{"took":154,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":132,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"21644638","_score":18.14553,"_source":{"product":"Credit card","complaint_what_happened":"I rental a hotel room on XX/XX/XXXX using my miles through capital one. Once getting to the hotel, there was no staff, and we were unable to check in. Therefore we had to leave and rent another hotel, and pay for a room a second time. I contacted capital one that night telling them the situation which they tried to contact the hotel and could not. I contacted the hotel and asked for a refund since their staff left and was not there to check us in, and they refused. Capital one should refund our miles since we used our \" money '' to pay for a service we never received. The hotel fraudulently took our money. However there is no way to file a fraud charge on miles spent, and capital one said they need approval from the hotel to give the refund, even though they know we did not stay there. We got screwed by XXXX XXXX and Capital One and neither would do anything about it. I think they worked together to both keep a part of my money so I did not get it back.","date_sent_to_company":"2026-04-27T22:11:30.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"475XX","tags":null,"has_narrative":true,"complaint_id":"21644638","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-04-27T21:55:50.000Z","state":"IN","company_public_response":null,"sub_issue":"Problem with rewards from credit card"},"highlight":{"complaint_what_happened":["The <em>hotel</em> fraudulently took our money. However there is no way to file a <em>fraud</em> charge on miles spent, and capital one said they need approval from the <em>hotel</em> to give the refund, even though they know we did not stay there. We got screwed by XXXX XXXX and Capital One and neither would do anything about it. I think they worked together to both keep a <em>part</em> of my money so I did not get it back."]},"sort":[18.14553,"21644638"]},{"_index":"complaint-public-v1","_id":"10476793","_score":18.104858,"_source":{"product":"Credit card","complaint_what_happened":"Subject : Formal Complaint Regarding Fraudulent Hotel Booking through Capital One Travel Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding a travel booking made through Capital One Travel that I believe constitutes a fraudulent transaction. \n\nOn XX/XX/year>, I used the Capital One Travel app to book accommodations at the XXXX XXXX XXXX in XXXX, GA, following widespread damage caused by Hurricane Helen. Despite several 3-star and above hotels showing unavailable due to the hurricane, this 2-star hotel was listed as available. After encountering issues completing the booking on the app, I contacted Capital One Travel directly, and an agent booked the hotel for me at a total price of {$200.00} ( Capital One Confirmation Number : XXXX ) for the dates XX/XX/XXXX to XX/XX/year> ( Hotel Confirmation Number : XXXX ). \n\nUpon arriving at the hotel, it became immediately apparent that the hotel could not provide the services for which I had paid. The building had no power, the parking lot was empty, and groups of people were standing outside. It was clearly not a safe or operational facility. I requested a refund from Capital One Travel, but I was informed that the booking was nonrefundable, and the hotel refused to issue a refund, despite being unable to render services. \n\nI believe this incident reflects both negligence on the part of Capital One Travel and fraud on the part of the hotel. The hotel knowingly accepted a booking despite its inability to provide basic services, and Capital One Travel failed to inform me of the nonrefundable nature of the booking and did not take adequate steps to ensure the hotels ability to fulfill its obligations. \n\nI respectfully request your assistance in resolving this matter and ensuring that other consumers are protected from similar situations in the future. I am seeking a full refund of the {$200.00} paid for this fraudulent transaction. \nThank you for your attention to this issue. \nSincerely,","date_sent_to_company":"2024-10-16T18:44:25.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"29073","tags":"Servicemember","has_narrative":true,"complaint_id":"10476793","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-10-16T18:27:55.000Z","state":"SC","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I believe this incident reflects both negligence on the <em>part</em> of Capital One Travel and <em>fraud</em> on the <em>part</em> of the <em>hotel</em>. The <em>hotel</em> knowingly accepted a booking despite its inability to provide basic services, and Capital One Travel failed to inform me of the nonrefundable nature of the booking and did not take adequate steps to ensure the <em>hotels</em> ability to fulfill its obligations."]},"sort":[18.104858,"10476793"]},{"_index":"complaint-public-v1","_id":"22766463","_score":17.472029,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have a checking account with Wells Fargo. I use their XXXX service to send and receive money. I own a hotel in XXXX XXXX. A guest in my hotel ( I have documentation of their guest 's stay ) paid of XXXX nights parking in my reserved parking lot for {$40.00} per night. The guest paid the total of {$80.00} using XXXX. Subsequent to the guests departure, the guest filed a claim of \" fraud '' with her bank. The results were that XXXX closed my account and will not re-instate despite my providing clear written evidence of the legitimacy of the transaction and despite my refunding the {$80.00} to the guest. There was no fraud committed by me or anyone regarding the payment that she made to pay for parking. The guest is in fact the one who is committing a fraud on me by manipulating the XXXX policy to get a refund when none is warranted. Her claim on my committing fraud is in fact a fraud on the guest 's part","date_sent_to_company":"2026-06-01T15:42:24.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"91423","tags":"Older American","has_narrative":true,"complaint_id":"22766463","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-06-01T15:26:38.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["There was no <em>fraud</em> committed by me or anyone regarding the payment that she made to pay for parking. The guest is in fact the one who is committing a <em>fraud</em> on me by manipulating the XXXX policy to get a refund when none is warranted. Her claim on my committing <em>fraud</em> is in fact a <em>fraud</em> on the guest 's <em>part</em>"]},"sort":[17.472029,"22766463"]},{"_index":"complaint-public-v1","_id":"3637766","_score":17.095345,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Purchased hotel room from XXXX. XXXX has ceased operations and there is no way to get in contact with them. I sent cancellation email XX/XX/XXXX for hotel room before the cancellation period ended. XXXX intentionally did not respond back to me until a week later when my cancellation period was over. XXXX has no number and does not respond to emails. Citibank requires i show proof of cancellation but XXXX never responded back to my cancellation email before XX/XX/XXXX. XXXX never paid the hotel and the hotel itself does not have my money. XXXX kept my money and decided to cease operations. Citibank closed my dispute and it stating to contact XXXX for a refund. How will I be able to contact a company that has ceased operations and has scammed thousands of people for money. There was no way to cancel the hotel room for XXXX from a website and their phone number no one ever picked up and now their contact information is useless as they have ceased operations. This is fraud. The company is a fraud and citibank is allowing this to happen. I tried cancelling my booking before XX/XX/XXXX and no one ever responded until after the cancellation period ended. XXXX are scam artists and now I need to pay back something for which I never received nor ever used. The hotels have even confirmed never receiving money and cancelling hotel rooms due to Covid19. How can I get a confirmation email if they never offered online cancellation through a website or ever respond back to my email. THIS COMPANY CEASED OPERATIONS. WHAT PART OF THEY CEASED OPERATIONS DO YOU NOT UNDERSTAND CITIBANK. THANKS FOR THROWING A CUSTOMER OUT THE WINDOW AND ALLOWING ANOTHER COMPANY TO COMPLETELY SCAM ME AND SO MANY OTHER PEOPLE.","date_sent_to_company":"2020-05-05T18:54:29.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"32246","tags":null,"has_narrative":true,"complaint_id":"3637766","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2020-05-05T18:21:54.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["This is <em>fraud</em>. The company is a <em>fraud</em> and citibank is allowing this to happen. I tried cancelling my booking before XX/XX/XXXX and no one ever responded until after the cancellation period ended. XXXX are scam artists and now I need to pay back something for which I never received nor ever used. The <em>hotels</em> have even confirmed never receiving money and cancelling <em>hotel</em> rooms due to Covid19."]},"sort":[17.095345,"3637766"]},{"_index":"complaint-public-v1","_id":"4182369","_score":16.95796,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I took a trip to XXXX in XXXX. The hotel placed charges on my credit card that did not belong to me and when I contacted them about the issue, they confirmed in writing that the charges were for another couple. I disputed the charge with Capital One and provided that letter as well as the correct billing for my room and services which were paid for using another credit card, however, they claim that I did not provide them with the documentation that they requested and that they would be reapplying the charges that belong to another traveler to my credit card. This amounts to fraud on the part of the hotel and it is being sanctioned by Capital One. I need to know what my options are to receive a refund and to stop these fraudulent charges to my credit card.","date_sent_to_company":"2021-03-04T07:37:09.