{"took":163,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":327,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6256721","_score":16.994915,"_source":{"product":"Checking or savings account","complaint_what_happened":"Today, XX/XX/XXXX, XXXX I was going through emails and noted that on XX/XX/2022 at XXXX I received an email from Bank of America XXXX that an online application was in process. \nI received a second email from Bank of America XXXX with the exact same time stamp as above reading your application was approved. The contents of that email read that my new account was open for Bank of America XXXX XXXX Banking, including an account number. \nI have a third email from the same address with the time stamp of XX/XX/2022 at XXXX with a link to view service agreement. \n\nI did not open such account and do not bank with Bank of America. \n\nAfter seeing these emails, I immediately do a search for the email address that sent them and also searching for other reports of the same incident- I came across a huge XXXX XXXX with the users posting the exact same complaint, with the most recent post being today. The users claimed they made attempts to call Bank of America and report the fraud- and every post stated Bank of America could not assist with the report because of various reasons. Most users reported they had to start the process by submitting a complaint through this website- which is why I have not contacted Bank of America and submitting my complaint first.","date_sent_to_company":"2022-11-29T11:56:49.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"28078","tags":null,"has_narrative":true,"complaint_id":"6256721","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-11-29T11:31:22.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account opened as a result of fraud"},"highlight":{"complaint_what_happened":["The users claimed they made attempts to call Bank of America and report the <em>fraud</em>- and every <em>post</em> <em>stated</em> Bank of America could not assist with the report because of various reasons. Most users reported they had to start the process by submitting a complaint through this website- which is why I have not contacted Bank of America and submitting my complaint first."],"sub_issue":["Account opened as a result of <em>fraud</em>"]},"sort":[16.994915,"6256721"]},{"_index":"complaint-public-v1","_id":"23279983","_score":16.755508,"_source":{"product":"Credit card","complaint_what_happened":"Subject : Formal Billing Error Notice and Demand for Transaction-Specific Explanation To Whom It May Concern : I dispute Barclays conclusion that the remaining balance on my XXXX XXXX account is valid, and I demand that Barclays reopen this matter and answer the specific transaction and payment issues identified below.\n\nThis is not a generic repeat complaint. Barclays has already made specific factual assertions about certain transactions and payments. I am requiring Barclays to support those assertions directly.\n\nBarclays has stated that : 1. the two XXXX XXXX XXXX XXXX transactions posted on XX/XX/XXXX in the amounts of {$6900.00} and {$450.00} were valid and were allegedly verified by me ; 2. later XXXX  and XXXX  transactions were treated as fraud and credited ; 3. three payments in the XXXX XXXX period were reversed, including one labeled CUSTOMER ADVISES NOT AUTHORIZED and two labeled INSUFFICIENT FUNDS ; 4. the remaining balance is valid ; and 5. Barclays will not assist further.\n\nI dispute that Barclays has sufficiently substantiated those conclusions.\n\nThis is a billing-error dispute under 15 U.S.C. 1666 and 12 C.F.R. 1026.13. The disputed issues include whether the extension of credit was authorized, whether Barclays properly reflected payments and credits, whether Barclays committed an accounting error, and whether Barclays has provided the documentary clarification required once these items were disputed. In addition, under 15 U.S.C. 1643 ( b ), if Barclays seeks to enforce liability for credit-card use, Barclays bears the burden of proving that the use was authorized.\n\nAccordingly, Barclays must answer the following specific questions : 1. As to the two XXXX XXXX XXXX XXXX transactions : a. Does Barclays possess a signed sales draft, signed transaction receipt, or electronically authenticated receipt for either transaction?\n\nb. Were these transactions processed as card-present or card-not-present?\n\nc. If card-present, what specific authentication does Barclays contend proves authorization, including chip-read, contactless authentication, PIN entry, or other point-of-sale verification?\n\nd. If card-not-present, what specific authorization data does Barclays rely on, including AVS result, CVV result, 3-D Secure result, IP/device data, or equivalent merchant authentication?\n\ne. On what exact date does Barclays contend that I verified these transactions, and what exact transaction information was presented to me during that alleged verification?\n\n2. As to Barclays treatment of later XXXX charges as fraud : Barclays credited later transactions from XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX as fraud, yet continues to maintain that the earlier XXXX XXXX charges were valid. Barclays must explain specifically what objective difference it relies on to treat one group as fraud and the other as valid. \n\n3. As to the XX/XX/XXXX payment reversal of {$6900.00} labeled CUSTOMER ADVISES NOT AUTHORIZED : a. Who allegedly advised Barclays that this payment was unauthorized?\n\nb. On what exact date was that instruction received?\n\nc. By what channel was it received?\n\nd. What exact basis did Barclays rely on to reverse that payment?\n\n4. As to the XX/XX/XXXX and XX/XX/XXXX payment reversals of {$7400.00} and {$6600.00} labeled INSUFFICIENT FUNDS : a. What exact return reason did Barclays receive for each payment?\n\nb. On what exact date did Barclays receive each return?\n\nc. What proof does Barclays rely on to conclude those reversals were proper?\n\n5. As to Barclays own inconsistent written explanation : Barclays XX/XX/XXXX response states that certain fraud credits posted on XX/XX/XXXX, while also stating that those same items were posted and credited in the same XX/XX/XXXX through XX/XX/XXXX billing cycle. Barclays must explain this inconsistency.\n\n6. As to the account-number chain : Barclays has referred to the disputed activity as though it cleanly belongs to account ending in XXXX, while the statement history reflects disputed activity under a different card ending during the relevant period. Barclays must explain the exact basis on which it attributes those transactions and balances to the current account ending.","date_sent_to_company":"2026-06-17T00:27:30.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"90036","tags":null,"has_narrative":true,"complaint_id":"23279983","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2026-06-17T00:24:41.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["As to Barclays own inconsistent written explanation : Barclays XX/XX/<em>XXXX</em> response states that certain <em>fraud</em> credits <em>posted</em> on XX/XX/<em>XXXX</em>, while also <em>stating</em> that those same items were <em>posted</em> and credited in the same XX/XX/<em>XXXX</em> through XX/XX/<em>XXXX</em> billing cycle. Barclays must explain this inconsistency.\n\n6."]},"sort":[16.755508,"23279983"]},{"_index":"complaint-public-v1","_id":"3015126","_score":16.267935,"_source":{"product":"Debt collection","complaint_what_happened":"I recently filed a complaint, XXXX-XXXX  about DIVERSIFIED CONSULTANTS, INC for posting a fraudulent collection on my XXXX  credit report. Prior to this complaint I posted a complaint, XXXX-XXXX about XXXX XXXX XXXX, XXXX. for the exact same fraudulent collection posted on my XXXX   credit report. \nBoth companies posted that the debt was due to XXXX XXXX XXXX. As I stated in my prior complaints, I have contacted XXXX XXXX XXXX numerous times in regard to these fraudulent collections and XXXX XXXX XXXX has not sent my account to collections. I am in stellar standing with XXXX XXXX XXXX. \nWhen I contacted XXXX XXXX XXXX in regard to what XXXX XXXX XXXX told me the operator said that the collection was actually paid and that they no longer had a collection account for me. That was bizarre to say the least. \nA few weeks later the EXACT SAME collection was posted by Diversified Consultants , inc . \n1. How can Diversified Consultants, Inc. post a collection that XXXX XXXX XXXX said was PAID? \n2. How can Diversified Consultants, Inc. post a collection that no longer exists?\n\n3. How can Diversified Consultants, Inc. post a fraudulent collection on my credit report, the same fraudulent collection that XXXX XXXX XXXX already had posted? \nI immediately called XXXX  and filed the above complaint against Diversified Consultants , Inc.. \n\nXX/XX/2016 I received a form from Diversified Consultants, an Identity Theft Victim 's Complaint and Affidavit. This form is to be filled out by the person it is addressed to, which the first name and last name are incorrect and now, because I filed a complaint, this scam of a company has my mailing address. The form requests that I contact XXXX XXXX XXXX, Yes I have done this a dozen times in the last four weeks and XXXX XXXX XXXX has NEVER sent me to collections. \nI have to send back this form with more of my personal information, like drives license, valid photo ID and so on. Why on earth would I send any further personal information to this company? This is such blatant fraud it is outrageous. \n\nI will not be filling out this form. I will consistently file complaints with the CFPB, XXXX XXXX XXXX and XXXX regarding both XXXX XXXX XXXX and Diversified Consultants, Inc. for fraudulent activities on my credit report. \nI do not want this company sending me any further mail or contacting me in anyway. \nBoth of these companies are scammers and I have no idea how they are able to operate.","date_sent_to_company":"2018-09-10T19:37:52.