{"took":81,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":238,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"14695195","_score":26.82399,"_source":{"product":"Checking or savings account","complaint_what_happened":"THE BANK MOBILE CHECK POLICIES TOOK MY XXXX DIRECT DEPOSIT CHECK THE POLICY ALLOWED THE BANK TO RELEASE MONEY TO MY CHECKING ACCOUNT AND THE MONEY WENT TO THE FRAUD AND THE BANK TOOK MY DIRECT DEPOSIT THE BANK DIDNT LOSE NO MONEY AND THE FRAUDS COLLECTED THE MONEY OFF THE MOBILE CHECK DEPOSIT POLICIES IM OUT OF {$1400.00}","date_sent_to_company":"2025-08-27T12:12:22.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"60411","tags":null,"has_narrative":true,"complaint_id":"14695195","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-07-16T02:37:04.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Bounced checks or returned payments"},"highlight":{"complaint_what_happened":["THE BANK MOBILE CHECK POLICIES <em>TOOK</em> MY XXXX <em>DIRECT</em> <em>DEPOSIT</em> CHECK THE POLICY ALLOWED THE BANK TO RELEASE MONEY TO MY CHECKING ACCOUNT AND THE MONEY WENT TO THE <em>FRAUD</em> AND THE BANK <em>TOOK</em> MY <em>DIRECT</em> <em>DEPOSIT</em> THE BANK <em>DIDNT</em> LOSE NO MONEY AND THE <em>FRAUDS</em> COLLECTED THE MONEY OFF THE MOBILE CHECK <em>DEPOSIT</em> POLICIES IM OUT OF {$1400.00}"]},"sort":[26.82399,"14695195"]},{"_index":"complaint-public-v1","_id":"16949054","_score":21.795355,"_source":{"product":"Checking or savings account","complaint_what_happened":"I was under the impression that I was being hired for a work from home jobs from a company. They sent me a check to deposit to order the equipment but then directed me to send it else where after it was deposited. Well needless to say it was crypto scammed me out of XXXX Now usaa took my VA XXXX check and I can't pay my bills. My question is why didn't the fraud section of the company hold this XXXX dollar check before depositing it, instead of verifying it first, so this would never had happened? It's crazy how they will hold my my XXXX groceries debit card transaction for fraud but not a check amount that I have never deposited before. I would like an answere and my money back. Thank you.","date_sent_to_company":"2025-10-31T17:01:11.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"29020","tags":"Servicemember","has_narrative":true,"complaint_id":"16949054","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2025-10-31T16:41:03.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["They sent me a check to <em>deposit</em> to order the equipment but then <em>directed</em> me to send it else where after it was <em>deposited</em>. Well needless to say it was crypto scammed me out of XXXX Now usaa <em>took</em> my VA XXXX check and I can't pay my bills. My question is why <em>didn't</em> the <em>fraud</em> section of the company hold this XXXX dollar check before <em>depositing</em> it, instead of verifying it first, so this would never had happened?"]},"sort":[21.795355,"16949054"]},{"_index":"complaint-public-v1","_id":"9580245","_score":21.05918,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"on XX/XX/year> I received a phone call from the bank asking me if I was a wear of an transaction deposit 0f {$3500.00} into my account ending in XXXX and my answer was no then there was 9 times of {$200.00} transfer to XXXX XXXX the bank said ok if you don't know the person who deposit the funds into my account then let me put your account on freeze to investigate and then he came bank and said was an inside transaction from one of the bank teller. Then once they started the investigation my payroll direct deposit came into and never gotten it back my account ending in XXXX they took my funds of {$2000.00}. they said they didn't see any fraud actives going on my account..","date_sent_to_company":"2024-07-23T03:13:28.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"75071","tags":"Servicemember","has_narrative":true,"complaint_id":"9580245","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-07-23T02:34:04.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["Then once they started the investigation my payroll <em>direct</em> <em>deposit</em> came into and never gotten it back my account ending in XXXX they <em>took</em> my funds of {$2000.00}. they said they <em>didn't</em> see any <em>fraud</em> actives going on my account.."]},"sort":[21.05918,"9580245"]},{"_index":"complaint-public-v1","_id":"4515582","_score":20.520382,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have called Bank of America twice and reached out to XXXX XXXX XXXX in XXXX, and XX/XX/XXXX to remove the account fraud activity from XXXX XXXX XXXX. I have yet to be able to open a check account. This was not a fraudulent activity, the account was opened and a check was bounced but my paycheck was direct deposited in my account. I also filed bankruptcy and this should have been included. I didn't owe anything to Bank of America they took XXXX dollars from me and closed the account and sent XXXX a fraudulent activity.","date_sent_to_company":"2021-07-05T14:52:46.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"30252","tags":null,"has_narrative":true,"complaint_id":"4515582","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2021-07-05T14:32:04.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account opened as a result of fraud"},"highlight":{"complaint_what_happened":["I <em>didn't</em> owe anything to Bank of America they <em>took</em> XXXX dollars from me and closed the account and sent XXXX a fraudulent activity."],"sub_issue":["Account opened as a result of <em>fraud</em>"]},"sort":[20.520382,"4515582"]},{"_index":"complaint-public-v1","_id":"7650533","_score":19.911522,"_source":{"product":"Checking or savings account","complaint_what_happened":"Twice within the span of a year, Bank of America has declared me dead. XX/XX/XXXX they said they transposed digits to someone else 's SSN for their death certificate and they ended up inputting my SSN instead and sent my SSI check that I live off of back to SSA. It took until XX/XX/XXXX to receive the 3 months of funds that I didn't get on time due to this error. \nOn XX/XX/XXXX, Bank of America did not deposit my SSI direct deposit for XXXX into my account, NOR did they send it back to Social Security Administration or notify them that Bank of America declared me dead again. We spoke to BoA on XX/XX/XXXX and XXXX XXXX ( a representative from the bank ) informed us that they received a death certificate for me from a 3rd party on XX/XX/XXXX. After talking with the bank again on XX/XX/XXXX, we were told there was no death certificate or 3rd party. SSA still has me as alive, and received no notice from Bank of America that they declared me dead. Bank of America committed bank fraud by not depositing the money into my account, and by not returning the money to Social Security Administration. This also constitutes as wire fraud because it was direct deposit, and I face losing my home for the 2nd time due to Bank of America 's federal criminal actions.","date_sent_to_company":"2023-10-05T20:52:20.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"21122","tags":"Older American","has_narrative":true,"complaint_id":"7650533","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-10-05T20:17:11.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["Bank of America committed bank <em>fraud</em> by not <em>depositing</em> the money into my account, and by not returning the money to Social Security Administration. This also constitutes as wire <em>fraud</em> because it was <em>direct</em> <em>deposit</em>, and I face losing my home for the 2nd time due to Bank of America 's federal criminal actions."]