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"30141","tags":null,"has_narrative":true,"complaint_id":"4182369","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2021-03-04T02:09:04.000Z","state":"GA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["This amounts to <em>fraud</em> on the <em>part</em> of the <em>hotel</em> and it is being sanctioned by Capital One. I need to know what my options are to receive a refund and to stop these fraudulent charges to my credit card."]},"sort":[16.95796,"4182369"]},{"_index":"complaint-public-v1","_id":"11294138","_score":16.880974,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/year> I lost my Chase sapphire reserve credit card. \nThe next day, I was contacted by the hotel where I had stayed, who informed me that my credit card had been found. \nDespite this, an unauthorized charge of {$2100.00} was made to my account for XXXX XXXX XXXX, a purchase I did not authorize or make. \nI promptly reported the charge to Chase Bank and initiated a fraud claim. \n\nIssue : Chase Bank has closed my fraud claim because they are requiring documentation from the hotel to confirm that my credit card was lost and later returned. However, as this incident occurred XXXX months ago, the hotel has no record or documentation of this event. This demand from Chase is both unreasonable and impossible to fulfill, given the circumstances. \n\nKey Points : XXXX. Failure to Protect the Consumer : Chase is neglecting its responsibility to protect its customers from fraud by placing an undue burden on me to produce documentation that can not reasonably be obtained. \nXXXX. Unfair Documentation Requirement : Requiring a hotel to provide proof of a lost and returned card, especially XXXX months after the incident, is not a standard procedure and reflects poor judgment on the part of Chase. \nXXXX. Lack of Adequate Investigation : Chase appears to have closed my claim without conducting a thorough investigation into the unauthorized charge, despite my clear communication of the fraudulent nature of the transaction. \nXXXX. Violation of the Fair Credit Billing Act ( XXXX ) : Under the XXXX, Chase Bank has a duty to investigate and resolve billing disputes in a fair and timely manner. By closing my fraud claim based on unreasonable documentation requirements, Chase is in violation of these obligations.","date_sent_to_company":"2024-12-27T22:08:09.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"85254","tags":null,"has_narrative":true,"complaint_id":"11294138","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-12-27T21:57:56.000Z","state":"AZ","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["The next day, I was contacted by the <em>hotel</em> where I had stayed, who informed me that my credit card had been found. \nDespite this, an unauthorized charge of {$2100.00} was made to my account for XXXX XXXX XXXX, a purchase I did not authorize or make. \nI promptly reported the charge to Chase Bank and initiated a <em>fraud</em> claim. \n\nIssue : Chase Bank has closed my <em>fraud</em> claim because they are requiring documentation from the <em>hotel</em> to confirm that my credit card was lost and later returned."]},"sort":[16.880974,"11294138"]},{"_index":"complaint-public-v1","_id":"3190280","_score":16.693768,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"This past XXXX I lost my wallet. My Bank of America credit card was used to book a hotel reservation in XXXX for over {$2200.00} dollars. I immediately called BOA 's fraud department and told them what happened and that I had not made that charge and to please cancel the card. They did, sent me a new card and said not to worry they would take care of the unauthorized charge. \n\nThe following month I noticed the charge back on my account. When I called them a second time they told me they decided no fraud had taken place. I asked them to reopen the case and to have the security department call me with any questions which they never did. Two months later they sent me a letter saying that they would not reverse the charge because the person that booked the reservation never actually stayed at the hotel and therefore there was no fraud. \n\nJust because they didn't catch the person that made the reservation doesn't make it any less fraudulent. I don't understand how they're claiming it wasn't fraud. Someone still used my card and it wasn't me. How is that not fraud? They didn't do their job and now they expect me to pay for it. The sick part is I probably could have called the hotel and gotten them to cancel the reservation I didn't make but I thought it would be better to let them handle it. \n\nThey are now harassing me every day trying to get me to pay for a charge that isn't mine. Please help.","date_sent_to_company":"2019-03-25T22:08:13.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"105XX","tags":null,"has_narrative":true,"complaint_id":"3190280","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2019-03-25T21:47:21.000Z","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":["The sick <em>part</em> is I probably could have called the <em>hotel</em> and gotten them to cancel the reservation I didn't make but I thought it would be better to let them handle it. \n\nThey are now harassing me every day trying to get me to pay for a charge that isn't mine. Please help."]},"sort":[16.693768,"3190280"]},{"_index":"complaint-public-v1","_id":"6092840","_score":16.324453,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XXXX/XXXX/22, I booked a hotel room for an event that immediately sells out all affiliated hotel rooms. I had the credit card in question saved to my XXXX account. Per Wells Fargo, an initial test charge was approved, but the deposit payment was declined. According to Wells Fargo, this was declined due to fraud protection. I had received a text to verify the payment, which I had responded to within XXXX minute while I was at work. Unfortunately, due to the nature of this event, the hotel room was immediately cancelled due to declined payment, and rebooked to someone else immediately ( there is no waitlist ). The trip itself may be ruined, as I am now scrambling to find a less desirable hotel room that will be more expensive due to not being part of the event. It's difficult to predict how much money I will lose due to having to find new accommodations. \n\nXX/XX/22 : Complaint called into Wells Fargo XX/XX/22 : Email received stating XXXX ( ext XXXX ) is handling this case. I called the extension, but XXXX was out of the office. I requested a rep call put in a message to call me back, as potentially rebooking the room is extremely time sensitive. \nXX/XX/22 : I called again, and was informed that XXXX is out of the office. I requested a call back from someone else on the team. The rep I spoke with forwarded my concerns to team leader, XXXX XXXX, and the team manager, XXXX XXXX XXXX did not receive any calls from this team. \nXX/XX/22 : XXXX called me in the morning, and said that she is escalating my case. She acknowledged all of my stated concerns, and did all that she could in requesting resolution, and upon being rejected for those resolutions, escalating the case further. The case was escalated to XXXX XXXX ext XXXX ), who told me that she was ready to close the case with no resolution. She stated that Wells Fargo does not guarantee payment on claims, and they would not do anything to assist in the situation generated by their declined payment. I requested to escalate further, and XXXX refused, stating that she is the highest escalation. I asked if she was the manager of her department, and she stated that she is not, so I asked to speak to a manager. She said that a manager from a different site may call back, but her manager is XXXX. \n\nXXXX XXXX XXXX XXXX Wells Fargo declines payment, refuses to elaborate on why fraud protection was triggered and why they choose to auto-deny payment instead of verifying before rescinding payment. Declined payment cancels my hotel room, which is possibly now irretrievable. Wells Fargo refuses to help, and my trip is potentially ruined, and I likely will have to spend even more money for less desirable accommodations, if any in the area are even available. \n\nThe heart of my complaint : Wells Fargo automatically denying claims on a credit card, for a hotel room, is anti-consumer. I would expect that a future booking for a hotel room would be particularly easy to recoup a payment, considering in most instances if it happened before or during the stay, the hotel would be able to cancel the reservation or update payment method. By automatically denying payments as part of the fraud protection system that Wells Fargo has chosen to use, it puts the burden on the customer to fix a mistake made by Wells Fargo. Notably, other banks and credit card providers do not automatically deny payments, even when a verification request is sent to the customer.","date_sent_to_company":"2022-10-18T03:37:32.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"326XX","tags":null,"has_narrative":true,"complaint_id":"6092840","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-10-18T02:47:56.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["By automatically denying payments as <em>part</em> of the <em>fraud</em> protection system that Wells Fargo has chosen to use, it puts the burden on the customer to fix a mistake made by Wells Fargo. Notably, other banks and credit card providers do not automatically deny payments, even when a verification request is sent to the customer."]