{"took":1935,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":115,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11549045","_score":15.289169,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I have a nonprofit charity account with Venmo that Im unable to access through the app. This issue started in XXXX. I initially called their service desk on XX/XX/year> and was told they are unsure why this issue started happening but they will escalate it to the team. \n\nThe one piece of information they provided is that my inability to access the user interface of the platform is due to a coding/programming glitch and they are working on it. There was little to no proactive follow up nor was the issue resolved. \n\nI called again on XX/XX/year> and was told this is an issue affecting 90 % of Venmo charity accounts and that the global team has escalated to find a resolution. \n\nOnce again there has been no resolution. I emailed again on XX/XX/XXXX or XXXX to inquire as to the status of the resolution and received a reply asking me to identify the problem. I have previously described the problem and provided screen shots. \n\nA different service rep replied acknowledging I have been experiencing this issue for a while and that they have identified the problem and are working to resolve it. \n\nAs of today, XX/XX/year> the issue has still not been resolved. \n\nI currently have {$610.00} in a Venmo charity account that Im not able to access due to a pop up error message that is due to a coding glitch according to Venmo. They seem to be doing nothing to resolve this and have provided no updates. \n\nMy case number is # XXXX which I believe was assigned after my second call I have a previous case number which must have been assigned after my first call # XXXX","date_sent_to_company":"2025-01-15T20:59:36.000Z","issue":"Trouble accessing funds in your mobile or digital wallet","sub_product":"Mobile or digital wallet","zip_code":"07302","tags":null,"has_narrative":true,"complaint_id":"11549045","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-01-15T20:34:56.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I currently have {$610.00} in a Venmo charity <em>account</em> that Im not able to access due to a pop up error message that is due to a coding <em>glitch</em> according to Venmo. They seem to be doing nothing to resolve this and have <em>provided</em> no updates. \n\nMy case number is # XXXX which I believe was assigned after my second call I have a <em>previous</em> case number which must have been assigned after my first call # XXXX"]},"sort":[15.289169,"11549045"]},{"_index":"complaint-public-v1","_id":"3369593","_score":15.133458,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Paypal told me this message on CFPB case # XXXX : \" provide photo ID for the name that was provided at the time of your Account creation, XXXX XXXX. ( End of Quoting ) .... But previously Paypal Told me this message on CFPB case # XXXX : \" You will need to withdraw your funds to a XXXX XXXX. '' ( End of Quoting ) ... I actually DID both Paypal requirements, I uploaded my Photo ID and I try to add my XXXX XXXX  ( but my XXXX XXXX  decline or deny due to Paypal GLITCH ) and this a LOOP ... Paypal i am keeping uploading my document and i am keeping adding my XXXX XXXX   several times, can you please FIX your GLITCH or allow access my funds is more than 180 days.","date_sent_to_company":"2019-09-10T18:42:17.000Z","issue":"Managing, opening, or closing your mobile wallet account","sub_product":"Mobile or digital wallet","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"3369593","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2019-09-10T18:38:24.000Z","state":null,"company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Paypal told me this message on CFPB case # XXXX : \" provide photo ID for the name that was <em>provided</em> at the time of your <em>Account</em> creation, XXXX XXXX. ( End of Quoting ) .... But <em>previously</em> Paypal Told me this message on CFPB case # XXXX : \" You will need to withdraw your funds to a XXXX XXXX. '' ( End of Quoting ) ... I actually DID both Paypal requirements, I uploaded my Photo ID and I try to add my XXXX XXXX  ( but my XXXX XXXX  decline or deny due to Paypal <em>GLITCH</em> ) and this a LOOP ..."],"issue":["Managing, opening, or closing your mobile wallet <em>account</em>"]},"sort":[15.133458,"3369593"]},{"_index":"complaint-public-v1","_id":"6998647","_score":13.503145,"_source":{"product":"Checking or savings account","complaint_what_happened":"I made 3 different purchases to XXXX using my cash app card the first transaction occurred XX/XX/2023 for XXXX I was then refunded that amount from XXXX on XX/XX/2023 then on XX/XX/2023 I received a text message stating that my payment from XXXX was updated to XXXX and that decreased my balance at that time.I then contacted cash app and they stated that due to a glitch that occurred between XX/XX/2023 and XX/XX/2023 it caused my balance to not decrease when the payment was made to XXXX although cash app paid the merchant ( XXXX ). I understood that those types of situations could happen especially using an app like cash app. Then on XX/XX/2023 I received the same message stating that my purchase with XXXX was updated to XXXX I was not told that this would happen again so I called cash app and they gave the same response about the glitch that occurred.This amount was also refunded by XXXX which I see in my transaction history so I didnt understand why are they coming back a month and a half later taking funds from my account. So I contacted XXXX and they agreed those refunds were valid so there was no need to reverse the funds and that they have been getting numerous of calls regarding the same issue. I also contacted cash app again and they provided me a transaction starting on XXXX the XXXX th these transactions where made prior to XXXX the XXXX th and should not have been affected by the glitch because I made the payment prior to that day and received my refund prior to that day. The transaction history statement that was provided to me was put together manually by a cash app member which also raised suspicion because that type of documentation you should be able to systematically generate.So I file a dispute which was denied. Then on XX/XX/2023 I received another message stating the payment made to XXXX was updated to XXXX so they took that amount from my current cash app balance. This would make the third time cash app takes money from my account for transactions made months ago. I looked at my transactions history on the app and I clearly see the payments were completed and I am single mom of whos struggling so I manage my funds very closely. I called cash app again and they gave the same excuse about the glitch that occurred and I still didnt understand why the money was taken because this transaction was refunded y XXXX XXXX provided documentation showing that it was a valid refund and I also contacted XXXX and they stated it was not reversed. I have filed a complaint with the XXXX and they reached out to cash app and cash app did contact me giving me the same response about the glitch. At this point the glitch is a cover to steal funds back because I know for a fact my balance decreased after those payments.I received text messages every-time I made the payment. I refused to go by the transaction history they provided because a representative placed me on hold and stated he had to put the transaction historys together before sending it because I requested for my transaction history beginning XX/XX/XXXX XXXX then was hung up on by that representative with no call back .So I called back and spoke with another representative who refused to provide me a detailed statement of my account history and if thats what they want to go by then their surely in the wrong for taking my funds months later because all three transactions show completed and it shows I received a refund so cash app should of never came back and took money months later. In addition to taking the money I never was informed about owe neither amount and not one representative informed me about any other amount being owed due to the glitch when I reached out to them the first time. They didnt display a negative amount in my cash app mobile app instead they waited until money was sent to me and took the fund and blamed on a glitch XXXX have attach these transactions and you will see the payments and the refunds the refund for the XXXX occurred in two separate transactions one for XXXX and the other for XXXX I also attached the transactions action history which shows these transactions happening after XX/XX/XXXX XXXX and that information is not accurate because the screenshots from my actual cash app and XXXX app shows the dates which the transactions where processed and as I previously stated cash app manually puts these transactions historys together the representative informed me of that and Im still being denied my transaction history prior to XX/XX/XXXX XXXX.","date_sent_to_company":"2023-05-20T00:46:54.