},"sort":[19.911522,"7650533"]},{"_index":"complaint-public-v1","_id":"7345800","_score":19.810965,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX I had my government check social security was direct deposited onto my NetSpend account that I've had since XXXX but when it got deposited some person took the money out {$1200.00} he did an account to account transaction that i never gave permission for i dont know this bub performed fraud on my account I'm the only one on my so how can NetSpend allow this to take place on my account he from my account he stole my money I have a XXXX XXXX that can't be fixed through stage XXXX XXXX XXXX and a couple other things and when he took my money it put me in a world of hurt NetSpend was thinking that I was behind all of this and no I was not I didn't know anything about it until that day they were treating me like a hardened criminal they won't let me in to check my accounts or anything cuz they're closed and then they asked me when was the first time that I activated my NetSpend card I don't know last year sometime then they wouldn't talk to me cuz I didn't have the correct answer go figure but he took {$1200.00} on the XXXX he used it on a prepaid has been card ending in XXXX he used it at the liquor store and they put a block on it but where was my money","date_sent_to_company":"2023-08-04T01:41:06.000Z","issue":"Problem with a purchase or transfer","sub_product":"General-purpose prepaid card","zip_code":"46947","tags":"Older American","has_narrative":true,"complaint_id":"7345800","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Netspend Corporation","date_received":"2023-08-04T00:59:48.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Charged for a purchase or transfer you did not make with the card"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX I had my government check social security was <em>direct</em> <em>deposited</em> onto my NetSpend account that I've had since XXXX but when it got <em>deposited</em> some person <em>took</em> the money out {$1200.00} he did an account to account transaction that i never gave permission for i dont know this bub performed <em>fraud</em> on my account I'm the only one on my so how can NetSpend allow this to take place on my account he from my account he stole my money I have a XXXX XXXX that can't be fixed through stage XXXX XXXX"]},"sort":[19.810965,"7345800"]},{"_index":"complaint-public-v1","_id":"5947393","_score":19.07349,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX I have a new debit card I was going to use. The card was sent to me from the company and assured me that all direct deposits would go on that card. I had one direct deposit that was going to be deposited into their Bank at XXXX in the morning it was from social security. I don't have physical checks so I usually write a cashier 's check or a money order to pay my rent. Well the card was declined. The interesting thing about this new card was that my picture was on the face of the card for the first time ever. So I stepped out of line to call the bank and discovered that there was a block put on my account furthermore I was directed to the fraud department who explained to me that there was a transaction that took place without my consent and that's why the card is being blocked. Didn't call me beforehand they didn't they left me feeling as if the transaction had already been taken care of. In any case I would have to call back the next day and talk with somebody at the bank or should I say debit card company. I was on the phone with them for hours on the XXXX and I felt like I was being trifled with the woman I talked to could barely speak English to me I didn't understand most of the things that she was saying she had somebody standing behind her giving her direction. I thought that this issue would have warranted something more than a training session. When I got out of it was if there was three transactions that occurred with three different companies an approximately $ XXXX {$500.00} have been taken out of my social security check to pay for this and I would not get that money back unless I agree to the investigation which is ongoing I guess. I feel this is all the information that you are requesting of me about the complaint so I will stop here and wait for you to advise thank you","date_sent_to_company":"2022-09-03T06:19:10.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"900XX","tags":"Servicemember","has_narrative":true,"complaint_id":"5947393","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Netspend Corporation","date_received":"2022-09-03T05:41:25.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["So I stepped out of line to call the bank and discovered that there was a block put on my account furthermore I was <em>directed</em> to the <em>fraud</em> department who explained to me that there was a transaction that <em>took</em> place without my consent and that's why the card is being blocked. <em>Didn't</em> call me beforehand they <em>didn't</em> they left me feeling as if the transaction had already been taken care of."]},"sort":[19.07349,"5947393"]},{"_index":"complaint-public-v1","_id":"8562949","_score":19.064478,"_source":{"product":"Checking or savings account","complaint_what_happened":"I opened up my SoFi account for a job I applied for to use as direct deposit. I finally realized the company was a fraud. So I checked on my account w SoFi and sure enough a person took the money out as a friend transfer. I dont know the person. I didnt authorize it. The company asked for me to send them the communication I had w the company to prove my case. Every time I tried to send it to the email they told me too it comes back unauthorized. Now when I call in on their phone number it disconnects me. I had to call in on the new loan number to get someone. I was transferred everywhere. I feel this SoFi is as much of a fraud as the XXXX XXXX XXXX  Its only XXXX but its the purpose and what these people are doing to others. I appreciate your time and help.","date_sent_to_company":"2024-03-17T16:46:52.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"626XX","tags":null,"has_narrative":true,"complaint_id":"8562949","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SOFI TECHNOLOGIES, INC.","date_received":"2024-03-17T16:19:19.000Z","state":"IL","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["I opened up my SoFi account for a job I applied for to use as <em>direct</em> <em>deposit</em>. I finally realized the company was a <em>fraud</em>. So I checked on my account w SoFi and sure enough a person <em>took</em> the money out as a friend transfer. I dont know the person. I <em>didnt</em> authorize it. The company asked for me to send them the communication I had w the company to prove my case. Every time I tried to send it to the email they told me too it comes back unauthorized."]},"sort":[19.064478,"8562949"]},{"_index":"complaint-public-v1","_id":"11637216","_score":19.05386,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing this complaint because cash app did not refund half of my money they took half of my money and did something else with it they got all my information my ID my bank card a screenshot of my face holding my ID every time I call them to try to get something fixed they gave me a problem they didn't return my money then they let me create a spouse a sponsor account for my child then the money that I sent my child she didn't get cuz she couldn't create a card they took the money and close my account after I gave them all my information and try to say it was some fraud you activities done but I know I didn't do nothing fragile on my account because my account was used for paying my bills getting direct deposit from my job and sending my daughter money every time I call to try to get something done they hang up they get an attitude I asked for a supervisor they hang up or they tell you ain't no supervisor there and it's been going on for 3 years now with cash and I'm tired of it","date_sent_to_company":"2025-01-21T01:10:07.