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"84103","tags":null,"has_narrative":true,"complaint_id":"3015126","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Diversified Consultants, Inc.","date_received":"2018-09-10T19:12:18.000Z","state":"UT","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I recently filed a complaint, <em>XXXX</em>-<em>XXXX</em>  about DIVERSIFIED CONSULTANTS, INC for posting a fraudulent collection on my <em>XXXX</em>  credit report. Prior to this complaint I <em>posted</em> a complaint, <em>XXXX</em>-<em>XXXX</em> about <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em>. for the <em>exact</em> same fraudulent collection <em>posted</em> on my <em>XXXX</em>   credit report. \nBoth companies <em>posted</em> that the debt was due to <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>."]},"sort":[16.267935,"3015126"]},{"_index":"complaint-public-v1","_id":"7685650","_score":16.030554,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/2023, I called Citi to report fraud on my credit card. They had sent me messages about potential charges which I was able to catch before they went through. I mentioned on this date by way of phone as well that although they caught most of the fraud charges HOWEVER XXXX total charges for {XXXX for \" XXXX XXXX XXXX XXXXXXXX XXXX  '' ( so XXXX total ) were pending. They said \" don't worry about it, it will drop off ''. On XX/XX/XXXX I called to let them know that these charges did NOT drop off but posted. They started a fraud dispute. \n\nOn XX/XX/XXXX, Citi requested I sign XXXX sheets of paper which I sent back by way of email to XXXX on XX/XX/XXXX for the XXXX charges. See attached for the exact XXXX sheets of paper i sent back. ( This likely confused Citi because they stupidly asked for the same EXACT paper to be signed twice with the same exact dispute number which was XXXX, don't you think since it was XXXX transactions I would need to sign XXXX different pieces of paper with different numbers? ). \n\nOn XX/XX/XXXX, I took a screenshot of the dispute portal because it switched to \" Thanks for sending us more info '' for XXXX fraud charge, while for the other fraud charge still stated \" We need more info ''. See screenshot XXXX! \n\nThinking that was weird, that XXXX charge moved to \" Thanks for sending us more info '' and the other didn't, I resent the XXXX sheets of paper a XXXX time on XX/XX/XXXX. \n\nToday XX/XX/XXXX, I noticed that Citi reversed the fraud credit for XXXX fraudulent charges while issuing a credit for the other one. On XX/XX/XXXX I called with an attempt to get this resolved and was transferred at LEAST XXXX  times with no direct success. As of today there is still a reversed XXXX  bill on my XXXX  card ( the other credit for the other charge was successful ).","date_sent_to_company":"2023-10-13T04:03:01.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"551XX","tags":null,"has_narrative":true,"complaint_id":"7685650","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-10-13T03:27:18.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["On XX/XX/<em>XXXX</em> I called to let them know that these charges did NOT drop off but <em>posted</em>. They started a <em>fraud</em> dispute. \n\nOn XX/XX/<em>XXXX</em>, Citi requested I sign <em>XXXX</em> sheets of paper which I sent back by way of email to <em>XXXX</em> on XX/XX/<em>XXXX</em> for the <em>XXXX</em> charges."]},"sort":[16.030554,"7685650"]},{"_index":"complaint-public-v1","_id":"1842985","_score":15.852858,"_source":{"product":"Prepaid card","complaint_what_happened":"I called in to customer service to report XXXX fraudulent transaction on the exact same day. I was told by the representative to wait until the transaction post because the merchant place a hold on the funds. After waiting the 2 days I called in to report that I had been charged for XXXX transaction that I did n't authorize and was told to complete a dispute regarding both transaction in question. I completed the dispute and followed up many times to check the status of the claim. I was told several times that that merchant has not responded and it may take up to 45 days. However I asked the representative why every time I call in the fraud department they would transfer me to customer service and she stated because they filed the claim and not the fraud department. After the dispute was over I received an email that the merchant provided information to support that the transaction was valid and I would not receive my funds. I was told by the representative that the agent that took the claim filed it as a billing error and not a fraud claim. The representative stated that she would email the dispute team to have them to re-open the claim. I called back to follow up and was told that they had decline to open the claim and I would not receive a refund.","date_sent_to_company":"2016-03-23T12:48:07.000Z","issue":"Unauthorized transactions/trans. issues","sub_product":"General purpose card","zip_code":"75149","tags":null,"has_narrative":true,"complaint_id":"1842985","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2016-03-21T20:42:03.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I called in to customer service to report <em>XXXX</em> fraudulent transaction on the <em>exact</em> same day. I was told by the representative to wait until the transaction <em>post</em> because the merchant place a hold on the funds. After waiting the 2 days I called in to report that I had been charged for <em>XXXX</em> transaction that I did n't authorize and was told to complete a dispute regarding both transaction in question. I completed the dispute and followed up many times to check the status of the claim."]},"sort":[15.852858,"1842985"]},{"_index":"complaint-public-v1","_id":"15047405","_score":15.157567,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2025, a charge of {$1000.00} was made via mobile purchase at USPS XXXX, NJ on my Bank of America account. I did not authorize this transaction, and no one else has permission to use my card. I do not have a XXXX XXXX or use any USPS services. \n\nI reported the fraud the same day ( XX/XX/XXXX ), and Bank of America issued a temporary credit on XX/XX/XXXX. On XX/XX/XXXX, they denied my claim, stating that the transaction was made by me or someone with permission to use my card. That is not true. \n\nI requested a review of the denial, and on XX/XX/XXXX, I received another denial with the exact same generic explanation, without any new evidence or proof of a thorough investigation. \n\nI am the only authorized user of my account. This {$1000.00} charge at a post office is highly suspicious and unjustified. \n\nBank of America failed to conduct a proper investigation as required by the Electronic Fund Transfer Act ( EFTA ). I am requesting a full refund of {$1000.00} and ask that the CFPB hold the bank accountable for mishandling this fraud claim.","date_sent_to_company":"2025-08-01T14:08:32.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"01890","tags":null,"has_narrative":true,"complaint_id":"15047405","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-08-01T13:54:50.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["On <em>XX/XX</em>/2025, a charge of {$1000.00} was made via mobile purchase at USPS <em>XXXX</em>, NJ on my Bank of America account. I did not authorize this transaction, and no one else has permission to use my card. I do not have a <em>XXXX</em> <em>XXXX</em> or use any USPS services. \n\nI reported the <em>fraud</em> the same day ( XX/XX/<em>XXXX</em> ), and Bank of America issued a temporary credit on XX/XX/<em>XXXX</em>. On XX/XX/<em>XXXX</em>, they denied my claim, <em>stating</em> that the transaction was made by me or someone with permission to use my card."]},"sort":[15.157567,"15047405"]},{"_index":"complaint-public-v1","_id":"6439748","_score":15.0057745,"_source":{"product":"Student loan","complaint_what_happened":"Hi, I am a XXXX XXXX  who was a victim of fraud. Years ago I received an email from a lawyer company stating I was a victim of student debt collection fraud. Years have gone by, I never heard from the company but what I attempted to do was call Bank of America at the time about the automatic payments I was paying over the year ( s ) to pay off my college loans. They said I needed to get in touch with Rams payment services. At that point it was too late. The company had changed all their information, I was locked out of my ramserving.com account and Bank of America refused to investigate. It had been maybe 2-3 years, post automatic payments of $ XXXX. To be exact XXXX. The website of the company that emailed about the student debt collection fraud was : XXXX XXXX XXXXXXXX They were horrible at keeping up with those we were scammed. As of today, I never heard back from them. \n\nTo my surprise, today I found out Bank of America was forced by CFPB to pay out those who were scammed for student debt to that same exact company! My heart sank when I read the article because, I struggled to pay those student loans. I worked over time, and I was a XXXX XXXX. I literally left my kid with a sitter so I could pay off my loans. Here is the article : XXXX XXXX XXXX I have all the proof in my email. I never deleted just in case one day I would have an opportunity to get my money back. Can you please assist me in getting my hardworking money back? The deductions are on my bank statements, and I have the emails to prove I was paying.","date_sent_to_company":"2023-01-14T07:17:31.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Private student loan","zip_code":"945XX","tags":null,"has_narrative":true,"complaint_id":"6439748","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-01-14T06:51:12.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive services that were advertised"},"highlight":{"complaint_what_happened":["It had been maybe 2-3 years, <em>post</em> automatic payments of $ <em>XXXX</em>. To be <em>exact</em> <em>XXXX</em>. The website of the company that emailed about the student debt collection <em>fraud</em> was : <em>XXXX</em> <em>XXXX</em> XXXXXXXX They were horrible at keeping up with those we were scammed. As of today, I never heard back from them. \n\nTo my surprise, today I found out Bank of America was forced by CFPB to pay out those who were scammed for student debt to that same <em>exact</em> company!"]