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"75042","tags":null,"has_narrative":true,"complaint_id":"6998647","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2023-05-19T23:51:09.000Z","state":"TX","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["I also contacted cash app again and they <em>provided</em> me a transaction starting on XXXX the XXXX th these transactions where made prior to XXXX the XXXX th and should not have been affected by the <em>glitch</em> because I made the payment prior to that day and received my refund prior to that day."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[13.503145,"6998647"]},{"_index":"complaint-public-v1","_id":"3247217","_score":13.110855,"_source":{"product":"Student loan","complaint_what_happened":"I am an XXXX XXXX XXXX XXXX member with a student loan account with FedLoan Servicing. \n\nI am enrolled in the Public Service Loan Forgiveness Program and currently on track to have loans forgiven in XX/XX/XXXX. I file for employment certification every year. My last accurate count of qualifying payments was on XX/XX/XXXX. In XX/XX/XXXX, I was notified FedLoan servicing had a computer glitch that erased 25 payments I made from XX/XX/XXXX through XX/XX/XXXX. I was told that they would need to manually recount and it would be done promptly. \n\nHere it is almost 10 months later and they have yet to fix this error. I am still missing 25 payments due to THEIR computer glitch. I have provided them documentation to show FedLoan previously certified those payments and I provided them records that I was making all those payments under an income-based plan. \n\nI have called over a dozen times and I get different information every time about the timeline and what they are actually doing with this review. This company has been derelict in its duties and I am running out of patience. I dont trust anyone that I talk to there ( in fact, one person I talked to last week said my concern about trusted advice is valid ). \n\nI have waited 10 months for a resolution - to get these past 25 payments certified a second time. I have done my part, and this company has not. \n\nThis is urgent as I am only several payments away from completing this program. \n\nThank you. \nXXXX XXXX XXXX","date_sent_to_company":"2019-05-19T19:52:02.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"80923","tags":"Servicemember","has_narrative":true,"complaint_id":"3247217","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"AES/PHEAA","date_received":"2019-05-19T19:34:28.000Z","state":"CO","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["I am still missing 25 payments due to THEIR computer <em>glitch</em>. I have <em>provided</em> them documentation to show FedLoan <em>previously</em> certified those payments and I <em>provided</em> them records that I was making all those payments under an income-based plan. \n\nI have called over a dozen times and I get different information every time about the timeline and what they are actually doing with this review. This company has been derelict in its duties and I am running out of patience."]},"sort":[13.110855,"3247217"]},{"_index":"complaint-public-v1","_id":"2832782","_score":12.555529,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I wanted to start that I have been mostly satisfied with the XXXX XXXX XXXX XXXX XXXX 's responses and resolutions in previous issues. However, the law requires me to file this dispute through the credit bureaus to preserve all my rights. \nI have a credit card with XXXX XXXX XXXX XXXX XXXX ( XXXX ). There were approx. {$750.00} in unauthorized transactions including unauthorized payments from an unknown account. Which also placed this account over the credit limit. As a result my minimum monthly payment increased from approx. {$70.00} to over {$1300.00} ( see  attached ). \n\nI reported the unauthorized transactions and XXXX timely provided a temporary adjustment. However due to a glitch the minimum monthly payment never adjusted on the online account summary page, but once I clicked the link to make a payment the accurate monthly payment amount displayed as $ XXXX/ {$70.00}. However, when I did attempt to make the monthly payments I would receive an error message. XXXX conceded on the error message being due to the current account status and provided a work around. \n\nAs a result, this account is inaccurately reporting 30-days late for XXXX/XXXX 2018 could you please correct this error?","date_sent_to_company":"2018-03-05T13:10:53.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"48322","tags":"Older American","has_narrative":true,"complaint_id":"2832782","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-03-05T12:36:15.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"You never received your bill or did not know a payment was due"},"highlight":{"complaint_what_happened":["XXXX conceded on the error message being due to the current <em>account</em> status and <em>provided</em> a work around. \n\nAs a result, this <em>account</em> is inaccurately reporting 30-days late for XXXX/XXXX 2018 could you please correct this error?"]},"sort":[12.555529,"2832782"]},{"_index":"complaint-public-v1","_id":"16251748","_score":12.3747015,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XXXX/XXXX/1025, I logged into my Cash App debit card/bank account and a charge that showed declined for XXXX was still processed affecting my balance. Causing the balance to be XXXX, but there were no details in the transaction history to show how this happened or that the funds were taken. When I reached out to their support team I was told this was because of a dispute that I filed. I had not filed a dispute as I told them And provided proof from XXXX XXXX  that said claim was made mistakenly due to a system error the showed funds which may have been previously credited has already been returned to their system on XX/XX/year>. This was all prior to those funds being taken by Cash App. So that should never have occurred. When I requested documentation from them they declined providing it saying it was available in my account when it wasnt. After I provided documentation to them from XXXX XXXX  showing returned funds and a letter regarding the prior glitch. I was told they would escalate the issue to correct by balance. The next day I was then told by Cash Apps team that they couldnt help me to contact XXXX XXXX. But XXXX XXXX  had closed the issue and returned funds so there was nothing they could do. So Im still out XXXX and the Cash App balance is negative","date_sent_to_company":"2025-09-29T03:11:50.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"92626","tags":null,"has_narrative":true,"complaint_id":"16251748","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-09-29T02:57:57.000Z","state":"CA","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["I had not filed a dispute as I told them And <em>provided</em> proof from XXXX XXXX  that said claim was made mistakenly due to a system error the showed funds which may have been <em>previously</em> credited has already been returned to their system on XX/XX/year>. This was all prior to those funds being taken by Cash App. So that should never have occurred. When I requested documentation from them they declined providing it saying it was available in my <em>account</em> when it wasnt."