},"sort":[16.324453,"6092840"]},{"_index":"complaint-public-v1","_id":"3625390","_score":16.058222,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I submitted my fraud complaint in reference to two charges on my credit card with CitiBank while on my vacation to the XXXX XXXX and my fraud complaint was rejected for the following reasons ; \" Our records reflect that these transactions were processed using the embedded chip in the card ending in XXXX and charges that were made before and after the disputed charges were verified as valid. In addition, the credit card was present when the transactions were completed and you confirmed that only you had access to the card. '' This is not a legitimate reason to deny my claim and there is also a false statement on this letter. The sole purpose of my trip was to attend a wedding and I have reason to believe that whoever processed these transactions took my card from my wallet and placed it back in my wallet after they used it. I explained this to the multiple fraud investigators, I also told them that during my stay in the XXXX XXXX I had no reason to have my wallet or even passport on me because as I was staying at an all inclusive hotel and had no reason whatsoever to have my wallet on me. For them to say that I \" confirmed only I had access to the card '' is false. I told the investigators that my hotel had cleaning staff walking in and out at least twice a day and that alone gave them access to my card in my hotel room. \n\nIve already spoken to 3 managers about this and every time I speak to one they tell me my case manager will reach out to me, but they never do. One manager even went as far to say that I shouldve kept my credit card on me at all times and thats reason enough to reject a claim. Carelessness is one thing, but if my valuables are inside a 5-star hotel room along with my other valuable belongings, one would deem their belongings safe. \n\nOne charge was on XX/XX/XXXX for the amount of {$490.00} and another one on  XX/XX/XXXX for XXXX for purchases at a club I did not go to, amounts that I have never spent at a club in my entire credit card history which shouldve triggered a fraud warning. I only noticed these transactions when I arrived back home and saw my transaction statement. \n\nAlso, after further research it seems the club, XXXX XXXX ( a.k.a. XXXX XXXX XXXX was part of the criminal organization and has since then been closed down. This information can be viewed on the U.S. Department of the Treasurys Office of Foreign Assets Control ( OFAC ) website. \n\nAll in all Im unhappy at how Citibank is handled my case without doing a thorough investigation on their part. I would like both transactions and interest occurred to be refunded Immediately.","date_sent_to_company":"2020-04-27T18:23:52.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"10036","tags":null,"has_narrative":true,"complaint_id":"3625390","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2020-04-27T17:21:55.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I explained this to the multiple <em>fraud</em> investigators, I also told them that during my stay in the XXXX XXXX I had no reason to have my wallet or even passport on me because as I was staying at an all inclusive <em>hotel</em> and had no reason whatsoever to have my wallet on me. For them to say that I \" confirmed only I had access to the card '' is false."]},"sort":[16.058222,"3625390"]},{"_index":"complaint-public-v1","_id":"12555251","_score":15.914101,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"THE FRAUD REPORTED IN CASE XXXX DEALS WITH THE FRAUD CHASEXXXX XXXX XXXX XXXX AND THEN COVERED UP WITH FALSIFIED ACCOUNTING REPORTS. \n\nIT DOES NOT DEAL WITH CORRECTING ANY AND ALL REPORTS FROM CHASE FROM THE YEARS XXXX. There are numerous instances of FRAUD ON THEIR PART. CHASE NEEDS TO BE CHARGED WITH INTERNATIONAL FRAUD and all reports sent to purposely damage my credit report need to be immediately reversed. \n\nREPORTS OF THEIR PREVIOUS INADEQUATELY INVESTIGATED CHARGES WILL BE RE-EVALUATED, BECAUSE AFTER THEY AGREED I WAS CORRECT, THEY HAVE RE ADDED CHARGES OR HAVE NOT E.IMINATED THEM FRAUD REPORTS OF HOTELS, CAR RENTALS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ERRONEOUS AND FRAUDUENT BILL FROM AN XXXXXXXX XXXX XXXX. ( WILL ALL BE SUBMITTED UNDER FRAUD AND UNDER CORRECTING MY CREDIT REPORTS )","date_sent_to_company":"2025-03-20T00:42:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":"Older American","has_narrative":true,"complaint_id":"12555251","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-03-20T00:14:48.000Z","state":"CO","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["THE <em>FRAUD</em> REPORTED IN CASE XXXX DEALS WITH THE <em>FRAUD</em> CHASEXXXX XXXX XXXX XXXX AND THEN COVERED UP WITH FALSIFIED ACCOUNTING REPORTS. \n\nIT DOES NOT DEAL WITH CORRECTING ANY AND ALL REPORTS FROM CHASE FROM THE YEARS XXXX. There are numerous instances of <em>FRAUD</em> ON THEIR <em>PART</em>. CHASE NEEDS TO BE CHARGED WITH INTERNATIONAL <em>FRAUD</em> and all reports sent to purposely damage my credit report need to be immediately reversed."]},"sort":[15.914101,"12555251"]},{"_index":"complaint-public-v1","_id":"8645077","_score":15.889908,"_source":{"product":"Checking or savings account","complaint_what_happened":"there are transactions that are missing they are not anywhere on my bank statement.I have went into the branch enough times and they keep lieing to me and telling me that I dont see the transaction cause it was a hold and it disapears, its fraud and its dscrimination and there is money that is being taken out and I dont recieve it back. i went in to the branch and the employee was lieing to me and avoiding searching for the transaction and threatened me that she was going to call the police.I stayed at the XXXX XXXX, XXXXXXXX XXXX  and the employee purposely saved my debit card info and after I checked out on XXXX and XXXX on both datesthe employee charged my debit card unauthorized, Icalled her on the transactions and said I would be refunded, I have not been refunded, my bank does not have the transactions they were deleted from the statement the charge was not any part of the hotel stay it was unauthorized and fraud, {$200.00} is to be refunded from the hotel, $ XXXX XXXX and $ XXXX XXXX the bank says they dont have the transactions they cant file a claim. \nI staed at the XXXX XXXX, XXXXXXXX XXXX  and XXXX XXXX I paid cash for the hotel stay but paid with my debit card {$50.00} and it was to be released on the XXXX then I stayed at the XXXX again on XXXX XXXX and XXXX I paid cash for the deposit on XXXX XXXX and used my debit card on XXXX, I have not recieved the refund. the bank says that there are no transactions that were made with my debit card. and I paid {$190.00} and then charged {$140.00} there after. The bank says that there are no transactions and started to fight with me. these transactions happened and it has to show somewhere and missing money from these transactions XXXX XXXX XXXX AND XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ARE THREATENING ME AND TAKING THE MONEY TELLING ME I RECIEVED THE MONEY AND I CANT STAY AT THE HOTEL NOMORE IF I TELL MY BANK. THEY ARE FRAUD LIEING TO MESTEALING FROM ME AND TRYING TO MAKE ME LOOK BAD.","date_sent_to_company":"2024-03-28T06:46:17.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"91767","tags":null,"has_narrative":true,"complaint_id":"8645077","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-03-28T05:25:42.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["at the XXXX XXXX, XXXXXXXX XXXX  and the employee purposely saved my debit card info and after I checked out on XXXX and XXXX on both datesthe employee charged my debit card unauthorized, Icalled her on the transactions and said I would be refunded, I have not been refunded, my bank does not have the transactions they were deleted from the statement the charge was not any <em>part</em> of the <em>hotel</em> stay it was unauthorized and <em>fraud</em>, {$200.00} is to be refunded from the <em>hotel</em>, $ XXXX XXXX and $ XXXX XXXX"]},"sort":[15.889908,"8645077"]},{"_index":"complaint-public-v1","_id":"18657961","_score":15.762819,"_source":{"product":"Credit card","complaint_what_happened":"I am filing a complaint rega\n\nrding Citibanks failure to honor a contractual credit card benefit. I hold a Citi XXXX XXXX XXXX, w\nhich includes a {$300.00} annual hotel credit for bookings made through\n\nthe Citi Travel Portal. Despite repeated good-faith attempts to use this benefit, Citibanks systems and customer service failures prevented me from doing so, resulting in the complete loss of the credit. Over an extended period, I contacted Citi Travel, Citi Customer Service, and Citis Fraud Department numerous times regarding persistent booking failures. Each time, I completed identity and fraud verification as requested. Despite full compliance, the issue was never resolved. \n\nOn XX/XX/2025, I attempted to make a hotel reservation through the Citi Travel Portal. The booking failed and was canceled by Citibanks system, stating that it could not be confirmed.\n\nImmediately afterward, I contacted Citi Travel customer service at approximately XXXXXXXX XXXX Mountain Time on XX/XX/2025, which was still within the XXXX  calendar year in all U.S. time zones. I was informed that the reservation could not be completed because the booking team was located outside the United States and could not process a reservation for XX/XX/XXXX. \n\nAs a direct result of Citibanks system failures and operational limitations, I was unable to use the {$300.00} annual hotel credit. Because Citi could not process the reservation, I was forced to book a different hotel and pay out of pocket in order to complete my travel. This loss was caused entirely by Citibank and not by any delay or inaction on my part.\n\nI have contacted Citiba\n\nnk multiple times and submitted a formal escalation, but I have received no acknowledgment or response. Attachments provided : Attachment 1 : Screensh\not showing the {$300.00} hotel credit available on XX/XX/2025 Attachment 2 : Email from Citi Travel stating they could not process the reservation on XX/XX/2025 Attachment 3 : Call record showing my call to Citi Travel at XXXXXXXX XXXX Mountain Time on XX/XX/2XXXX XXXX","date_sent_to_company":"2026-01-12T19:32:09.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"90274","tags":null,"has_narrative":true,"complaint_id":"18657961","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-01-12T19:18:59.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with rewards from credit card"},"highlight":{"complaint_what_happened":["Each time, I completed identity and <em>fraud</em> verification as requested. Despite full compliance, the issue was never resolved. \n\nOn XX/XX/2025, I attempted to make a <em>hotel</em> reservation through the Citi Travel Portal. The booking failed and was canceled by Citibanks system, stating that it could not be confirmed."]