{"took":163,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":18,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2930814","_score":22.776068,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I had a Dispute with XXXX XXXX XXXX XXXX, which took almost 5 months to resolve. After sending numerous dispute letters to the company, they finally credited back the amount of the item that was purchased, that was never recieved. The company never resolved it, until i filed a CFPB complaint to get it resovle. \n\nComplaint number : XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : Credit card or prepaid card Issue : Problem with a purchase shown on your statement During this 5 months process, my account incurreced Fee 's each month, finance fee 's, which isn't allowed while my dispute in being handled. This company is not following FCRA guidelines in regards to my dispute. Also they are failing to even investigate the dispute with due diligence causing these fee 's. So, after they finally removed all charges that were under dispute, XXXX XXXX XXXX XXXX   left the Finance charges and then have reported it negatively to my Credit reports. This isn't correct. I've attached all dispute letters in reference to this.","date_sent_to_company":"2018-06-08T20:05:03.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32065","tags":null,"has_narrative":true,"complaint_id":"2930814","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2018-06-08T19:42:19.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : <em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em> Issue : <em>Problem</em> with a <em>purchase</em> <em>shown</em> on your statement During this 5 months process, my account incurreced Fee 's each month, finance fee 's, which isn't allowed while my dispute in being handled. This company is not following FCRA guidelines in regards to my dispute. Also they are failing to even investigate the dispute with due diligence causing these fee 's."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["<em>Problem</em> with a <em>credit</em> reporting company's investigation into an existing <em>problem</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[22.776068,"2930814"]},{"_index":"complaint-public-v1","_id":"3368914","_score":22.144817,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Complaint Number XXXXStep 1What product or service is your complaint about?Step 2What type of problem are you having?(https://www.consumerfinance.gov/)Submit a complaint / Complaint filedPRODUCT OR SERVICECredit card or prepaid cardTYPEGeneral-purpose credit card or charge cardISSUEProblem with a purchase shown on your statementHAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY?YesTYPE OF ISSUECredit card company isn't resolving a dispute about a purchase on your statementXX/XX/ Complaint Printhttps://complaint.consumerfinance.gov/submit-a-complaint/s/complaint-print?sessionid=XXXX... XXXXStep 3What happened?Last month the above took out a debt consolidation loan with a company by the name ofXXXX XXXX account was approved for XXXX as a line of credit and about the 25th of last\n\nmonth the above issued check from his XXXX account in the amount of $XXXX. mailedthe check with his monthly credit card statement to XXXX less than 48 hours XXXX hadcredited the amount of the check to the above credit card and available balance , afterabout 10 days there became a problem with that check that was deposited and then whenthe above made contact with XXXX XXXX XXXX to ask them why they did not Institute aHold on said check in order to verify funds before accrediting my account they said they donot verify checks, after speaking with my account representative at XXXX XXXX   heinforms me that after XX/XX/XXXX With XXXX XXXX XXXX problem all federal and state institutionsare required to verify accounts if they are above $1000. Therefore if XXXX had placed ahold on said check and then said check had a problem then the only issue between thecustomer and the bank would be a returned check fee not a account overdrawn fee?XXXX XXXX feels XXXX  is negligent and therefore XXXX feels that they do nothave to pay for XXXX  mistakesWhat would be a fair resolution to this issue?no fees and no negative information on credit filesStep 4What company is this complaint about? I want the CFPB to publish this description on consumerfinance.gov","date_sent_to_company":"2019-09-10T12:27:27.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"34472","tags":null,"has_narrative":true,"complaint_id":"3368914","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-09-10T12:16:54.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Step 2What type of <em>problem</em> are you <em>having</em>?(https://www.consumerfinance.gov/)Submit a complaint / Complaint filedPRODUCT OR SERVICECredit <em>card</em> or <em>prepaid</em> <em>card</em>TYPEGeneral-purpose <em>credit</em> <em>card</em> or charge <em>card</em>ISSUEProblem with a <em>purchase</em> <em>shown</em> on your statement<em>HAVE</em> YOU ALREADY TRIED TO FIX THIS <em>PROBLEM</em> WITH THE COMPANY?"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[22.144817,"3368914"]},{"_index":"complaint-public-v1","_id":"13051715","_score":20.692213,"_source":{"product":"Credit card","complaint_what_happened":"Complaint Title : Lack of Transparency Regarding High Interest Rate and Non-Reducing Balance What happened? \nI applied for a CareCredit account online ( issued by Synchrony Bank ) over a year and a half ago to cover the cost of XXXX XXXX XXXX XXXX XXXX. At the time, I was not clearly informed that the interest rate would be 39.99 % APR. If the rate had been clearly disclosed, I would not have accepted those terms especially since I did not have trouble credit at the time. \nDespite making every monthly payment on time, my balance has barely gone down. It seems the majority of my payments are being applied to interest, and the monthly interest charges often exceed my minimum payment, making it feel like I'm falling deeper into debt despite paying consistently. \nThis feels misleading and predatory, particularly considering that this line of credit was meant to help with essential XXXX XXXX. I believe this violates fair lending and disclosure practices. \n\nCompany Name : CareCredit ( Synchrony Bank ) Product : Credit card or prepaid card Healthcare credit card Issue : Charged fees or interest I didn't expect ( Also could apply under : Problem with a purchase shown on your statement, Confusing or missing disclosures ) Account Number : XXXX","date_sent_to_company":"2025-04-17T16:45:51.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"295XX","tags":null,"has_narrative":true,"complaint_id":"13051715","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-04-17T16:32:00.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Charged too much interest"},"highlight":{"complaint_what_happened":["This feels misleading and predatory, particularly considering that this line of <em>credit</em> was meant to help with essential XXXX XXXX. I believe this violates fair lending and disclosure practices. \n\nCompany Name : Care<em>Credit</em> ( Synchrony Bank ) Product : <em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em> Healthcare <em>credit</em> <em>card</em> Issue : Charged fees or interest I didn't expect ( Also could apply under : <em>Problem</em> with a <em>purchase</em> <em>shown</em> on your statement, Confusing or missing disclosures ) Account Number : XXXX"],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[20.692213,"13051715"]},{"_index":"complaint-public-v1","_id":"12540560","_score":19.411766,"_source":{"product":"Prepaid card","complaint_what_happened":"I have enclosed correspondence between myself and XXXX XXXX  regarding a prepaid debit card in the amount of {$1100.00} which was issued to me in connection with a purchase of XXXX appliances. The present issue is that the card was misplaced ( thanks to my granddaughter ) and recently located in my car. When I found it I saw that the card was valid through XXXX, 2024 and I contacted the company named on the card at the address shown. \n\n1. I purchased the appliances on XX/XX/year>2024. The appliances were delivered in XXXX, 2024. Attached is a copy of the purchase invoice. \n2. I dont know when I received the card from XXXX XXXX but it clearly shows on the face of the card that it is a debit card. I have attached a copy of the card that was issued along with the correspondence which I have had with mypaymentvault.com. My recollection is that I received the card in a plain envelope, and the debit card it was glued to a card with activation instructions, or there was a sticker on the face of the card with activation instructions. \n3. I have not had any correspondence from or with XXXX  other than that which I have provided. I did not receive any notification that the card had expired or that I could renew or extend the card for a fee.\n\n4. You will note that they deny having any records pertaining to the account. The card came with a very short amount of time to use it, much less than a year.\n\n5. I believe I activated the card quite a while after it was received and that the total amount of transactions under the card before it as lost were less than {$100.00}.