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[12.3747015,"16251748"]},{"_index":"complaint-public-v1","_id":"3336065","_score":11.92595,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I received two letters stating that my minimum payment of {$0.00} had not been received. They reported me to the credit bureau twice, on the same day, for being 30 days past due, for two different months. I called them to find out why they sent me a letter that said I owed them {$0.00} but they were reporting me. My statements show a previous balance of {$0.00} and new purchases. They explained to me that there was an issue with my payment account but had never sent me any notice of the issue. Having received the letters that say I have no minimum balance, I deduced that there was a computer glitch and it would get worked out. My account was set up for automatic payments and enough funds were in my account to cover any payments needing to be made. Their system and procedures obviously have errors which need correcting and they should consider fixing them so that they are not giving out inaccurate information and then holding the consumer responsible for the banks mistakes. I work overseas and rely on accurate and helpful documentation being provided, they did not provide any documentation by mail that would have assisted me in resolving any issues, but they did provide documentation that I have a {$0.00} balance.","date_sent_to_company":"2019-08-10T07:21:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48021","tags":null,"has_narrative":true,"complaint_id":"3336065","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2019-08-10T06:46:01.000Z","state":"MI","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["My statements show a <em>previous</em> balance of {$0.00} and new purchases. They explained to me that there was an issue with my payment <em>account</em> but had never sent me any notice of the issue. Having received the letters that say I have no minimum balance, I deduced that there was a computer <em>glitch</em> and it would get worked out. My <em>account</em> was set up for automatic payments and enough funds were in my <em>account</em> to cover any payments needing to be made."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[11.92595,"3336065"]},{"_index":"complaint-public-v1","_id":"3336768","_score":11.895935,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I received two letters stating that my minimum payment of {$0.00} had not been received. They reported me to the credit bureau twice, on the same day, for being 30 days past due, for two different months. I called them to find out why they sent me a letter that said I owed them {$0.00} but they were reporting me. My statements show a previous balance of {$0.00} and new purchases. They explained to me that there was an issue with my payment account but had never sent me any notice of the issue. Having received the letters that say I have no minimum balance, I deduced that there was a computer glitch and it would get worked out. My account was set up for automatic payments and enough funds were in my account to cover any payments needing to be made. Their system and procedures obviously have errors which need correcting and they should consider fixing them so that they are not giving out inaccurate information and then holding the consumer responsible for the banks mistakes. I work overseas and rely on accurate and helpful documentation being provided, they did not provide any documentation by mail that would have assisted me in resolving any issues, but they did provide documentation that I have a {$0.00} balance.","date_sent_to_company":"2019-08-10T07:21:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48021","tags":null,"has_narrative":true,"complaint_id":"3336768","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-08-10T07:21:53.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["My statements show a <em>previous</em> balance of {$0.00} and new purchases. They explained to me that there was an issue with my payment <em>account</em> but had never sent me any notice of the issue. Having received the letters that say I have no minimum balance, I deduced that there was a computer <em>glitch</em> and it would get worked out. My <em>account</em> was set up for automatic payments and enough funds were in my <em>account</em> to cover any payments needing to be made."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[11.895935,"3336768"]},{"_index":"complaint-public-v1","_id":"3336070","_score":11.891014,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I received two letters stating that my minimum payment of {$0.00} had not been received. They reported me to the credit bureau twice, on the same day, for being 30 days past due, for two different months. I called them to find out why they sent me a letter that said I owed them {$0.00} but they were reporting me. My statements show a previous balance of {$0.00} and new purchases. They explained to me that there was an issue with my payment account but had never sent me any notice of the issue. Having received the letters that say I have no minimum balance, I deduced that there was a computer glitch and it would get worked out. My account was set up for automatic payments and enough funds were in my account to cover any payments needing to be made. Their system and procedures obviously have errors which need correcting and they should consider fixing them so that they are not giving out inaccurate information and then holding the consumer responsible for the banks mistakes. I work overseas and rely on accurate and helpful documentation being provided, they did not provide any documentation by mail that would have assisted me in resolving any issues, but they did provide documentation that I have a {$0.00} balance.","date_sent_to_company":"2019-08-10T07:21:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48021","tags":null,"has_narrative":true,"complaint_id":"3336070","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-08-10T07:21:53.000Z","state":"MI","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["My statements show a <em>previous</em> balance of {$0.00} and new purchases. They explained to me that there was an issue with my payment <em>account</em> but had never sent me any notice of the issue. Having received the letters that say I have no minimum balance, I deduced that there was a computer <em>glitch</em> and it would get worked out. My <em>account</em> was set up for automatic payments and enough funds were in my <em>account</em> to cover any payments needing to be made."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[11.891014,"3336070"]},{"_index":"complaint-public-v1","_id":"3336072","_score":11.889071,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I received two letters stating that my minimum payment of {$0.00} had not been received. They reported me to the credit bureau twice, on the same day, for being 30 days past due, for two different months. I called them to find out why they sent me a letter that said I owed them {$0.00} but they were reporting me. My statements show a previous balance of {$0.00} and new purchases. They explained to me that there was an issue with my payment account but had never sent me any notice of the issue. Having received the letters that say I have no minimum balance, I deduced that there was a computer glitch and it would get worked out. My account was set up for automatic payments and enough funds were in my account to cover any payments needing to be made. Their system and procedures obviously have errors which need correcting and they should consider fixing them so that they are not giving out inaccurate information and then holding the consumer responsible for the banks mistakes. I work overseas and rely on accurate and helpful documentation being provided, they did not provide any documentation by mail that would have assisted me in resolving any issues, but they did provide documentation that I have a {$0.00} balance.","date_sent_to_company":"2019-08-10T07:21:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48021","tags":null,"has_narrative":true,"complaint_id":"3336072","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-08-10T07:21:53.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["My statements show a <em>previous</em> balance of {$0.00} and new purchases. They explained to me that there was an issue with my payment <em>account</em> but had never sent me any notice of the issue. Having received the letters that say I have no minimum balance, I deduced that there was a computer <em>glitch</em> and it would get worked out. My <em>account</em> was set up for automatic payments and enough funds were in my <em>account</em> to cover any payments needing to be made."