been overwhelmingboth financially and emotionally. It is devastating to know that even with all the evidence Ive provided, I am still being punished for something I did not do. Im simply asking for someone to truly review the facts, consider the clear signs of fraudincluding the use of fake checksand recognize that I have been trying to make this right from the very beginning.","date_sent_to_company":"2025-06-18T15:18:38.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"97236","tags":null,"has_narrative":true,"complaint_id":"14156794","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-06-18T14:57:18.000Z","state":"OR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Still, the bank refuses to acknowledge that I was a victim of <em>fraud</em>, and they are holding me fully responsible for the debts. \n\nIn addition to the loans, I still have about {$10000.00} in <em>legitimate</em> charges on my XXXX XXXX XXXX, which I had before any of this <em>occurred</em>. But Im now being pursued for the full amount, including the <em>fraudulent</em> loans that I had no part in authorizing. \n\nThis situation has been overwhelmingboth financially and emotionally."]},"sort":[22.136356,"14156794"]},{"_index":"complaint-public-v1","_id":"10683144","_score":21.369453,"_source":{"product":"Credit card","complaint_what_happened":"To Whom It May Concern, I am writing to file a formal complaint against Citi for the unjustified closure of my Citi XXXX XXXX credit card account in XX/XX/XXXX. My account was closed by the bank, with the stated reason being \" fraud activity '' due to \" high spending '' within a single month. However, I believe this action was inappropriate and unjustified, as my spending activity was legitimate and aligned with the purpose of opening the card. \nThe spending flagged as fraudulent occurred during a recent family trip, where I used the card as intended to cover various travel-related expenses, including accommodations, dining, and entertainment. I opened this card with the specific intent to use it for family expenses and expected that such usage would be within the banks acceptable range, especially given my established credit history. \nWhen I contacted Citi regarding this issue, I explained the nature of these charges, but I was still informed that the account closure was final. This action has been highly inconvenient and disruptive, as I have been left without access to the card that I expected to use during my travels. \nI am requesting the CFPB to investigate this matter and urge Citi to reconsider their decision. This experience has caused significant frustration, and I am concerned about the impact of this action on my credit score.\n\nThank you for your attention to this matter. I look forward to a resolution that reinstates my account, gives back my ThankYou points or at least provides a satisfactory explanation.","date_sent_to_company":"2024-11-04T20:44:33.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"30080","tags":null,"has_narrative":true,"complaint_id":"10683144","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-11-04T20:16:10.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["My account was closed by the bank, with the stated reason being \" <em>fraud</em> <em>activity</em> '' due to \" high spending '' within a single month. However, I believe this action was inappropriate and unjustified, as my spending <em>activity</em> was <em>legitimate</em> and aligned with the purpose of opening the card. \nThe spending <em>flagged</em> as <em>fraudulent</em> <em>occurred</em> during a recent family trip, where I used the card as intended to cover various travel-related expenses, including accommodations, dining, and entertainment."]},"sort":[21.369453,"10683144"]},{"_index":"complaint-public-v1","_id":"12626503","_score":20.982975,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am submitting this complaint regarding a serious security failure at Navy Federal Bank, which led to unauthorized access to my checking account, the fraudulent withdrawal of my funds, and improper fees being charged to me.\n\nIncident Summary : On [ XX/XX/year> ], an unknown individual was able to walk into an NavyFederalBank branch in Florida and obtain a debit card linked to my account without my authorization. This person then proceeded to make an over-the-counter withdrawal of {$2100.00}, followed by multiple ATM inquiries before withdrawing all remaining funds from my account.\n\nI reside in Maryland, my account was opened in Maryland, and all my transactions are conducted in Maryland. I had no prior activity in Florida, yet NF Bank allowed this transaction to occur without notifying me or verifying my identity.\n\nTo add insult to injury, after my account was drained, NF Bank charged me an Oops fee because a legitimate transaction I had made was processed after my funds were fraudulently withdrawn.\n\nMajor Concerns & Failures by NF Bank : 1. Security Breach & Unauthorized Access How was someone able to obtain a debit card for my account without proper identity verification?\n\n2. Failure to Protect My Personal & Financial Information NF Banks security safeguards clearly failed, exposing my funds to fraud.\n\n3. Negligence in Fraud Prevention Despite clear red flags ( transactions happening in a different state without prior history ), NF Bank failed to block or flag these unauthorized transactions.\n\n4. Unfair Fee Charges The Oops fee should not have been charged as it resulted from NF Banks failure to secure my account.\n\n5. Emotional & Financial Distress This ordeal has caused me significant stress, frustration, and financial hardship, as I was left without access to my own money.","date_sent_to_company":"2025-03-25T14:03:21.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"20774","tags":null,"has_narrative":true,"complaint_id":"12626503","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-03-25T13:49:28.000Z","state":"MD","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I had no prior <em>activity</em> in Florida, yet NF Bank allowed this transaction to <em>occur</em> without notifying me or verifying my identity.\n\nTo add insult to injury, after my account was drained, NF Bank charged me an Oops fee because a <em>legitimate</em> transaction I had made was processed after my funds were <em>fraudulently</em> withdrawn.\n\nMajor Concerns & Failures by NF Bank : 1. Security Breach & Unauthorized Access How was someone able to obtain a debit card for my account without proper identity verification?\n\n2."]},"sort":[20.982975,"12626503"]},{"_index":"complaint-public-v1","_id":"21719928","_score":20.907856,"_source":{"product":"Credit card","complaint_what_happened":"Consumer Financial Protection Bureau Complaint Company : Wells Fargo Bank , N.A .\n\nProduct : Credit Card Issue : Billing Dispute / Fraud / Identity Theft Total Amount in Dispute : {$3400.00} ( 7 transactions of {$490.00} each ) Date of Transactions : XX/XX/year> ( approximately XXXX XXXX XXXX ) Complaint Summary : I am filing this complaint regarding Wells Fargos improper denial and handling of my fraud claim involving seven unauthorized credit card transactions totaling {$3400.00}.\n\nThese transactions were the result of a phishing and impersonation scam in which I was deceived into providing my personal and financial information under false pretenses. I did not knowingly authorize cryptocurrency purchases or intend to transact with XXXX XXXX. \n\n\nDescription of Fraudulent Incident : On XX/XX/year>, I was contacted by an individual impersonating XXXX support. I was falsely told that my listings were restricted and needed to be verified. I was directed to a fraudulent website ( XXXX ) designed to mimic a legitimate XXXX service. \n\nDuring this interaction, I was instructed to enter sensitive personal information, including my name, Social Security number, and credit card details, and to respond to SMS verification prompts. \n\nI reasonably believed I was completing a legitimate verification process. I did not understand that I was authorizing financial transactions or cryptocurrency purchases. \n\n\nDetails of the Unauthorized Transactions : * Seven transactions of {$490.00} each were processed on XX/XX/year> * Transactions were used to purchase cryptocurrency through XXXX XXXX * The account used to conduct these transactions was not mine * The transactions were associated with the email address * * [ XXXX ] ( XXXX : XXXX ) * *, which I do not own or control * Although my phone number was used during the process, this occurred while I was being actively deceived as part of the phishing attack * Funds were rapidly converted to cryptocurrency and transferred to an external wallet outside my control Wells Fargos Handling of My Claim : Wells Fargos handling of this matter has been inconsistent and confusing : * The transactions were initially flagged and treated as fraudulent * I was instructed to reopen the claim under a different category ( services not received ) for two of the transactions * I followed this instruction in good faith * Wells Fargo then denied those claims, stating that the services were provided and accepted * Wells Fargo refused to allow me to dispute the remaining five transactions entirely This sequence demonstrates that Wells Fargo did not consistently evaluate the transactions as fraud and instead redirected the claim into an inappropriate dispute category, leading to denial.