},"sort":[15.762819,"18657961"]},{"_index":"complaint-public-v1","_id":"4180934","_score":15.504023,"_source":{"product":"Checking or savings account","complaint_what_happened":"My company is a hotel, with about XXXX active employees. We are a family owned business and we operate the hotel. We are not a huge hotel we are a XXXX room XXXX star hotel that has its daily struggles and sometimes need loans from my credit card to keep going. \nOn XX/XX/XXXX our company received an XXXX loan. We used a part to pay some A/P. Another part was sent to a different account to be kept in separate accounts the next month on XXXX the amount was returned to the original business account to be used for approved expenses. FastTrack to XX/XX/XXXX. Our company 's account is frozen due to \" questions '' regarding those transactions from a year ago. I had my employee 's payroll money in the account. I had to get a loan to be able to pay my employees. The loan is like a payday loan huge interest. I called the bank and asked them about this this issue. which they told me, \" its under investigation ''. I told them I agree and I am happy to provide any documentation just please unfreeze my account so we operate the business from it and pay my staff. Bank did not care they simply told me tell your staff its under review. We employee $ XXXX staff. They use their paycheck to pay for rent and food. it its not like I can tell them \" he guys come next week for your dinner at the XXXX ''. I am fully aware and i agree if there is any suspect of fraud it needs to be investigated. I just see this as a huge abuse by the bank. They have not contacted me nor provided me with any documents. I was just told to email a email address provided after about 40 min on the phone. i will provide any requested supporting documentation i just need to be able to use my money and my account. especially after the winter storm our business had several issues.","date_sent_to_company":"2021-03-03T06:14:20.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"4180934","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2021-03-03T06:09:59.000Z","state":"TX","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["My company is a <em>hotel</em>, with about XXXX active employees. We are a family owned business and we operate the <em>hotel</em>. We are not a huge <em>hotel</em> we are a XXXX room XXXX star <em>hotel</em> that has its daily struggles and sometimes need loans from my credit card to keep going. \nOn XX/XX/XXXX our company received an XXXX loan. We used a <em>part</em> to pay some A/P."]},"sort":[15.504023,"4180934"]},{"_index":"complaint-public-v1","_id":"8656883","_score":14.759142,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/year>, I received a charge of {$91.00} for a buggy excursion in the XXXX XXXX. I was staying there at an all inclusive hotel at this time, and did not leave my hotel as every activity I did was already paid for before taking this trip. When I saw this charge, I immediately knew it was a mistake because I never paid for extra services or went on an excursion, on top of not recognizing the merchant. I contacted Goldman Sachs, the company running Apple Card, and they have put the burden of proof on me and requested evidence to dispute the charge. I gave them solid proof that the charge is wrong, because the merchant listed a different room number they billed the receipt to, and provided screenshots of my own room number. I have gone back and forth with them for months, and they still keep sending me the same \" evidence '' of the purchase I made, and requesting more evidence on my part to disprove it. I have never in my life had to deal with this amount of grief from a XXXX dollar financial institution over a charge this insignificant. It's laughable how ridiculous this is and that they won't wipe the charge, despite providing tangible evidence of fraud.","date_sent_to_company":"2024-03-29T20:34:47.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"91016","tags":null,"has_narrative":true,"complaint_id":"8656883","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2024-03-29T19:30:59.000Z","state":"CA","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I have gone back and forth with them for months, and they still keep sending me the same \" evidence '' of the purchase I made, and requesting more evidence on my <em>part</em> to disprove it. I have never in my life had to deal with this amount of grief from a XXXX dollar financial institution over a charge this insignificant. It's laughable how ridiculous this is and that they won't wipe the charge, despite providing tangible evidence of <em>fraud</em>."]},"sort":[14.759142,"8656883"]},{"_index":"complaint-public-v1","_id":"6797360","_score":14.673788,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have reach Chase multiple times and no one seem to care or willing to help. In XXXX a charge was made to my credit card for {$3400.00}. I called XXXX and they were able to cancel the hotel room but not the airfare. Which meant that I was only going to be charge XXXX. Chase still charging me {$3400.00} that I consider fraud in Chase part. I have been getting late fees and interest charge of {$73.00}. They are charging me {$3400.00} plus interest charge of {$73.00} thats fraud. No one in Chase cooperate office care. I have send emails that XXXX send me and no one cares. Chase needs to fix this issues and rectify the interest charges as well as late fees since every time I speak with someone they say this is under investigation. Chase is just stealing money at this point.","date_sent_to_company":"2023-04-05T20:21:55.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"46235","tags":null,"has_narrative":true,"complaint_id":"6797360","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-04-05T20:03:26.000Z","state":"IN","company_public_response":null,"sub_issue":"Overcharged for something you did purchase with the card"},"highlight":{"complaint_what_happened":["I called XXXX and they were able to cancel the <em>hotel</em> room but not the airfare. Which meant that I was only going to be charge XXXX. Chase still charging me {$3400.00} that I consider <em>fraud</em> in Chase <em>part</em>. I have been getting late fees and interest charge of {$73.00}. They are charging me {$3400.00} plus interest charge of {$73.00} thats <em>fraud</em>. No one in Chase cooperate office care. I have send emails that XXXX send me and no one cares."]},"sort":[14.673788,"6797360"]},{"_index":"complaint-public-v1","_id":"16152049","_score":14.607182,"_source":{"product":"Credit card","complaint_what_happened":"I was traveling in XXXX, XXXX, with my two children and my husband. I check my bank account every day, and checked on XX/XX/year> only to see that the day before ( XX/XX/year> ) I had a charge for {$2100.00} to a vendor called : \" XXXX * XXXX XXXX. '' My credit card is through Chase and is a Chase Sapphire XXXX, which has benefits for travel including no foreign transaction fees. \n\nI had never heard of this vendor and did not make this charge, so I called my bank immediately to report the fraud. I still had my credit card in my wallet that morning, so I had no idea how the charge could have been made. I ultimately reported the fraud and was issued a new card, but months later, they said they investigated and determined that it was not fraud. I have now been fighting with them for over a month, trying to find evidence to disprove that I made the charge. Apparently they say my physical card was used- if that is the case, it wasn't me who used it. I figured out that \" XXXX XXXX '' is a \" XXXX XXXX '' restaurant in XXXX, but in an entirely different part of XXXX than we visited on our trip. I obtained an itemized bill from my hotel showing that the day we supposedly ate at \" XXXX XXXX, '' we actually had dinner at our hotel. I also provided a map showing the distance between that hotel, where we ate dinner, and the restaurant we supposedly made the charge to at XXXX pm that same night. None of this mattered to Chase, they said that because my physical card was used, it had to be me unless I could prove that my card was stolen. They are now suggesting that I obtain surveillance footage of my hotel room from the hotel to show someone taking my card and putting it back. This is so much work for me, when I am the one who has been defrauded. I asked if I could at least dispute the charge amount -- even if I supposedly went to this restaurant ( which I didn't ), there is no way that I spent over {$2000.00} on dinner with just myself, my husband and our two kids. But Chase told me to do that I would have to be able to prove how much I actually spent, and of course I do not have any kind of receipt because I didn't go there. Chase told me they reached out to the \" SUM UP '' point of sale vendor to get that receipt and they don't have it and have no contact info for the actual restaurant either. So no one will help me. \n\nI have used Chase loyally for decades but will now cancel my accounts and move to another bank.","date_sent_to_company":"2025-09-24T19:31:48.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"80238","tags":null,"has_narrative":true,"complaint_id":"16152049","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-09-24T19:13:10.000Z","state":"CO","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I figured out that \" XXXX XXXX '' is a \" XXXX XXXX '' restaurant in XXXX, but in an entirely different <em>part</em> of XXXX than we visited on our trip. I obtained an itemized bill from my <em>hotel</em> showing that the day we supposedly ate at \" XXXX XXXX, '' we actually had dinner at our <em>hotel</em>. I also provided a map showing the distance between that <em>hotel</em>, where we ate dinner, and the restaurant we supposedly made the charge to at XXXX pm that same night."]