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[11.889071,"3336072"]},{"_index":"complaint-public-v1","_id":"9061480","_score":11.836178,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"On XX/XX/XXXX, I attempted to place an order on XXXX 's website using Afterpay as the payment option. The website experienced a glitch and the order was never processed. My bank account was charged even though the order never went through, as many others on the XXXX XXXX XXXX site have reported. After repeatedly sending Afterpay staff requests for refund, Afterpay 's customer service has been totally nonresponsive and has yet to refund the charge to my bank account. There are hundreds of complaints online about Afterpay from consumers who have experienced the same thing and who also have great difficulty getting Afterpay to refund their charges. Afterpay was provided with multiple screenshots from XXXX managers ' emails demonstrating that the order was never processed, and they have still not responded to my request for refund. Reports have also been filed with the Attorney General 's Office in CA as well as with the XXXX XXXX XXXX XXXX XXXX XXXX, which previously required Afterpay to pay a {$900000.00} settlement for illegal loan practices in XXXX. It is clear that Afterpay does not believe that Federal or State loan requirements apply to their company, as they have denied hundreds of consumers refunds for orders never placed.","date_sent_to_company":"2024-05-28T12:40:11.000Z","issue":"Problem when making payments","sub_product":"Installment loan","zip_code":"95818","tags":null,"has_narrative":true,"complaint_id":"9061480","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Block, Inc.","date_received":"2024-05-22T00:40:47.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The website experienced a <em>glitch</em> and the order was never processed. My bank <em>account</em> was charged even though the order never went through, as many others on the XXXX XXXX XXXX site have reported. After repeatedly sending Afterpay staff requests for refund, Afterpay 's customer service has been totally nonresponsive and has yet to refund the charge to my bank <em>account</em>."]},"sort":[11.836178,"9061480"]},{"_index":"complaint-public-v1","_id":"3470509","_score":11.781488,"_source":{"product":"Checking or savings account","complaint_what_happened":"1.First dispute was in XXXX if 2019 to report that my balance on transactions continually changes and provided documentation. \n2. Received by mail a letter that had nothing to do with my situation. \n3. Reported again in XXXX that my bank continues to alter my balance with my transactions and provided documentation. \n4. Again received a letter that had nothing to do with my situation. \n5. Began a thorough personal audit of my online account on XX/XX/2019 only to find that balances did not reflect the transaction. Printed a year 's worth of documentation. \n6. On XX/XX/2019 I walked into the local branch with my documents. They called Capital One Online who verified that there was a glitch with isolated accounts and they had been working on it. They said they would begin a full audit which would take up to 10 business days. That DRT would reach out to me with balances with statements. Case # XXXX. My question at that time was if they were aware of a glitch, why was this not addressed the 2 previous times I reported this fraudulent activity? \n7. On XX/XX/2019 I checked the same dates with discrepancies in the balances change on transactions with the dates of XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019. What I found was that the balances had changed on every transaction for the same transactions I had copied on XX/XX/2019. And in some of these transactions the balances went from positives to negatives, and vice versa. \n8. On XXXX XXXX I choose the most recent date of XX/XX/2019 transactions to see if the balances changed. They did each and every day. Not once were they the same. \n9. XX/XX/2019 I received and email from a do not reply address from Capital One which and I quote said, \" Thank you for reaching out to let us know about the digital issue you were experiencing. We resolved it, and you now be able to successfully sign in and use your account features or sign up if you haven't already. '' Again this response was generic and has nothing to do with my situation. \n10. Finally, I went to check out my account to see what \" changes '' had occurred. Their idea of fixing the situation is that I can no longer look back online at transactions past XX/XX/2019.","date_sent_to_company":"2019-12-17T06:47:31.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"704XX","tags":null,"has_narrative":true,"complaint_id":"3470509","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2019-12-17T06:35:18.000Z","state":"LA","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["Began a thorough personal audit of my online <em>account</em> on XX/XX/2019 only to find that balances did not reflect the transaction. Printed a year 's worth of documentation. \n6. On XX/XX/2019 I walked into the local branch with my documents. They called Capital One Online who verified that there was a <em>glitch</em> with isolated <em>accounts</em> and they had been working on it. They said they would begin a full audit which would take up to 10 business days."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[11.781488,"3470509"]},{"_index":"complaint-public-v1","_id":"10219380","_score":11.760559,"_source":{"product":"Credit card","complaint_what_happened":"I have a credit card with Huntington Bank. On XX/XX/XXXX the online banking portal showed a payment due of XXXX for XXXX. I paid the payment. It posted to the account on XX/XX/XXXX and debited my bank account XX/XX/XXXX. A few weeks later I received a notice saying I didn't pay my bill. I have spoken with approximately XXXX different representatives all who have provided me with different answers. XXXX said mistake disregard letter, XXXX said oh it was a glitch, XXXX told me I need to make a payment once every XXXX  days or it won't credit properly. XXXX told me they would submit a research request. The last contact I spoke with a supervisor who informed me there were no record of previous calls and that she would submit a request to the underwriting to have the payment credited for XXXX. I spoke to her On XXXX XXXXXX/XX/XXXX to which she assured me she would follow up with me on XXXX It is now XX/XX/XXXX and no response. I contacted again and was told no one could help me and that the XXXX would reach out to me. XXXX credited the payment to a previous billing cycle even though online showed a new billing cycle and payment and is now showing my bill as late. I'm being penalized for making my payments too early. I need assistance with having my XXXX payment credited for XXXX as it should be.","date_sent_to_company":"2024-09-23T21:12:21.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"43228","tags":null,"has_narrative":true,"complaint_id":"10219380","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"HUNTINGTON NATIONAL BANK, THE","date_received":"2024-09-23T20:56:50.000Z","state":"OH","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["It posted to the <em>account</em> on XX/XX/XXXX and debited my bank <em>account</em> XX/XX/XXXX. A few weeks later I received a notice saying I didn't pay my bill. I have spoken with approximately XXXX different representatives all who have <em>provided</em> me with different answers. XXXX said mistake disregard letter, XXXX said oh it was a <em>glitch</em>, XXXX told me I need to make a payment once every XXXX  days or it won't credit properly. XXXX told me they would submit a research request."]