\n\nResponse to Wells Fargos Determination That Transactions Were Authorized : Wells Fargo has stated that the transactions were not fraudulent because I approved them. This conclusion is incorrect and fails to consider the circumstances under which any approval occurred.\n\nAny actions I took, including responding to SMS verification prompts, occurred while I was being actively deceived during a phishing and impersonation scam. I reasonably believed I was interacting with a legitimate XXXX verification process and did not understand that I was authorizing financial transactions or cryptocurrency purchases.\n\nApproval obtained under deception, misrepresentation, or impersonation does not constitute valid authorization. I did not knowingly consent to these transactions, nor did I intend to engage in cryptocurrency purchases or transfers.\n\nWells Fargos determination improperly treats fraud-induced activity as legitimate authorization and fails to account for the realities of social engineering attacks.\n\n1. Fraud-Induced Authorization Is Not Valid Authorization Any apparent authorization was obtained through deception and does not represent informed or intentional consent.\n\n2.Transactions Were Conducted Through an Account Not Owned by Me The transactions were executed through an account associated with an email address that is not mine ( * * [ XXXX ] * * ). Wells Fargo has not demonstrated that I created, owned, or controlled this account.\n\n3.Use of My Phone Number Does Not Establish Authorization My phone number was used only because I was actively being deceived during the phishing attack. This does not establish that I knowingly authorized the transactions.\n\n4. Evidence Reflects Fraud Pattern, Not Legitimate Activity Wells Fargos own documentation shows : * Account activity occurring within minutes of identity verification * Immediate purchase and withdrawal of cryptocurrency * Transfer of funds to an external blockchain wallet This is consistent with fraud, not normal consumer behavior.\n\n5. Overreliance on IP Address Is Insufficient Use of a local IP address does not establish legitimate authorization in cases involving phishing or social engineering.\n\n6. Refusal to Accept Disputes for Remaining Transactions Wells Fargo refused to allow me to dispute five of the seven transactions, preventing a full investigation and denying me the opportunity to provide supporting documentation.\n\nActions I Took : * Reported the fraud immediately upon discovery * Cancelled my card * Filed a fraud claim promptly * Secured my accounts Conclusion : This case involves clear phishing, impersonation, and identity theft. Wells Fargos inconsistent handling of my claim, improper categorization of the dispute, and failure to investigate all related transactions resulted in an unfair denial and improper assignment of liability.\n\nI respectfully request CFPB intervention to ensure a fair resolution. \n\n\n* * Attachments : * * * Wells Fargo denial letters dated XX/XX/year> * Supporting transaction documentation * Evidence of phishing scam ( screenshots and fraudulent website )","date_sent_to_company":"2026-04-29T19:27:20.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"90815","tags":null,"has_narrative":true,"complaint_id":"21719928","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-04-29T18:55:11.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Evidence Reflects <em>Fraud</em> Pattern, Not <em>Legitimate</em> <em>Activity</em> Wells Fargos own documentation shows : * Account <em>activity</em> <em>occurring</em> within minutes of identity verification * Immediate purchase and withdrawal of cryptocurrency * Transfer of funds to an external blockchain wallet This is consistent with <em>fraud</em>, not normal consumer behavior.\n\n5."]},"sort":[20.907856,"21719928"]},{"_index":"complaint-public-v1","_id":"21144388","_score":20.786608,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, I was the victim of a highly sophisticated impersonation scam involving my daughter. The scammers used what appeared to be my daughters voice crying and screaming, which caused me to believe she had been kidnapped and was in immediate danger. \n\nUnder extreme emotional distress and fear for my daughters safety, I was instructed by the scammers to send money through money transfer services. Believing this was necessary to protect her from harm, I completed multiple transactions totaling approximately {$2000.00}. \n\nThe transactions were conducted at local retailers using money transfer services ( including XXXX and XXXX XXXX ). Two of the transfers were picked up by the scammers before I realized the situation was fraudulent. Other transactions were successfully canceled or refunded once I became aware of the scam. \n\nImmediately after realizing the fraud, I contacted Wells Fargo to report the incident and requested reimbursement. Despite the clear circumstances of coercion, fraud, and duress, Wells Fargo denied my claim, stating that the transactions were authorized. \n\nI believe Wells Fargo failed to adequately protect me as a consumer by not identifying or flagging these highly unusual and suspicious transactions, which were inconsistent with my normal banking behavior and involved rapid, high-risk money transfers. \n\nAdditionally, I requested a detailed explanation of their investigation and decision-making process, but did not receive a sufficient or meaningful response. \n\nI am requesting that Wells Fargo reconsider my claim, conduct a thorough and fair investigation, and reimburse the funds lost as a result of this fraud. These transactions occurred under coercion and should not be treated as legitimate authorized activity.","date_sent_to_company":"2026-04-10T21:11:32.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"89129","tags":"Servicemember","has_narrative":true,"complaint_id":"21144388","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-04-10T20:57:07.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I am requesting that Wells Fargo reconsider my claim, conduct a thorough and fair investigation, and reimburse the funds lost as a result of this <em>fraud</em>. These transactions <em>occurred</em> under coercion and should not be treated as <em>legitimate</em> authorized <em>activity</em>."]},"sort":[20.786608,"21144388"]},{"_index":"complaint-public-v1","_id":"17835708","_score":20.696362,"_source":{"product":"Credit card","complaint_what_happened":"To the Consumer Financial Protection Bureau, I am filing this complaint regarding Bank of Americas improper denial of my credit card fraud claim. The bank has denied my claim for an unauthorized transaction that occurred in XXXX, Pennsylvania, despite clear and compelling evidence that I was not in that location at the time and could not have made the purchase. \nDetails of the Fraudulent Charge : On XX/XX/XXXX, an unauthorized transaction was processed in XXXX, PA. I immediately contacted Bank of America that same day, XX/XX/XXXX, to report the fraud and cancel my card. Despite taking prompt action, the bank denied my claim. \nEvidence Proving the Charge Was Fraudulent : I was in XXXX XXXX XXXXnot XXXXwhen the transaction occurred. \nI have verifiable evidence showing that I attended a scheduled workout class in XXXX and made a separate transaction on another credit card in XXXX around the same timeframe. These records prove I could not have been in XXXX, PA. \nAll my legitimate activity that day occurred in XXXX. \nThe XXXX, PA charge was the only transaction outside of New York. This should have triggered a clear fraud red