},"sort":[15.0057745,"6439748"]},{"_index":"complaint-public-v1","_id":"14842691","_score":14.93592,"_source":{"product":"Checking or savings account","complaint_what_happened":"Upon me checking my bank statements I noticed several transactions over the course of XX/XX/2025 that had been deducted from my account of {$1000.00} each. There were a total of six transactions total. I contacted the bank the moment I noticed the transactions had posted onto my account. From the time I filed my claim, five transactions posted and one transaction was pending. all five transactions that were posted were not honored and stated that there was no error occurred, however, the pending transaction was for the exact same amount for the same merchant and under the same type of claim that it was a fraudulent transaction and they honored this transaction. But left me hanging for the remaining 5 transactions. \n\nI reached out to the merchant/creditor XXXX XXXX to provide me supporting information that I did not perform these transactions. They were able to confirm that these transactions were indeed fraudulent, and I needed to speak with my bank directly to dispute the charges. I have submitted my claim for a second review once on XX/XX/2025 and XX/XX/2025. Each time I submitted a statement answering the identity theft affidavit, and sent emails from the merchant supporting the fact that these transactions were fraudulent. I was told that this investigation can take up to 90 days and we have surpassed the 90 days I have yet to receive credit for the {$5000.00} remaining From Navy Federal credit Union. \nThey are not honoring the XXXX Liabilty protection on my account these transactions were never authorized and I did not even have an account with the company. This is fraud","date_sent_to_company":"2025-07-23T13:57:43.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"92324","tags":"Servicemember","has_narrative":true,"complaint_id":"14842691","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-07-23T13:41:27.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["From the time I filed my claim, five transactions <em>posted</em> and one transaction was pending. all five transactions that were <em>posted</em> were not honored and <em>stated</em> that there was no error occurred, however, the pending transaction was for the <em>exact</em> same amount for the same merchant and under the same type of claim that it was a fraudulent transaction and they honored this transaction. But left me hanging for the remaining 5 transactions."]},"sort":[14.93592,"14842691"]},{"_index":"complaint-public-v1","_id":"1896888","_score":14.621773,"_source":{"product":"Credit card","complaint_what_happened":"On XXXX XXXX I used a check to pay off my balance to Wal-Mart in store ( serviced by Synchrony Bank ). i checked back 24 hrs later and the payment had not yet posted. I checked with XXXX XXXX, who my account is with and they showed that the payment was pending but had been presented and would clear my account that evening. I called to check if payamtn had posted and it had not. I then spoke with a rep from Synchony and he told me that my payment was on time but credit would be held for 19 more days. I then spoke with a supervisor and he stated that because I had paid the exact amount that I could be trying to commit fraud by paying the balance and then going out and making more purchases and then dispute the payment and going over my limit and that hey can hold that payment for up to 21 days. I told him that once a check has cleared and into their hands that it can not be disputed unless I can prove I did not present it. I basically said that by lowering my limit to XXXX dollars it was hurting my score and that I was going to file a complaint. He said that I could do what I wanted but that they can adjust my limit anytime they wanted too. I took this to mean that if I did file that they may keep it lowered and possibly do this to other accounts they service. To this date, my limit is till XXXX dollars.","date_sent_to_company":"2016-04-26T17:04:43.000Z","issue":"Other","sub_product":null,"zip_code":"78613","tags":null,"has_narrative":true,"complaint_id":"1896888","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2016-04-26T17:04:42.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["On <em>XXXX</em> <em>XXXX</em> I used a check to pay off my balance to Wal-Mart in store ( serviced by Synchrony Bank ). i checked back 24 hrs later and the payment had not yet <em>posted</em>. I checked with <em>XXXX</em> <em>XXXX</em>, who my account is with and they showed that the payment was pending but had been presented and would clear my account that evening. I called to check if payamtn had <em>posted</em> and it had not."]},"sort":[14.621773,"1896888"]},{"_index":"complaint-public-v1","_id":"7090097","_score":14.44587,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX is charging fees that are excessive and posted in an order to assure that they are able to charge as many fees as possible. I was going through a financial hardship last year and also dealt with fraud. My account had accrued over {$900.00} in NSF Fees. I was unable to get my head above water for weeks. Every paycheck that was deposited was being depleted with NSF Fees. I finally made the decision to leave the bank in XXXX of XXXX. I got a letter from a debt collection agency ( XXXX XXXX ) this week stating I owe South State {$220.00}. I have tried to access my bank statements as they were e-statements so i could see the exact amount of NSF Fees I have paid them. Please look into this and request they send a statement showing these fees. I called the home office and spoke with a representative and told them I was unaware of opting in for overdraft protection. For debit card transactions at ATMs or at merchants, consumers must opt-in, or agree up front, that the bank can charge you an overdraft fee for any debit card transaction that overdraws the account. If you dont opt-in, you cant be charged a fee. I told this representative that I did not want this and to please remove it from my account. They continued to charge me fees.","date_sent_to_company":"2023-06-08T19:39:43.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"291XX","tags":null,"has_narrative":true,"complaint_id":"7090097","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SOUTHSTATE BANK CORPORATION","date_received":"2023-06-08T19:06:13.000Z","state":"SC","company_public_response":null,"sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> is charging fees that are excessive and <em>posted</em> in an order to assure that they are able to charge as many fees as possible. I was going through a financial hardship last year and also dealt with <em>fraud</em>. My account had accrued over {$900.00} in NSF Fees. I was unable to get my head above water for weeks. Every paycheck that was deposited was being depleted with NSF Fees. I finally made the decision to leave the bank in <em>XXXX</em> of <em>XXXX</em>."]},"sort":[14.44587,"7090097"]},{"_index":"complaint-public-v1","_id":"17906697","_score":14.429713,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a complaint regarding VyStar credit unions failure to handle a fraud attempt. \n\nOn XX/XX/XXXX I ordered XXXX item from XXXX for {$53.00}. On XX/XX/2025 a total of XXXX unauthorized charges for {$53.00} each were made to my bank account from XXXX. I did not authorize these charges. The total amount is approximately {$1100.00}. \n\nMy bank initially flagged XXXX of the charges as potential fraud and reversed them except for the initial charge. However, 11 days later, on XX/XX/2025, the bank re-posted the exact same XXXX charges by XXXX, causing the money to be withdrawn from my account again without any notification or authorization. A total of XXXX identical charges from XXXX. \n\nI contacted the bank, and they told me they could not return the money because they had already flagged it as fraud and that fraud case was closed. XXXX supposedly refunded it, however, no refund has ever posted to my account. The bank and XXXX have not provided any documentation, such as a transaction ID or posting record, showing when or where this refund allegedly occurred. \n\nI contacted XXXX, and they informed me that the refund had already been sent back to the bank. They have not provide proof of the return, and they stated the issue was on the banks side. \n\nThis has resulted in XXXX and the bank each placing blame on the other while I remain without our money. \n\nI explicitly request that the bank comply with its obligations under Regulation E, which requires them to investigate unauthorized electronic fund transfers and provide provisional credit if the transactions are confirmed or suspected to be unauthorized. These transactions were undeniably unauthorized, and I reported them promptly. \n\nDespite this, my bank refuses to return my funds and continues to insist that a refund was already issued, while providing no evidence. \n\nI am asking the CFPB to assist in : XXXX. Requiring the bank to conduct a proper Reg E investigation XXXX. Ensuring the bank restores the full amount of unauthorized charges to my account XXXX. Preventing further unauthorized charges from being incorrectly re-posted This situation has caused me significant financial hardship and stress, and I am simply asking that the bank follow federal law and return the money that was stolen from my account. \n\nThank you for your assistance.","date_sent_to_company":"2025-12-05T02:44:20.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"32092","tags":null,"has_narrative":true,"complaint_id":"17906697","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"VYSTAR CREDIT UNION","date_received":"2025-12-05T02:16:38.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["However, 11 days later, on <em>XX/XX</em>/2025, the bank re-<em>posted</em> the <em>exact</em> same <em>XXXX</em> charges by <em>XXXX</em>, causing the money to be withdrawn from my account again without any notification or authorization. A total of <em>XXXX</em> identical charges from <em>XXXX</em>. \n\nI contacted the bank, and they told me they could not return the money because they had already flagged it as <em>fraud</em> and that <em>fraud</em> case was closed. <em>XXXX</em> supposedly refunded it, however, no refund has ever <em>posted</em> to my account."]