},"sort":[11.760559,"10219380"]},{"_index":"complaint-public-v1","_id":"4719294","_score":11.739488,"_source":{"product":"Checking or savings account","complaint_what_happened":"Chime \" Bank '' emailed me with instructions on how to unlock my account. I have never had a Chime account - I have never done any business with Chime - I have never contacted Chime. There is no reason for Chime to have my email address. I suspected someone had opened an account with my email address - or was trying to do so. \n\nI reached out to Chime, and their online \" Help '' bot instructed me to email them at XXXX. After a few emails back & forth, Chime requested a picture of my driver 's license and the last four digits of my SSN in order to investigate. \n\nChime found no account in my name, and attributed their initial email to me as a \" glitch in the system ''. they said there was no further concern. But Chime should not even have my email address on file- unless someone provided it to them under fraudulent terms. I asked Chime to investigate further, and I am waiting for their reply. But they were responding within the hour previously, and I have not heard from them today. Please advise. I am concerned someone is trying to open an account with this \" bank '' using my personal information - and Chime does not seem to be concerned.","date_sent_to_company":"2021-09-14T20:08:45.000Z","issue":"Closing an account","sub_product":"Other banking product or service","zip_code":"99202","tags":null,"has_narrative":true,"complaint_id":"4719294","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2021-09-14T19:57:03.000Z","state":"WA","company_public_response":null,"sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["Chime found no <em>account</em> in my name, and attributed their initial email to me as a \" <em>glitch</em> in the system ''. they said there was no further concern. But Chime should not even have my email address on file- unless someone <em>provided</em> it to them under fraudulent terms. I asked Chime to investigate further, and I am waiting for their reply. But they were responding within the hour <em>previously</em>, and I have not heard from them today. Please advise."],"product":["Checking or savings <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_issue":["Can't close your <em>account</em>"]},"sort":[11.739488,"4719294"]},{"_index":"complaint-public-v1","_id":"16118373","_score":11.294487,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing a formal complaint regarding ChimeXXXX XXXX and the mishandling of my account and funds. I have experienced multiple issues that remain unresolved, and I am requesting immediate assistance and a proper investigation. \n\nFirst Incident Misrouted Payment ( {$25.00} ) : I attempted to send a paid transfer to a Chime member ( my friend, XXXX XXXX ). \nDue to what appears to be a system glitch, the transaction was sent to an unknown person named XXXX XXXX. I do not know this individual and have never had any contact with them. \nI immediately contacted Chime to report the error. An investigation was opened but denied. \nI submitted a second request, providing screenshots proving : I never sent money to XXXX XXXX and never received money from that person. \nMy actual Chime contact is XXXX XXXX, and we regularly exchange payments. She confirmed she never received the {$25.00}. \nDespite providing this evidence, Chime has refused to recoup my {$25.00} and has not provided any documentation proving that the XXXX XXXX account is valid or active. Instead, I was told to repeatedly request the money back ( I attempted this 13 times with no success ). \n\nSecond Incident Unauthorized Card Use ( XX/XX/year> ) : I received a new Chime debit card due to previous fraudulent activity. \nImmediately after activating the card, a merchant ( XXXX ) withdrew funds from my account, even though I had never provided them with my new card information. \nWhen I contacted XXXX, they stated Chime gave them my updated card details automatically, which I never authorized. \nXXXX agreed to refund the money, but the fact that Chime allowed this transaction raises serious concerns about account security and unauthorized sharing of my financial information. \n\nMy Concerns : 1. Chime has failed to properly investigate and resolve the {$25.00} misrouted payment issue. \n2. Chime has not provided documentation proving the validity of the account that received my funds. \n3. Chimes system allowed a merchant to access and use a newly issued card without my authorization. \n4. These issues indicate systemic problems with Chimes security and investigation procedures, which put customers at financial risk. \n\nResolution Requested : A full refund of the {$25.00} that was misrouted due to the system glitch. \nDocumentation showing the validity of the account that allegedly received the funds. \nA thorough investigation into how a merchant was able to charge my new card without my authorization. \nAssurance that Chime will strengthen its consumer protection, error resolution, and fraud-prevention practices. \n\nChime markets itself as a secure and reliable banking platform, yet my experience shows otherwise. Customers should not have to fight to recover their own money or accept unexplained system glitches and unauthorized activity as normal.","date_sent_to_company":"2025-09-21T01:08:49.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"28348","tags":null,"has_narrative":true,"complaint_id":"16118373","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-09-21T00:52:31.000Z","state":"NC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Despite providing this evidence, Chime has refused to recoup my {$25.00} and has not <em>provided</em> any documentation proving that the XXXX XXXX <em>account</em> is valid or active. Instead, I was told to repeatedly request the money back ( I attempted this 13 times with no success ). \n\nSecond Incident Unauthorized Card Use ( XX/XX/year> ) : I received a new Chime debit card due to <em>previous</em> fraudulent activity."]},"sort":[11.294487,"16118373"]},{"_index":"complaint-public-v1","_id":"6137418","_score":11.119146,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I was advised in when I was making my XX/XX/XXXX mortgage payment that my XX/XX/XXXX payment was due. I paid my XXXX payment on XX/XX/XXXX and indicated that to my mortgage company. They advised that my payment was reversed on XX/XX/XXXX citing an \" invalid account ''. I contacted my bank ( XXXX XXXX XXXX ) who confirmed the transaction was complete and no reversal was done. They provided me with a trace number. My mortgage company did their investigation and after 30 days requested additonal time for the investigation. In the meantime, they provided an update to the credit bureau that my XXXX payment was more than 30 days late, even though it was still XXXX and I made the payment and it was under investigation ). I also incurred late fees. Within a week they determined that I did owe the money and then cited that it was actually the XX/XX/XXXX payment that was paid and reversed. ( Which is also not true AND not their original complaint. ) I called the mortgage company and asked them to send me all of the records of the payments I made since this company had only purchased my mortgage in XX/XX/XXXX from my previous mortgage company. The agent advised that my account showed XXXX XXXX payments that were made and one was reversed. I only made 1 payment and it cleared so it appears there is some error on the part of the morgage company. I have made payments in each XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX and it reflects this in their documentation. The mortgage company continues to show I am late and now owe my XX/XX/XXXX payment but I do not. There seems to be a glitch somewhere on their end.","date_sent_to_company":"2022-10-27T17:06:06.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30228","tags":null,"has_narrative":true,"complaint_id":"6137418","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SELECT PORTFOLIO SERVICING, INC.","date_received":"2022-10-27T16:37:38.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["There seems to be a <em>glitch</em> somewhere on their end."]},"sort":[11.119146,"6137418"]},{"_index":"complaint-public-v1","_id":"6137112","_score":11.087702,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I was advised in when I was making my XX/XX/XXXX mortgage payment that my XX/XX/XXXX payment was due. I paid my XXXX payment on XX/XX/XXXX and indicated that to my mortgage company. They advised that my payment was reversed on XX/XX/XXXX citing an \" invalid account ''. I contacted my bank ( XXXX XXXX XXXX ) who confirmed the transaction was complete and no reversal was done. They provided me with a trace number. My mortgage company did their investigation and after 30 days requested additonal time for the investigation. In the meantime, they provided an update to the credit bureau that my XXXX payment was more than 30 days late, even though it was still XXXX and I made the payment and it was under investigation ). I also incurred late fees. Within a week they determined that I did owe the money and then cited that it was actually the XX/XX/XXXX payment that was paid and reversed. ( Which is also not true AND not their original complaint. ) I called the mortgage company and asked them to send me all of the records of the payments I made since this company had only purchased my mortgage in XX/XX/XXXX from my previous mortgage company. The agent advised that my account showed XXXX XXXX payments that were made and one was reversed. I only made 1 payment and it cleared so it appears there is some error on the part of the morgage company. I have made payments in each XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX and it reflects this in their documentation. The mortgage company continues to show I am late and now owe my XX/XX/XXXX payment but I do not. There seems to be a glitch somewhere on their end.","date_sent_to_company":"2022-10-27T17:06:20.