flag. \nMy physical card was in my possession. \nI did not give my credit card to anyone at any time. Bank of America claims the card wasnt present for the Pennsylvania transaction, but this is impossible because I had the card with me in XXXX. This indicates the merchant either manually keyed the card number or processed it incorrectlysomething Bank of America failed to investigate. \nConcerns With Bank of Americas Handling of My Case : After my initial report on XX/XX/XXXX, I called Bank of America again after receiving the denial to provide additional information. \nMost recently, on XX/XX/XXXX, I called again for an update and to supply further details. Multiple agents reviewed the evidence and told me I had a strong case and that the denial appeared to be in error. \nHowever, during my call today, I was informed that it is highly likely the claim will be denied again despite the clear proof and despite earlier representatives acknowledging the legitimacy of my dispute. \nBank of Americas inconsistent handling, contradictory explanations, and failure to properly investigate raises serious concerns about their fraud review process and adherence to consumer protection standards. \nRequested Resolution : I am requesting that the CFPB require Bank of America to : Reopen and properly investigate my fraud claim Reverse the unauthorized charge Confirm that I will not be held responsible for a transaction I did not authorize and could not have made Thank you for your assistance in resolving this matter. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-11-24T23:52:38.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"17835708","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-11-24T23:39:15.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["All my <em>legitimate</em> <em>activity</em> that day <em>occurred</em> in XXXX. \nThe XXXX, PA charge was the only transaction outside of New York. This should have triggered a clear <em>fraud</em> red <em>flag</em>. \nMy physical card was in my possession. \nI did not give my credit card to anyone at any time. Bank of America claims the card wasnt present for the Pennsylvania transaction, but this is impossible because I had the card with me in XXXX."]},"sort":[20.696362,"17835708"]},{"_index":"complaint-public-v1","_id":"20812773","_score":20.686428,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/year>, XXXX unauthorized charges of {$99.00} each were made on my credit card for XXXX purchases through XXXX within approximately XXXX minutes. During these transactions, Barclays flagged the activity as potential fraud and sent me an alert. I contacted Barclays the same day and reported that I did not recognize the charges, and my card was cancelled. \n\nThe charges were initially credited back to my account. However, the credits were later reversed after the bank determined the transactions were not fraudulent based on information indicating they came from my account. \n\nBarclays denied my claim stating that the transactions appeared legitimate because they were made from my account, with my name and card information. However, this does not address unauthorized access. In cases of account takeover, fraudulent transactions will appear to come from the legitimate account. \n\nAfter further investigation, I determined that my boyfriends email account had been compromised, and our XXXX accounts are linked. This resulted in unauthorized access to my account and use of my stored payment method without my permission. \n\nI also contacted XXXX and submitted an account recovery request. I was informed that they did not detect a compromise on my specific account. However, my boyfriends email account was compromised at the same time, and our XXXX accounts are linked. It appears that unauthorized access occurred through his account, which then allowed access to my linked account and stored payment method. This explains why the transactions appear to come from my account, even though I did not authorize them. \n\nI attempted to contact XXXX as instructed by Barclays, but I was unable to reach support by phone and their website directs unauthorized charge disputes back to the financial institution. \n\nI requested proof that I made the purchases and information showing how XXXX responded to the claim and what evidence was used to determine the transactions were authorized, but I have not received that documentation. \n\nThe transaction pattern ( multiple identical high-value purchases within minutes ), along with Barclays own fraud alert during the transactions, indicates activity consistent with account takeover and not normal authorized use. \n\nI am requesting that Barclays properly investigate these transactions as unauthorized charges due to account compromise and remove the charges and any associated interest from my account.","date_sent_to_company":"2026-03-31T17:07:53.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"95336","tags":null,"has_narrative":true,"complaint_id":"20812773","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2026-03-31T16:44:53.000Z","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":["During these transactions, Barclays <em>flagged</em> the <em>activity</em> as potential <em>fraud</em> and sent me an alert. I contacted Barclays the same day and reported that I did not recognize the charges, and my card was cancelled. \n\nThe charges were initially credited back to my account. However, the credits were later reversed after the bank determined the transactions were not <em>fraudulent</em> based on information indicating they came from my account."]},"sort":[20.686428,"20812773"]},{"_index":"complaint-public-v1","_id":"15103497","_score":20.563736,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX, I deposited a {$2000.00} check into my Simmons Bank account ending in XXXX. The check was a legitimate distribution from my XXXX XXXX ( b ) XXXX  account, and I received a Delayed Availability Notice stating the funds would be released on XX/XX/XXXX. I also proactively agreedbefore even arriving at the bankto pay {$270.00} toward a prior Simmons Bank charge-off account. I confirmed this over the phone and again in person when I arrived to make the deposit. \n\nAt the branch, the staff acknowledged my call, accepted the check, and applied {$270.00} into my current account with the understanding it would be used toward the charge-off once the hold lifted. At no point during that in-person transaction was I told the deposit would be flagged or delayed beyond the date listed on the availability notice. \n\nOn XX/XX/XXXX, I received a phone call from a Simmons Bank employee asking follow-up questions about the check. I clearly stated it was a retirement distribution from XXXX and answered all questions, even though the issuer and check type were clearly printed on the check. I was not told at that time that the check had been flagged for fraud or that the deposit would be delayed. \n\nOn XX/XX/XXXX, XXXXthe date listed on the availability noticeI called the bank at XXXX XXXX  to ask why the funds had not been released. I was told the account officer would call me back. She never did. I called again at XXXX XXXX  to follow up and was toldfor the first timethat the deposit had been flagged for fraud and that my funds would not be released anytime soon. I asked to speak with a supervisor, who told me she would directly contact the fraud department for more information and return my call. That return call never came.\n\nAt that point, I submitted a secure message through Simmons Banks online portal and sent a formal email to customer service explaining the situation, expressing my frustration, and attaching documentation. I also made it clear that I intended to file a formal complaint. \n\nOnly after those messages did someone from the local branch finally call me back around XXXX XXXX. During that call, the representative claimed we had spoken on Friday and that she told me fraud had questions about the check. I corrected heryes, she called and asked questions, but she never told me the deposit was being flagged or delayed, nor did she mention a fraud alert at that time. \n\nShe then told me the reason for the hold was that my check was flagged for fraud due to an old charge-off account, and that because I had that charge-off, my current account should never have been opened. That is unacceptable. Simmons Bank approved a joint account with my father two years ago, well after the charge-off occurred. If the bank had internal policies against opening accounts for customers with prior charge-offs, they had the opportunity to enforce that at the timenot use it as a retroactive justification to block access to my own legitimate funds.