},"sort":[14.429713,"17906697"]},{"_index":"complaint-public-v1","_id":"22113703","_score":14.296768,"_source":{"product":"Credit card","complaint_what_happened":"Chase is making me pay for unauthorized XXXX charges that I reported promptly in XX/XX/XXXX, that Chase initially credited, and that were later placed back on my account in XX/XX/XXXX. \nI have sent all evidence and several letters explaining my case, and Chase always comes back with the same resolution : items were delivered, therefore I am responsible for it. I did not place these orders, in fact XXXX deleted them from my account as they were fraudulent. My credit cards was changed also. \nThe disputed transactions are : XXXX. XXXX XXXX XXXX Posted date : XX/XX/XXXX [ confirm exact date on statement ] XXXX charged : {$560.00} Description : XXXX fans I did not order the fans. The only item in that order that I recognize is socks for {$18.00}. I also tested a return of one fan and received an XXXX credit of {$17.00}. \nXXXX socks in the order {$18.00} These I ordered. \nXXXX still disputed for this order : {$520.00} XXXX. XXXX XXXX XXXX Posted date : XX/XX/XXXX [ confirm exact date on statement ] Amount charged to Chase : {$360.00} Additional XXXX XXXX card balance used : {$14.00} Description : tea tree oil products I did not order these products. In addition to the {$360.00} charged to my Chase card, this order also used {$14.00} of my XXXX gift card balance that was already on file. \nTotal disputed amount for this order : {$370.00} Total amount disputed : {$900.00} The facts supporting my dispute are as follows : 1. I reported these charges as fraud immediately in XX/XX/XXXX. \n2. Chase initially credited the disputed.\n\n3. The charges were later placed back on my XX/XX/XXXX statement. \n4. I did not authorize these purchases.\n\n5. I would have returned the items immediately in XX/XX/XXXX to avoid all of this. However, once I reported the fraud, the disputed orders were removed from visibility in my XXXX account as the matter was allegedly under review, and I no longer had an order available to return. \n6. Before the orders disappeared, while they were still visible in my XXXX account, I attempted to process a return and saw that the refund was not going back to my Chase card, but instead appeared to be directed to an unknown credit card. That irregularity is what confirmed to me that this was fraud or account compromise, not a purchase I had authorized. \n7. As soon as I reported the fraud, the disputed XXXX orders were removed from visibility in my account as if the matter were under review. From that point forward, the orders could no longer be found in my order history, even when searched by order number, although I had preserved copies of the invoices. \n8. XXXX later sent me a written response stating that I do not need to return the items, that I may donate them to a local charity, and that if my card was used without authorization, I should dispute the charges with my financial institution. XXXX did not state that I authorized these purchases.","date_sent_to_company":"2026-05-12T14:01:17.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"77381","tags":null,"has_narrative":true,"complaint_id":"22113703","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-05-12T13:46:09.000Z","state":"TX","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>Posted</em> date : XX/XX/<em>XXXX</em> [ confirm <em>exact</em> date on statement ] Amount charged to Chase : {$360.00} Additional <em>XXXX</em> <em>XXXX</em> card balance used : {$14.00} Description : tea tree oil products I did not order these products. In addition to the {$360.00} charged to my Chase card, this order also used {$14.00} of my <em>XXXX</em> gift card balance that was already on file."]},"sort":[14.296768,"22113703"]},{"_index":"complaint-public-v1","_id":"18338525","_score":14.142498,"_source":{"product":"Prepaid card","complaint_what_happened":"On XX/XX/year>, two unauthorized charges of one for {$100.00} then for {$95.00} from XXXX posted to my Cash App debit card. \nThese charges showed no matching purchase history in my XXXX ID ( checked multiple times at XXXX and account settings ). \nI immediately secured my account : blocked the merchant XXXX in Cash App, locked my card, reported it lost/stolen, and requested a replacement card. \nEvidence of fraud : An unauthorized sign-in to my XXXX XXXX  occurred from a new XXXX device in XXXX XXXX XXXX California at XXXX XXXXXXXX XXXX  on the day of the charges. I live in Texas and have never been to California. I logged out the device immediately. \nXXXX Support confirmed the charges originated from an unrelated fraudulent account ( not my XXXX ID or anyone I know ). They disabled the fraudulent account, banned my payment method on their side, and documented it as fraud. \nI promptly disputed the transactions as unauthorized in Cash App. Cash App denied the initial dispute, stating it was authorized based on in-app merchant authorization. \nI appealed on XX/XX/year>, providing all evidence : XXXX XXXX chat transcript confirming unrelated fraudulent account, and screenshots of the unauthorized California device sign-in at the exact fraud time. \nCash App denied the appeal as well, without addressing the evidence of account compromise and fraud. \nThese are clearly unauthorized transactions due to fraud/hacking, and I am entitled to a refund under federal law ( Regulation E ). Cash App has failed to properly investigate or refund despite strong proof from both me and XXXX.","date_sent_to_company":"2025-12-29T12:41:54.000Z","issue":"Unexpected or other fees","sub_product":"General-purpose prepaid card","zip_code":"757XX","tags":null,"has_narrative":true,"complaint_id":"18338525","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-12-29T12:09:40.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Cash App denied the initial dispute, <em>stating</em> it was authorized based on in-app merchant authorization. \nI appealed on XX/XX/year>, providing all evidence : <em>XXXX</em> <em>XXXX</em> chat transcript confirming unrelated fraudulent account, and screenshots of the unauthorized California device sign-in at the <em>exact</em> <em>fraud</em> time. \nCash App denied the appeal as well, without addressing the evidence of account compromise and <em>fraud</em>."]},"sort":[14.142498,"18338525"]},{"_index":"complaint-public-v1","_id":"8754243","_score":14.12278,"_source":{"product":"Checking or savings account","complaint_what_happened":"The transactions reported to the XXXX Police department in XXXX, OR on XX/XX/24 were made by XXXX other individuals who were seen in video footage at XXXX XXXX XXXX and XXXX XXXX after testing out the card at the XXXX XXXX, and then making a final purchase at XXXX XXXX XXXX XXXX. I called SoFi Bank and was told that I couldn't report fraud until the transactions posted to my account, which I believe finally happened XX/XX/24. I received my first denial message XX/XX/24. \n\nAl XXXX XXXX XXXX XXXX for {$760.00} XXXX XXXX XXXX XXXX for {$100.00} XXXX Market for {$9.00} Police Case # is XXXX. Police Officer handling my case was The case has now been turned over to the District Attorney 's Office in XXXX, OR. \n\nI provided the certification letter from the police department, our conversation when I submitted the request for evidence, and did multiple times stating that fraud was committed. I've called SoFi customer support for every week since the incident has happened and each time I've been denied with an automated message and no further clarification being told the Claims team can only be reached by email. Each time I receive the denial letter ( the exact same one ), I call customer support and again am told there is nothing I can do but respond to them.","date_sent_to_company":"2024-04-11T17:02:10.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"97502","tags":null,"has_narrative":true,"complaint_id":"8754243","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"SOFI TECHNOLOGIES, INC.","date_received":"2024-04-11T16:20:46.000Z","state":"OR","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["The transactions reported to the <em>XXXX</em> Police department in <em>XXXX</em>, OR on <em>XX/XX</em>/24 were made by <em>XXXX</em> other individuals who were seen in video footage at <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> and <em>XXXX</em> <em>XXXX</em> after testing out the card at the <em>XXXX</em> <em>XXXX</em>, and then making a final purchase at <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>. I called SoFi Bank and was told that I couldn't report <em>fraud</em> until the transactions <em>posted</em> to my account, which I believe finally happened <em>XX/XX</em>/24. I received my first denial message <em>XX/XX</em>/24."]},"sort":[14.12278,"8754243"]},{"_index":"complaint-public-v1","_id":"15881893","_score":14.073855,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXX, I made a purchase at my local XXXX store in XXXX NJ for {$1900.00} using my debit card ending in XXXX. The charge posted correctly once around XXXX. However, a duplicate charge for the exact same amount also appeared on my account on XX/XX/XXXX at XXXX from the same XXXX XXXX store # XXXX. \n\nI contacted XXXX multiple times, but they state they only see one transaction on their end. I also contacted my bank/ [ Cash App ], but they have not provided a resolution. When I submit a duplicate charge complaint CashApp automatically denies it without investigating or giving any details. I submitted a fraud claim on XX/XX/XXXX and have called CashApp numerous times to ask for an update and no one will give me one. They tell me I can not speak with anyone from the fraud dept. The duplicate charge has not been reversed, and I have not received a provisional credit while the dispute/fraud claim is being investigated, which I understand is required under federal law ( Regulation E for debit/Regulation Z for credit ). \n\nThis duplicate charge has overdrawn my account and caused me financial hardship. I am requesting that the CFPB assist in : Requiring XXXX to review and correct the duplicate charge. \n\nRequiring CashApp to follow dispute rules and issue a provisional credit while the matter is under review. \n\nI have attached/uploaded receipts, screenshots of both transactions.","date_sent_to_company":"2025-09-11T16:11:14.