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"20020","tags":null,"has_narrative":true,"complaint_id":"11637216","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-01-18T18:27:22.000Z","state":"DC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["account after I gave them all my information and try to say it was some <em>fraud</em> you activities done but I know I <em>didn't</em> do nothing fragile on my account because my account was used for paying my bills getting <em>direct</em> <em>deposit</em> from my job and sending my daughter money every time I call to try to get something done they hang up they get an attitude I asked for a supervisor they hang up or they tell you ain't no supervisor there and it's been going on for 3 years now with cash and I'm tired of it"]},"sort":[19.05386,"11637216"]},{"_index":"complaint-public-v1","_id":"18347021","_score":18.97201,"_source":{"product":"Checking or savings account","complaint_what_happened":"I recently took a hardship loan from my XXXX for financial hardship. I paid for expedited shipping on the check. Upon arrival I attempted to make the deposit VIA mobile check deposit and was told the check would take over 10 days to become available. After looking online I learned if I made the deposit through ATM or in person I would receive a partial amount to be available and the rest would become available the next day. The next day came and instead of my money being there my account was over drafted for the amount I spent with a hold on the account for the check amount. I called US bank to inquire about this issue and they told me I would need to visit a branch and have it resolved. Between the call and time before I could go to branch due to closure I received 2 direct deposits into my account of which only covered the over draft amount. So now I have no access to the check nor my money deposited separately. Once visiting the branch they couldnt help either. They told me to call the fraud department. I called the fraud department and they refused to help. They had no compassion behind the fact that a check taken in hardship was being held. They didnt care that money into my account AFTER the check was being held. They never should have made the money available just to take it back the way next day. I am disturbed.","date_sent_to_company":"2025-12-29T18:58:02.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"95821","tags":null,"has_narrative":true,"complaint_id":"18347021","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2025-12-29T18:42:29.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Between the call and time before I could go to branch due to closure I received 2 <em>direct</em> <em>deposits</em> into my account of which only covered the over draft amount. So now I have no access to the check nor my money <em>deposited</em> separately. Once visiting the branch they couldnt help either. They told me to call the <em>fraud</em> department. I called the <em>fraud</em> department and they refused to help. They had no compassion behind the fact that a check taken in hardship was being held."]},"sort":[18.97201,"18347021"]},{"_index":"complaint-public-v1","_id":"13500662","_score":18.89944,"_source":{"product":"Checking or savings account","complaint_what_happened":"I had been a customer for XXXX  years when I received a bad check. It seemed to be no problem. They didnt even want to close my account, but I had had some fraud in my app Chase app that I was concerned about so I insisted we close the account. I rarely deposited checks with that being said I was at the Chase branch and they put me on a phone that I was on for an XXXX  setting up the new account. My XXXX  had direct deposit so we had to set that all up again with his company and however, it worked out. They had to send me a physical check in the mail that I would later deposit into this new account at the same time this was happening. I was moving into my new place the place I was renting at the time received their rent payments in the form of money, orders, my XXXX. I assumed the place I was moving into also took money orders so when I showed up with the money orders, they informed me that they only take payment in the form of online debit pay. this meant, I had to deposit the checks that I just took the money out of my account with back into my account. I proceeded to pay the new place I was moving into via debit card online.Two weeks had passed before I had noticed that the place I moved into hadnt been paid. Chase had took the money back and I was looking at getting evicted for nonpayment. they never did say why they closed my account. Im assuming that they were misinformed somehow and thought that they close my account due to the bad check. I dont know how after XXXX  years. When I was the one who insisted on closing the account Im thinking they thought I was trying to fraud again with some checks. When the checks were the money I just took out of my own account, bought money orders, and even told them that when I walked into the bank to deposit the money orders into the branch at the bank. Because this was in the new account after I had closed the old account due to fraud in my app, not because of any check that I had already paid for that they werent even interested in doing anything about as they shouldnt have it was an honest mistake .I then called and they said they had froze my account. They wouldnt give me an explanation and I didnt know what to do. It was then that I went back into the bank again to try to figure all this out. When I went into the branch, they were very, very rude to me, treated me like I was some kind of convict who didnt belong in there. I insisted on talking to a XXXX and calling the XXXX number again. I didnt know what to do. Nobody would listen they wouldnt even tell me anything. They just informed me that my account was frozen and I would be able to get my funds in XXXX weeks and that my account was to be closed in XXXX days and never to be doing business with them ever again. at this point, my husbands check still hadnt came in the mail from the company that I was had to deposit into this account which when it did come in the mail, I did deposit it into the account thinking they had been getting my automatic direct deposits from the same company for years now, years and years that there would be no problem, but of course when it got there, it was put on hold also until a couple days before my account was to be closed at the 30 day mark. I called and went in there to make sure that I would be able to get that money for that check. They assured me at the branch that I would be able to pull it out and use it. That day came and I went to pull it out and I could not they would not give it to me. They said had no business being there that they would send it to me in a check in the mail. I was furious. Sad hurt broke so I called the number and thats when they said wait XXXX weeks and it will come to me in a check in the mail XXXX weeks had passed no check in the mail, then I called again. They said I hadnt waited long enough and now we are months and months later and still no check barely a place to live and in debt up to my eyes because of all the fees.","date_sent_to_company":"2025-05-14T17:18:58.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"89104","tags":null,"has_narrative":true,"complaint_id":"13500662","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-05-14T16:02:13.000Z","state":"NV","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["They <em>didnt</em> even want to close my account, but I had had some <em>fraud</em> in my app Chase app that I was concerned about so I insisted we close the account. I rarely <em>deposited</em> checks with that being said I was at the Chase branch and they put me on a phone that I was on for an XXXX  setting up the new account. My XXXX  had <em>direct</em> <em>deposit</em> so we had to set that all up again with his company and however, it worked out."]