\n\nAdditionally, during the same call, she admitted that fraud was preparing to lift the hold and just wanted confirmation that I planned to pay something toward the charge-off. I reiteratedagainthat I had already agreed to that and had in fact already paid {$270.00} toward the charge-off, both as agreed by phone and confirmed in person at the time of deposit. \n\nAs of today, my funds still have not been released, despite : Full cooperation from me from the beginning A proactive payment toward the charge-off A legal Delayed Availability Notice promising access on XX/XX/XXXX This situation has caused serious personal and financial hardship. I was unable to pay my sons childcare on time. I had to borrow money from a family member to retrieve my car from the repair shop, which is what the 403 ( b ) withdrawal was intended to cover. I have been given the runaround, misinformed, and blamed for a situation the bank created and enabled by approving the account XXXX years ago. \n\nFurthermore, between XX/XX/XXXX, and XX/XX/XXXX, my father made small direct deposits of {$10.00} into this same account on a weekly basis, and Simmons Bank accepted those deposits without any issue. If the bank believed my account should never have been opened due to a prior charge-off, why were these deposits permitted for over a year and a half? It seems Simmons Bank had no problem accepting small, recurring paymentsbut chose to flag and withhold a larger, legitimate deposit from a verified retirement account. This raises concerns about selective enforcement, poor internal controls, and inconsistent treatment of account holders.\n\nWhat I Want : 1. A formal acknowledgment that Simmons Bank mishandled my deposit and failed to issue proper updated hold notices or communication.\n\n2. A review of the misuse of the term fraud in this context, as no fraudulent activity occurred.\n\n3. A written explanation for why the bank knowingly opened ( and maintained ) my account, accepted a deposit, and then used a prior charge-off as retroactive justification for a fraud flag.\n\n4. Compensation for the financial hardship this delay causedincluding my missed childcare payment and emergency borrowing to retrieve my car.\n\n5. I will be closing my account with Simmons Bank once this matter is resolved.","date_sent_to_company":"2025-08-05T11:52:41.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"716XX","tags":null,"has_narrative":true,"complaint_id":"15103497","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SIMMONS FIRST NATIONAL CORPORATION","date_received":"2025-08-05T11:42:17.000Z","state":"AR","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["A review of the misuse of the term <em>fraud</em> in this context, as no <em>fraudulent</em> <em>activity</em> <em>occurred</em>.\n\n3. A written explanation for why the bank knowingly opened ( and maintained ) my account, accepted a deposit, and then used a prior charge-off as retroactive justification for a <em>fraud</em> <em>flag</em>.\n\n4. Compensation for the financial hardship this delay causedincluding my missed childcare payment and emergency borrowing to retrieve my car.\n\n5."]},"sort":[20.563736,"15103497"]},{"_index":"complaint-public-v1","_id":"4602374","_score":20.416763,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"1. On XX/XX/2021, I was on vacation in XXXX, XXXX with my sister, shopping in the XXXX XXXX. At XXXX EST, I received a call from Barclays that an authorization for {$4300.00} had been flagged as fraud. I told the representative that I did not make the purchase. He said he would flag the charge as fraud and issue me a new card. \n\n2. On Friday, XX/XX/2021, I received a letter from Barclays saying they had completed an investigation and found the activity valid. I contacted Barclays Fraud on Monday morning, XX/XX/XXXX to contest the findings. I was told the activity was valid simply \" because the chip from the card was used at time a purchase. '' There was no further investigation conducted by Barclays. \n\n3. I reiterated that the charge was fraudulent and wanted my continued dispute annotated in my complaint. I requested the merchant name, type of business, address and phone number from Barclays. First, I had never heard of the merchant. Second, the merchant was described as retail. \n\nIn my own investigation, the number provided by Barclays was not retail, but linked to the XXXX XXXX of the XXXXXXXX XXXX XXXXXXXX XXXX. When I contacted the merchant, the employee said that the library does not conduct sales. \n\nWhen I XXXX  the address provided by Barclays, it was in an area of XXXX I had not visited. In fact, at the time of the transition, I was 6-8 blocks away from the supposed point-of-transaction. I have a statement indicating I was at a different shop at the time of purchase, and could not have been in the location of the merchant. Furthermore, the phone number did not match the merchant based on the address provided by Barclays. How can a consumer be expected to investigate their own claim, when the card issuer provides poor, erroneous, or unverified information to the consumer -- then makes the consumer try and put the pieces together. \n\n4. On XX/XX/2021, I sent a letter to Barclays outlining what I had discovered. After seven days I had still received no response from Barclays. \n\n5. On XX/XX/2021, I contacted Barclays. The fraud associate reiterated that Barclays found the activity valid and I was responsible for the charge. There was no mention of the follow-up material I sent for review. After 20 minutes on the call, the associate finally relented to forward the information I sent for a higher-level review. When I highlighted the discrepancies in the information provided to me by Barclays the associate expressed a number of excuses as to why the information did not match, but reiterated, because a chip was used, the charge was valid and I responsible for the amount, including interest, late fees and charges. Frankly, I should NOT be liable for any of the aforementioned charges as long as the dispute is ongoing. Furthermore, Barclays has shrugged off it's responsibility to provide a accurate and legitimate business name, contact number and address of the point-of-sale/transaction. \n\n6. During my call with Barclays on XX/XX/2021, I asked that they request from the merchant and provide a receipt of the transaction. The associate said \" no '' and that they were not required to do so for fraud. However, if I wanted to change my claim from fraud to a dispute, the dispute resolution department \" may '' ( not that they will ) be able to obtain a receipt of the transaction. However, if I changed from fraud to a dispute, I would thus be admitting the transition was mine. Furthermore, I could not later claim fraud. While I expect due diligence in respect to Barclays conducting an investigation, the company provides so many barriers for me to conduct an investigation, it's frankly impossible to do so, especially when provided erroneous information n the merchant. \n\n-- I am adamant that the amount of {$4300.00} is a fraudulent charge. \n-- I have a statement that I was in a different shop at the time of the Barclays call and fraud occurrence, based on information provided by Barclays. \n-- A consumer can not be reasonable expected to conduct an investigation, in a foreign country, with poor, incorrect and/or erroneous information from the card issuer. \n-- Simply because a chip was used does not mean the charge is valid. A number of recent reports and studies have indicated how a chip can be duplicated. \n-- Refusing to contact the merchant and provide a sales receipt is disingenuous. \n-- While the dispute is ongoing, the charge should be removed from my credit card, including interest and fees. \n-- Finally, when Barclays called me about the fraudulent charge ( at the exact time the fraud occurred ), why was it not blocked? When I said the charge was fraudulent, why was the authorization not cancelled? My experience with XXXX and XXXX XXXX, is when a charge is flagged as fraud, the charge is denied until the consumer either confirms via text, app, web or call. It seems counterproductive to call when a charge is flagged and then allow the authorization to proceed to a final sale/transaction. Especially, when the highest purchase on the card had only been {$200.00} ... {$200.00} to {$4300.00} is a obviously a red flag.","date_sent_to_company":"2021-08-04T18:07:04.