\n\nThere should be approximately {$1000.00} remaining on the card. I believe that since this is a significant amount of money, the company ( a ) decreased the amount of time to be able to use the card and ( b ) did not notify me that the card was expiring, and purposefully did not give me an opportunity to have the card replaced for the fee. \n\nAs I mentioned, this card was presented as a gift upon the purchase of the appliances should be treated as a gift card and should not be cancellable at the option and whim of the issuing company. \n\nAs I mentioned in my correspondence I have no problem paying the fee to have the card reissued with the remaining balance, but the representation by the credit card company that they are no longer able to access viewing the funds nor the card activity is a likely a misrepresentation.the company is likely required to have a records of transactions made with debit cards which identify the user for some statutory period of time.\n\nPlease contact me if you have any further questions regarding this matter. I sincerely appreciate any assistance which you may be able to provide. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX","date_sent_to_company":"2025-03-18T18:50:11.000Z","issue":"Trouble using the card","sub_product":"General-purpose prepaid card","zip_code":"339XX","tags":"Older American","has_narrative":true,"complaint_id":"12540560","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Newport Intermediate Inc.","date_received":"2025-03-18T18:39:14.000Z","state":"FL","company_public_response":null,"sub_issue":"Trouble getting information about the card"},"highlight":{"complaint_what_happened":["I <em>have</em> enclosed correspondence between myself and XXXX XXXX  regarding a <em>prepaid</em> debit <em>card</em> in the amount of {$1100.00} which was issued to me in connection with a <em>purchase</em> of XXXX appliances. The present issue is that the <em>card</em> was misplaced ( thanks to my granddaughter ) and recently located in my car. When I found it I saw that the <em>card</em> was valid through XXXX, 2024 and I contacted the company named on the <em>card</em> at the address <em>shown</em>. \n\n1. I <em>purchased</em> the appliances on XX/XX/year>2024."],"product":["<em>Prepaid</em> <em>card</em>"],"issue":["Trouble using the <em>card</em>"],"sub_product":["General-purpose <em>prepaid</em> <em>card</em>"],"sub_issue":["Trouble getting information about the <em>card</em>"]},"sort":[19.411766,"12540560"]},{"_index":"complaint-public-v1","_id":"16741298","_score":18.550486,"_source":{"product":"Credit card","complaint_what_happened":"* * Company : * * Goldman Sachs Bank USA ( Apple Card ) * * Product : * * Credit card or prepaid card - General-purpose credit card or charge card * * Issue : * * Problem with a purchase shown on your statement - Credit card company isnt resolving a dispute about a purchase on your statement * * Date of incident : * * XX/XX/year> * * Amount : * * {$78.00} * * Detailed description : * * On XX/XX/year>, I was charged {$78.00} by XXXX for an annual subscription that I did not authorize or intend to purchase. I had previously used XXXX during a free trial period for a single use and was unaware that a paid subscription would automatically renew. \n\nI discovered this unauthorized charge on XX/XX/year>, and immediately took the following steps : XXXX. Within XXXX hours, I requested a refund through Apples standard refund process - DENIED XXXX. I submitted a second refund request with detailed explanation - DENIED XXXX. I contacted XXXX XXXX by phone and explained the situation - They stated they could not help XXXX. I filed a dispute with Goldman Sachs XXXX Apple Card issuer ) explaining this was an unauthorized recurring charge - REJECTED XXXX. I filed a second dispute with Apple Card - REJECTED again XXXX. An Apple Card agent informed me this case is closed I believe my disputes were wrongfully denied for the following reasons : - I only used XXXX once during the free trial period and have not accessed any paid features since the charge occurred - I did not knowingly authorize an annual {$78.00} subscription - I reported the unauthorized charge within XXXX hours of discovery - I have received no value or benefit from this subscription - As a consumer, I have the right to dispute unauthorized recurring charges Goldman Sachs has failed to properly investigate my dispute and has denied me basic consumer protections under the Fair Credit Billing Act. Despite providing clear evidence that this was an unintended auto-renewal that I caught immediately, both Apple and Goldman Sachs have refused to issue a refund. \n\nI am requesting that the CFPB investigate this matter and require Goldman Sachs to properly review my dispute and issue the {$78.00} refund that I am entitled to receive.","date_sent_to_company":"2025-10-23T00:26:50.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"984XX","tags":null,"has_narrative":true,"complaint_id":"16741298","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2025-10-23T00:21:09.000Z","state":"WA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["* * Company : * * Goldman Sachs Bank USA ( Apple <em>Card</em> ) * * Product : * * <em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em> - General-purpose <em>credit</em> <em>card</em> or charge <em>card</em> * * Issue : * * <em>Problem</em> with a <em>purchase</em> <em>shown</em> on your statement - <em>Credit</em> <em>card</em> company isnt resolving a dispute about a <em>purchase</em> on your statement * * Date of incident : * * XX/XX/year> * * Amount : * * {$78.00} * * Detailed description : * * On XX/XX/year>, I was charged {$78.00} by XXXX for an annual subscription that I did not authorize or intend to"],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Problem</em> with a <em>purchase</em> <em>shown</em> on your statement"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a dispute about a <em>purchase</em> on your statement"]},"sort":[18.550486,"16741298"]},{"_index":"complaint-public-v1","_id":"19980560","_score":17.871893,"_source":{"product":"Prepaid card","complaint_what_happened":"On XX/XX/XXXX, I opened a dispute regarding a merchant transaction in the amount of {$130.00} on my Skylight XXXX prepaid card account. \n\nI was informed that I was not eligible for provisional credit due to the type of dispute. I was also told that a chargeback had been filed and that I would receive documentation within 10 days. I never received any written documentation, follow-up, or updates regarding the chargeback. \n\nIt is now XX/XX/XXXX, and the dispute remains unresolved. \n\nAdditionally, because the disputed amount has not been resolved, I have been charged {$11.00} in overdraft and decline fees, including multiple {$1.00} decline fees. These fees stem from the unresolved transaction and should not have been assessed while the dispute is pending. \n\nI have contacted customer service multiple times but have not received a clear resolution or written explanation of the status of my dispute. \n\nI am requesting : A full written explanation of the dispute status Copies of any chargeback documentation Resolution of the original {$130.00} dispute A refund of the {$11.00} in related overdraft and decline fees If this is for CFPB instead of XXXX, tell me Ill slightly adjust the tone to make it more regulatory-focused. \n\ncfpb Here is the CFPB-optimized version. This one is more regulatory and direct, which is what gets compliance departments moving : On XX/XX/XXXX, I filed a dispute regarding a merchant transaction in the amount of {$130.00} on my Skylight XXXX prepaid card. \n\nI was informed that I was not eligible for provisional credit due to the type of dispute. I was also told that a chargeback had been filed and that I would receive documentation within 10 days. I never received any written documentation or formal notice explaining the status or outcome of the chargeback. \n\nAs of XX/XX/XXXX, the dispute remains unresolved. \n\nBecause the disputed amount has not been credited or resolved, I have also been charged {$11.00} in overdraft and decline fees, including multiple {$1.00} decline fees. These fees are directly related to the pending disputed transaction. \n\nI believe the company has failed to provide timely written communication, documentation of the chargeback, and proper resolution of my dispute in accordance with prepaid account error resolution requirements. \n\nI am requesting : A written explanation of the investigation findings Copies of all chargeback documentation Resolution of the {$130.00} disputed transaction A refund of the {$11.00} in related overdraft and decline fees When you submit, choose : Product : Prepaid card Issue : Problem with a purchase shown on your statement Company : Skylight Financial or Netspend ( whichever appears ) This type of complaint usually gets routed directly to their compliance/legal department, not regular customer service. \n\nIf you want, I can also tell you what response to expect and how long it usually takes. \n\nalso in XXXX and XXXX i was told i would receive chargeback info within 10 business days never did Here