},"sort":[18.89944,"13500662"]},{"_index":"complaint-public-v1","_id":"5377740","_score":18.692194,"_source":{"product":"Checking or savings account","complaint_what_happened":"This complaint is about Navy Federal Credit Union and it's lack of willingness to assist it's military family members correctly. I'm a senior with multiple health issues and was just released from the XXXXl for XXXX and is XXXX XXXX and XXXX. As a favor to me my sister is a caretaker for our family she deposited money into my NFCU account but the deposit and transaction didn't complete the location of NFCU is solely an ATM location the ATM machine didn't process my deposit and show that it went into my account. It was a drive thru ATM in the outside. So it didn't return my money either it says for us to contact NFCU this location also has a inside ATMs so she goes inside to try and get my money back but the ATM wouldn't return my money. I immediately contacted NFCU to file a claim and told them what happened. NFCU did an investigation and then credited my account for {$450.00} dollars. But the weeks later unknown to me they overdrew my account saying I owe them the {$450.00} back to NFCU my own money. They're claiming they didn't find any money. No letter no phone call nothing and they also took a small check that was deposited from my part job that sends a check via direct deposit. Leaving my checking account overdrawn {$320.00} claiming I owe NFCU money. But one fraud prevention agent suggested that NFCU may have looked at the wrong ATM machine but I requested another appeal this my own money that they're coming after me for all because the investigation was not conducted properly this NFCU ATM location has ATMs drive thru where my money originally was deposited but not processed into my account and they have inside ATMs my money is there. But now these people are treating like I'm a criminal and I'm XXXX XXXX just having been XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX","date_sent_to_company":"2022-03-28T21:08:39.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"200XX","tags":null,"has_narrative":true,"complaint_id":"5377740","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2022-03-28T20:36:12.000Z","state":"DC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["They're claiming they <em>didn't</em> find any money. No letter no phone call nothing and they also <em>took</em> a small check that was <em>deposited</em> from my part job that sends a check via <em>direct</em> <em>deposit</em>. Leaving my checking account overdrawn {$320.00} claiming I owe NFCU money."]},"sort":[18.692194,"5377740"]},{"_index":"complaint-public-v1","_id":"3776214","_score":18.215324,"_source":{"product":"Checking or savings account","complaint_what_happened":"In less than 2 weeks several problems with this bank : 1 ) charge made from my credit card to put {$25.00} on this account, vs. asking me to deposit. The issue was they \" open '' an account but not really, until a payment is made. They didn't indicate that one when you fill out the paperwork. I got the acct approved but apparently they didn't do squat with it until they took money from me. XX/XX/20. \n2 ) XXXX  up the billpay. Acct created on XX/XX/20, but multiple bills before that time went against my account. Refused any straight answer for why this happened. Never would address it. Nor did they address why they took, on the same day ( XX/XX/20 I believe? ) a bill pay scheduled for the future on XX/XX/20 out on XX/XX/20. \n3 ) XXXX  up the account telling me the account was only 2 weeks old ( it was over that ) and refused to tell me WHEN the account wouldn't be considered new ( one person said 30 days but you can't trust anything they say, multiple flip flops on stories given to me were pointed out in conversations ), that they had massive fraud going on from check deposits ( I had a direct deposit from a known local state agency for my check ) and why that was an issue, what other XXXX ups they hadn't done yet, and why I couldnt ' get money from a teller. They also wanted to charge {$10.00} for checks that I was told in the branch that they could print 3 checks a day for free. \nHiding all this on their XXXX  page.","date_sent_to_company":"2020-08-03T12:30:16.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"23320","tags":null,"has_narrative":true,"complaint_id":"3776214","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2020-08-03T12:18:28.000Z","state":"VA","company_public_response":null,"sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["In less than 2 weeks several problems with this bank : 1 ) charge made from my credit card to put {$25.00} on this account, vs. asking me to <em>deposit</em>. The issue was they \" open '' an account but not really, until a payment is made. They <em>didn't</em> indicate that one when you fill out the paperwork. I got the acct approved but apparently they <em>didn't</em> do squat with it until they <em>took</em> money from me. XX/XX/20. \n2 ) XXXX  up the billpay."]},"sort":[18.215324,"3776214"]},{"_index":"complaint-public-v1","_id":"4406827","_score":18.131802,"_source":{"product":"Checking or savings account","complaint_what_happened":"I was informed that my account was being closed due to third party deposits inside of my account from two different step cousins, the deposits were coming since XXXX hard to believe if there where a problem that they would allow it for so long, on XX/XX/XXXX I received a XXXX hold on my account I then called the bank and they informed me that I had to take my two step cousins and add them to each account, I took one and added him and once I got around to taking the other one due to schedules they said it was no need my account was being closed anyway, I can get the idea but its not fraud if they knew and didnt think they can open a account. Now my money is being held I have no access to move let alone by kids diaper! Ive called numerous of times and have received so much information my head is starting to XXXX! And there still accepting deposits instead of sending them back so I can atleast have some money! My taxes just got sent another big deposit! Was made! And I cant change it because we all know you cant update your direct deposit on taxes once it sent and the other company i called multiple times no answers so my payment was accepted by boa! Im completely shocked at this and hopping something gives!!!!","date_sent_to_company":"2021-05-26T14:12:42.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"60056","tags":null,"has_narrative":true,"complaint_id":"4406827","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2021-05-26T14:04:32.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["said it was no need my account was being closed anyway, I can get the idea but its not <em>fraud</em> if they knew and <em>didnt</em> think they can open a account."]},"sort":[18.131802,"4406827"]},{"_index":"complaint-public-v1","_id":"13473673","_score":17.94048,"_source":{"product":"Prepaid card","complaint_what_happened":"After my release from jail, I went home and found out that someone had drained all of my social security funds sent direct deposit to XXXX XXXX They had sent a new card to someone I do not know, and after allowing them 90 days to investigate, I called them only to find out that without a \" Service request # '', which I misplaced, they said they never received my dispute in the mail. Said I had to start all over. I mailed the copies of all the invoices they sent me, this time via email direct to them, me marking all the fraudulent transactions, ( minus my monthly subscriptions that were still being deducted, until they sent another new card to the theives, and admitted this, that they had sent me copies of the invoices from XXXXXXXX XXXX thru XXXX, XXXX. I am anticipating that they will not be honoring my disputes, as they have done so before in the past, like falsifying documents about a motel rental one time, saying that their investigation saw no need to return the {$120.00} I paid thru their card for a room I never got! Anyone getting a room signs for it! I went to the motel, after placing the {$120.00} deposit for it, and they said impossible, for they didn't have any available rooms, and that check in wasn't till XXXX XXXX, ( I was there at XXXX XXXX  ), and that they didn't 't have any rooms for the price I paid. XXXX, was their agent. So I was out that money, years ago, and since then they had denied others, fraud internet companies that took my $ and never shipped or delivered products.","date_sent_to_company":"2025-05-12T22:25:35.000Z","issue":"Unexpected or other fees","sub_product":"Government benefit card","zip_code":"91702","tags":"Older American","has_narrative":true,"complaint_id":"13473673","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Comerica","date_received":"2025-05-12T21:48:13.