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"08332","tags":null,"has_narrative":true,"complaint_id":"15881893","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-09-11T14:11:05.000Z","state":"NJ","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["On XX/XX/<em>XXXX</em>, I made a purchase at my local <em>XXXX</em> store in <em>XXXX</em> NJ for {$1900.00} using my debit card ending in <em>XXXX</em>. The charge <em>posted</em> correctly once around <em>XXXX</em>. However, a duplicate charge for the <em>exact</em> same amount also appeared on my account on XX/XX/<em>XXXX</em> at <em>XXXX</em> from the same <em>XXXX</em> <em>XXXX</em> store # <em>XXXX</em>. \n\nI contacted <em>XXXX</em> multiple times, but they <em>state</em> they only see one transaction on their end. I also contacted my bank/ [ Cash App ], but they have not provided a resolution."]},"sort":[14.073855,"15881893"]},{"_index":"complaint-public-v1","_id":"6524926","_score":13.987921,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I was alerted to Fraudulent Charges sometime in XX/XX/XXXX. I initiated disputes for Fraudulent Transactions that were unauthorized and charged to my account, and viewed statements by CitiCards that were available online. These went back to XX/XX/XXXX, and I found fraudulent and unauthorized charges to my account spanning XX/XX/XXXX - XX/XX/XXXX. Upon learning of these unauthorized charges, I immediately contacted Citi, informed them my card number had been compromised in some way, and initiated fraudulent disputes spanning almost 2 years from XX/XX/XXXX - XX/XX/XXXX. These amounted to total fraud charges around {$40000.00} CitiCards contacted me, conducted a thorough investigation. Citicards concluded the investigation sometime around XX/XX/XXXX. CitiCards found in MY Favor, and remit an amount of about {$40000.00} to my bank account to reimburse me for the fraudulent charges that I had paid ( knowingly ) over the years. \n\nAs this first wave of fraud disputes was being investigated for XXXX and XXXX charges, I tried to find the root cause and see how far back this went. Citibank did not have my XXXX and XXXX statements available online ( they were archived ). So I requested all the statements I could find - stemming back to XXXX. Upon waiting 7 days to receive the XXXX and XXXX statements, I found and identified the same pattern of Fraudulent Charges on XXXX and XXXX statements. Some XXXX transactions, totaling around {$35000.00} had been charged ( and I paid for ) to Citibank. \n\nOn XX/XX/XXXX, I sent in these hard copy documents, as instructed by Citi, to a XXXX XXXX XXXX XXXX XXXX, SD. I waited for 4 weeks. I never received confirmation that my XXXX and XXXX disputed Fraud charges were received. Finally, after waiting 4 weeks, I called into the phone number to speak with the XXXX XXXX team and informed them I had not received a response. I was told that I should send an email, about the XXXX and XXXX charges to \" XXXX '' I sent the exact same documentation that was sent to the XXXX XXXX XXXX I have attached these emails to this dispute. \n\nAround XX/XX/XXXX, I noticed that my XXXX and XXXX disputed Fraud charges were finally posted online to my account, and under the Manage Disputes section, all 17 charges were \" under investigation ''. At this point, I thought things were on the way to being resolved. Keep in mind, at this point, Citibank had already investigated, completed and concluded that the XXXX and XXXX charges on my account totaling approximately {$40000.00} was Fraudulent and Unauthorized by me. Not just that, but payment was actually sent to me- so this matter was deemed complete and concluded. \n\nYesterday, on XX/XX/XXXX, I logged into my Citicards account and it stated that my account was closed. It further posted that Citicards reversed all the credits ( which they already concluded and paid to me ) and posted an account balance owed of approximately {$39000.00}. These reversed charges were from XXXX and XXXX Fraudulent Transactions. ( Not the XXXX or XXXX Fraud disputes that were underway ). Essentially, Citicards : 1. Undertook an investigation for fraud. \n2. Found in my favor after completing the investigation.\n\n3. Remit payment for the completed fraud case to me in an amount of approximately {$40000.00} 4. Had a {$0.00} balance on my account and was in the process of investigating XXXX and XXXX charges. \n5. Then WENT BACK and reversed and re-posted charges already credited, found fraudulent, and completed from XXXX and XXXX and now made my account balance nearly {$40000.00}. \n\nThroughout this entire process, I was Not notified of anything that was going on. I must have called Citicards nearly 25 times from XX/XX/XXXX - present. I was ensured time and time again that I am not liable for Fraudulent charges ( which a full investigation already concluded I wasn't ). Then I only find out the status of my XXXX and XXXX pending charges ( that are fraudulent and I am still owed some {$35000.00} for ), were just dropped - and to add insult to injury, they re-posted the XXXX and XXXX fraudulent transactions to my account and state that I now owe a balance of nearly {$40000.00}. \n\nI have attempted numerous times to call them ( during XXXX XXXX business hours on Friday ) and nobody responded to my complaint. Nobody called me back to discuss the situation when I was told this would be escalated immediately. As of now, I escalated my call to a supervisor today ( XXXX ) and informed them they need to have a supervisor or the specific case manager handling the Fraud investigation case, call me immediately on Monday morning. ( They told me the name of the person handling my case- who I addressed my email correspondence to repeatedly, without any confirmation or response ).\n\nThe bottom line is this : 1. It is blatantly unfair, unjust, dishonest, and a complete lack of transparency and problematic business practice to begin, investigate, conclude and remit payment for a fraud investigation - only to then AFTER the investigation is complete and concluded - ask for {$40000.00} in funds back by posting that I now owe that amount on my Citicard account.\n\n2. Aside from above, there are STILL nearly {$35000.00} in Fraudulent Charges that I have initiated a dispute against for XXXX and XXXX charges. \n\nSo instead of rightfully receiving nearly {$75000.00} in security credit and reimbursement. ( {$40000.00} already found and concluded in my favor- {$35000.00} I tried to initiate a dispute over ) - Citicard is now stating I owe a balance of the {$40000.00}. To do such a thing to someone, is unconscionable, unethical, and in violation of common fairness in business practices.\n\nWhat I am asking is the following : 1. Citicards honors their first Fraud investigation which already was concluded, found in my favor, and remit approximately {$40000.00} to my account. Instead of now backtracking on the XXXX and XXXX Fraudulent Charge investigation after they have had plenty of time to pursue their investigation, and posting this account back to my balance stating I now owe it- they need to remove this account posted balance on my account and {$0.00} and close my account down so I do not have any negative credit or financial credit report impact. ( Assuming they attempt to collect on the posted reversed funds ).\n\n2. Besides zeroing out my account balance as stated above, I would like Citicards to continue the XXXX and XXXX Fraud Dispute Investigations that are clearly Fraudulent due to some multiple charges over this period of time from XXXX and XXXX. To have clearly found in my favor for the XXXX and XXXX Fraud charges, enough so to return payment to me- how is it possible not to find the exact same conclusion for XXXX and XXXX when my card number and identity was clearly compromised. The right, logical and honest thing to do is find that these the XXXX and XXXX transactions were fraudulent, and issue credits back to my account. \n\nIn conclusion - Citicards has failed to follow fair and reasonable practices, likely failed to follow procedure with response/confirmation time of my disputes, or some other internal procedure to ensure something like this does not happen. Then in turn, for their own mistakes, they want to re-post transactions they found were already Fraudulent, and make me, as the individual, pay for them. \n\nI look forward to a favorable resolution with CitiCards. I would be happy if someone from Citicards with the power to fix this, contacts me, actually has a discussion with me, and resolves this matter. If they do, I would be happy to come back and amend ( or add to ) these statements if they can move forward in good faith and rectify this situation. This has caused me undue stress, both emotional and physical. \n\nThank you.","date_sent_to_company":"2023-02-04T22:20:39.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"453XX","tags":null,"has_narrative":true,"complaint_id":"6524926","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-02-04T21:38:41.000Z","state":"OH","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":["Besides zeroing out my account balance as <em>stated</em> above, I would like Citicards to continue the <em>XXXX</em> and <em>XXXX</em> <em>Fraud</em> Dispute Investigations that are clearly Fraudulent due to some multiple charges over this period of time from <em>XXXX</em> and <em>XXXX</em>. To have clearly found in my favor for the <em>XXXX</em> and <em>XXXX</em> <em>Fraud</em> charges, enough so to return payment to me- how is it possible not to find the <em>exact</em> same conclusion for <em>XXXX</em> and <em>XXXX</em> when my card number and identity was clearly compromised."]