},"sort":[14.607182,"16152049"]},{"_index":"complaint-public-v1","_id":"14788561","_score":14.448673,"_source":{"product":"Credit card","complaint_what_happened":"I am a victim of credit card fraud and my credit card company Capital One is not helping me. Instead they are forcing me to pay for the fraudulent charge of {$15000.00}. \n\nThe fraudulent charge occurred on my XXXX XXXX personal card XXXX while I was in XXXX, XXXX on XX/XX/XXXX at XXXX. The XXXX XXXX is a chip card. I received a text from Capital One regarding a charge of {$15000.00} at merchant \" XXXX 's XXXX XXXX XXXX '' if it was mine. A quick google of the merchant indicates it is a grocery store. I promptly responded \" No '' at XXXX XXXX XXXX. The card was frozen and XXXX more attempted transactions were made of {$7000.00} and {$5000.00} that did not go through. \n\nI have proof that I was no where near the merchant. I had taking a local XXXX taxi yellow=green XXXX plate # XXXX from XXXX airport XXXX my hotel the XXXX XXXX XXXX and XXXX at XXXX XX/XX/XXXX. This is confirmed by XXXX XXXX XXXX camera. I have a letter from XXXX XXXX XXXX, the deputy XXXX at XXXX XXXX XXXX confirming my arrival, check in and entry into my hotel room. After check in, I entered my hotel room # XXXX at XXXX at the XXXX XXXX XXXX XXXX \n\nThe charge of {$15000.00} occurred at XXXX XXXX XXXX obviously is fraudulent because I was at the XXXX XXXX XXXX XXXX in. Capital One is forcing me to pay for the fraudulent charge. They have not done any investigation XXXX their part. I have had to gather all this information of my whereabouts when this occurred to prove that I did not make the {$15000.00} on a grocery purchase while I was on vacation in XXXX.","date_sent_to_company":"2025-07-20T13:28:15.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"79912","tags":null,"has_narrative":true,"complaint_id":"14788561","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-07-20T12:44:28.000Z","state":"TX","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["After check in, I entered my <em>hotel</em> room # XXXX at XXXX at the XXXX XXXX XXXX XXXX \n\nThe charge of {$15000.00} occurred at XXXX XXXX XXXX obviously is fraudulent because I was at the XXXX XXXX XXXX XXXX in. Capital One is forcing me to pay for the fraudulent charge. They have not done any investigation XXXX their <em>part</em>. I have had to gather all this information of my whereabouts when this occurred to prove that I did not make the {$15000.00} on a grocery purchase while I was on vacation in XXXX."]},"sort":[14.448673,"14788561"]},{"_index":"complaint-public-v1","_id":"10616766","_score":14.268265,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I made a purchase through XXXX XXXX for XXXX XXXX reservations. I cancelled reservations w/ the hotel XX/XX/XXXX for travel dates XX/XX/XXXX. The hotel had a XXXX hr cancellation rule. I had XXXX reservations XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX that relates to the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX The hotel employee XXXX said I was getting refunded and needed to wait \" XXXX business days '' .Then I called back after that time period and XXXX said they XXXX not refund the credit card because it would not accept pesos & the hotel XXXX, XXXX, wanted my private banking info.I called to resolve this on XX/XX/XXXX & XX/XX/XXXX XXXX XXXX multiple times with the merchant and XXXX I cancelled according to my consumer obligations.XXXX  should not offer their service to merchants who cant fulfill their financial obligations & abide by their own rules and called my bank and the were willing to help me do a wire transfer with the hotel on XX/XX/XXXX because I felt pressure to do business outside of XXXX and directly with the hotel to get refunded. I called XXXX on XX/XX/XXXX to give him my bank info, he said they \" already sent it to the states and that it went to XXXX bank, who would then pay the XXXX XXXX  ''. This should have been the same bank the original payment method was associated XXXX XXXX XXXX XXXX XXXX as they are in partnership with XXXX  But it did not. There were XXXX wire transfers to XXXX separate banks NOT associated with XXXX, the wire transfer went to XXXX XXXX  XXXX. I have NOT got my money back. XXXX confirms there is NO refund by the merchant. As the original method of purchase was with a XXXX credit card in my name, ending in XXXX XXXX and XXXX XXXXXXXX I am declaring fraud on the part of the XXXX that XXXX has affiliated themselves with. I have consumer protections wXXXX  the use of a credit card a VISA XXXX XXXXXXXX and VISA XXXX  XXXX that was used to make the purchase of the reservations and am seeking a full refund based upon services not received/rendered. I have in good faith tried to resolve the issue with the merchant and the lender. I have consumer protection rights and have fulfilled my obligation as a consumer. I also tried to call XXXX XXXX  in XXXX, XXXX  but they say they only provide the funds and can not help. XXXX says that if I do not pay the remaining {$900.00} in the load that my credit will be negatively affected. I am worried I will never get my money back, will have to pay for a service I never received, and will also have my credit negatively affected.","date_sent_to_company":"2024-10-29T16:04:48.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"84790","tags":null,"has_narrative":true,"complaint_id":"10616766","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-29T16:04:46.000Z","state":"UT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["As the original method of purchase was with a XXXX credit card in my name, ending in XXXX XXXX and XXXX XXXXXXXX I am declaring <em>fraud</em> on the <em>part</em> of the XXXX that XXXX has affiliated themselves with. I have consumer protections wXXXX  the use of a credit card a VISA XXXX XXXXXXXX and VISA XXXX  XXXX that was used to make the purchase of the reservations and am seeking a full refund based upon services not received/rendered."]},"sort":[14.268265,"10616766"]},{"_index":"complaint-public-v1","_id":"13751133","_score":13.892037,"_source":{"product":"Credit card","complaint_what_happened":"In my personal Bank of America VISA credit card statement for the period XX/XX/XXXX XX/XX/XXXX, there was a charge ( statement reference number XXXX ) for {$800.00} for : .. XXXX XXXX * XXXX XXXX  ARRIVAL DATE XX/XX/XXXX I am including a redacted copy of that statement/charge with this complaint. \n\nI did not arrive at any hotel in XX/XX/XXXX ; I was home in Virginia all month. I immediately still in XX/XX/XXXX contacted Bank of America to report the patently false and apparently fraudulent charge. I requested and received a new VISA credit card. \n\nNone of these facts are in dispute. \n\nSince my report to them, Bank of America has dragged me, painfully and bizarrely, through multiple knotholes. They ping-ponged me from a fraud report to billing dispute multiple times. I have spent hours and hours on hold, and hours more recounting facts to at least a dozen different Bank of America agents. Bank of America offered me a risk analysis based on some tortured algorithm from the so-called third-party vendor ; I would call that party a scammer. Bank of America has finally denied my claim. ( Copy of final denial included in attachment. ) Baffled that I should have to do research on this patently fraudulent charge, I offered Bank of America the results of my elementary Internet research. I told them that if they called the vendor-scammers toll-free number, they would hear something ridiculous like this : If you are calling to report that you have been billed in error, dont worry, you havent been. You may have forgotten the transaction, or perhaps you lent your card to a friend or family member I also pointed to online discussions about the specific vendors scams. I also provided extensive documentation from the XXXX XXXX in XXXX, confirming that I have never stayed at their hotel, I have no reservations with or charges by them, and they have no business relationship with the vendor/scammer. ( That report from the hotel of no relationship with the vendor/scammer in writing and on letterhead, and inviting follow-up inquiry, should by itself demonstrate fraud on the part of the scammer. ) The hotel further offered their opinion that the scammers website appears to be a scam website. \n\nAll of this is documented in the attachment to this claim, and/or easily discovered on the Internet. \n\nIve been with Bank of America for almost 40 years. I have no idea why they treat shady actors on the Internet better than they treat me. \n\nThe last four digits of my defrauded VISA credit card are XXXX. The last XXXX of my new card are XXXX.","date_sent_to_company":"2025-05-28T18:12:20.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"22306","tags":null,"has_narrative":true,"complaint_id":"13751133","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-05-28T17:51:29.