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I went to the motel, after placing the {$120.00} <em>deposit</em> for it, and they said impossible, for they <em>didn't</em> have any available rooms, and that check in wasn't till XXXX XXXX, ( I was there at XXXX XXXX  ), and that they <em>didn't</em> 't have any rooms for the price I paid. XXXX, was their agent. So I was out that money, years ago, and since then they had denied others, <em>fraud</em> internet companies that <em>took</em> my $ and never shipped or delivered products."]},"sort":[17.94048,"13473673"]},{"_index":"complaint-public-v1","_id":"10305669","_score":17.663553,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX the XXXX XXXX XXXX was hit with Breach of Data. All XXXX  members had their full names, SS # 's, Date of Births, contact information, XXXX  Affiliation, employment related information, Bank account information and other sensitive information leaked to XXXX XXXX. FBI was investigating it. Tribes advised to close current accounts and get new accounts immediately. I went to my bank to change my information in the last week of XXXX. I spoke to banker about it. They asked me if my payroll was direct deposited. I told the following week it would be. So, the banker told me to wait and come back after it was paid to me and then they would close my account. But on XXXX several checks appeared in my account. I called the fraud department, and they closed my account and opened a new account. I told them its fraud because I didn't deposit anything to my account. They asked me questions and reassured me that they would investigate it. I took their word. I never received my check for that pay period it was {$1200.00}. I figured it was returned to my employer since my account was closed. I didn't ask. I notified my accounting XXXX XXXX, XXXX, that my bank account was compromised and that I got a new account. I was dealing with Wells Fargo on the fraud. All my documents were in order of all dates started on XX/XX/XXXX with {$500.00} on account not authorized. XX/XX/XXXX account is closed. XX/XX/XXXX made appointment to meet with banker on XX/XX/XXXX. Met with XXXX XXXX and found out that there were other checks, and she ordered me a new debit card for my account. She showed me on of the copy of XXXX check from XXXX XXXX XXXX XXXX by mobile app. I told her I don't use the mobile app because my check is direct deposited. I don't use that feature even though it is on the app. I no need to. Then bank sent out all copies of checks that were fictitious. XX/XX/XXXX there was money transferred to XXXX XXXX and XXXX XXXX  for a grand total of XXXX. The bank didn't not investigate it instead started to charge my account for the total amount of fraud which they told me was {$3000.00}. By the second paycheck of {$1200.00} No one said anything to me where my money was at. I went a whole month without any income. My bills were unpaid, my food is low, and my mortgage and utilities were left unpaid. My trust in this bank is at an all-time low. They allowed me to get ripped off through their mobile app and online banking. Their cybersecurity is nonexistent. I am the person alerted them to the fraud, but they are charging me for fraud. They don't care about customers. As long as there aren't any deficits on account. I called on XX/XX/XXXX and spoke to XXXX different people to get my account straightened out. Then I asked about my paychecks, and they admitted with customer rep. XXXX that they were keeping my money to pay for the fraud. XXXX keeps talking over me while I was explaining the current situation. I felt she did that on purpose. She was the main one doing that. I had - {$640.00} to pay to them. So really, they were overcharging {$3000.00}. They didn't care I had no means to live or speak to me about the fraud. I found out online that were was an unknown XXXX XXXX  card linked to my account, and I didn't know who it was and how long it was linked to my account. I told them on that phone call that card stole from me. XXXX said it stole- {$1000.00} from account. They didn't even investigate it or tell me about it. I had to investigate on my own by looking at my account online. That is pretty frustrating and upsetting. In the call, I asked them to investigate the card for sure and the links. This bank should be investigated for their mishandling of my money that was direct deposited for fraud. Abusing the trust of bank members in online fraudulent activities. They won't prevent anything they will wait until it has already happened. This is a second incident for online fraud with this bank. I definitely would not recommend this bank for any potential future banking for anyone.","date_sent_to_company":"2024-10-01T21:26:10.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"832XX","tags":null,"has_narrative":true,"complaint_id":"10305669","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-10-01T20:18:13.000Z","state":"ID","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["They asked me if my payroll was <em>direct</em> <em>deposited</em>. I told the following week it would be. So, the banker told me to wait and come back after it was paid to me and then they would close my account. But on XXXX several checks appeared in my account. I called the <em>fraud</em> department, and they closed my account and opened a new account. I told them its <em>fraud</em> because I <em>didn't</em> <em>deposit</em> anything to my account. They asked me questions and reassured me that they would investigate it. I <em>took</em> their word."]},"sort":[17.663553,"10305669"]},{"_index":"complaint-public-v1","_id":"12619522","_score":17.406702,"_source":{"product":"Checking or savings account","complaint_what_happened":"I open a XXXX  savings account XX/XX/XXXX to be able to take advantage of their high APY on their savings account. On my mistake I didn't realized that I had to do direct deposit to be able to get there higher APY instead it was set at a lower %. I linked my XXXX XXXX business account to transfer money. I transfer XXXX back to my business checking account on XX/XX/XXXX when I realized that and called Sofi to close the account. \n\nI didn't notice when the first {$300.00} was taken from my XXXX XXXX account. on XX/XX/XXXX which was closed. \n\nI notice a {$850.00} taken from my XXXX XXXX account on XX/XX/XXXX and contact them right away. As soon as I was going throw my account I notice the other {$300.00} also and did a ticket for both. \n\nI also contact XXXX XXXX which they refund me the {$850.00} after they investigated and found it to be fraud. Since the {$300.00} was too far off they told me to contact Sofi for that amount. \n\nSofi don't want to refund me the {$300.00} since they concluded that it was not fraud when I didn't make that transfer nor do I own an account in XXXX XXXX  And XXXX. \n\nThis shouldn't have happen since I had closed the account. I just want my money back.They kept my account open when it was closed by me before this happened without my permission and took money without my doing from my business account.","date_sent_to_company":"2025-03-25T00:05:42.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Savings account","zip_code":"91601","tags":null,"has_narrative":true,"complaint_id":"12619522","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SOFI TECHNOLOGIES, INC.","date_received":"2025-03-24T23:35:55.000Z","state":"CA","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["On my mistake I <em>didn't</em> realized that I had to do <em>direct</em> <em>deposit</em> to be able to get there higher APY instead it was set at a lower %. I linked my XXXX XXXX business account to transfer money. I transfer XXXX back to my business checking account on XX/XX/XXXX when I realized that and called Sofi to close the account. \n\nI <em>didn't</em> notice when the first {$300.00} was taken from my XXXX XXXX account. on XX/XX/XXXX which was closed."]