},"sort":[13.987921,"6524926"]},{"_index":"complaint-public-v1","_id":"10340715","_score":13.960224,"_source":{"product":"Credit card","complaint_what_happened":"The morning of XX/XX/year> I woke to a withdrawal message from XXXXXXXX XXXX  stating our checking account was at a XXXX balance due to an ACH from Capital One for the exact balance in that account. I immediately verified the information and then checked all Capital One credit accounts to verify it wasnt a payment. After verification, I went to the local XXXX XXXX and began the fraudulent transaction process. As a result, they put a HOLD on the account and I had to open a new checking account. After returning home, I contacted Capital Ones fraud department at XXXX and spoke with a XXXX XXXX identification number XXXX. I explained the situation and he told me to let my bank handle it. I asked him to document the accounts of the situation. \n\nPrior to this incident, whenever I made a payment, the available credit would be updated immediately. This was not the case on XX/XX/XXXX which I thought was due to the fraud information they had probably received that morning. I was already stressed over the initial fraud incident but more so due to my husbands nonstop travel this year with the XXXX XXXX. This particular day, he was traveling from Delaware to Pennsylvania for another political event and would need a credit card to check in to the next hotel. As a result I contacted Capital One about making a cash payment which could update the account immediately and was instructed to go to my local XXXX and make a payment. I followed the directive and pulled {$1500.00} from savings and made the cash payment at XXXX. The clerk at the store stated they should receive the payment within XXXX minutes. This did not occur. I called Capital One back and was told, the payment would post at midnight and be available by XXXX. I called the next morning when it had not posted and was given a different response. I asked for a supervisor and she told me it could be days. I provided all the information from the cash payment receipt so they could begin the trace, since they did not see any incoming cash payment. Several days later I received documentation from Capital One requesting a copy of the payment information which I immediately returned via USPS. Fast forward to XX/XX/XXXX when a payment of {$2500.00} was made. To date, XX/XX/XXXX, Capital One still has not updated the available credit on this particular credit card. We are being penalized from Capital One ever since the unauthorized ACH withdrawal they processed the beginning of XXXX.","date_sent_to_company":"2024-10-04T13:16:22.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"44256","tags":"Servicemember","has_narrative":true,"complaint_id":"10340715","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-10-04T12:12:59.000Z","state":"OH","company_public_response":null,"sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["I followed the directive and pulled {$1500.00} from savings and made the cash payment at <em>XXXX</em>. The clerk at the store <em>stated</em> they should receive the payment within <em>XXXX</em> minutes. This did not occur. I called Capital One back and was told, the payment would <em>post</em> at midnight and be available by <em>XXXX</em>. I called the next morning when it had not <em>posted</em> and was given a different response. I asked for a supervisor and she told me it could be days."]},"sort":[13.960224,"10340715"]},{"_index":"complaint-public-v1","_id":"3395420","_score":13.880295,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX I received a text message from the Chase Fraud prevention department asking if I had authorized a transaction for {$230.00} and I replied no. Immediately I received a call from the fraud prevention department telling me that they had successfully stop the transaction prior to it going through. On XX/XX/XXXX the transaction posted on my account. I called to make a claim, they told me that my card shouldve been canceled to prevent this fraudulent transaction. They gave me a phone number for the merchant that was an invalid number. I tried to XXXX the company but was unsuccessful in reaching anyone. Days later I received 7 exact creams that seemed to be packed in a house with no return address, phone number, or any contact info for company. I reported this to chase as well. I have these creams exactly as they arrived in case they made contact with merchant and wanted me to return. I received a letter from chase stating they had found transaction valid and would be withdrawing the monies from my account. I called and basically was informed by chase that they have labeled my claim as a fraudulent claim after I reported this was not an authorized transaction 5 days prior to it posting. Representative and supervisor refused to transfer me to a manager. I feel chase has violated by consumer rights. They are penalizing me for there failure to act appropriately and timely. If they would have canceled my card on XX/XX/XXXX all this would have been avoided. I believe that my information might of been hacked into and Chases failure to act has caused this. Initially Chase stated the transaction/merchant is XXXX XXXX - default which is what shows on my bank transaction. The creams have a label for XXXX. Today when I contacted chase they refused to give me the merchant information that they claim to have contacted to verify the validity of the transaction and after a long discussion the Supervisor only gave the the name of XXXX  as a merchant which is completely different than what was posted on my account. I feel violated and insulted by the remark by Chase that I submitted a fraudulent claim. My complain is against Chase and against those companies that are committing Fraud and obviously hacking into accounts to take people money. I would also like to pursue legal action against Chase and that company. Not sure if you can provide me with guidance on what to do next. In advance, thank you for your assistance.","date_sent_to_company":"2019-10-04T06:06:14.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"90240","tags":null,"has_narrative":true,"complaint_id":"3395420","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-10-04T01:29:45.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["On XX/XX/<em>XXXX</em> I received a text message from the Chase <em>Fraud</em> prevention department asking if I had authorized a transaction for {$230.00} and I replied no. Immediately I received a call from the <em>fraud</em> prevention department telling me that they had successfully stop the transaction prior to it going through. On XX/XX/<em>XXXX</em> the transaction <em>posted</em> on my account. I called to make a claim, they told me that my card shouldve been canceled to prevent this fraudulent transaction."]},"sort":[13.880295,"3395420"]},{"_index":"complaint-public-v1","_id":"4495057","_score":13.822416,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"EXPERIAN continues to post fraudulent information related to XXXX fraudulent XXXX XXXX accounts. EXPERIAN was provided several FTC reports, Valid Police Reports & Identity Theft Information. It was outlined clearly that I work outside the XXXX and have done so since 2014. The address used under my name is a XXXX XXXX XXXX That XXXX XXXX XXXX compromised and personal information like social security number and ID were used to open the accounts with XXXX XXXX, several other credit card companies and banks. All providers with the exception oXXXX XXXX XXXX honored the information submitted and confirmed fraud. XXXX XXXX, with the help of EXPERIAN, continues to submit the exact same information to EXPERIAN, suggesting the accounts are valid. This is a flat-out lie and EXPERIAN continues to perpetuate this false narrative. I am demanding that EXPERIAN ( who removed the fraudulent accounts only to allow XXXX XXXX to submit the same garbage they submitted XXXX times prior ) once and for all do what is required under Federal Regulations and the state of California when it comes to companies posting correct information on credit reports, remove the XXXX XXXX accounts for good. Stop asking XXXX XXXX if the info. is valid, as they lie to damage consumer reports. You have an obligation under the law!!","date_sent_to_company":"2021-06-28T04:36:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91342","tags":null,"has_narrative":true,"complaint_id":"4495057","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-06-28T00:17:43.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The address used under my name is a <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> That <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> compromised and personal information like social security number and ID were used to open the accounts with <em>XXXX</em> <em>XXXX</em>, several other credit card companies and banks. All providers with the exception o<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> honored the information submitted and confirmed <em>fraud</em>. <em>XXXX</em> <em>XXXX</em>, with the help of EXPERIAN, continues to submit the <em>exact</em> same information to EXPERIAN, suggesting the accounts are valid."]},"sort":[13.822416,"4495057"]},{"_index":"complaint-public-v1","_id":"4495056","_score":13.705215,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX continues to post fraudulent information related to two fraudulent US Bank accounts. XXXX was provided several FTC reports, Valid Police Reports & Identity Theft Information. It was outlined clearly that I work outside the US and have done so since 2014. The address used under my name is a PO Box . That PO Box was compromised and personal information like social security number and ID were used to open the accounts with US Bank, several other credit card companies and banks. All providers with the exception of US Bank honored the information submitted and confirmed fraud. US Bank, with the help of XXXX, continues to submit the exact same information to XXXX, suggesting the accounts are valid. This is a flat-out lie and XXXX continues to perpetuate this false narrative. I am demanding that XXXX ( who removed the fraudulent accounts only to allow US Bank to submit the same garbage they submitted four times prior ) once and for all do what is required under Federal Regulations and the state of California when it comes to companies posting correct information on credit reports, remove the US Bank accounts for good. Stop asking US Bank if the info. is valid, as they lie to damage consumer reports. You have an obligation under the law!!","date_sent_to_company":"2021-06-28T04:36:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91342","tags":null,"has_narrative":true,"complaint_id":"4495056","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2021-06-28T00:36:18.