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I also provided extensive documentation from the XXXX XXXX in XXXX, confirming that I have never stayed at their <em>hotel</em>, I have no reservations with or charges by them, and they have no business relationship with the vendor/scammer. ( That report from the <em>hotel</em> of no relationship with the vendor/scammer in writing and on letterhead, and inviting follow-up inquiry, should by itself demonstrate <em>fraud</em> on the <em>part</em> of the scammer. ) The <em>hotel</em> further offered their opinion that the scammers website appears"]},"sort":[13.892037,"13751133"]},{"_index":"complaint-public-v1","_id":"10615867","_score":13.86804,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I made a purchase through Upgrade/UpliftXXXX XXXX for XXXX XXXX reservations. I cancelled reservations w/ the hotel XX/XX/XXXX for travel dates XX/XX/XXXX. The hotel had a XXXX hr cancellation rule. I had XXXX reservations w/ XXXX XXXX XXXX XXXX & XXXX that relates to the Upgrade/Uplift/XXXX XXXX  loan XXXX XXXX XXXX . The hotel employee XXXX said I was getting refunded and needed to wait \" 14-20 business days '' .Then I called back after that time period and XXXX said they could not refund the credit card because it would not accept XXXX  & the hotel Manager, XXXX, wanted my private banking info.I called to resolve this on XX/XX/XXXX & XX/XX/XXXX w/ UPGRADE/UPLIFT multiple times with the merchant and Upgrade/Uplift. I cancelled according to my consumer obligations.Upgrade should not offer their service to merchants who cant fulfill their financial obligations & abide by their own rules and called my bank and the were willing to help me do a wire transfer with the hotel on XX/XX/XXXX because I felt pressure to do business outside of Upgrade and directly with the hotel to get refunded. I called XXXX on XX/XX/XXXX to give him my bank info, he said they \" already sent it to the states and that it went to XXXX XXXX, who would then pay the Upgrade loan ''. This should have been the same bank the original payment method was associated w/ \" XXXX XXXX XXXX as they are in partnership with Upgrade/Uplift. But it did not. There were 2 wire transfers to 2 separate banks NOT associated with XXXX, the wire transfer went to XXXX XXXX XXXX. I have NOT got my money back. UPGRADE confirms there is NO refund by the merchant. As the original method of purchase was with a XXXX credit card in my name, ending in # XXXX and # XXXX I am declaring fraud on the part of the Merchant that Upgrade has affiliated themselves with. I have consumer protections w/ the use of a credit card a XXXX  # XXXX and XXXX  # XXXX that was used to make the purchase of the reservations and am seeking a full refund based upon services not received/rendered. I have in good faith tried to resolve the issue with the merchant and the lender. I have consumer protection rights and have fulfilled my obligation as a consumer. I also tried to call XXXX XXXX in XXXX, UT but they say they only provide the funds and can not help. UPGRADE/UPLIFT says that if I do not pay the remaining {$900.00} in the load that my credit will be negatively affected. I am worried I will never get my money back, will have to pay for a service I never received, and will also have my credit negatively affected.","date_sent_to_company":"2024-10-29T16:04:39.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"84790","tags":null,"has_narrative":true,"complaint_id":"10615867","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UPGRADE, INC.","date_received":"2024-10-29T15:40:25.000Z","state":"UT","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["As the original method of purchase was with a XXXX credit card in my name, ending in # XXXX and # XXXX I am declaring <em>fraud</em> on the <em>part</em> of the Merchant that Upgrade has affiliated themselves with. I have consumer protections w/ the use of a credit card a XXXX  # XXXX and XXXX  # XXXX that was used to make the purchase of the reservations and am seeking a full refund based upon services not received/rendered. I have in good faith tried to resolve the issue with the merchant and the lender."]},"sort":[13.86804,"10615867"]},{"_index":"complaint-public-v1","_id":"21208136","_score":13.867079,"_source":{"product":"Credit card","complaint_what_happened":"Subject : Dispute denial despite merchant-confirmed fraud I am filing this complaint regarding Capital Ones handling of a billing dispute involving unauthorized changes to a prepaid travel booking and inconsistent denial decisions despite documented evidence. \n\nOn XX/XX/year>, I was at XXXX XXXX XXXX prepared to travel on a prepaid vacation package purchased through Costco XXXX XXXX A fraudulent caller impersonated me and requested changes to my reservation. Costcos own documentation submitted to Capital One confirms the callers phone number did not match either number on file. No secondary verification utilizing contact numbers on file were completed prior to processing the changes. \n\nThe changes made travel impossible. Costco acknowledged the fraud and refunded the flight portion of the package. Their internal documentation ( page XXXX of the evidence file ) states : It appears this may have been a fraudulent call and not either of the members. \nDespite having this documentation, Capital One denied my dispute for the remaining {$5300.00} hotel portion multiple times, citing different reasons across submissions.\n\nCapital Ones reliance on hotel cancellation policy as part of its denial does not address the underlying issue, as the charge relates to a prepaid bundled booking that became unusable due to a fraud event already documented in the record. \n\nThis reasoning also does not reflect the payment structure of the transaction, which was made directly to Costco XXXX as merchant of record for the full package. \n\nThe final denial cited lack of an official fraud confirmation letter from Costco. However : Costcos own submission already contained written acknowledgment of the fraud ( page XXXX ) Costco declined to provide a separate letter while the dispute was open The requested documentation was therefore both redundant and unobtainable Additionally, Capital One issued a partial credit of {$42.00} on one dispute using the same evidence, while denying the remaining {$5300.00} from the same booking and same fraud event. No explanation has been provided for this inconsistency. \nOther disputes related to the same fraud event ( with XXXX XXXX ) were resolved in my favor.\n\nResolution Requested : Full credit of {$5300.00} Explanation for inconsistent outcomes using identical evidence Explanation for requiring documentation already present in the record","date_sent_to_company":"2026-04-14T00:45:27.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"27529","tags":null,"has_narrative":true,"complaint_id":"21208136","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-04-14T00:18:47.000Z","state":"NC","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Capital Ones reliance on <em>hotel</em> cancellation policy as <em>part</em> of its denial does not address the underlying issue, as the charge relates to a prepaid bundled booking that became unusable due to a <em>fraud</em> event already documented in the record. \n\nThis reasoning also does not reflect the payment structure of the transaction, which was made directly to Costco XXXX as merchant of record for the full package. \n\nThe final denial cited lack of an official <em>fraud</em> confirmation letter from Costco."]},"sort":[13.867079,"21208136"]},{"_index":"complaint-public-v1","_id":"3171458","_score":13.388615,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"My complaint has started off as the Credit Card Company not  accepting my dispute despite my evidence to what now sounds like chase Credit Card accepting Fraud from the Merchant based on false service dates and/or a false signature with my name. \n\nChase Credit Card has refused to refund me money from a vendor with whom I filed a dispute. Apparently, the vendor forged my signature and chase doesn't care when I told them while on the phone with them. The evidence from the hotel was explained to me over the phone with Chase Card Services I made a hotel reservation through XXXX on XX/XX/XXXX for a trip on XX/XX/XXXX through XX/XX/XXXX. XXXX said it was free cancellations and I was provided with the option to not be charged until my hotel stay, which I chose to do ( XXXX attached ). On XX/XX/XXXX, I needed to cancel the reservation. XXXX said due to late notice, I would be charged for 1-night stay since it was 24 hours away. I agreed and canceled the reservation. Over the next 48 hours, I looked for the one night stay as a charge on my CC and it did not show up. When I checked my entire XXXX statement a few days later, there was a charge of XXXX dollars on XX/XX/XXXX by the hotel. A charge that was not supposed to occur based on my selection criteria of NOT being charged up front. \nI called the hotel and they refused to refund me the money. I offered to pay the single night. They refused. I filed a dispute with Chase and sent them screenshots of the itinerary, and the one night stay cancellation charge along with the option to pay later during my stay instead of up front. \nChase has the cancellation rules and the itinerary in the form of screenshots taken directly from XXXX 's website. \nI just received information today XX/XX/XXXX from Chase that they are denying me the refund. I spoke to two different customer service reps who both gave me different info. The first one said they were denying the claim because the vendor shows I stayed at the hotel starting on XX/XX/XXXX not XX/XX/XXXX and that my dispute was after my stay. This is a complete LIE by the vendor and I showed screenshots of my itinerary through XXXX which Chase must not have reviewed. The reservations dates are very clear. The charge was made on XX/XX/XXXX, it's my check-in date. The Hotel is making it look like I'm disputing the charge after I stayed there. It clearly showed my stay was to be XX/XX/XXXX to XX/XX/XXXX. How do you miss something like this? \nNot satisfied with this response because it made no sense to believe this information when I provided the itinerary information, I called a second-time on the same day about 30 minutes later. The second rep, a \" manager '' said they were denying the claim because the hotel has a signed document showing I stayed at the hotel and I agreed to the charge. This is another lie because I was never there in XXXX XXXX, nor did I sign any document, online or on paper. If Chase has a signed document provided by the vendor, then its a forgery. My signature could be compared to other CC purchase signatures. They clearly didn't care to do that! \nI told them this is a forgery and they simply didn't care. I can not believe this company had such a lack of investigative skills. I was never in XXXX XXXX. In fact, I use my CC for everything and there aren't even any charges in XXXX XXXX which could be proof I was there. \nI seriously doubt with the money and resources they have they can't see the truth in this. This is just a lack of care on their part to go through the hassle of making a business angry and fearing their anger rather than a card caring customer. They sided with the vendor over false information and that was that. As long as the vendor reply disputes with any garbage info, XXXX the customer. Chase Credit Card is a horrible business that provides little customer protections and it was XXXX XXXX XXXX that is providing the false info. \n\nThe hotel in question who is being Fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ( XXXX ) XXXX","date_sent_to_company":"2019-03-06T19:53:37.