},"sort":[17.406702,"12619522"]},{"_index":"complaint-public-v1","_id":"6563408","_score":17.216454,"_source":{"product":"Checking or savings account","complaint_what_happened":"In XXXX I had fraud on my venmo account. It was XXXX XXXX. I called Venmo and spoke to fraud team and they said to file a dispute of charges with them and they will get my money back. Dispute of charges filed with Venmo against XXXX XXXX A week later out of nowhere, Venmo closed my account without giving me any reason or warning. They refused my direct deposit and had it sent back to my employer who didn't receive confirmation for a week and my pay checks had to be mailed which took delays and was hurting real bad. Venmo then froze all my money in the checking account and said they might return my money depending on unknown factors they won't release. Upon reviewing this issue, Venmo always takes the money and forces the consumer to take action. I have lost hundreds of dollars in late fees and my Christmas was ruined because my funds were all over the place and missing due to this scam Venmo did one. I was following the fraud departments advice and I got punished for trust Venmo. They never respond to emails and can't call them at all. Want my money back plus more if possible due to all of the money I paid in late fees, my credit score dropped, plus so much more.","date_sent_to_company":"2023-02-12T14:04:16.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"85249","tags":null,"has_narrative":true,"complaint_id":"6563408","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2023-02-12T13:47:26.000Z","state":"AZ","company_public_response":null,"sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["They refused my <em>direct</em> <em>deposit</em> and had it sent back to my employer who <em>didn't</em> receive confirmation for a week and my pay checks had to be mailed which <em>took</em> delays and was hurting real bad. Venmo then froze all my money in the checking account and said they might return my money depending on unknown factors they won't release. Upon reviewing this issue, Venmo always takes the money and forces the consumer to take action."]},"sort":[17.216454,"6563408"]},{"_index":"complaint-public-v1","_id":"5758934","_score":17.193142,"_source":{"product":"Checking or savings account","complaint_what_happened":"I received a letter by XXXX on XX/XX/XXXX that was dated XX/XX/XXXX stating my account was debited {$10000.00} because a check was made payable to a signer not on my account. The letter also said the check was deposited into an ATM. The first thing I did was check my wallet and realized my ATM card was missing. I then tried to log into my online banking account but couldn't because the account was frozen/on hold/process of being closed. \n\nI called attempting to find out was going on, but that was absolutely no help. The first rep stated she couldn't help me with the check deposit, but that my account was being closed as a risk based closure. She also sounded like she was half sleep and clearly needed to change her smoke alarm batteries. ( Unprofessional ) Ok ... no help. \n\nI'm transferred to customer service and this rep was much better, but still no help. She did advise that the account was being closed because of this check. I had a payroll check being direct deposited on the next day, so she transferred me to risk to see if they could release my funds. \n\nRisk was also no help. They advised they would not release the direct deposited funds and that I needed to file a fraud claim. They said they could not see why my account was closed only that it was based on risk. LIE. Especially since the previous representative stated it was because of the check. \n\nI called the fraud department, and this is where I got the most help, but still not much. There were multiple transactions not authorized by me and nobody is authorized to use my card. XXXX {$1900.00} transactions and a {$3700.00} teller withdrawal. There were more, but I don't have access to my statements or transactions as the bank disabled my online banking. So now I actually have no idea all of the transactions that took place on my account. I explained that I realized the card was missing once the letter came in the mail saying a check was deposited into the ATM. None of this mattered. The bank denied my claim. No follow up asking what happened or anything. \n\nThe letter I received from the bank states the fraudulent check was deposited on the XXXX, but all the transactions took place on the XXXX according to the representative from the Fraud Dept. So, I am questioning why would the bank approve these transactions when there weren't much funds in the account? I really would like to review these transactions myself because speaking to the reps over the phone is so confusing and frustrating as it seems nobody really cares. \n\nA simple camera pull from the ATM transaction and teller withdrawal would prove that I did not make these transactions and I'd be prepared to move forward with criminal charges against whoever it was. I did not give anyone authorization to make these fraudulent charges as the bank states and I sure didn't make them myself. This is just their excuse to not cover the charges. \n\nMy actual check that was direct deposited into my account on XX/XX/XXXX was taken by the bank and they will not release my funds. So now I have no bank account, a negative balance resulting from fraud, inaccurate/negative reporting as they stated the closure will be reported to XXXX, and I'm without my check that I worked XXXX weeks for. This was my check to get me out of the hole, but not only am I victim of fraud, I'm a victim of big banks because they won't release my funds and approve a claim that is clearly fraud against me. \n\nBank of America is violating Reg E from their inaccurate claim review process. They advertise {$0.00} fraud liability, but when you're a victim of fraud they do not honor that statement. And I see that from my own personal case and the MANY reviews online. \n\nThey are violating FCRA by furnishing inaccurate negative information about my checking account. If it does not say account was closed due to customer was a victim of fraud, then it's inaccurate. And there are several UDAAP violations as the banks failure to properly review my claim has caused me significant monetary and non-monetary harm. The bank also approved over {$5000.00} in transactions when there were only a couple of XXXX dollars in the account, negligence on the banks part!","date_sent_to_company":"2022-07-11T21:04:46.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"28214","tags":null,"has_narrative":true,"complaint_id":"5758934","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-07-11T20:15:08.000Z","state":"NC","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":["I did not give anyone authorization to make these fraudulent charges as the bank states and I sure <em>didn't</em> make them myself. This is just their excuse to not cover the charges. \n\nMy actual check that was <em>direct</em> <em>deposited</em> into my account on XX/XX/XXXX was taken by the bank and they will not release my funds."]