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30228","tags":null,"has_narrative":true,"complaint_id":"6137112","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-10-27T17:06:15.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["There seems to be a <em>glitch</em> somewhere on their end."]},"sort":[11.087702,"6137112"]},{"_index":"complaint-public-v1","_id":"2675928","_score":10.92677,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have submitted on 2 different occasions all the documentation required under the FCRA for accounts and data on my Equifax file to be corrected, however I am told the documentation either has been reviewed or that it was n't received. Every time I call i get a different response so its clear that they are not doing anything at all as they are supposed to under the law. I have submitted both a FTC and police reports, as well as letters from the actual companies as proof the information presented on my file was incorrect and should be adjusted. \n\nI filed my FTC complaint on XXXX/XXXX/XXXX and mailed a copy to Equifax on XX/XX/XXXX and XX/XX/XXXX by certified mail with receipts showing that it was received to XXXX. XXXX XXXX XXXX, GA XXXX. \n\nXXXX XXXX : ( x2 ) XXXX late payments are showing even though I sent over documentation from the company showing that this was not correct and yet it still remains on my file. \n\nXXXX XXXX : that was previously removed due to fraud and then it reappeared out of nowhere I assume as a glitch however again I have paperwork from the XXXX XXXX executive office showing that this file was supposed have been removed. \n\nXXXX XXXX : this account was fraudulently opened in my name by a deceased family member and I have provided police and FTC reports to assert it was supposed to have been removed, whereas both XXXX and XXXX removed the information promptly its been over 2 months and its still not removed by Equifax. \n\nXXXX XXXX XXXX XXXX : a company I have never heard of or had any business with is asserting that I have an account with them and I do n't and have requested for them to verify/validate the account to which no information was provided to me within the 30 days allowed under federal law, the account needs to be immediately be deleted.","date_sent_to_company":"2017-09-16T17:41:38.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60608","tags":null,"has_narrative":true,"complaint_id":"2675928","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-16T17:10:19.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX : that was <em>previously</em> removed due to fraud and then it reappeared out of nowhere I assume as a <em>glitch</em> however again I have paperwork from the XXXX XXXX executive office showing that this file was supposed have been removed."]},"sort":[10.92677,"2675928"]},{"_index":"complaint-public-v1","_id":"3238544","_score":10.4888,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I had reached out to American Express more than 2-3 weeks ago to talk to them about refunding a credit in the amount of {$19000.00} I spent considerable amount of time over the phone and i was rest assured that a check would be mailed to my mailing address within 7-10 business days. \n\nI followed up with the earlier this week most likely on XX/XX/19 to get the status, and was first told by the representative that no such request was initiated and then was told that there was a glitch in the system. I expressed my frustration and was told that a new request was being made, verified by mailing address and said this time for sure a check will be mailed out within 7 business days. The representative also said he will lodge an inquiry to the previous call but I would have to followup with them to get a status. \n\nI followed up again today XX/XX/19 and was told that they had a wrong address to which the check was mailed out that involved a PO Box . I told them I had not provided any such address and demanded to speak to a supervisor. I was on the phone for more than 40 minutes and again was rest assured that the refund shall be issued to my bank account free of charge by Wednesday the latest and that the supervisor shall personally followup on Monday and Wednesday. \n\nIt seems they are not willing to refund my money and every time I call, I get a run around, hollow apologies, false statements. This is not only poor customer service but they are deceiving their customers. \n\nI can not wait any longer to receive my refund and therefore am lodging this complaint.","date_sent_to_company":"2019-05-10T19:23:29.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"75019","tags":null,"has_narrative":true,"complaint_id":"3238544","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2019-05-10T19:03:56.000Z","state":"TX","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["The representative also said he will lodge an inquiry to the <em>previous</em> call but I would have to followup with them to get a status. \n\nI followed up again today XX/XX/19 and was told that they had a wrong address to which the check was mailed out that involved a PO Box . I told them I had not <em>provided</em> any such address and demanded to speak to a supervisor."]},"sort":[10.4888,"3238544"]},{"_index":"complaint-public-v1","_id":"2429123","_score":10.363836,"_source":{"product":"Consumer Loan","complaint_what_happened":"Back on XXXX, 2016, I made a payment to American Honda Finance Corporation online. This was very customary for me as it was a payday and I made sure to be proactive in my payments. After a few days, I noticed the payment was still pending online. I followed up with a phone call to Honda so that I could get clarification on why the payment was still pending. During the call, I was assured that the payment was received and the \" pending '' status was just a system glitch. I was very wary of this because it had almost happened before with a previous payment that almost caused a late payment. I even contacted my bank about the payment and was notified the payment was being taken out. However, it was still listed on the Honda website as a pending payment. On XX/XX/XXXX, the payment was \" officially '' cleared out of my account according to Honda. I do n't know what issue came about and what other payments were made that caused there to be a deficiency in my account but the payment was reversed. This is after I was assured the payment was processed already. After the payment was reversed, of course, there were additional bank fees and fees with Honda that caused me to be unable to make another payment within a few days. This caused my account to be reported late, and in turn seriously affected my credit score. I attempted several times to resolve this issue with Honda, as I had NEVER made a late payment before this incident. They refused to listen to my explanation of the situation, and while doing so stated that their reps never told me the payment was processed. I even went so far as to write a goodwill letter requesting the late payment to be deleted, and they did n't even acknowledge the letter I provided.","date_sent_to_company":"2017-04-11T04:07:40.000Z","issue":"Problems when you are unable to pay","sub_product":"Vehicle loan","zip_code":"77040","tags":null,"has_narrative":true,"complaint_id":"2429123","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"AMERICAN HONDA FINANCE CORP","date_received":"2017-04-11T04:07:40.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["During the call, I was assured that the payment was received and the \" pending '' status was just a system <em>glitch</em>. I was very wary of this because it had almost happened before with a <em>previous</em> payment that almost caused a late payment. I even contacted my bank about the payment and was notified the payment was being taken out. However, it was still listed on the Honda website as a pending payment. On XX/XX/XXXX, the payment was \" officially '' cleared out of my <em>account</em> according to Honda."]