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"75094","tags":null,"has_narrative":true,"complaint_id":"3171458","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-03-06T19:14:15.000Z","state":"TX","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["The <em>hotel</em> in question who is being Fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ( XXXX ) XXXX"]},"sort":[13.388615,"3171458"]},{"_index":"complaint-public-v1","_id":"3313717","_score":13.376877,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"The Bank I am filling a chargeback 's complaint against is Capital One. Capital One refuses to issue a Chargeback after the Merchant XXXX XXXX XXXX XXXX ( XXXX  ) did not provide a {$20000.00} timeshare exchange service as mentioned in our contract with them. \n\nThe Transaction I am requesting a chargeback from Capital One Bank is under the name XXXX XXXX XXXX made by XXXX XXXX XXXX XXXX ( XXXX ) in XXXX XXXX for an amount of {$2900.00}. \n\nMy family went on Vacation to XXXX XXXX, XXXX XXXX on XX/XX/2019 at XXXX XXXX XXXX XXXX ( XXXX ), part of XXXX XXXX. We were offered an exchange between our XXXX XXXX timeshare Ownership and XXXX XXXX timeshare membership. Our XXXX timeshare worth about {$20000.00}. We paid {$20000.00} for an XXXX XXXX timeshare and the contract stipulated XXXX will buy back our XXXX contract. that had a balance of about {$20000.00} After a month and half of an unexplained wait, XXXX did not honor the exchange service. They brought as pretext after the long wait that our ownership is not a deed. They explain that we can keep both their timeshare and our XXXX Timeshare, and they will keep the {$20000.00}. We replied that the contract is void ab initio, since there were never a deed, but an ownership certificate, then we have to receive our money back since we have not received the exchange service as clearly written in the contract. They have not answered. \n\nWe file a timely {$17000.00} chargeback with XXXX XXXX XXXX and {$2900.00} with Capital One on or around XX/XX/2019. \n\nXXXX XXXX XXXX issue the {$17000.00} Chargeback, but not Capital One ultimately. Capital One first issue a Chargeback, but the merchant came back and mislead the Bank in saying fraudulently the {$2900.00} was for Hotel Services that we received, like restaurant and rooms. Capital One return the {$2900.00} back to XXXX. We later explained several times to Capital One that the {$2900.00} were not for Hotel services, but are part of a {$20000.00} timeshare exchange services that did not take place. \n\nThe Bank insinuated that we were lying and a manager told us that it is common that customers like us receive services from a Hotel and want a chargeback, what is commonly called friendly fraud. Capital One told us they escalate the issue, made us wait, and later falsely said they can not help because we did not provide all documents on time. We did provide all documents on time by both fax and certified mails, and we have proof. \n\nCapital One does not want to assume his mistake by prejudging us and returning the {$2900.00} to the merchant. \n\nWe are requesting a refund from Capital one of {$2900.00} with all interest fees that are being accumulated.","date_sent_to_company":"2019-07-21T22:29:59.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"77459","tags":null,"has_narrative":true,"complaint_id":"3313717","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2019-07-21T21:41:28.000Z","state":"TX","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Capital One first issue a Chargeback, but the merchant came back and mislead the Bank in saying fraudulently the {$2900.00} was for <em>Hotel</em> Services that we received, like restaurant and rooms. Capital One return the {$2900.00} back to XXXX. We later explained several times to Capital One that the {$2900.00} were not for <em>Hotel</em> services, but are <em>part</em> of a {$20000.00} timeshare exchange services that did not take place."]},"sort":[13.376877,"3313717"]},{"_index":"complaint-public-v1","_id":"13220216","_score":13.010429,"_source":{"product":"Credit card","complaint_what_happened":"( American Express Delta from XXXX and XXXX a {$15.00} charge ) You are requiring me to pay you for a charge : that has been repeated on the same day of-the-month in XXXX ; and for a business that I do not know about. Dismiss my XXXX and XXXX disputes for {$15.00}. I will not pay you : American Express. And I will close my card. And I will find every location to report you as stealing your cardholders 's money. \n\nI wrote a letter to XXXX that said : If someone bills me via you American Express you require me to pay you the charge that I don't know anything about. It's happened twice. I am repeating what I said to you : amex website quote on being unable to re-submit my dispute : \" Action Needed We need additional details to help you set up this dispute. Please chat with us by selecting the Chat button at the bottom right corner. Enter XXXX in the chat window for direct connection to a Customer Care Professional. '' Chat on XXXX XX/XX/year> : you don't even let me reopen the XXXX dispute. \nHi XXXX : ) As in your website does not let me, it says : \" Action Needed We need additional details to help you set up this dispute. Please chat with us by selecting the Chat button at the bottom right corner. Enter XXXX in the chat window for direct connection to a Customer Care Professional. '' I wrote this to you : You are enforcing that someone who I have never had any business with can bill me monthly. Well, I won't pay you : American Express. Dismiss my dispute of {$15.00} from this month and from XXXX. If you do not, so you dismiss my dispute, I will close the card, and report you for stealing. \nThen this : after you didn't take the first dispute Please provide the last XXXX digits of the card you're referring to. \nXXXX Thank you. \nThis was my rewriting : There's {$15.00}. on the same day each month. charged to my card by a business that I don't recognize. You dismissed my XXXX dispute. Now they billed {$15.00} again. \n: ( sorry. I wrote that to you in this chat. \nI appreciate the details from you. \nI just reread what I submitted on my second attempt : this part didn't make any sense : If you do not, so you dismiss my dispute, I will it should read : so * * if * * you dismiss my dispute I am working on it for you. \nThis has been 45 minutes already that I've been telling you -- American Express -- that : I DON'T RECOGNIZE THE CHARGE. and it's a whole dollar amount : {$15.00}. I don't have any more documentation : I don't know who they are or why they bill me {$15.00} a month. \nPlease answer a few questions. \nHave you ever done business with this merchant in the past using this card? \nI'm going to leave. As I wrote : if you dismiss my disputes, I'm not going to pay you, I'm going to close my card, and report you for stealing from your cardholders. \nBy any chance, is it possible that someone known might have used your card for this purchase? \nI have never heard of this merchant. I think they own hotels. \nIt is not possible that anyone else could have used my card : I have had the card with me. \nSo I see you -- American Express -- * * stealing * * {$30.00} from me If you suspect it to be a fraud charge, I can connect you to\n\nthe Fraud Protection team. Shall I? It's been an hour now. No. I was going to leave this chat with you just after 45\nminutes of me trying to say to American Express.\n\nSo, no. I'm not going to wait some more.\n\nIt won't take much time.\n\nNo. You can tell them. I'll screenshot what we've said to send in to the credit reporting agencies. \nI understand your time is precious. \nYou can chat back with us anytime to get it investigated. We will connect you to the Fraud Protection team. \nPlease feel free to chat back with us whenever you have time. \nXXXX XXXX  ................. \n\nOn another AMEX card, the Delta XXXX  card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. \nthat should have said : and instead of you converting * from * your time zone, to XXXX or ( XXXX ) XXXX mean time. What time on your clock was did I say : No No No At what time did I say : On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. \nAt what time did I say : On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. \nXXXX XXXX  i understand your concern regarding the mentioned {$15.00} charges. However, please note that American Express is not charging your card. This is a merchant charge. I see that one charge is disputed now and i can dispute the other one too. Alternatively, I can transfer you to the fraud team if you wish to report these charges as fraud. Please let me know how can I assist you further? \nXXXX XXXX  YES FIX THIS NOW At what time did I say : On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. \nAt what time did I say : On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. \nAt what time did I say : On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. \nXXXX XXXX  FIX IT : AS IN TRANSFER ME TO THE \" EXPERTS '' WHO CAN REALLY FIX IT, EVEN THOUGH i WAS TOLD BY THE LAST PERSON THAT YOU WERE THE EXPERT. \nAt what time did I say : On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. \nXXXX XXXX  At what time did I say : On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. \nXXXX XXXX  I am afraid it can not be fixed until you let me know how would you like to proceed. You wish to dispute the 2nd charge or report these charges as fraud? \nThis is fraud! I just said that to Amex. But maybe it was to the person before you? Should I look through the chat to find out? \nIT DOESN'T MATTER : THIS IS FRAUD XXXX XXXX  THIS IS FRAUD THIS IS FRAUD Sure, I am transferring you to the team which handles fraud claims. Please allow me a moment. \nA Customer Care Professional will be with you shortly. \nAn agent has now joined Hello, youre chatting with XXXX from the Fraud Protection Team. Am I chatting with XXXX XXXX? \nAt what time did I say : On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. \nXXXX XXXX  THIS IS XXXX XXXX Please be assured, I will quickly access the account to help you further right now. \n\nAt what time did I say : On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. \nSHOULD I HAVE WRITTEN A QUESTION MARK INSTEAD OF A COLON? \nDo not worry let me check that for you. \nThank you for confirming! \nI see that you are concerned about the charge XXXX XXXX XXXX {$15.