is your updated CFPB complaint including that detail clearly and professionally : On XX/XX/XXXX, I filed a dispute regarding a merchant transaction in the amount of {$130.00} on my Skylight XXXX prepaid card. \n\nI was informed that I was not eligible for provisional credit due to the type of dispute. I was told that a chargeback had been filed and that I would receive documentation within 10 business days. \n\nIn XX/XX/XXXX and again in XX/XX/XXXX, I contacted customer service for updates. Each time, I was told that chargeback documentation would be sent to me within 10 business days. I never received any written documentation, formal notice, or explanation regarding the status or outcome of the chargeback. \n\nAs of XX/XX/XXXX, the dispute remains unresolved. \n\nBecause the disputed amount has not been credited or resolved, I have been charged {$11.00} in overdraft and decline fees, including multiple {$1.00} decline fees. These fees are directly related to the pending disputed transaction. \n\nI believe the company has failed to provide timely written communication, documentation of the chargeback investigation, and proper resolution of my dispute in accordance with prepaid account error resolution requirements. \n\nI am requesting : A written explanation of the investigation findings Copies of all chargeback documentation Resolution of the {$130.00} disputed transaction A refund of the {$11.00} in related overdraft and decline fees","date_sent_to_company":"2026-03-04T21:53:12.000Z","issue":"Problem with a purchase or transfer","sub_product":"Payroll card","zip_code":"705XX","tags":null,"has_narrative":true,"complaint_id":"19980560","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Netspend Corporation","date_received":"2026-03-04T21:42:58.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["I am requesting : A written explanation of the investigation findings Copies of all chargeback documentation Resolution of the {$130.00} disputed transaction A refund of the {$11.00} in related overdraft and decline fees When you submit, choose : Product : <em>Prepaid</em> <em>card</em> Issue : <em>Problem</em> with a <em>purchase</em> <em>shown</em> on your statement Company : Skylight Financial or Netspend ( whichever appears ) This type of complaint usually gets routed directly to their compliance/legal department, not regular customer service"],"product":["<em>Prepaid</em> <em>card</em>"],"issue":["<em>Problem</em> with a <em>purchase</em> or transfer"],"sub_product":["Payroll <em>card</em>"],"sub_issue":["<em>Card</em> company isn't resolving a dispute about a <em>purchase</em> or transfer"]},"sort":[17.871893,"19980560"]},{"_index":"complaint-public-v1","_id":"2498446","_score":17.729368,"_source":{"product":"Debt collection","complaint_what_happened":"Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : Credit card or prepaid card Issue : Problem with a purchase shown on your statement 1. Why was I not included in the class action lawsuit against XXXX XXXX XXXX by CFPB. 2. According to XXXX recent letter I was late on payment payment was due XX/XX/XXXX for {$110.00} that is why my account was closed in XX/XX/XXXX. I was still using card at the date it was not closed. My Cash rewards were forfeited per XXXX validation late XX/XX/XXXX. 3. Very bad reporting XXXX report shows XX/XX/XXXX account charged off.written off XXXX XXXX past due as of XX/XX/XXXX. XXXX report XX/XX/XXXX shows XXXX written off XXXX past due. That past due is what going up at XXXX a month please stop this account asap. 4. Please contact the malpractice firm midland credit management my rights as a consumer are being abused I insist an order be filed asap to sieze and desist.account ending in XXXX with XXXX XXXX. 5. I have a legal excuse from appeals court from XX/XX/XXXX to XX/XX/XXXXas to why my unemployment checks where being withheld at the max rate per week case # XXXX case # XXXX and case # XXXX Calif Unemployment Insurance Appeals Board XXXX County Office of Appeals that a total of 120 days the max amount of time to write off any account. What is this set me up for failure these three cases was over turned in my favor my check where being withheld unjust and back pay ordered after serving the penalty of 16 weeks no income I was legally bound.","date_sent_to_company":"2017-05-31T22:50:13.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"2498446","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2017-05-31T21:38:33.000Z","state":"CA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : <em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em> Issue : <em>Problem</em> with a <em>purchase</em> <em>shown</em> on your statement 1. Why was I not included in the class action lawsuit against XXXX XXXX XXXX by CFPB. 2. According to XXXX recent letter I was late on payment payment was due XX/XX/XXXX for {$110.00} that is why my account was closed in XX/XX/XXXX. I was still using <em>card</em> at the date it was not closed."],"sub_product":["<em>Credit</em> <em>card</em> debt"]},"sort":[17.729368,"2498446"]},{"_index":"complaint-public-v1","_id":"2498450","_score":17.593893,"_source":{"product":"Debt collection","complaint_what_happened":"Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : Credit card or prepaid card Issue : Problem with a purchase shown on your statement 1. Why was I not included in the class action lawsuit against Citi Bank XXXX by CFPB. 2. According to Ms recent letter I was late on payment payment was due XX/XX/XXXX for {$110.00} that is why my account was closed inXX/XX/XXXX. I was still using card at the date it was not closed. My Cash rewards were forfeited per Costco validation late XXXX XXXX. 3. Very bad reporting XXXX report showsXX/XX/XXXX account charged off.written off XXXX XXXX past due as of XXXX XXXX. XXXX report XX/XX/XXXX shows XXXX written off XXXX past due. That past due is what going up at XXXX a month please stop this account asap. 4. Please contact the malpractice firm XXXX XXXX XXXX  my rights as a consumer are being abused I insist an order be filed asap to sieze and desist.account ending in XXXX with citi bank. 5. I have a legal excuse from appeals court from XXXX XXXX to XXXX XXXX as to why my unemployment checks where being withheld at the max rate per week case # XXXX case # XXXX and case # XXXX Calif Unemployment Insurance Appeals Board XXXX County Office of Appeals that a total of 120 days the max amount of time to write off any account. What is this set me up for failure these three cases was over turned in my favor my check where being withheld unjust and back pay ordered after serving the penalty of 16 weeks no income I was legally bound.","date_sent_to_company":"2017-05-31T22:50:17.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"2498450","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2017-05-31T22:50:15.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : <em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em> Issue : <em>Problem</em> with a <em>purchase</em> <em>shown</em> on your statement 1. Why was I not included in the class action lawsuit against Citi Bank XXXX by CFPB. 2. According to Ms recent letter I was late on payment payment was due XX/XX/XXXX for {$110.00} that is why my account was closed inXX/XX/XXXX. I was still using <em>card</em> at the date it was not closed."],"sub_product":["<em>Credit</em> <em>card</em> debt"]},"sort":[17.593893,"2498450"]},{"_index":"complaint-public-v1","_id":"15845745","_score":15.784227,"_source":{"product":"Checking or savings account","complaint_what_happened":"Company : PayPal Product : Prepaid card or debit card Issue : Problem with a purchase shown on your statement What happened : I am filing this complaint against PayPal for multiple violations of Regulation E and procedural misconduct in handling unauthorized transaction disputes. \n\nOn XX/XX/year>, I experienced a series of unauthorized transactions to a merchant called Sorcery Reels. I filed disputes for XXXX transactions : {$10.00} ( Transaction ID : XXXX ) Denied {$3.00} ( Transaction ID : XXXX ) Approved {$90.00} ( Transaction ID : XXXX ) Denied All occurred on the same day, to the same merchant, in immediate succession. PayPal approved onXXXX and denied the others without explanation. This inconsistency suggests a flawed or incomplete investigation. \n\nOn XX/XX/XXXX, a PayPal representative named XXXX XXXX XXXX XXXX admitted via chat that the approved refund was issued as a payout, not recovered from the merchant, and that it was done without conducting a full investigation. This directly contradicts PayPals claim that all disputes were thoroughly reviewed.\n\nDespite my appeal, PayPal refused to issue provisional credit, citing that the case was previously closed. However, Regulation E 1005.11 ( c ) ( 2 ) ( iii ) requires financial institutions to treat a reasserted error as a new investigation and to issue provisional credit if resolution can not be completed within XXXX business days. PayPal failed to comply. \n\nTheir final denial relied on circumstantial assumptions : That I had funds in my account That transaction patterns were consistent That device access matched prior logins None of these prove authorization. Regulation E defines unauthorized use as any transfer initiated by someone without authority regardless of balance or device familiarity.