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["All providers with the exception of US Bank honored the information submitted and confirmed <em>fraud</em>. US Bank, with the help of <em>XXXX</em>, continues to submit the <em>exact</em> same information to <em>XXXX</em>, suggesting the accounts are valid. This is a flat-out lie and <em>XXXX</em> continues to perpetuate this false narrative."]},"sort":[13.705215,"4495056"]},{"_index":"complaint-public-v1","_id":"5752935","_score":13.697243,"_source":{"product":"Debt collection","complaint_what_happened":"In response to CFPB complaint # XXXX My name is XXXX XXXX XXXX XXXX federally protected consumer, and I am making this complaint against Regional Acceptance Corporation for violating a cease and desist notice they received via mail XX/XX/XXXX. I am would also like to make a complaint against Truist. Regional Acceptance Corporation and now Truist for continuing to invade my privacy by committing abusive, deceptive and unfair debt collection practices.I have never given Truist any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debt until Truist or Regional Acceptance Corporation can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. As stated in your previous response this contract was assigned to you as the lienholder and service provider. Debt is brought not assigned so provide me with the documentation of this sale. If you were assigned to this contract who assigned it to you? Provide that name and the company that assigned it You also stated that this account was included in a Bankruptcy which was dismissed on XX/XX/XXXX. You then stated that the vehicle was surrendered and taken to action. Please provide me with the dates that this contract was assigned to you and the date that it was taken to an action and if it was sold at the auction provide proof of sale amount. You stated that you posted checks totaling {$8800.00} in XXXXProvide the exact date and proof of such checks. Alos elaborate on who this checks went to and how does that have to do with me. If you are saying that you paid {$8800.00} for this vehicle at the auction how was it assigned to you? You stated that you were unable to open XXXX attachment the cease and desist and debt validation. However you also stated \" The cease and desist was added to your account on XX/XX/XXXX. You are stating that Regional is reporting accurately do you have my written instructions to report on my consumer file because I never gave my written consent or authorize Regional Acceptance Correspondence to report anything on my consumer file so how are you reporting accurately. You are actually reporting fraudulently. You stated that the account is charged off and the current/ past due balance is {$15000.00}. Not sure if you know the definition of charged off but I will provide it for you. A charge-off means a lender or creditor has written the account off as a loss, and the account is closed to future charges. Regional stated that you dont consider this account fraudulent. Regional a consumer determine what is fraud. Fraud is no consent, not only have I never gave you consent to furnish anything on my consumer file. I never authorize for you to have any of my non-public information. Furthermore you furnishing this to my credit report is harassing, oppressive, or abusive conduct. You are involved in unlawfully extortion, you are providing my information to the credit reporting agencies without my lawful consent. Regional Acceptance and Truist can be held criminally liable for aggravated identity theft pursuant 18 USC 1028A extortion, theft by deception, securities fraud and mail fraud.Stop reporting or send me the information I am requesting. I am not requesting a contract that was made with XXXX XXXX. I am requesting a contract that I made with you. I am also requesting that you provide me with proof of that sale at from the auction and who you posted checks totaling $ XXXX am requesting information from the year XXXX. You stated that are were assigned this debt is but it's a whole year unaccounted for.I will be providing the FTC to the credit reporting agencies because this account is fraud.","date_sent_to_company":"2022-07-09T22:50:38.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"30291","tags":null,"has_narrative":true,"complaint_id":"5752935","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2022-07-09T21:34:18.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["You <em>stated</em> that you <em>posted</em> checks totaling {$8800.00} in XXXXProvide the <em>exact</em> date and proof of such checks. Alos elaborate on who this checks went to and how does that have to do with me. If you are saying that you paid {$8800.00} for this vehicle at the auction how was it assigned to you? You <em>stated</em> that you were unable to open <em>XXXX</em> attachment the cease and desist and debt validation. However you also <em>stated</em> \" The cease and desist was added to your account on XX/XX/<em>XXXX</em>."]},"sort":[13.697243,"5752935"]},{"_index":"complaint-public-v1","_id":"14954008","_score":13.614792,"_source":{"product":"Debt collection","complaint_what_happened":"Debt Collection Agency : Transworld Systems Inc.\n\nTSI Physical Address : TRANSWORLD SYSTEMS INC. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PA XXXX. \nContact : XXXX I was contacted by phone on XXXX XX/XX/year> from a Debt Collection Agency by the name of Transworld Systems Inc. on behalf of XXXX. At first, I suspected a fraud and scam call, so I immediately turned them down and did not share any Credit Card details with them. \n\nThe person stated that XXXX had authorized Transworld to exact debt on their behalf, and that this charge did not appear on the Toll Tag associated with my Car because I might have driven too fast for the sensor to pick it up. \n\nAt the end of the call, they threatened me with causing problems at the time of Vehicle Title Transfer ( VTN ) in the event I am selling my car. The person impersonated an officer and tried to intimidate me into paying off the debt or face repercussions. I just ended the call and immediately logged into my XXXX official account. No debts were shown outstanding. I was left traumatized by this event. \n\nLater on, XXXX XX/XX/year>XXXX  I received a post from the same company, Transworld Systems Inc. listing the threat again and asking for payment via check and sending it to the above address. I re-confirmed on the XXXX official website for some insights on this and found no debt owed on my account. I am not going to pay this as I am clearly at no fault and they are committing a fraud doing so.","date_sent_to_company":"2025-07-29T16:08:54.000Z","issue":"False statements or representation","sub_product":"Auto debt","zip_code":"75252","tags":null,"has_narrative":true,"complaint_id":"14954008","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2025-07-29T15:33:26.000Z","state":"TX","company_public_response":null,"sub_issue":"Impersonated attorney, law enforcement, or government official"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> PA <em>XXXX</em>. \nContact : <em>XXXX</em> I was contacted by phone on <em>XXXX</em> XX/XX/year> from a Debt Collection Agency by the name of Transworld Systems Inc. on behalf of <em>XXXX</em>. At first, I suspected a <em>fraud</em> and scam call, so I immediately turned them down and did not share any Credit Card details with them."]},"sort":[13.614792,"14954008"]},{"_index":"complaint-public-v1","_id":"10392355","_score":13.401373,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am a XXXXXXXX XXXX XXXX  where I employ a lot of single parents. We take care of people with multiple XXXX. Our main diagnoses are XXXX or XXXX XXXX XXXX. Long story short. I had a person call me to be a Chase Fraud prevention associate. This was so surreal. They actually called me from Chase fraud prevention phone number. I actually called Chase 's customer service number at XXXX, they verified this was Chase Fraud Protection. Therefore, I followed their instructions to \" CANCEL OUT '' the fraud. These guys were able to send me a text message on Chase.com for me to verify who I was. They were able to tell me what I had in my account and my last XXXX digits of my account number. The next day when my business account was wiped out. I called the Chase fraud department on the same number I spoke to the night before. Their questioning was identical to the day prior. I even told them the questions were just like yesterday. They asked the same exact questions the guys did the day before. I even asked fraud prevention if this was real. We filed claims, however I never heard back from Chase. I kept checking my account information hoping to see a credit. I never did. Chase stated this has been going on since XXXX of XXXX. They stated these crooks have software they download in order to show a specific number even though they are calling from another number. I asked them how regular people are supposed to know this? They stated they have a fraud prevention website. I researched this website and nothing like this is in there. I checked fraud prevention pamphlets in Chase bank, nothing like this is posted. Fraud prevention stated they would never call anyone. I told this was not true. I have been with Chase for over XXXX  years, and I have phone calls from Chase fraud prevention. I also asked them to explain how I got the text message. The branch manager stated someone just pretends to be you and they have them on another line. However, Chase never sent me any documentation of closing my claim. however, when I called fraud protection, they said your claim is close to bad you just got scammed? We don't protect you from scams. I told them I did not fall for a friend or get rich quickly. However, I have been with you guys for over 20 years, and I trusted you. I told them you failed me and the people I serve in my business. I honestly thought it was you. Why aren't you protecting people like me? You could inform us It is XXXX this has been going on since XXXX? I take care of people. Not money? I don't fraud people therefore I do not know if my bank is not informing me of what's going on. Regular business owners need to know this. I contacted the FDIC they said they referred this report to CFPB. They stated that Chase has insurance on this money and I should have been reimbursed. please help me. Thank you","date_sent_to_company":"2024-10-09T15:23:52.