},"sort":[10.363836,"2429123"]},{"_index":"complaint-public-v1","_id":"21561590","_score":10.160135,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Nature of the Dispute : I am filing this complaint against PayPal XXXX XXXX for the continued withholding of my funds for over XXXX months and their failure to resolve a technical error in their banking system that prevents me from withdrawing my balance. \n\nComplaint Details : Initial Issue : Approximately XXXX year ago, I created an account using a pseudonym. At the time, the interface did not explicitly state a legal name requirement. Upon receiving funds, I was asked for identity verification, which I provided. PayPal immediately permanently limited my account. \n\nXXXX XXXX : I offered to verify my identity through any means, including a live camera session, but PayPal refused and placed a XXXX hold on my funds. \nXXXX XXXX XXXX : After the XXXX period expired, PayPal notified XXXX that I could withdraw my funds. However, their system incorrectly claims my bank account is already linked to XXXX other accounts. This is a factual error ; I do not have other accounts linked to this bank. This appears to be a glitch caused by previous attempts to link/unlink the account within their system. \n\nFailed Support : Support representatives suggested I send the money to a friend 's email. I attempted this with several verified friends, but PayPal 's system blocked every transaction, claiming the receiving accounts were \" suspicious '' or had \" errors. '' Current Status : My funds have been held for a total of XXXX years. Customer support is now consistently ignoring my messages and failing to provide a manual solution. \n\nDesired Resolution : I demand that PayPal manually facilitate the transfer of my remaining balance to my designated recipient 's. I no longer wish to troubleshoot their automated system and request a human intervention to release my property immediately.","date_sent_to_company":"2026-04-24T11:55:05.000Z","issue":"Trouble accessing funds in your mobile or digital wallet","sub_product":"Mobile or digital wallet","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"21561590","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-04-24T11:42:37.000Z","state":null,"company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["However, their system incorrectly claims my bank <em>account</em> is already linked to XXXX other <em>accounts</em>. This is a factual error ; I do not have other <em>accounts</em> linked to this bank. This appears to be a <em>glitch</em> caused by <em>previous</em> attempts to link/unlink the <em>account</em> within their system. \n\nFailed Support : Support representatives suggested I send the money to a friend 's email."]},"sort":[10.160135,"21561590"]},{"_index":"complaint-public-v1","_id":"14031944","_score":10.139543,"_source":{"product":"Credit card","complaint_what_happened":"XXXX ) I have only XXXX XXXX XXXX credit card account with Synchrony Bank. And the bank is asking for a double annual fee from me. \n\nXXXX ) My card ending in XXXX has an attempt of usage ( fraud ) by someone in early XX/XX/XXXX. I reported the incident through phone and the representative replaced my credit card with a new card ending in XXXX. She told me the credit card ending in XXXX is deactivated. \n\nXXXX ) After I received and activated the new card ending in XXXX. I still see the old account ending in XXXX when I logged on to the website. The representative on the hotline told me even when the old card was deactivated, it is going to be there on my account page forever. \n\nXXXX ) In XX/XX/XXXX, I saw both old card and new card are charging me annual fees. I called and talked to a representative. She told me not to worry. She said the old card has been deactivated and I wont be charged on the old card. I will only be charge on the new card. And there will not be any attempt to transfer money out from my checking account to pay the old cards annual fee. \n\nXXXX ) On XX/XX/XXXX my new card ending XXXX has an autopay transaction of {$95.00} annual fee made from my XXXX XXXX Checking account and the payment was successful. \nXXXX ) On the other hand, on XX/XX/XXXX, Synchrony Bank was trying to take money from a previous linked checking account ( which was closed already by the time ) to pay for an annual fee of {$95.00} to the deactivated credit card ending in XXXX. And then charging me for all those fees when the transfer was unsuccessful due to the checking account was closed. \n\nXXXX ) I talked to XXXX, a representative of the billing department on XX/XX/XXXX at around XXXX pm. She has been very helpful and listen to all the information I provided patiently and then try to solve the issue for me. She discussed with the manager and told me that the manager said there was a glitch in their system which made it trying to charge me twice for the annual fee on only XXXX credit card account that I have. She told me the manager waive the fees and interest that was charged and she will fix the annual fee issue for me and told me that I DO NOT have to do anything because my annual fee was already paid under the new card number ending in XXXX. \nMost importantly, she assured that this is NOT going to affect my credit score. \n\nXXXX ) I called again wanting to ask for XXXX again on XX/XX/XXXX because I still see a problem on the website in my account. The representative I spoke to helped me to review the case and said the same thing as XXXX, that I dont have to do anything. Im all set. I just need to wait for the result of the investigation. \n\nXXXX ) On XX/XX/XXXX, when I check my account. I still see that it is asking me to pay the double annual fee and is now charging me late charges and interest. \n\nXXXX ) I have filed disputes several times but those who handle the disputes seem that they don't care what I told them but just look for a payment to the deactivated credit card, which they should never even charge in the first place. \n\nXXXX ) If you check on the text alerts I received from Synchrony for the old card, you will see that the transaction I made on the old card has been transferred to the replacement card ending in XXXX. Meaning that card ending XXXX has been replaced by card ending XXXX, which involves only XXXX annual fee and it was paid on the due date successfully by auto payment. \n\nXXXX ) I believe that all these \" glitch '' was either caused by, like the manager said, the system itself or the representative who replaced my credit card did not deactivate the old card. But this shouldnt be something that borders me for almost 6 months, wasting me hours and hours of time calling and speaking with the bank 's representative. And because these representative have no idea what I told previous representative, I need to repeatedly telling each and everyone of the representative that I spoke to to let them know what happened. \n\nXXXX ) XXXX Synchrony Bank will fix the issue and make sure that I have a XXXX balance on the supposedly deactivated old card ending in XXXX before they really deactivated it. And hope they will make sure that this glitch from their bank system will not affect my credit score. \n\nThank you so much.","date_sent_to_company":"2025-06-12T08:11:34.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"91803","tags":null,"has_narrative":true,"complaint_id":"14031944","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-06-12T07:15:15.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["She has been very helpful and listen to all the information I <em>provided</em> patiently and then try to solve the issue for me. She discussed with the manager and told me that the manager said there was a <em>glitch</em> in their system which made it trying to charge me twice for the annual fee on only XXXX credit card <em>account</em> that I have."]