\n\nAfter escalating to PayPals Executive Office, I received vague responses and was ultimately notified that my account was permanently deactivated due to unusual activity. No specific violation was cited. This appears retaliatory and obstructs my ability to access records or pursue resolution.\n\nI am requesting : 1. Immediate issuance of provisional credit 2. Full reinvestigation of all Sorcery Reels transactions 3. Delivery of all investigative documentation 4. Regulatory review of PayPals dispute handling practices and account termination procedures I have retained all correspondence, screenshots, and transaction records. I am prepared to submit supporting documentation upon request. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-09-11T14:29:05.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"654XX","tags":null,"has_narrative":true,"complaint_id":"15845745","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-09-10T17:47:16.000Z","state":"MO","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Company : PayPal Product : <em>Prepaid</em> <em>card</em> or debit <em>card</em> Issue : <em>Problem</em> with a <em>purchase</em> <em>shown</em> on your statement What happened : I am filing this complaint against PayPal for multiple violations of Regulation E and procedural misconduct in handling unauthorized transaction disputes. \n\nOn XX/XX/year>, I experienced a series of unauthorized transactions to a merchant called Sorcery Reels."],"sub_issue":["<em>Problem</em> using a debit or ATM <em>card</em>"]},"sort":[15.784227,"15845745"]},{"_index":"complaint-public-v1","_id":"17299185","_score":13.7461405,"_source":{"product":"Credit card","complaint_what_happened":"=========================================== PRODUCT TYPE : Credit card or prepaid card ISSUE : Problem with a purchase shown on your statement SUB-ISSUE : Credit card company isn't resolving a dispute about a purchase on your statement =========================================== WHAT HAPPENED : On XX/XX/XXXX, I initiated a dispute with Chase Bank for a fraudulent transaction on XXXX. The merchant 's support representative ( XXXX ) sent me multiple emails between July XXXX XXXX, instructing me to close my dispute with Chase in order for them to resolve the issue on their end. \n\nSpecifically, on XX/XX/XXXX at XXXX XXXX, XXXX stated : \" To avoid further consequences, we strongly encourage you to contact your bank without delay and request that the chargeback be withdrawn. Upon doing so, please obtain written confirmation or proof from your bank that the dispute has been canceled, and upload that documentation directly to this support ticket. '' Based on this direct instruction and believing it was necessary to receive a refund, I closed my dispute with Chase. \n\nAfter I closed the dispute : - XXXX and the seller immediately stopped responding to my messages - No refund was ever posted to my Chase account - I sent multiple follow-up emails ( XX/XX/XXXX, XXXX, XX/XX/XXXX ) with no response- The seller claimed on XX/XX/XXXX that I was \" provided the wristband as promised '' - which is completely false When I contacted Chase, they informed me the dispute was denied because \" funds were returned to the merchant. '' However, NO REFUND has ever been posted to MY account. Chase is treating a return of funds to the merchant/XXXX as a resolution, when I - the customer- never received any money back. \n\nI later attempted to reopen the dispute. Chase claims it was \" reopened and denied '' but provided no documentation showing any refund reaching my account. Chase representatives refuse to escalate further or perform a regulatory review, stating they \" can only take back money once. '' This is a clear case of merchant misrepresentation where : 1. The merchant deliberately instructed me to close my dispute 2. After I complied, they ghosted me completely 3. Chase closed the case without verifying I received a refund 4. Chase refuses reconsideration despite the dispute being closed under false pretenses I have complete email documentation showing XXXX 's instructions to close the dispute, their subsequent ghosting, and Chase 's refusal to properly review the case. \n\nWHAT I WANT THE COMPANY TO DO : 1. Conduct a full executive-level review of this case, recognizing that the dispute was closed due to merchant misrepresentation, not legitimate resolution 2. Provide complete documentation showing : - The exact date and amount of any alleged \" refund '' - Which account this refund was posted to - Proof that funds reached MY Chase account ( they have not ) 3. Reopen the dispute or issue a goodwill credit for my financial loss, as the original dispute closure was obtained through merchant fraud 4. Implement better training for representatives to recognize merchant misrepresentation tactics and not penalize customers who are misled into closing legitimate disputes This is not a standard \" chargeback denial '' - this is a case where I was deliberately deceived into closing my consumer protection claim, and Chase is refusing to correct their error in allowing this to happen. \n\nI am requesting Chase restore my loss and properly handle cases where merchants instruct customers to close disputes as a delay tactic. \n\n=========================================== COMPANY RESPONSE REQUESTED : Yes ===========================================","date_sent_to_company":"2025-11-17T20:01:32.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"46530","tags":null,"has_narrative":true,"complaint_id":"17299185","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-11-17T19:54:01.000Z","state":"IN","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["=========================================== PRODUCT TYPE : <em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em> ISSUE : <em>Problem</em> with a <em>purchase</em> <em>shown</em> on your statement SUB-ISSUE : <em>Credit</em> <em>card</em> company isn't resolving a dispute about a <em>purchase</em> on your statement =========================================== WHAT HAPPENED : On XX/XX/XXXX, I initiated a dispute with Chase Bank for a fraudulent transaction on XXXX."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Problem</em> with a <em>purchase</em> <em>shown</em> on your statement"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a dispute about a <em>purchase</em> on your statement"]},"sort":[13.7461405,"17299185"]},{"_index":"complaint-public-v1","_id":"6975105","_score":12.6946125,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"XXXX complaint OPEN Submitted STATUS Submitted to the CFPB on XX/XX/2023 PRODUCT Credit card or prepaid card ISSUE Problem with a purchase shown on your statement We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT XXXX XXXX XXXX XXXX card was charged by XXXX without my knowledge, and I did not get any bills from ( BOA ). No phones, no email, no message. Finally, I get bill from BOA and up on calling them I land up paying for no fault of mine. The BOA Person assured me that my account is clear and a \" 0 '' balance. I told them to cancel all my cards with their fraudulent bank. the chapter was closed. Now I am getting bills from BOA with a late fees and accrued interest charges. The account was closed with a \" 0 '' balance. They took away my {$1500.00} ( XXXX XXXX XXXX XXXX Dollars ) Cash Back Bonus. CHEAT, FRAUDS. I just want to inform that this is the type of fraudulent practice BOA is running ( SCAM ). They have PIMPS ( LOBBYIST ) Who are supported by Senators and Congressmen. We consumers have to suffer. WHAT A SHAME. I REFUSE TO PAY THIS AMOUNT THEY ARE DEMANDING SINCE IT IS NO FAULT OF MINE AND THEY CLEARED ME OUT. If no one can look into this then what I presume is that our US Government is no less than government of other countries ( XXXX, XXXX, XXXX, XXXX ) where bribery is open. Here too. Senators and congressmen are wooed to and the attitude is who cares about consumers. WHAT A SHAME. \n\nView full complaint Sent to company STATUS Sent to company on XX/XX/2023 We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nCompany still working STATUS Company response is in progress as of XX/XX/2023 The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. \n\nCOMPANY 'S INTERIM RESPONSE Bank of America is reviewing your inquiry. We require additional time to provide you a complete response. We will update the status of your inquiry on the portal with our response as quickly as possible. \n\nTHESE COMPANIES ARE BEING PROTECTED BY LOBBYIST AND POLITICIANS WHO GET UNLIMITED $ $ AS CAMPAIGN FUNDS. WHAT A SHAME. WE CONSUMERS HAVE TO FACE FOR ALL OF THESE FRAUDLUENT PRACTICES BEING IMPLEMENTED IN OUR COUNTRY. \nALMOST 1 MONTH FOR RESPONSE. HOW THE XXXX THEY CARE ABOUT A CITIZEN SINCE THEY HAVE CORRUPT POLITICIANS AND LOBBYIST PROTECTING THEM. WHAT A SHAME. \nREAD THE ABOVE RESPONSE I RECEIVED AND TILL DATE NO RESPONSE. BANK OF AMERICA REPRESENTATIVE OPENLY LIED TO ME. \nI AM ASHAMED TO WRITE THAT WE ARE NO LESS THAN OTHER CORRUPT COUNTRIES. \nI NEED RESPONSE FAILING WHICH I WILL PRINT THIS AND SEND IT TO NEWS CHANNELS NATIONWDE TO BE PUBLISHED HOW BANK OF AMERICA IS LYING TO THE GENERAL PUBLIC AND BEING PROTECTED. \nAN ANGRY CITIZEN WHO IS ASKING FOR HIS RIGHTS.","date_sent_to_company":"2023-05-15T03:50:06.