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"76119","tags":null,"has_narrative":true,"complaint_id":"10392355","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-10-09T15:13:13.000Z","state":"TX","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["They <em>stated</em> they have a <em>fraud</em> prevention website. I researched this website and nothing like this is in there. I checked <em>fraud</em> prevention pamphlets in Chase bank, nothing like this is <em>posted</em>. <em>Fraud</em> prevention <em>stated</em> they would never call anyone. I told this was not true. I have been with Chase for over <em>XXXX</em>  years, and I have phone calls from Chase <em>fraud</em> prevention. I also asked them to explain how I got the text message."]},"sort":[13.401373,"10392355"]},{"_index":"complaint-public-v1","_id":"4974953","_score":13.201225,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2021 at XXXX I received a text from U.S. Bank ( this is the bank card that Texas XXXX XXXX deposited my unemployment money on ) stating that an ATM withdrawal of {$200.00} had posted on my account. I immediately called U.S. Bank customer service at XXXX because : XXXX. I did not authorize this transaction XXXX. My balance was lower than it should have been. \nXXXX. I had my card ( XXXX XXXX XXXX XXXX ) in my possession and had not used it. \nWhen I called US Bank, I was greeted by a representative that asked me for my card number, social security number and address. I then explained to her that I received a text stating ATM charges. After explaining she stated to me that in the beginning of XXXX someone had called in without all of my correct information and changed my address from XXXX XXXX XXXX XXXX, XXXX TX. XXXX to a new address on the east coast. And also had a new card sent to this new address. She also said that my account had been marked as possible fraud alert. She said that there was nothing else she could do but to transfer me over to the fraud department. After being transferred to the fraud department the representative took my information and opened up claim. The claim stated that I had not authorized XXXX charges that had posted on my account. I was told I needed to write a statement saying I did not authorize charges and it must be received with XXXX days. The representative also said that they couldnt change my address back to my address back to the original address of XXXX XXXX XXXX XXXX, XXXX, TX. XXXX because she stated, that in the State of Texas it is illegal for U.S. Bank to change the address for any card holder account that address is in Texas that I would need to contact the Texas XXXX XXXX ( TWC ). I replied to the rep then how did my address get changed in the beginning of XXXX it was not XXXX. I asked for a supervisor and the supervisor told me the exact same thing that it is against the law for U.S. Bank to change the address. \nI then made over a dozen to calls over several days to the XXXX being transferred from XXXX department to another. I finally reached someone at the XXXX stating that she would open a ticket explaining my situation about my address being changed at U.S. Bank. The representative at XXXX stated that my address had not changed therefore she didnt think anything could be done from the XXXX side but she still opened a ticket. \nApproximately XXXX business days later I called U.S. Bank and gave them my information and was told that they couldnt give me any information on my account because the address does not match whats on file for me. I asked for a supervisor and was transferred to the supervisor which told me I had to call the XXXX to get my address changed. \nAfter numerous calls I was told by the XXXX to put in a complaint to CFPB regarding U.S. Bank and maybe it will be resolved once and for all. \nI still have a balance on in this debit card and can not access my money because I can not change the address to get a new card sent to me.","date_sent_to_company":"2021-12-03T05:40:02.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"79602","tags":null,"has_narrative":true,"complaint_id":"4974953","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2021-12-03T04:43:26.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["She said that there was nothing else she could do but to transfer me over to the <em>fraud</em> department. After being transferred to the <em>fraud</em> department the representative took my information and opened up claim. The claim <em>stated</em> that I had not authorized <em>XXXX</em> charges that had <em>posted</em> on my account. I was told I needed to write a statement saying I did not authorize charges and it must be received with <em>XXXX</em> days."]},"sort":[13.201225,"4974953"]},{"_index":"complaint-public-v1","_id":"1812846","_score":13.172778,"_source":{"product":"Bank account or service","complaint_what_happened":"On XXXX XXXX, XXXX, I noticed XXXX fraudulent ATM withdrawals ( {$400.00} each ; total {$800.00} ) pending from my Citibank checking account. I immediately contacted the Fraud department to make a claim for XXXX unauthorized transactions. Because it was a Saturday, the Fraud dept. could not tell the exact location where the cash was taken. On Monday, XXXX XXXX, XXXX, those XXXX fraud transactions posted on my account showing funds withdrew from an ATM machine in XXXX, XXXX. I am physically located in XXXX XXXX, XXXX. I have no relatives in XXXX and have not made any trip there throughout my entire life. When I called to make a report on XXXX XXXX, XXXX, I told the fraud dept. that on XXXX XXXX, XXXX, I authorized my mother to withdraw only \" XXXX XXXX dollars '' from an ATM located in XXXX XXXX, XXXX. The XXXX unauthorized transactions were withdrawn XXXX hours apart from that transaction which I did not authorize. I clearly made my statement however Citibank Fraud dept. has declined XXXX of the XXXX unauthorized transactions, stating that \" I authorized the withdrawal of XXXX of them. '' This is what I learned from the Assistant Branch Manager at one of the branches in XXXX, XXXX on Monday, XXXX XXXX, XXXX. \nThis is totally absurd and ridiculously where Citibank Fraud dept. has fraudulently stated that \" I authorized it '' in order to deny refunding me {$400.00} plus the non-Citi ATM fee of {$2.00}. As of now, I am still waiting to see if I will get my remaining {$400.00} + {$2.00} back which I had to make another separate fraud claim on Monday, XXXX XXXX, XXXX. \nHow could I positively authorize the withdrawals in XXXX XXXX when 1 ) I live in XXXX XXXX XXXX and the ATM card has been in my possession all the time, 2 ) I can not possibly make a 2-hr fly to XXXX, XXXX from XXXX XXXX, XXXX, and 3 ) I have no relatives in XXXX XXXX nor has ever made any trips there. \nI 've been with Citibank since XXXX and it 's a great disappointment to know how the Fraud dept. can carelessly accuse someone making an authorization where no basis or evidence was provided to the consumers. This is one of the example that Citibank Fraud dept. commits a \" fraud '' themselves. This is the first time it ever happened to me and I 'd like the Consumer Financial Protection Bureau to know and take appropriate actions to protect consumers who may have ran into similar situations like myself.","date_sent_to_company":"2016-03-03T01:28:11.000Z","issue":"Using a debit or ATM card","sub_product":"Checking account","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"1812846","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2016-03-03T01:28:10.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["On <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em>, I noticed <em>XXXX</em> fraudulent ATM withdrawals ( {$400.00} each ; total {$800.00} ) pending from my Citibank checking account. I immediately contacted the <em>Fraud</em> department to make a claim for <em>XXXX</em> unauthorized transactions. Because it was a Saturday, the <em>Fraud</em> dept. could not tell the <em>exact</em> location where the cash was taken. On Monday, <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em>, those <em>XXXX</em> <em>fraud</em> transactions <em>posted</em> on my account showing funds withdrew from an ATM machine in <em>XXXX</em>, <em>XXXX</em>."]},"sort":[13.172778,"1812846"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":327,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":327}]}},"product":{"doc_count":327,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":82,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":81},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Checking or savings account","doc_count":64,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":60},{"key":"Savings account","doc_count":3},{"key":"Other banking product or service","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":45,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":44},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Credit card","doc_count":27,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":26}]}},{"key":"Credit card or prepaid card","doc_count":24,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":18},{"key":"Government benefit card","doc_count":4},{"key":"General-purpose prepaid card","doc_count":1},{"key":"Store credit card","doc_count":1}]}},{"key":"Debt 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