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX right? \nAt what time did I say : On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. \nAt what time did I say : On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. \nAt what time did I say : On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. \nXXXX XXXX  I got your point XXXX! \nTHE CHARGE THE PREVIOUS MONTH ALSO!!!! \nXXXX XXXX XXXX {$15.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX This is ridiculous and disgusting Please be rest assured, I will quickly report the charge ( s ) in question as fraud and replace the affected card for you. \nSounds good to you? \nI'm not going to tell you what I have told the last three people from Amex that I've talked to At what time did I say : On another AMEX card, the Delta Airlines card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any acces\n\ns to my AMEX Delta card. At what time did I say : On another AMEX card, the Delta\nAirlines card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. \nDo not worry XXXX, I am here to help you in this. \nLet me quickly report the charge for you and replace the card now. \nI'M JUST PASTING THAT. BUT I WILL CHAGE IT TO BE A QUESTION MARK NOT A COLON At what time did I say? \nOn another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. \nXXXX XXXX  At what time did I say? \nOn another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. \nXXXX XXXX  Have you released your card details with them to make the charge? \nAt what time did I say? \nOn another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. \nXXXX XXXX  You'll need to answer my question before I answer any question from you At what time did I say? \nOn another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. \nAt what time did I say? \nOn another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. \nAt what time did I say? \nOn another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX XXXX card. \n\nI can understand your curiosity. Fraud can happen in many ways. At this time it is difficult to speculate, how this may have happened? We will be reviewing this case & share details if we come across anything which may require additional action. \nOn our website, we provide you with many more tips on how to help prevent fraudulent activity. This along with understanding the different types of fraud will help you become more alert in protecting yourself. \" \" www.americanexpress.com/us/security-center At what time did I say? \nOn another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. \nAt what time did I say? \nOn another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. \nAt what time did I say? \nOn another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. \nAt what time did I say? \nOn another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. \nAt what time did I say? \nOn another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. \nAt what time did I say? \nOn another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. \nAt what time did I say? \nOn another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. \nAt what time did I say? \nOn another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. \nAt what time did I say? \nOn another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. \nAt what time did I say? \nOn another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. \nAt what time did I say? \nOn another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. \nXXXX XXXX  Someone might have the card information and use it to make the charge however I am here to report this for you and replace the card now. Shall I proceed with case set up and card replacement? \nAt what time did I say? \nOn another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. \nXXXX XXXX  XXXX I would request you to please read my text also, so that I can help you to get this resolved. \nWHAT DID I TELL YOU, NOT THE THREE PEOPLE BEFORE YOU, THAT i WILL NOT ANSER ANY QUESTION FROM YOU UNTIL YOU ANSWER MY QUESTION? \nXXXX XXXX  i WILL NOT ANSER ANY QUESTION FROM YOU UNTIL YOU ANSWER MY QUESTION i WILL NOT ANSER ANY QUESTION FROM YOU UNTIL YOU ANSWER MY QUESTION i WILL NOT ANSER ANY QUESTION FROM YOU UNTIL YOU ANSWER MY QUESTION XXXX XXXX  I surely understood your point here however I have already confirmed about the same to you. \ni WILL NOT ANSER ANY QUESTION FROM YOU UNTIL YOU ANSWER MY QUESTION i WILL NOT ANSER ANY QUESTION FROM YOU UNTIL YOU ANSWER MY QUESTION i WILL NOT ANSER ANY QUESTION FROM YOU UNTIL YOU ANSWER MY QUESTION i WILL NOT ANSER ANY QUESTION FROM YOU UNTIL YOU ANSWER MY QUESTION i WILL NOT ANSER ANY QUESTION FROM YOU UNTIL YOU ANSWER MY QUESTION i WILL NOT ANSER ANY QUESTION FROM YOU UNTIL YOU ANSWER MY QUESTION i WILL NOT ANSER ANY QUESTION FROM YOU UNTIL YOU ANSWER MY QUESTION i WILL NOT ANSER ANY QUESTION FROM YOU UNTIL YOU ANSWER MY QUESTION i WILL NOT ANSER ANY QUESTION FROM YOU UNTIL YOU ANSWER MY QUESTION i WILL NOT ANSER ANY QUESTION FROM YOU UNTIL YOU ANSWER MY QUESTION i WILL NOT ANSER ANY QUESTION FROM YOU UNTIL YOU ANSWER MY QUESTION i WILL NOT ANSER ANY QUESTION FROM YOU UNTIL YOU ANSWER MY QUESTION i WILL NOT ANSER ANY QUESTION FROM YOU UNTIL YOU ANSWER MY QUESTION I completely understand your concern here. \nYOU WILL STAY IN THIS CHAT. i AM GOING TO USE OTHER TABS TO DO SOMETHING, WHICH YOU WILL NOT TELL ME I HAVE SPENT TODAY DOING AFTER THE ONE HOUR YESTERDAY. \nSure, I am here to help you in this. \nThanks for your patience... \nAt what time did I say? \nOn another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. \nXXXX XXXX  I see that XXXX helps you save on hotels, get cash advances, and make extra money! Upgrade to XXXX  and put even more money in your pocket! \nAt what time did I say? \nOn another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. \nThere is a charge for {$100.00} with XXXX XXXX XXXX XXXX XXXX on XXXX. \nAt what time did I say? \nOn another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. \nMay I know if you have made this above charge? \nAt what time did I say? \nOn another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. \nXXXX XXXX  I am afraid XXXX, I will not be able to help unless you confirm the charge for {$100.00} with XXXX XXXX XXXX XXXX XXXX on XXXX. \nThis {$15.00} is connected to {$100.00}. \nAt what time did I say? \nOn another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card.","date_sent_to_company":"2025-04-28T22:28:38.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"804XX","tags":"Servicemember","has_narrative":true,"complaint_id":"13220216","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-04-28T22:12:29.000Z","state":"CO","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["You wish to dispute the 2nd charge or report these charges as <em>fraud</em>? \nThis is <em>fraud</em>! I just said that to Amex. But maybe it was to the person before you? Should I look through the chat to find out? \nIT DOESN'T MATTER : THIS IS <em>FRAUD</em> XXXX XXXX  THIS IS <em>FRAUD</em> THIS IS <em>FRAUD</em> Sure, I am transferring you to the team which handles <em>fraud</em> claims. Please allow me a moment. \nA Customer Care Professional will be with you shortly."]},"sort":[13.010429,"13220216"]},{"_index":"complaint-public-v1","_id":"1595954","_score":12.921805,"_source":{"product":"Consumer Loan","complaint_what_happened":"I purchased a car with what was described as in house financing, using XXXX references, a hotel address that i had been at for one day, while unemployed and having an interruption in my plans for a place of residence. \n\nThe car dealership approved me. But misrepresented the terms for repayment. So I filed a prior request. The not actually in house finance company sent me a copy of the application packet they processed. From this I learned that my address, downpayment amount had been falsified and that they manufactured afditional references from their employees. \nUpon contacting the finance company, they told me that since they had responded to my complaint they wouldnt bother to address my concerns of fraud. They suggested contacting the CEO 's office again, and when I did so, I was instead told of his desire to have my front door kicked in. These sorts of threats on the part of XXXX XXXX make it very difficult to address the concerns with Credit Acceptance Corp . \nI am under the impression that their XXXX XXXX filing with the SEC describes their dealer purchase program where they allow dealers to utilize their warehouse lines to finance new loans and then immediately transfer up the notes. From the above I can surmize only that Credit Acceptance Corp actively encourages fraudulent practiced on the part of their dealer purchase program members, or would otherwise be more alarmed by reports of specific fraud. \nAdditionally, as a XXXX veteran who has been adjuciated as insane, I fear that I am more prone to being targeted by such predatory corporations. While the purchase took place in a state with laws designed to protect the insane, it seems that thus far the state laws failed to prorect me as a consumer.","date_sent_to_company":"2015-10-06T07:32:35.000Z","issue":"Taking out the loan or lease","sub_product":"Vehicle loan","zip_code":"22601","tags":null,"has_narrative":true,"complaint_id":"1595954","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2015-10-06T07:32:34.000Z","state":"VA","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["From the above I can surmize only that Credit Acceptance Corp actively encourages fraudulent practiced on the <em>part</em> of their dealer purchase program members, or would otherwise be more alarmed by reports of specific <em>fraud</em>. \nAdditionally, as a XXXX veteran who has been adjuciated as insane, I fear that I am more 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