},"sort":[17.193142,"5758934"]},{"_index":"complaint-public-v1","_id":"5809905","_score":17.073795,"_source":{"product":"Checking or savings account","complaint_what_happened":"I traveled to California to visit family the last week of XXXX. I was at my neighbor 's house for XXXX of XXXX and received an email saying that my account was low and that my transaction was sent. When I opened up my account to find out I had only {$13.00} in there. It showed that payments went through XXXX and one through XXXX. {$500.00}. {$600.00}. {$180.00}. {$500.00}. {$200.00}. And {$400.00}. Those were unauthorized transactions. \nI then called the fraud department and filed my report with them, she asked me about the XXXX {$200.00}. deposits that where put into my account from XXXX XXXX XXXX I was not working at that time so I had nothing to deposit. I did tell her that and that I didn't authorize any of those transactions and that I did not deposit any checks. \nShe said my report was now filed and that my mobile banking was on hold and would only receive direct deposits and that I would hear from them within 7-10 business days.\n\nI called them around the 7 day mark to get an update on my report and they said it was still under investigation. I did receive copies of those two deposits in the mail, but because they were fraud I did not deposit them. I took them into my local branch and they disposed of them. I did call the fraud department again on XX/XX/22 to let them know they sent me those checks and that it was not my money, he said that he would fix that and put it into the report. \nOn XX/XX/22 I received letters in the mail stating that they denied my claims. I called them to find out why and she said that the report had no notes in it other then the two deposits. She asked if I told the whole story to the other person I had spoken to and I said yes, but they never added it into the report. She told me that because it went through XXXX, through the app that they said I authorized it. I told her that they were all unauthorized transactions and she said I can dispute the denial and try it again but it's going to be a very slim chance that I'll get anything back.","date_sent_to_company":"2022-07-26T19:27:03.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"40351","tags":null,"has_narrative":true,"complaint_id":"5809905","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2022-07-26T18:04:54.000Z","state":"KY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Non-sufficient funds and associated fees"},"highlight":{"complaint_what_happened":["She said my report was now filed and that my mobile banking was on hold and would only receive <em>direct</em> <em>deposits</em> and that I would hear from them within 7-10 business days.\n\nI called them around the 7 day mark to get an update on my report and they said it was still under investigation. I did receive copies of those two <em>deposits</em> in the mail, but because they were <em>fraud</em> I did not <em>deposit</em> them. I <em>took</em> them into my local branch and they disposed of them."]},"sort":[17.073795,"5809905"]},{"_index":"complaint-public-v1","_id":"8867105","_score":17.056795,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I opened an account with truist bank to deposit a social security check that came in the mail, I had been waiting on. So i trusted truist and went to the bank with the check on XXXX XXXX which was a friday , I knew it couldve took intill monday I was fine with that. they deposited the XXXX into the account with no problems with bank tellers .It was deposited into the account between the XXXX mark. I couldnt use my money yet because it was the weekend which was okay and I was waiting on my card to come in the mail .The next coming day my account was deducted XXXX  and then I called the bank they said they didnt see the transaction that i seen in my online app that said it was from truist . The next upcoming day the account was placed on hold then was locked. So couldnt access my online account . I called the bank they didnt say much, I went inside the supervisor called the fraud department and they said everything looked good and their still looking into it . The supervisor gave me the fraud department number and told me that someone would reach out by XXXX XXXX XXXX  so five days , noone reached out i reached out to the number they gave to me , Early in the morning and they said the analyst was still reviewing my case and to reach out later on i asked to speak to the analyst i was told that they dont have a contact to be reached on. So okay i waited to call back later that day around XXXX called them back and they told me the analyst left a note saying they still dont know why my money wont be released.they will reached out to me in another 4,5 days . At this point there being very unprofessional and inconvenient. I know the check is vaild and ive been receiving social security my whole life i usually get it direct deposited but this time it was a check. They need to reach out to the government or whoever on the check or give me my check back so i can go take my business somewhere else.They still cant give me no reasoning and I know my check is valid.There moving very slow like they dont value their customers. They also dont have no XXXX  or XXXX  fraud department specialist when I asked the man i was speaking to.","date_sent_to_company":"2024-04-27T01:22:40.000Z","issue":"Problem with customer service","sub_product":"Money order, traveler's check or cashier's check","zip_code":"30291","tags":null,"has_narrative":true,"complaint_id":"8867105","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2024-04-27T00:40:57.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I called the bank they <em>didnt</em> say much, I went inside the supervisor called the <em>fraud</em> department and they said everything looked good and their still looking into it ."]},"sort":[17.056795,"8867105"]},{"_index":"complaint-public-v1","_id":"18275309","_score":16.995874,"_source":{"product":"Checking or savings account","complaint_what_happened":"It's with synchrony bank I had a CD account and money mutual account and I have a high yield savings it started with them putting a restriction on all my accounts and than not telling me anything when I called I waited than they closed my CD and kept restrictions on my other 2 accounts and I called again verified my identity and they told me that they believe my external account linked didn't really belong to me and the second thing they told me was it was cause I went negative XXXX dollar they restricted it and my direct deposit payed it back when I got paid and now they won't tell me anything more than closed my accounts and left me with one account but took my XXXX dollars in the account and charged me for the 2 closed accounts so I've tried calling the fraud department but they don't. Let me talk to the. The banker tells me they can't give me any information and the only thing they saw on my end that was I was negative XXXX dollar","date_sent_to_company":"2025-12-24T19:02:16.000Z","issue":"Closing an account","sub_product":"Savings account","zip_code":"92805","tags":null,"has_narrative":true,"complaint_id":"18275309","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-12-24T18:47:53.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Fees charged for closing account"},"highlight":{"complaint_what_happened":["it and my <em>direct</em> <em>deposit</em> payed it back when I got paid and now they won't tell me anything more than closed my accounts and left me with one account but <em>took</em> my XXXX dollars in the account and charged me for the 2 closed accounts so I've tried calling the <em>fraud</em> department but they don't."]