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"220XX","tags":"Older American","has_narrative":true,"complaint_id":"6975105","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-05-15T03:16:27.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["XXXX complaint OPEN Submitted STATUS Submitted to the CFPB on XX/XX/2023 PRODUCT <em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em> ISSUE <em>Problem</em> with a <em>purchase</em> <em>shown</em> on your statement We received your complaint. Thank you. \nWe will review your complaint."],"product":["<em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[12.6946125,"6975105"]},{"_index":"complaint-public-v1","_id":"21901136","_score":12.579177,"_source":{"product":"Credit card","complaint_what_happened":"CFPB COMPLAINT BANK OF AMERICA , N.A . \nFiled by : XXXX ( XXXX ) XXXX Cardholder Account : ending XXXX Date : XXXX XXXX XXXX Subject Claim ID : XXXX Disputed Amount : {$35.00} CFPB Form Selections ( recommended ) Product : Credit card or prepaid card Sub-product : General-purpose credit card or charge card Issue : Problem with a purchase shown on your statement Sub-issue : Credit card company isn't resolving a dispute about a purchase on your statement Company : BANK OF AMERICA , NATIONAL ASSOCIATION Narrative ( paste into CFPB \" What happened? '' field ) On XXXX XXXX XXXX I opened a billing dispute with Bank of America ( Claim ID XXXX ) for a {$35.00} charge from XXXX ( Order XXXX, seller XXXX ). My dispute concerns the merchant 's refusal to honor its published return policy after I requested a return on the same day the merchandise was delivered. \nKEY FACTS ( all documented and submitted to BoA at intake ) : The merchandise was delivered on XX/XX/scrub>XXXX XXXX XXXX. I requested a refund the same day at XXXX XXXX, immediately upon inspection. \nThe seller ( XXXX ) denied the refund of {$32.00}. \nXXXX customer service representative \" XXXX '' stated in writing on the platform 's official chat : \" upon checking on your item, the reason on why you can not request a return is it is tagged as non returnable... it is not because it already passed the 90 day period. '' This is a sworn admission by the merchant that the refund was refused solely on the basis of an internal \" non-returnable '' tag, not because of any contractual return-window expiration. \nXXXXXXXX XXXX order page shows a popup stating : \" No items from this package are eligible for return. '' The order status reads \" Refund failed. '' The \" non-returnable '' classification was applied to the order AFTER delivery and AFTER my refund request. This is a unilateral, post-hoc revocation of the buyer 's contractual return remedy and is inconsistent with XXXXXXXX XXXX published consumer return policy. \nI uploaded the chat transcript and the order screenshots at claim intake on XXXX XXXX XXXX.\n\nPROCEDURAL HISTORY WITH BANK OF AMERICA : On XXXX XXXX XXXX, after BoA issued a generic \" Step 2 of 3 Request for additional information '' notice that did not identify any missing item, I sent Bank of America a formal complaint letter detailing the case, the regulatory basis ( Fair Credit Billing Act, 15 U.S.C. 1666 ; Regulation Z, 12 CFR 1026.13 ), and demanded final adjudication on the merits. The letter expressly placed BoA on notice of preservation obligations and notice of regulatory escalation. \nOn XXXX XXXX XXXX without acknowledging or substantively addressing my XXXX XXXX  complaint letter Bank of America issued a final denial. The stated reason was : \" We're unable to confirm that you were supposed to receive something different than what you received. We requested, but didn't receive, information showing what you received is different than what you purchased. '' WHY BoA 'S DENIAL IS NON-RESPONSIVE TO THE DISPUTE : My dispute is not about merchandise being \" different than purchased. '' It is about ( a ) the merchant refusing to honor its published return policy, and ( b ) the merchant retroactively tagging items as \" non-returnable '' to defeat my refund right. By framing my dispute as a \" goods not as described '' / quality claim and then denying it on that basis, Bank of America investigated a different claim than the one I filed. The merchant 's written admission that the refund was refused solely because of an internal \" non-returnable '' tag is dispositive on the actual dispute and was in BoA 's possession from intake. BoA never addressed it. \nREGULATORY ISSUES : 12 CFR 1026.13 ( c ) requires the creditor to conduct a \" reasonable investigation '' and to determine the dispute correctly. Investigating and denying a different claim than the one filed does not satisfy this standard.\n\n12 CFR 1026.13 ( f ) prohibits creditor collection on a disputed amount until the dispute is properly resolved. BoA 's denial places the disputed amount back into the balance owed without having resolved the actual dispute. \nThe XXXX XXXX XXXX XXXX Step 2 of 3 Request for additional information '' notice was generic and did not identify what specific evidence the bank considered missing, despite the merchant 's written denial, the chat transcript, and the order details having been submitted at intake. \nRESOLUTION REQUESTED : Reverse the XXXX XXXX XXXX denial and issue permanent credit of {$35.00} to my account ending XXXX. \nRe-open the investigation under the correct dispute classification merchant refusal to honor published return policy / credit not processed not \" merchandise not as described. '' Written confirmation that my XXXX XXXX XXXX  formal complaint letter was received and reviewed, and a substantive response to the regulatory points raised in that letter. \nInternal audit of why this dispute was misclassified as a quality dispute when the supporting evidence ( merchant 's written non-returnable admission ) clearly framed it as a refusal-to-credit dispute. \nI have preserved all evidence including the merchant chat transcripts, order screenshots, the BoA denial letter dated XXXX XXXX XXXX, and my XXXX XXXX XXXX formal complaint letter to BoA and will provide them to CFPB and to Bank of America 's response counsel as needed. An evidence chain document accompanies this complaint as an attachment.","date_sent_to_company":"2026-05-05T18:26:55.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"78626","tags":null,"has_narrative":true,"complaint_id":"21901136","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-05-05T18:23:17.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Filed by : XXXX ( XXXX ) XXXX Cardholder Account : ending XXXX Date : XXXX XXXX XXXX Subject Claim ID : XXXX Disputed Amount : {$35.00} CFPB Form Selections ( recommended ) Product : <em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em> Sub-product : General-purpose <em>credit</em> <em>card</em> or charge <em>card</em> Issue : <em>Problem</em> with a <em>purchase</em> <em>shown</em> on your statement Sub-issue : <em>Credit</em> <em>card</em> company isn't resolving a dispute about a <em>purchase</em> on your statement Company : BANK OF AMERICA , NATIONAL ASSOCIATION Narrative ( paste into CFPB \" What"],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Problem</em> with a <em>purchase</em> <em>shown</em> on your statement"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a dispute about a <em>purchase</em> on your statement"]},"sort":[12.579177,"21901136"]},{"_index":"complaint-public-v1","_id":"18553471","_score":12.435592,"_source":{"product":"Credit card","complaint_what_happened":"CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) COMPLAINT Date : XX/XX/XXXX Your Information : Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX Ga XXXX Email : XXXX Phone : XXXX XXXX XXXX Credit Card XXXX : [ ... ] XXXX Company Information : Company Name : Navy Federal Credit Union Address : XXXX. XXXX XXXX, XXXX, VA XXXX Phone : XXXX Complaint Details : What type of problem are you having? \nCredit card or prepaid card Problem with a purchase shown on your statement Purchase was fake, fraudulent, or was incorrectly charged Tell us what happened : I am filing this complaint against Navy Federal Credit Union for violating Regulation Z ( 12 CFR 1026.13 ) and the Truth in Lending Act ( TILA ) by failing to properly investigate and resolve a billing error dispute involving fraudulent and illegal transactions. \n\nOn multiple occasions from XXXX to XX/XX/XXXX, I filed disputes for charges totaling {$5500.00} made to a XXXX XXXX, XXXX XXXX XXXX XXXX. These charges were for legal services that were never authorized, never rendered, and later admitted by the merchant to be fraudulent. \n\nEvidence of Fraud and Illegality : XXXX. The merchant provided a signed confession letter ( XX/XX/XXXX ) admitting he breached our contract and promised a full refund. \n\nXXXX. A XXXX court order ( XX/XX/XXXX ) ruled his services were not legally authorized. \n\nXXXX. The merchant is under criminal investigation for procedural fraud in XXXX. \nXXXX. Colombian Consumer Protection Law ( Ley 1480 of 