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"20011","tags":"Servicemember","has_narrative":true,"complaint_id":"4602374","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2021-08-04T17:21:56.000Z","state":"DC","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":[". \n-- Finally, when Barclays called me about the <em>fraudulent</em> charge ( at the exact time the <em>fraud</em> <em>occurred</em> ), why was it not blocked? When I said the charge was <em>fraudulent</em>, why was the authorization not cancelled? My experience with XXXX and XXXX XXXX, is when a charge is <em>flagged</em> as <em>fraud</em>, the charge is denied until the consumer either confirms via text, app, web or call."]},"sort":[20.416763,"4602374"]},{"_index":"complaint-public-v1","_id":"14953378","_score":20.256994,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am a small business owner, and I recently created a Square account to begin accepting payments. My name is XXXX XXXX XXXX, and I launched my business just days ago. On my second day of sales, my Square account was suddenly XXXX during active transactions, and I received no clear reason why. \n\nI believe the account may have been flagged because a client used prepaid cards to pay me. While I understand Square is cautious about fraud, I want to be clear : these were legitimate transactions, not suspicious activity. I had no intent to violate any terms, and I had only just started using the platform. \n\nThis unexpected account closure has been extremely damaging. I relied on Square to process payments and run my new business, and now Ive lost access to essential services without any way to operate or recover my sales. \n\nIve already reached out to Square support, and Ive filed a XXXX  complaint, but I havent received a helpful response. Im asking the CFPB to help me request : A manual review of my account Reinstatement if no actual violations occurred The release of any held funds if applicable Ive done nothing fraudulent or abusiveIm simply trying to run my business, and I would deeply appreciate the opportunity to resolve this and get back to work. \n\nThank you for your time and help. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-07-29T16:33:53.000Z","issue":"Managing, opening, or closing your mobile wallet account","sub_product":"Mobile or digital wallet","zip_code":"53405","tags":null,"has_narrative":true,"complaint_id":"14953378","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-07-29T16:22:50.000Z","state":"WI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I believe the account may have been <em>flagged</em> because a client used prepaid cards to pay me. While I understand Square is cautious about <em>fraud</em>, I want to be clear : these were <em>legitimate</em> transactions, not suspicious <em>activity</em>. I had no intent to violate any terms, and I had only just started using the platform. \n\nThis unexpected account closure has been extremely damaging."]},"sort":[20.256994,"14953378"]},{"_index":"complaint-public-v1","_id":"17454722","_score":20.197071,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a complaint regarding how Bank of America is handling the pending closure of my bank accounts following a scam in which I was the victim. Fraudulent checks were deposited into my accounts, and I unknowingly forwarded the funds believing I was participating in a legitimate transaction. I received no financial gain from this activity. I have documented the incident with law enforcement and filed a police report ( Report # : XXXX, Date : XXXX ). \n\nWhen I contacted Bank of Americas Fraud/Electronic Claims department , I was told that my accounts are flagged as a scam situation and that I do not owe overdraft or reimbursement to the bank. However, despite acknowledging the situation as fraud, the bank could not confirm whether negative reporting to XXXX  or XXXX XXXX XXXX will be submitted after the account closure process completes. I have also not received any written determination, explanation, or documentation acknowledging that I am a fraud victim. \n\nBecause the accounts are still active but under forced closure, I am in a difficult position. Without clarification or written confirmation, I may face future financial barriers, including being denied access to banking services, which is particularly harmful given that I did not intentionally or knowingly participate in fraudulent activity. \n\nI received a notice of the checks XXXX in which after I contacted law enforcement. The date on the notice is XXXX, in which is shows XXXX checks with a forgery return reason. Saturday XXXX, I received XXXX more notices, in XXXX notice had XXXX checks, in which unknowingly were fraudulent. The other notice had a check I did not deposit. I did not get a notice my bank accounts are going to be closed, and when speaking about that with the electronic claims/fraud claim, they woman speaking told me the bank does not normally sent notices. \n\nI am requesting CFPB assistance to ensure Bank of America : - Completes a full review acknowledging that I am a fraud victim. - Provides written confirmation that I am not liable and no negative reporting will be made. - Ensures no XXXX  or XXXX  reporting occurs unless and until the case is fully reviewed and resolved. - Provides transparency in the account-closure process and my rights as a fraud victim. Thank you for reviewing my complaint and helping protect my financial access and consumer rights.","date_sent_to_company":"2025-11-23T19:09:04.000Z","issue":"Problem caused by your funds being low","sub_product":"Other banking product or service","zip_code":"77015","tags":null,"has_narrative":true,"complaint_id":"17454722","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-11-23T18:45:04.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Bounced checks or returned payments"},"highlight":{"complaint_what_happened":["<em>Fraudulent</em> checks were deposited into my accounts, and I unknowingly forwarded the funds believing I was participating in a <em>legitimate</em> transaction. I received no financial gain from this <em>activity</em>. I have documented the incident with law enforcement and filed a police report ( Report # : XXXX, Date : XXXX )."]},"sort":[20.197071,"17454722"]},{"_index":"complaint-public-v1","_id":"20286420","_score":20.122559,"_source":{"product":"Checking or savings account","complaint_what_happened":"I dispute XXXX XXXX conclusion and request full reconsideration of my fraud claim. Your response fails to address a critical issue. The fraud began with a phone call from a Wells Fargo phone number. \n\nOn XX/XX/year>, I received a call which displayed a Wells Fargo number. The caller presented himself as a Wells Fargo representative and stated my account faced fraudulent activity. The caller already possessed information about my accounts and used language consistent with Wells Fargo fraud alerts. Based on the displayed Wells Fargo number and the callers knowledge of my accounts, I believed I spoke with a legitimate Wells Fargo employee. \n\nWhile on the phone, the individual instructed me through several actions. During this time, a credit card cash advance occurred, funds moved between my Wells Fargo accounts, and large transfers followed. These transactions totaled {$18000.00}. The fraudster also altered transfer limits on my account. These actions occurred while I remained on the phone with the individual who contacted me from a Wells Fargo number. \n\nWells Fargo now claims I received the benefit of the funds because money moved between accounts in my name. This conclusion ignores the core issue. The transactions occurred under the direction of a person who contacted me from a Wells Fargo number and represented himself as Wells Fargo fraud prevention. I did not initiate this contact. The contact originated from what appeared to be Wells Fargo. \n\nWells Fargo also sent an email alert during the incident. I did not see this alert because I remained on the phone with the individual impersonating Wells Fargo at that exact time. Wells Fargo allowed the transactions to proceed even though your systems detected unusual activity. \n\nWells Fargo publicly states the bank uses advanced fraud monitoring, risk evaluation, and real time systems designed to detect unusual activity and block suspicious transactions. This incident involved