},"sort":[10.139543,"14031944"]},{"_index":"complaint-public-v1","_id":"18323540","_score":10.112564,"_source":{"product":"Checking or savings account","complaint_what_happened":"In XX/XX/year>, I disputed a single charge in the amount of {$450.00}. The dispute was processed one time. When the merchant did not comply, the {$450.00} was removed from my account. I accepted this outcome and took no further action. \nIn XX/XX/year>, Navy Federal Credit Union issued a temporary credit of {$450.00}, which is clearly reflected on my account statements as a reversal. At no time after this reversal was I notified of an overpayment, duplicate credit, or outstanding balance related to this dispute. \nIn XX/XX/year>, my accountan account that has never previously been overdrawnwas suddenly debited and reflected a negative balance of approximately {$900.00}. Upon contacting Navy Federal Credit Union, I was informed by a representative that the negative balance was the result of a system glitch related to the XX/XX/year> dispute. \nI immediately questioned how an overpayment could exist when : I disputed the charge only once, I never received duplicate or excess funds, and any alleged overpayment should have been identified and corrected at the time of the XX/XX/year> reversal. \nNo explanation was provided for the delayed action, nor was I given prior notice before the funds were withdrawn. \nSince XXXX, all deposits made to my account have been automatically seized to offset this balance, causing ongoing financial harm. I am a single mother of XXXX young children, and this unexpected and unexplained account action has directly affected my ability to pay for essential living expenses. The stress and instability caused by this situation have been significant and ongoing.\n\nI am being held financially responsible for an internal processing error that I did not cause, did not benefit from, and was not informed of in a timely manner. This action appears inconsistent with fair billing, error-resolution, and notification requirements.","date_sent_to_company":"2025-12-28T01:28:26.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"28390","tags":null,"has_narrative":true,"complaint_id":"18323540","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-12-28T00:17:24.000Z","state":"NC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["In XX/XX/year>, my accountan <em>account</em> that has never <em>previously</em> been overdrawnwas suddenly debited and reflected a negative balance of approximately {$900.00}. Upon contacting Navy Federal Credit Union, I was informed by a representative that the negative balance was the result of a system <em>glitch</em> related to the XX/XX/year> dispute."],"product":["Checking or savings <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[10.112564,"18323540"]},{"_index":"complaint-public-v1","_id":"6087020","_score":9.99923,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"IN REGARDS TO MY OPEN COMPLAINT REFERENCE XXXX, I RECEIVED A LETTER FROM TRANSUNION TODAY XXXX STATING I NEED TO CONTACT THE CREDITORS MYSELF AND LET THEM INVESTIGATE. WHAT PART OF DUPLICATE INQUIRIES AND FRAUDGLENT INQUIRIES DO THEY NOT UNDERSTAND. I HAVE BEEN THROUGH THIS WITH TRANSUNION MULTIPLE TIMES WHICH IS WHY I CAME TO THE CONSUMER GOVERNMENT SITE FOR HELP. THEY ARE REFUSING TO REMOVE DUPLICATE ACCOUNTS, THEY ARE REFUSING TO REMOVE FRAUD ACCOUNTS KNOWING I AM A FRAUD VICTIM. THIS IS MY FINAL COMPLAINT AND THEN I WILL HIRE AN ATTORNEY AND PURSUE LEGAL ACTION AGAINST TRANSUNION FOR ALLOWING CREDITORS GET THROUGH TO EVEN MAKE AN INQUIRY ON MY REPORT WHEN MY ACCOUNTS ARE FROZEN AND SHOULD NOT BE ALLOWED ACCESS FROM ANYONE. THEY STATE SOMETIMES THERE IS A GLITCH IN THE SYSTEM AND IT CAN COME UNDONE BUT THE CUSTOMER WHO PAYS THE MEMBERSHIP ( ME ) AND THE FRAUD REPORTS DONT COUNT. IT'S MY RESPONSIBILITY. I AM ASKING FOR THE CONSUMER SERVICES TO STEP IN AND GET INVOLVED WITH THIS MATTER. EVERYTHING ON MY PREVIOUS OPEN CASE REFERENCE XXXX IS ON THERE AND WHAT IS ACCURATE AND WHAT IS NOT. PLEASE REMOVE THIS INFORMATION FROM MY REPORT. TRANSUNION 'S REFERNCE NUMBER THEY PROVIDED ON THEIR LETTER IS REF XXXX, I AM NOT AND WILL NOT CONTACT THIS COMPANY AGAIN AND SPEND ANY MORE OF MY LOST HOURS AND TIME EVERY DAY TRYING TO DO THIS. EITHER THEY TAKE CARE OF IT OR I WILL HAVE IT REMOVED LEGALLY AND SUE THIS COMPANY FOR LOSS TIME, MENTAL ANGUISH, PUNITAIVE DAMAGES THEY HAVE CAUSED ME WITH THIS SITUATION. THE INQUIRIES ARE FRAUD AND DUPLICATES REMOVE THEM .... DONT SEND ME A LETTER SAYING I HAVE TO DO IT, AS IF I ALREADY DIDNT SPEND MONTHS TRYING TO DO THIS AND YEARS ON OTHERS. DO NOT REPLY BACK TO THE CONSUMER SITE SAYING YOUR STILL WORKING ON IT AND 2 DAYS LATER SEND OUT A LETTER TO ME. UNACCEPTABLE.DO YOUR JOB...","date_sent_to_company":"2022-10-14T21:00:53.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33063","tags":null,"has_narrative":true,"complaint_id":"6087020","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-10-14T20:44:39.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["THEY STATE SOMETIMES THERE IS A <em>GLITCH</em> IN THE SYSTEM AND IT CAN COME UNDONE BUT THE CUSTOMER WHO PAYS THE MEMBERSHIP ( ME ) AND THE FRAUD REPORTS DONT COUNT. IT'S MY RESPONSIBILITY. I AM ASKING FOR THE CONSUMER SERVICES TO STEP IN AND GET INVOLVED WITH THIS MATTER. EVERYTHING ON MY <em>PREVIOUS</em> OPEN CASE REFERENCE XXXX IS ON THERE AND WHAT IS ACCURATE AND WHAT IS NOT. PLEASE REMOVE THIS INFORMATION FROM MY REPORT."]},"sort":[9.99923,"6087020"]},{"_index":"complaint-public-v1","_id":"8737742","_score":9.992811,"_source":{"product":"Student loan","complaint_what_happened":"I changed banks and needed to switch the account my autopay was coming out of starting after my payment due on XX/XX/year>. My servicer would not let me just switch my banking information, I had to set up a whole new auto pay request and cancel my old auto pay, which I did and was provided with email confirmation that it was set up. On XX/XX/XXXX, my next due date for payment, my payment was not withdrawn from the account, so I called my servicer and asked if my payment went through, they told me it can take up to 1 billing cycle for auto pay to work and that it was showing on their system as active. I disputed the interest being charged as I was entitled to the BIP discount of .25 % for having autopay, and the representative I spoke to stated he would note my dispute and that my payment was scheduled to come out XX/XX/year>. On XX/XX/year>, I again noticed my payment did not come out, I again called into the servicer who informed me that I was not set up for autopay and that there was some sort of glitch in their system. I was escalated up to a supervisor who informed me that my previous dispute was on their file, but was never looked into and that I would get confirmation of a resolution regarding my not getting my interest deduction promptly and that now my autopay is properly set up and would be backdated to XX/XX/year>. I then received a letter dated XX/XX/year> stating that my autopay did not properly go through, but their processing team as activated auto pay effective XX/XX/year>. I then received a letter dated XX/XX/year> stating I can not have the BIP reduction because autopay was reactivated XX/XX/year>, in direct contradiction to their previous letter stating it had been activated as of XX/XX/year>. I called my servicer regarding this, and after 30 minutes of back and forth, they refused to locate the letter they sent me and said all they could do was further research the issue, even though I have called in 3 times regarding this very issue.","date_sent_to_company":"2024-04-10T19:40:42.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"55044","tags":null,"has_narrative":true,"complaint_id":"8737742","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2024-04-10T19:20:55.000Z","state":"MN","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["I changed banks and needed to switch the <em>account</em> my autopay was coming out of starting after my payment due on XX/XX/year>. My servicer would not let me just switch my banking information, I had to set up a whole new auto pay request and cancel my old auto pay, which I did and was <em>provided</em> with email confirmation that it was set up."]},"sort":[9.992811,"8737742"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":115,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":115}]}},"product":{"doc_count":115,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":19,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":14},{"key":"Other banking product or service","doc_count":3},{"key":"Savings account","doc_count":2}]}},{"key":"Credit reporting or other personal consumer 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