2011 ) mandates a refund for services not rendered. \n\nNavy Federals Violations of Regulation Z/TILA : XXXX. Failure to Conduct a Reasonable Investigation ( 12 CFR 1026.13 ( c ) ) Navy Federal denied my disputes based solely on the merchants response, ignoring conclusive evidence of fraud and illegality, including a foreign court order. A \" reasonable investigation '' can not disregard a judicial finding that the service paid for was illegal. \n\nXXXX. Failure to Acknowledge Billing Error ( 12 CFR 1026.13 ( a ) ( 3 ) ) The charges qualify as a billing error under 1026.13 ( a ) ( 3 ) : a reflection on a statement of goods or services not accepted by the consumer or not delivered to the consumer as agreed. Navy Federal wrongfully characterized this as a \" merchant dispute '' rather than a billing error involving fraudulent charges. \n\nXXXX. Failure to Provide Provisional Credit During Investigation For disputes over {$50.00}, Regulation Z requires the creditor to either : Complete its investigation within XXXX billing cycles, or Provide a provisional credit while investigating. \nNavy Federal failed to provide provisional credit or resolve the dispute within the required timeframe. \n\nXXXX. Violation of the Right to Withhold Payment ( 12 CFR 1026.13 ( b ) ( 1 ) ) I exercised my right to withhold payment on the disputed amount, but Navy Federal has not followed the proper procedures for resolving the dispute as required by law. \n\nXXXX. Violation of Visa Core Rules ( Compounding TILA Violation ) Navy Federal also ignored Visa Core Rule 10.4.2 ( Illegal Transaction ), which provides chargeback rights regardless of time limits. By refusing to process this chargeback, they are upholding an illegal transaction in violation of network rules. \n\nSteps Ive Taken : Submitted all evidence to XXXX XXXX multiple times Filed formal written disputes Received denial based on \" merchant response '' without addressing the evidence of illegality Escalated to Navy Federals XXXX office What would you like to happen? \nI request that the CFPB : XXXX. Investigate Navy Federals violation of Regulation Z and TILA. And validate Law 1480 of 2011 Colombia Consumer Protection laws. \n\nXXXX. Order Navy Federal to reopen and properly investigate my disputes ( Case XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ). \n\nXXXX. Order Navy Federal to permanently credit my account for the full disputed amount of {$5500.00}. For the Merchant violated several consumer protection laws in Law 1480 de 2011 in the juristiction of XXXX that regulates over the charge that occured in XXXX XXXX. \n\nXXXX. Ensure Navy Federal complies with all Regulation Z requirements for billing error resolution. \n\nXXXX. Take appropriate enforcement action against Navy Federal for these violations. \n\nAttached Documents : XXXX. XXXX signed confession and refund promise XXXX. Colombian court order proving illegal service XXXX. Criminal complaint filing against the merchant XXXX. Colombian Consumer Protection Law ( Ley XXXX ) excerpts XXXX. Navy Federal dispute denial communications XXXX. All transaction records and correspondence Certification : I certify that the information provided is true and correct to the best of my knowledge. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2026-01-08T01:52:04.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"30601","tags":null,"has_narrative":true,"complaint_id":"18553471","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-01-08T01:36:24.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["<em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em> <em>Problem</em> with a <em>purchase</em> <em>shown</em> on your statement <em>Purchase</em> was fake, fraudulent, or was incorrectly charged Tell us what happened : I am filing this complaint against Navy Federal <em>Credit</em> Union for violating Regulation Z ( 12 CFR 1026.13 ) and the Truth in Lending Act ( TILA ) by failing to properly investigate and resolve a billing error dispute involving fraudulent and illegal transactions."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Problem</em> with a <em>purchase</em> <em>shown</em> on your statement"],"company":["NAVY FEDERAL <em>CREDIT</em> UNION"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a dispute about a <em>purchase</em> on your statement"]},"sort":[12.435592,"18553471"]},{"_index":"complaint-public-v1","_id":"7211476","_score":11.987393,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I am writing this about US Bank and their Cash Rewards Credit Card. I have a checking account with US Bank and credit card. My problems began in XXXX I was traveling a lot, so I had many hotels and rental car companies that were taking some payments and many deposits/holds with my credit card. I usually paid with my debit card but most require a credit card for their deposit, so I used credit card for deposits. I did get a deposit from XXXX XXXX XXXX for {$200.00} on XXXX which was one of the first places I stayed then XXXX XXXX for {$170.00} on XXXX but after those two I did not see any deposits come back to my available credit for the entire month of XXXX. \nI rented from XXXXXXXX XXXX XXXX XXXX  on XXXX and they took a {$500.00} deposit from me in which I had to make a payment to card as all the funds were not available in credit so I know that the funds were being deducted from my available credit every time I used my card for deposits. Another two deposits with XXXX on XXXX and XXXX both with another {$500.00} each for deposit. \nNext was XXXXXXXX XXXX XXXX who took a {$200.00} on XXXX. \nXXXX XXXX XXXX on XXXX for {$500.00}. \nXXXX again on XXXX for {$250.00}. \nI also stayed at XXXX XXXX in XXXX where they took several deposits from XXXX to XXXX for $ XXXX {$110.00}. \nXXXX XXXX in XXXX who took {$250.00} on XXXX and {$250.00} on XXXX. \nEnding with XXXX XXXX who took {$100.00} deposit on XXXX, XXXX, XXXX, XXXX, and XXXX. \nI would make a payment to credit card to cover large deposits as I was close to my availability in the beginning. I decided to pay off my cards balance on XXXX to make it clear where these deposits were going exactly. My balance on this day was shown at {$2600.00}. I paid in full. \nAfter paying in full I noticed my cards available balance was never close to the {$3000.00} credit line I have it still showed a balance of {$2300.00} with only {$150.00} available credit. So I started to communicate with the support on my credit card from US Bank. Next, I will list the dates I have and ways I talked to them about my various concerns for the last few months. I will only list what I can verify with my phone records and with bank officials in Branch locations. My available phone records only go back by 2 months so I can only list those calls. \nOn XXXX XXXX I called because I had received an email from US Bank XXXX XX/XX/XXXX saying I had requested their program extend pay and the request was being processed. I did not know what this was and I had not requested anything on my account. The first girl I spoke with told me she was new to extend pay program and so she had limited information. What she told me she understood is that when an individual purchases a large item with a charge card they will put that charge into extend pay and they can pay off the item without interest for a small fee. I again told her that I had not purchased anything large and did not sign up for this program. She finally gave me a supervisor who also was not familiar with this program which I again told her I did not sign up for. I thought that from this phone call they would investigate why this was going on and the problem would be cleared up and so would this extend pay that they claim I requested. \nI then looked at my statement online and saw that they were saying I put a charge to XXXX XXXX XXXX XXXX into extend pay along with a deposit from XXXX XXXX Hotel that should have been a credit not a charge at all. The charge from XXXX XXXX XXXX XXXX for {$1300.00} had a transaction date of XXXX but paid on XXXX. I paid my balance on my card off on XXXX so the charge from XXXX was paid off and should not even be on my account anymore. On XXXX ( 43min ) I called the bank in which I was told I can not get out of this extend pay unless I pay it off in full after this call, I went into a branch to see if they could help. \nOn XXXX I went into a branch in a XXXX store and was helped by a gentleman who told me he had limited information on credit cards but gave me a printout of what he could see which I still have, and I left. On this there is a charge shown by XXXX XXXX in the amount of {$250.00} which was supposed to be a deposit/hold. This charge disappeared from any other record that I can see from statements and the bank. \n\nOn XXXX I went into a bank branch for appointment I made at XXXXXXXX XXXX- the lady ( XXXX ) who helped me was very nice but again printed out some information on my account and said it was a lot to go through and that she could not see all the information that the people can see through the credit card support so she could not explain why the money was not coming back in my available balance from the holds and or why the extend pay was there and double