a large credit card cash advance, rapid internal transfers, and changes to transfer limits. These actions occurred within minutes. Your systems should have flagged and stopped these events. \n\nYour decision letter also fails to address the possibility of internal compromise or spoofing involving a Wells Fargo phone number. A call originating from or appearing to originate from a Wells Fargo number carries significant authority with customers. When a customer receives such a call and the caller demonstrates knowledge of account details, the customer reasonably believes the communication comes from the bank. \n\nWells Fargo has also failed to acknowledge that my account security was compromised. The fraudster accessed my accounts, changed transfer limits, advanced funds from a credit card, and moved money while impersonating Wells Fargo. These actions represent unauthorized account access and social engineering conducted through a Wells Fargo phone number. \n\nYour conclusion focuses only on the location of the funds after the transactions. It does not address the fraudulent method used to gain access and initiate those transactions. \n\nI request Wells Fargo reopen the investigation and review the following issues : The incoming phone call which displayed a Wells Fargo phone number Call records tied to Wells Fargo fraud or customer service lines System logs showing changes to transfer limits on my account Login locations, IP addresses, and authentication events during the incident The rapid sequence of credit card cash advance and internal transfers Why Wells Fargo fraud monitoring systems failed to block these transactions This case involves impersonation using a Wells Fargo phone number and unauthorized manipulation of my accounts. The investigation must address how this occurred. \n\nI request Wells Fargo reopen the claim and conduct a full fraud investigation. I also request written explanation addressing the phone call from a Wells Fargo number and the failure of fraud controls during this incident.","date_sent_to_company":"2026-03-16T02:56:05.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"23111","tags":"Servicemember","has_narrative":true,"complaint_id":"20286420","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-03-16T02:51:45.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Wells Fargo allowed the transactions to proceed even though your systems detected unusual <em>activity</em>. \n\nWells Fargo publicly states the bank uses advanced <em>fraud</em> monitoring, risk evaluation, and real time systems designed to detect unusual <em>activity</em> and block suspicious transactions. This incident involved a large credit card cash advance, rapid internal transfers, and changes to transfer limits. These actions <em>occurred</em> within minutes. Your systems should have <em>flagged</em> and stopped these events."]},"sort":[20.122559,"20286420"]},{"_index":"complaint-public-v1","_id":"14907437","_score":20.119432,"_source":{"product":"Checking or savings account","complaint_what_happened":"While I was at work, my debit card was used online on XXXX website, and appears to have been used in person in another state as well. Charges within XXXX hours exceeded {$3500.00}. When I later realized this had happened, I immediately reported it, closed the card, and reported the theft to federal authorities and filed fraud report with bank. Within XXXX hours XXXX XXXX closed this fraud claim stating they had completed a thorough investigation and determined the charges were legitimate. These charges were dozens back to back in same amount to same website, with no flagging, verification, or other due diligence. I am a XXXX  and was working a XXXX hour shift, I had NO idea my account was being drained. I have been a customer in good standing for years and this activity is extremely out of the ordinary for my account. I requested information on their under XXXX hour thorough investigation that led them to determine no fraud occurred and not even provisionally credit the over {$3500.00} stolen from my account in XXXX day. The charges were blatantly fraudulent, XXXX after another in same amount. I asked for the results and details of this investigation and was told in writing they do not provide their proprietary investigation methods but that I could appeal their decision and provide them with my own proof that they missed something. Meanwhile, I havent had ANY of these fraudulent charges reversed, and REAL bills are due. For a credit union claiming our members are the mission they immediately sided with the criminal who depleted my account and left their veteran member to fight them for the legally due return of my hard earned money. I am disgusted and disappointed. Will NEVER do business with NFCU again once this is over, and caution every other veteran. Your money is NOT safe at XXXX XXXX.","date_sent_to_company":"2025-07-28T01:09:37.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"300XX","tags":"Servicemember","has_narrative":true,"complaint_id":"14907437","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-07-28T00:43:42.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I have been a customer in good standing for years and this <em>activity</em> is extremely out of the ordinary for my account. I requested information on their under XXXX hour thorough investigation that led them to determine no <em>fraud</em> <em>occurred</em> and not even provisionally credit the over {$3500.00} stolen from my account in XXXX day. The charges were blatantly <em>fraudulent</em>, XXXX after another in same amount."]},"sort":[20.119432,"14907437"]},{"_index":"complaint-public-v1","_id":"20067709","_score":19.659073,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Complaint Against : JPMorgan Chase Bank Date of Incident : XX/XX/year> Total Amount Lost : {$15000.00} Description of Incident On XX/XX/year>, I was the victim of a sophisticated bank impersonation scam in which the caller ID displayed as Chase Bank. The caller claimed to be a Chase fraud specialist and told me my account was under active attack. \n\nBecause the call appeared to originate from Chase and the caller provided detailed information about fraud activity, I believed I was speaking with a legitimate Chase representative. \n\nThe caller instructed me to move my funds to a secure internal Chase account to temporarily safeguard them while the fraud investigation was completed. I was told the funds would be returned to my account shortly. \n\nWhile under this belief, I completed the following transactions : {$1900.00} sent via XXXX {$3400.00} sent via XXXX Pay {$10000.00} transferred at approximately XXXX AM from my Chase account to another Chase account while I was physically present inside a Chase branch in XXXX XXXX, New York The {$10000.00} transfer was from my Chase account to another account within the Chase banking system, which the caller represented as a secure internal account. \n\nImmediate Fraud Reporting At approximately XXXX PM the same day, after realizing the funds had not been returned to my account as promised, I immediately suspected fraud and contacted Chase using the phone number printed on the back of my debit card. \n\nBecause this occurred on a Saturday, I reached Chases weekend customer service team, who confirmed that this appeared to be a scam. \n\nThat same day I opened fraud claims with Chase for the XXXX and XXXX XXXX transactions. \n\nHowever, I was informed by Chase that I could not file a fraud claim for the {$10000.00} Chase-to-Chase transfer over the phone and that I would need to visit a branch on Monday. \n\nConcerned about the delay, I called Chase again on Sunday, XX/XX/year>2026 and spoke with the fraud department, who then allowed me to file a claim for the {$10000.00} transfer. This confirmed that the initial information I received on Saturday was INCORRECT. \n\nBecause of this incorrect guidance, there was a delay in formally flagging the fraudulent receiving account. \n\nFollow-Up With Chase On Monday, XXXX XXXX, 2026, I visited my local Chase branch for assistance. I was informed that the branch could not help and that there was nothing they could do. \n\nThis was extremely concerning given that the transfer was made to another Chase account within the same banking system and the fraud had been reported immediately. \n\nRegulatory Context This situation appears to be an example of what regulators and financial institutions commonly refer to as Authorized Push Payment ( APP ) fraud, in