},"sort":[16.995874,"18275309"]},{"_index":"complaint-public-v1","_id":"7591126","_score":16.728258,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX I filed a compliant for Early Warning Services for reporting information without my written permission and that I wanted to appeal what XXXX  XXXX XXXX had placed an reported on my Early Warning Consumer report stating That my account was closed do to \" suspected fraud '' which has put my life and quality of life under complete distress, because I can not open any bank accounts because of this I have also previously filed a compliant with XXXX  XXXX XXXX asking them to validate this accusation of \" suspected fraud '', and their response was that I did not follow the \" overdraft policy '' Which during the time I was getting a direct deposit bi weekly of {$2500.00}, on a Monday of a week I was getting a direct deposit I paid a bill which overdraft my account of about XXXX which that Friday they took along with the overdraft fee, and the following week my account was closed without notice.. hence them reporting me to Early Warning for Suspected Fraud. How is it Fraud to use Overdraft protection that I signed up for and was paying for. \n\nI have never been accused of anything like this with any other banking institutions, and I explained all of this to Early Warning Services, The first Early Warning Agent I spoke with after I filed the compliant on XX/XX/XXXX stated that I had 5 accounts with XXXX  XXXX XXXX, thinking someone was using my information I filed an FTC report and sent it to them so they blocked the information but after speaking with a different Early Warning agent, they stated that I did'nt have 5 accounts open, but 5 disputes. I was beyond livid with this miscommunication because I never stated the account wasn't mines I just wanted to dispute the validity of the information and challenge there reporting for not having my written permission to report anything on their consumer reporting site. The information remains holding me back from opening any accounts, I am weary of having to go through all of this when i know and XXXX  XXXX XXXX knows I did not commit fraud on my account someone needs to hold them responsible.","date_sent_to_company":"2023-09-22T22:09:16.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"77054","tags":null,"has_narrative":true,"complaint_id":"7591126","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2023-09-22T21:43:10.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["accusation of \" suspected <em>fraud</em> '', and their response was that I did not follow the \" overdraft policy '' Which during the time I was getting a <em>direct</em> <em>deposit</em> bi weekly of {$2500.00}, on a Monday of a week I was getting a <em>direct</em> <em>deposit</em> I paid a bill which overdraft my account of about XXXX which that Friday they <em>took</em> along with the overdraft fee, and the following week my account was closed without notice.. hence them reporting me to Early Warning for Suspected <em>Fraud</em>."]},"sort":[16.728258,"7591126"]},{"_index":"complaint-public-v1","_id":"14097048","_score":16.701859,"_source":{"product":"Checking or savings account","complaint_what_happened":"I applied for a loan online {$5000.00}. I received a call saying I was approved for a lesser amount. They gathered addition information. Once that was completed they said they needed to verify that the bank account was truly mine, after they sent the contract for me to sign. I was told it would be a direct deposit into my account, but they needed to do a test amount first, through XXXX I informed them I was having issues with XXXX. I was then put on hold, they came back saying they could do a direct test amount, I agreed thinking it would be like {$1.00} but it was way more, {$520.00} I was told to send it back for verification and I did, but the loan person said it didnt come through, I then took a screen shot to show proof, but the caller sent a second test amount before the received my photo. The second one was for {$450.00} Again I was told it didnt come back through. I was then told that one of the agent could help me because she had an account and I was given her info, by her, she got on the call, because I didnt was to be accused of theft, I did as asked. Once it was all done and funds returned. I was told my loan would be in my account {$4000.00} in 20-30 mins. I waited 45mins before checking. When I did I saw a dispute along with a adjustment total in all for the amount of {$1600.00} including test amount, I then called Navy Federal, explained all that happened and was told a investigation would be preformed, I would get a response within 3-5 business day, I was told I needed to get a new card and another account number. I was told to provide proof of call along with any documents. I did all that I was asked to do, but in less then 24hours I was denied. I called back to my bank to find out why and asked for proof, I was not supplied with the information nor was it explained why a decision was made so soon. I was told because it looked like I filed a dispute for services and the person won. They also never said where the adjustment amount came from, the bank then took what money I did have from me. I then appealed the decision and it took over a month of back-and-forth, then My account was closed and I was told I owe {$1600.00}. I was also told from Navy federal dispute department that the person I spoke to XX/XX/scrub>/2024 didnt type what I told her, she made it look like I was filing a dispute instead of fraud/hacking/ scam. To date this has effected my banking ability along with credit report.","date_sent_to_company":"2025-06-16T18:52:14.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"33823","tags":null,"has_narrative":true,"complaint_id":"14097048","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-06-16T17:50:04.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I was told it would be a <em>direct</em> <em>deposit</em> into my account, but they needed to do a test amount first, through XXXX I informed them I was having issues with XXXX."]},"sort":[16.701859,"14097048"]},{"_index":"complaint-public-v1","_id":"12624972","_score":16.641535,"_source":{"product":"Checking or savings account","complaint_what_happened":"I was called by Chime to update my identity. XXXX seconds later they changed my phone number. I was on the phone with Chime the same time they locked me out of my account, changed my phone number, transfered my savings to checking, borrowed my paycheck money on top of that and transfered it to some cashpp fraud and my XXXX ccount has been closed a year. Took the entire day XX/XX/XXXX to get back in my account transfer was found. After my employer stopped direct deposit they were able to dispite the problem and i have proof I was on the phone with Chime the same time it was transfered I didnt authorize and i couldnt get XXXX employees there to stop it or help me. Now being disputed with terms of 90 days against the law. I cant pay my bills, have no other bank, been there 3 years so they build trust to steal money income tax money. I dont talk to nobody and nobody has m info or ever will but them. Please help. I sent XXXX pictures of proof to Chime, but banks are aloud to steal? I dont understand.","date_sent_to_company":"2025-03-24T14:12:49.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"446XX","tags":null,"has_narrative":true,"complaint_id":"12624972","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-03-24T13:41:25.000Z","state":"OH","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["After my employer stopped <em>direct</em> <em>deposit</em> they were able to dispite the problem and i have proof I was on the phone with Chime the same time it was transfered I <em>didnt</em> authorize and i couldnt get XXXX employees there to stop it or help me. Now being disputed with terms of 90 days against the law. I cant pay my bills, have no other bank, been there 3 years so they build trust to steal money income tax money. I dont talk to nobody and nobody has m info or ever will but them. Please help."]},"sort":[16.641535,"12624972"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":238,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":238}]}},"product":{"doc_count":238,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":156,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":139},{"key":"Savings account","doc_count":9},{"key":"Other banking product or service","doc_count":7},{"key":"CD (Certificate of Deposit)","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":36,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Domestic (US) money transfer","doc_count":17},{"key":"Mobile or digital wallet","doc_count":10},{"key":"Virtual 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