charged to me from what she could see. I called credit card support at XXXX ( 30min ) and was not getting anywhere so I hung up but called back at XXXX ( 41min ) and was given a supervisor who said she would dispute the XXXX  and XXXX deposits XXXX \nThroughout all of this I had contacted the merchants who all said they had released the deposits to bank which bank said no they did not see them at all at the beginning of each call only to see them by the end but say the had not released. \nOn XXXX ( 57min ) I spoke to XXXX who was a supervisor and explained that the extend pay should not be there they charged me for it twice and then said I put it into extend pay day before my statement was to come out. This charge was paid off on XXXX after it paid on XXXX. She said she saw what I was saying and would turn it in for investigation to the fraud department. \nOn XXXX ( 23min ) XXXX called from the fraud department and asked what the concern was and after I told her she began to tell me she would only refer to charges on my statements would not discuss deposits/holds. I can not see them only the deductions from them which should show back up in my available credit but do not. She was rude and aggressive and said I can only pay off extend pay was not able to get out of that charge. I ended the call as it was not going anywhere productive. \nI called on XXXX ( 142 min ) the call started with a gentleman who kept repeating that the deposits/holds just fall off once released and if the merchants were saying they had released them then they had fallen off. I tried to explain to him that almost every time I had a large deposit, I would make a payment before because I wanted to make sure I had enough available credit to cover them. Starting XXXX {$1000.00} payment, XXXX {$110.00} & {$120.00}, XXXX {$1200.00} & {$990.00}, XXXX {$450.00} & {$900.00}, XXXX $ XXXX $ XXXX {$2600.00}, XXXX {$300.00}, XX/XX/23 {$400.00}, XXXX {$300.00}, XXXX {$500.00}. I had {$40.00} rewards applied to account on XXXX. Also {$660.00} in credit from the first two deposits I made and other merchants. The bank shows a credit of {$1300.00} and {$110.00} on statement but it is obvious that was never credited to my account as they put it in as a charge to account immediately after the credit- this is supposed to be for the extend pay that I never signed up for and for a charge I paid off on XXXX when I paid my card balance in full. He sent me over to a supervisor that was XXXX and she was more pleasant this time. I explained that XXXX had put in a dispute during my previous call about the two deposits from XXXXXXXX XXXX  and one from XXXX. The reason was that she could see where XXXX released the first deposit ( {$500.00} ) on XXXX but it was not applied to my available credit on card. The second deposit ( {$500.00} ) that XXXX said was released on XXXX she did not see released at all. The deposit from XXXX ( {$250.00} ) she could not see yet released and the notes from the first dispute with XXXX over deposit ( {$200.00} ) were not clear as to the outcome. After going back and forth with XXXX for quite some time she agreed that the deposits did not come back to me and gave me to another supervisor who could see more information about the disputes than her. This person said she would put in for an investigation on the outcome of first dispute and would try to expedite the current dispute and why I never was given provisional credit promised when disputes were filed. I did not hear back as I was supposed to be called the following day. \nI called on XXXX @ XXXX ( 18 min ) to find out what was happening as I still did not have any provisional on my card and XXXX said she saw all the notes on my account about these problems but would NOT be discussing any of them with me. If I had another problem other than the above, she was willing to discuss it but if not she was ending the call. \nLater on, XXXX provisional credit appeared on my available credit on card in these amounts : {$280.00} and {$220.00}. These were charges to my card from XXXX XXXX XXXX  from a separate rental where I had to get an extension. These charges have nothing to do with the deposits released on XXXX and XXXX from XXXX. \nThe reason for all the hotel stays and rental cars is that I was evicted from my home in XXXX and had to sell my car and other belongings. From this I have had to pay for rental cars and hotels. I was counting on the money from the deposit/holds coming back to my availability so I could use it for a place to live. But the banks continued run around on all this has kept me from being able to access those funds and has cost me more of the little I had left in my checking account with US Bank. \nWhen I first sold my car, I had the gentleman who bought it give me a cashiers check for the amount he paid he offered cash but I thought a cashiers check was better as to not need to worry about the dollar bills all being real. The cashiers check was drawn on a local bank and I was able to call the number on the front to verify the funds. When I took it into the bank to cash it they only made available {$2000.00} and held the other {$15000.00} for 14 days. This cost me as I needed the money to get to family in XXXX Wyoming and had to pay for storage and XXXX  out of the available funds. After paying for a room for one week and the above I needed more of my funds to pay for deposit at XXXX that I already paid for online just needed the deposit. They refused to free any funds, so I was unable to access the room I prepaid for and was left to sleep in a rental car with my two XXXX  dogs. I called them several times, but they refused to clear any money for me. \nWe recently have encountered a problem with deposit from our current hotel with our checking account as well. The hotel released the deposit, but our checking account charged it as a charge overdrawing our account. We had {$180.00} in our account and after they took two charges of {$84.00} & {$83.00}, and one other came in at {$21.00} When we called and told them about the error it took them 4 days to give back the two {$80.00} charges. But we should have had {$160.00} already in our account when the two {$80.00} charges came back so our account should have been {$330.00}. But they gave us back the charges only and did not give back the money that they took to overdraw the account.\n\nI have been a customer of US Bank for over ten years and really dont understand the problems that I have been having. They have been very unhelpful with trying to get any answers to my problems. I would not have continued to use my credit card for the deposits as the problem has been on going but most merchants will not accept your debit card for deposits only credit card, so I have had no choice other than to continue to use them as a way to pay for housing and rental cars. I need this to be fixed so I can obtain permanent housing with the money that is tied up. Thank you in advance for your time and help. If you have any questions, please email me at XXXX or call me at XXXX. I have receipts, statements from bank, print outs from bank appointments which show a clear inconsistency. I also have my phone records showing communication with them on dates I listed.","date_sent_to_company":"2023-07-06T12:15:35.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"85119","tags":null,"has_narrative":true,"complaint_id":"7211476","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2023-07-06T11:54:56.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I am writing this about US Bank and their Cash Rewards <em>Credit</em> <em>Card</em>. I <em>have</em> a checking account with US Bank and <em>credit</em> <em>card</em>. My <em>problems</em> began in XXXX I was traveling a lot, so I had many hotels and rental car companies that were taking some payments and many deposits/holds with my <em>credit</em> <em>card</em>. I usually paid with my debit <em>card</em> but most require a <em>credit</em> <em>card</em> for their deposit, so I used <em>credit</em> <em>card</em> for deposits."],"product":["<em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em>"],"issue":["<em>Problem</em> with a <em>purchase</em> <em>shown</em> on your statement"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a dispute about a <em>purchase</em> on your statement"]},"sort":[11.987393,"7211476"]},{"_index":"complaint-public-v1","_id":"6566036","_score":11.105038,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Your complaint Complaint Number XXXX Step 1 What product or service is your complaint about? \n\nPRODUCT OR SERVICE Credit card or prepaid card TYPE General-purpose credit card or charge card Inactive modal Step 2 What type of problem are you having? \n\nISSUE Getting a credit card HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nYes TYPE OF ISSUE Card opened as result of identity theft or fraud Step 3 What happened? \n\nSTATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Credit card or prepaid card ISSUE Problem with a purchase shown on your statement We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT A fraudulent account was open in XXXX, with Chase Bank. I discovered this account personally, back on XX/XX/XXXX of XXXX. And there was multiple drafts : Checking account : XXXX - {$3000.00} XX/XX/XXXX - {$500.00} XX/XX/XXXX - {$2200.00} XX/XX/XXXX - {$3000.