which a customer is manipulated by criminals impersonating a trusted entity into sending funds under false pretenses. In this case, the scammers impersonated Chase Bank using caller ID spoofing and instructed me to move funds to what they represented as a secure Chase account. Because the receiving account is also held within Chases banking system, Chase has the ability to identify the recipient account holder, review account activity, and determine whether the account is associated with known fraud or suspicious activity patterns. \n\nRequested Resolution Given the circumstances of this case, I respectfully request that Chase conduct a full investigation into the receiving account and the associated transactions. As a New York customer, we are requesting regulatory review of whether JPMorgan Chase 's internal fraud detection systems are adequately protecting customers from impersonation scams and caller ID spoofing, particularly when funds are transferred internally within the banks own account system. \n\nSpecifically, I ask that Chase review : The identity and activity of the receiving Chase account Whether the receiving account has been associated with other fraud complaints Whether the account was recently opened or demonstrates suspicious transaction patterns Whether internal fraud monitoring systems flagged or reviewed this activity Whether additional safeguards should have been triggered when a customer transferred nearly their entire account balance to a previously unknown internal account Because the receiving account is also a Chase account, Chase has the ability to identify the account holder and review whether that account has been associated with other fraudulent activity or scam-related transactions. \n\nBecause the transfer occurred between two Chase accounts and the fraud was reported immediately the same day, I am requesting reimbursement of the funds lost after Chase completes a full investigation. \n\nI would appreciate a written explanation of Chases findings and any remediation available.","date_sent_to_company":"2026-03-07T17:48:05.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"11561","tags":null,"has_narrative":true,"complaint_id":"20067709","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-03-07T16:48:44.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The caller claimed to be a Chase <em>fraud</em> specialist and told me my account was under active attack. \n\nBecause the call appeared to originate from Chase and the caller provided detailed information about <em>fraud</em> <em>activity</em>, I believed I was speaking with a <em>legitimate</em> Chase representative. \n\nThe caller instructed me to move my funds to a secure internal Chase account to temporarily safeguard them while the <em>fraud</em> investigation was completed."],"issue":["<em>Fraud</em> or scam"]},"sort":[19.659073,"20067709"]},{"_index":"complaint-public-v1","_id":"16695264","_score":18.872803,"_source":{"product":"Credit card","complaint_what_happened":"CASE # XXXX Reference Number From Barclay 's Bank I am writing to report and request investigation into a series of unauthorized credit card charges made between XXXX and XX/XX/year>. \nThese fraudulent transactions were made to a company in XXXX named XXXX, which operates a public train line. A total of XXXX separate charges were processed in small amounts, collectively totaling {$2600.00}. I did not authorize any of these charges. \nIt appears that my credit card information was stolen and linked to an electronic wallet, enabling these transactions to occur. Because of the nature of the wallet, the charges can not be directly traced back to me. \nDespite my repeated efforts to dispute these transactions, Barclays Bank has denied my claims and continues to consider the charges legitimate. I have retained complete records, including account statements, correspondence with the bank, and proof of my physical location during the times the charges were madedemonstrating that I could not have been responsible. \nI am prepared to provide case numbers, supporting documentation, and any additional information necessary to assist with your review and resolution of this matter. \nThank you for your attention to this issue and for helping to ensure consumer financial protections are upheld. Barclay 's bank never flagged my card for suspicious activity, never contacted me, and has not resolved this obvious fraudulent case. \n\n\nI have attached as many files as permissible, however I do have all the emails that I have sent. \n\nTo the office of the XXXX Thank you for returning my call. Attached you will find documentation outlining the fraudulent charges in question. I have clearly indicated which transactions are legitimate and where I was at the time of the disputed charges. \n\nDespite this evidence, my claim has been denied twice. I want to emphasize that I have never been to XXXX, do not know anyone there, and have never authorized anyone to use my credit card. From what I understand, my card information was compromised and used through a digital wallet. I am unsure why these transactions were not flagged as potential fraud. \n\nThis situation has caused me serious concern regarding the safety of using this card in the future. I was advised to contact your office after requesting that my case be reopened. Unfortunately, I have repeatedly been told the issue would be resolved, only to receive further denials. One customer service representative even remarked that they had never seen this many unauthorized charges before. \n\nI have spent countless hours and made more than a dozen phone calls, yet the matter remains unresolved. Now, I am being told I am responsible for these fraudulent charges, and the most recent letter warned that failure to pay could negatively affect my credit rating. \n\nI am more than willing to provide any additional information or documentation you may need to help resolve this issue. \n\nYour attention and assistance in reviewing and reopening this case has been greatly appreciated.","date_sent_to_company":"2025-10-21T00:01:55.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"011XX","tags":null,"has_narrative":true,"complaint_id":"16695264","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2025-10-20T21:50:30.000Z","state":"MA","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":["Barclay 's bank never <em>flagged</em> my card for suspicious <em>activity</em>, never contacted me, and has not resolved this obvious <em>fraudulent</em> case. \n\n\nI have attached as many files as permissible, however I do have all the emails that I have sent. \n\nTo the office of the XXXX Thank you for returning my call. Attached you will find documentation outlining the <em>fraudulent</em> charges in question. I have clearly indicated which transactions are <em>legitimate</em> and where I was at the time of the disputed charges."]},"sort":[18.872803,"16695264"]},{"_index":"complaint-public-v1","_id":"11976433","_score":18.835928,"_source":{"product":"Prepaid card","complaint_what_happened":"CASH APP AND XXXX XXXX XXXX XXXX SCAMMING AND SCHEME TO DEFRAUD. PLEASE SEE THE BELOW REPORT SHOWING CASH APP CRIMINALLY WORKING TO DEFRAUD CONSUMERS BY NOT REFUNDING MONEY A MERCHANT OWES ME AND PROMISED TO PAY BACK. INCLUDED IS THE SCAM ARTIST PUBLISHER, NAME, PHONE NUMBER, THE RECEIPT FOR {$200.00} STOLEN, SAMPLES OF THE BOOK PUBLISHER BOOK COVER SABOTAGE, AND THE XXXX XXXX EMAIL ASSURING I WOULD GET MY MONEY BACK AND CASH APP VIOLATED THE LAW BY DISREGARDING THE EVIDENCE AND NOT REFUNDING MY MONEY. CASH APP IS BEING USED FOR AIDING AND ABETTING THIS PUBLISHER FRAUD. CASH APP IS CRIMINALLY USING ELECTRONIC FUND TRANSFR LAWS IN A MANNER THE LAW WAS NOT INTENDED TO BE USED. CASH APP IS BEING USED TO FURTHER VICTIMIZE THE VICTIM AND WROTE A FRIVOLOUS RESPONSE SUBTERFUGING PAYMENT FOR MY REFUND. \n\nSubject : Formal Demand for Immediate Refund Due to Fraudulent Practices and Harassment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CASH APP AND XXXX XXXX XXXX XXXX  SCAMMING AND SCHEME TO DEFRAUD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CASH APP CRIME INFLICTIONS include : 1. Wire Fraud ( 18 U.S.C. 1343 ) Wire fraud occurs when electronic communications are used to carry out a scheme to defraud someone of money or property. If Cash App is used as the medium for transferring stolen funds or enabling fraudulent transactions, this offense may apply. Each instance of wire fraud can result in : Up to 20 years in prison, Substantial fines, and Restitution payments to victims. \nIf the fraud affects a financial institution or involves disaster-related fraud, penalties can increase significantly. \n\n2. Aiding and Abetting Fraud ( 18 U.S.C. 2 ) Aiding and abetting occurs when an individual or entity knowingly assists another party in committing a crime. If Cash App fails to implement proper safeguards ( such as verifying user identities or flagging suspicious transactions ) and this negligence enables fraudulent activities, it could be considered complicit under aiding and abetting laws. Penalties depend on the underlying crime but typically mirror those for the principal offender. \n\n3. Conspiracy Against Rights ( 18 U.S.C. 241 ) Conspiracy against rights involves two or more parties conspiring to deprive someone of their constitutional rights under color of law or through illegal means. If Cash App knowingly facilitates theft that deprives individuals of their property without due process, it could be implicated in this charge. Penalties include : Fines, Imprisonment up to 10 years, and Enhanced penalties if bodily harm results from the conspiracy. \n\n4. Money Laundering ( 18 U.S.C. 1956 ) Money laundering involves processing illicitly obtained funds to make them appear legitimate. If stolen money is funneled through Cash App accounts with its knowledgeor if its lack of compliance with anti-money laundering ( AML ) regulations allows such activityit could face charges under this statute. Penalties include : Up to 20 years in prison, Fines up to {$500000.00} or twice the value of the laundered funds, whichever is greater.\n\n5. Negligent Facilitation of Fraud ( Civil Liability ) While not strictly a criminal offense, negligent facilitation refers to an entitys failure to take reasonable steps that prevent fraudulent activities on its platformsuch as failing to validate users identities or investigate disputes adequately. This can lead to civil lawsuits seeking damages from victims who suffered losses due to these lapses.","date_sent_to_company":"2025-02-06T15:24:06.000Z","issue":"Problem with a purchase or transfer","sub_product":"General-purpose prepaid card","zip_code":"10467","tags":null,"has_narrative":true,"complaint_id":"11976433","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-02-06T14:16:45.000Z","state":"NY","company_public_response":null,"sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["Aiding and Abetting <em>Fraud</em> ( 18 U.S.C. 2 ) Aiding and abetting <em>occurs</em> when an individual or entity knowingly assists another party in committing a crime. If Cash App fails to implement proper safeguards ( such as verifying user identities or <em>flagging</em> suspicious transactions ) and this negligence enables <em>fraudulent</em> <em>activities</em>, it could be considered complicit under aiding and abetting laws. Penalties depend on the underlying crime but typically mirror those for the principal offender. \n\n3."]},"sort":[18.835928,"11976433"]},{"_index":"complaint-public-v1","_id":"11984966","_score":18.767422,"_source":{"product":"Checking or savings account","complaint_what_happened":"I use online banking with SoFi. On XX/XX/year> there was a charge to my bank account of {$440.00} that was not authorized. I temporarily froze my debit card and contacted SoFi immediately to report the fraudulent charge. SoFi advised me the merchant ( XXXX ) was responsible for providing me with the refund of my money for the unauthorized charge. I contacted the merchant and was advised my account with them was already flagged for suspicious activity and my account was locked until an investigation was done on their end to confirm that fraud was reason for the suspicious activity. After they confirmed it was indeed fraud, the merchant advised me per there policy, the refund is given by my bank ( SoFi ) since it was an unauthorized transaction. I called SoFi and submitted a fraud dispute and provided documentation showing that the merchant ( XXXX ) confirmed my account with them was compromised and showed the unauthorized charge to my account with them. SoFi denied my dispute but never provided any information to show why. I was advised to submit another fraud dispute and I did along with more documents from the merchant to show the charge was fraudulent. The dispute was denied a second time but again, no details to show why. Today XX/XX/year>, I contacted SoFi again because I needed some kind of proof that an investigation on their end was completed as well as an explanation of why this dispute was denied. I received an email today from SoFi with an attachment explaining why my dispute was denied. The investigation SoFi claims to have completed, did not show or support any evidence to show a legitimate or valid reason for my fraud dispute to be denied. The following, are the reasons SoFi denied my fraud dispute : Case Summary : Member has an extensive relationship with the merchants listed in the dispute. \n\n**I shop at XXXX on a monthly basis. Im a customer. Of course I have a relationship with XXXX. ** The disputed transaction ( s ) fall in line with the member 's spending habits. \n\n**I dont spend {$450.00} a month with XXXX, especially that much on ONE item. I have never purchased anything XXXX brand on XXXX. I go to the XXXX XXXX. Just because Im a regular XXXX customer doesnt mean XXXX cant be a victim of fraud. ** No denials for Non-Sufficient Funds ( NSF ) indicating whoever was using the debit card had knowledge of how much was available in the checking account **So because I had enough money in the bank to cover the fraudulent charge means Im at fault? I wish I didnt have enough money in my account at the time because then I wouldnt have to deal with this situation. ** Full Address Verification Service ( AVS ) obtained at the time the disputed transaction ( s ) were authorized. \n\n**When my XXXX account was compromised, the primary address was changed as well as the email however, the hacker made an error because although the fake email address was added, my email address was still linked to my XXXX . I received an email for tracking and Delivery. XXXX confirmed the email and physical address were falsely added and locked my account so they could investigate further. ** Funding of the account prior to the disputed transactions suggests that there was an expectation of the disputed transaction. \n\n**It was my normal weekly payday. If SoFi actually investigated this dispute, they would see where every week my check is available on the same day. ** A review of the login history shows no sign of unauthorized access or abnormal activity. \n\n**This fraudulent transaction occurred in the middle of the night while I was sleeping. The entire process including express delivery was 4 hours. By the time I woke up for work the next morning the entire transaction was completed. If SoFi truly investigated this, they would know that XXXX flagged the account for suspicious activity and notified me through email. I didnt know about the activity until I woke up. All that information was provided to SoFi in my initial dispute. ** Im absolutely appalled at the lack of professionalism and integrity from SoFi.","date_sent_to_company":"2025-02-08T00:44:07.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"301XX","tags":null,"has_narrative":true,"complaint_id":"11984966","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SOFI TECHNOLOGIES, INC.","date_received":"2025-02-08T00:19:17.000Z","state":"GA","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["I temporarily froze my debit card and contacted SoFi immediately to report the <em>fraudulent</em> charge. SoFi advised me the merchant ( XXXX ) was responsible for providing me with the refund of my money for the unauthorized charge. I contacted the merchant and was advised my account with them was already <em>flagged</em> for suspicious <em>activity</em> and my account was locked until an investigation was done on their end to confirm that <em>fraud</em> was reason for the suspicious <em>activity</em>."]},"sort":[18.767422,"11984966"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":155,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":155}]}},"product":{"doc_count":155,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":56,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":56}]}},{"key":"Checking or savings account","doc_count":36,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking 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