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1300.00} XX/XX/XXXX On XX/XX/XXXX I finally got all the information together. And I reported it to my Bank and Chase Bank, I struggled with Chase Bank for about a year. On XX/XX/XXXX they said they would reverse the charges but now they are reversing it and saying that they will not pursue me but will also not refund my money. XXXX from Fraud operations, to inform me that \" she has accepted my fraud claim on this account and that I would not be responsible for any balance, please allow 48 hours to adjust the account and call back to confirm, after I called they said they are rebilling it, and that they are reversing what she decided. '' View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. Company still working STATUS Company response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. COMPANY 'S INTERIM RESPONSE We're still working on your request and will send you a letter as soon as we complete our research. Thank you for your patience Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response We appreciate you taking the time to tell us about our service. Your feedback helps us serve you better. We aim to give exceptional service and are sorry if we did not meet this goal. The agreement between us is that either you or we may close an account, other than a CD, at any time for any reason or no reason without prior notice. For more information, please see the Deposit Account Agreement. You were provided a copy of the agreement when you opened your account. You can see the current agreement on chase.com. We are not required to give you a reason for our decision to close the account. We are not able to reopen your account and you are not eligible for a new account. We were not able to locate a checking account ending in XXXX in your name. We have no record of claims on file for the transactions detailed in your compliant. We respectfully decline your request for reimbursement. If you would like to dispute a transaction, please call us at XXXX, or complete the claim form on chase.com. We are not able to release copies of recordings, as they are for internal use only. We suggest you work with your local law enforcement to resolve this matter. We will work with them if they contact us. We apologize for the inconvenience this has caused you. ATTACHMENTS XXXX, XXXX - Final Letter - XXXX Feedback provided STATUS Feedback provided on XX/XX/XXXX Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS I made chase aware of the details and they have ignored and neglected the real information conveyed. This is repulsive, they need to be stopped. I plan to sue both parties for unethical operations and obstruction I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS They lied THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS They played stupid What happens now? The complaint process is complete and your complaint is now closed. We have taken the following additional actions on your complaint : We added your complaint to the CFPBs Consumer Complaint Database. Your feedback, and feedback from others, helps us understand how companies are addressing concerns raised by consumers in their complaints. We will also share your feedback with the company. We have also shared your complaint with the Federal Trade Commission, which will add your complaint to its database for state and federal law enforcement agencies. We appreciate your participation in the complaint process and your feedback on the companys response. Both are important to us and consumers who may have similar issues and concerns. Closed The CFPB has closed your complaint. Card ending in XXXX My name is XXXX XXXX, I had a chase freedom card that was paid and closed. My checking account was linked to it and when the online profile was taken over, a new application for this XXXX card ending in XXXX was opened without my knowledge or authorization. The fraudster used the linked checking from the previous valid account to make payments without my knowledge or authorization. Ive had this account already blocked by all the reporting agencies, the communication I received when I disputed this account which chase, was a determination that I was responsible for this account based on the payments completed from the linked checking account that I was the soul owner of. Its not only insulting, but criminal your team decided to neglect the previous attempts by both XXXX XXXX and myself a year ago to dispute and recover these payments, and have proceeded to Harass me for additional payments to an account I do not own, yet chase attempts to hold me responsible for based on their belief I submitted payments consciously to this fraud account, with record of the ach disputes on file with your team. Attached please find the ach disputes I filed a year ago, submitted for review again. Ive sent these documents a number of times, and its disgusting to think chase has been in business at the capacity it currently operates with such criminal neglect to the information contradicting their findings, or attempts to sue me for additional money, while you guys Hold over {$9000.00}, an amount of grand larceny, after many attempts to recover these funds. You have 7 days to get me the refund for the ach drafts completed to chase without my authorization or Im prepared to take legal action and exploit the criminal actions made by chase in this matter with knowledge/ record of correspondence to XXXXXXXX XXXX refusing to refund the ach disputes we placed, as well as all the laws and violations committed by chase under the fair credit reporting act. My cell is XXXX. Please feel free to reach out to me at any time of any day. This matter requires your immediate attention. Please do the right thing, I will not stop until you do. XXXX XXXX Ss- XXXX XXXX XXXX XXXX XXXX, NJ XXXX C- ( XXXX ) XXXX If you guys play stupid and lie to me in response, again, as XXXX did on monitored and recorded lines, Ill sue for everything I can. Ive never been so disgusted and victimized. Chase is a nightmare and must be stoped I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. \n\nThe CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. \nInactive modal What would be a fair resolution to this issue? \n\nThe money returned as XXXX from fraud recovery promised on XX/XX/XXXX from my XXXX checking account to a fraud credit card account ending XXXX. \n10 attachments View uploaded documents by clicking on the file name. Documents that pass virus scanning are typically available within 2 minutes of upload. \nXXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX MB ) XXXX ( XXXX KB ) XXXX ( XXXX MB ) XXXX ( XXXX MB ) Step 4 What company is this complaint about? \n\nCOMPANY INFORMATION CHASE CREDIT CARD CARD NUMBER XXXX Step 5 What people are involved? \n\n\nYOUR CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX YOUR DEMOGRAPHIC INFORMATION Age XXXX Household size including total number of adults and children XXXX About us Were the Consumer Financial Protection Bureau ( CFPB ), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. \n\nLearn how the CFPB can help you HAVE A QUESTION? PREGUNTAS? \n\n( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXX XXXX XXXX. to XXXX XXXX XXXX, XXXX - XXXX ( except federal holidays ). \n\nMore than 180 languages available. \n\nPrivacy Act Statement OMB # XXXX Note on user experience Have a question? Preguntas? \n( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXX XXXX XXXX. to XXXX XXXX. XXXX, XXXX through XXXX ( except federal holidays ). \nMore than 180 languages available.","date_sent_to_company":"2023-02-13T19:57:52.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"078XX","tags":null,"has_narrative":true,"complaint_id":"6566036","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-02-13T19:55:47.000Z","state":"NJ","company_public_response":null,"sub_issue":"Card opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["PRODUCT OR SERVICE <em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em> TYPE General-purpose <em>credit</em> <em>card</em> or charge <em>card</em> Inactive modal Step 2 What type of <em>problem</em> are you <em>having</em>? \n\nISSUE Getting a <em>credit</em> <em>card</em> <em>HAVE</em> YOU ALREADY TRIED TO FIX THIS <em>PROBLEM</em> WITH THE COMPANY? \nYes TYPE OF ISSUE <em>Card</em> opened as result of identity theft or fraud Step 3 What happened? \n\nSTATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT <em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em> ISSUE <em>Problem</em> with a <em>purchase</em> <em>shown</em> on your statement We received your complaint."],"product":["<em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em>"],"issue":["Getting a <em>credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Card</em> opened as result of identity theft or fraud"]},"sort":[11.105038,"6566036"]},{"_index":"complaint-public-v1","_id":"17357989","_score":9.204444,"_source":{"product":"Credit card","complaint_what_happened":"PART XXXX : COMPLAINT DETAILS Company : JPMorgan Chase Bank , N.A . \nProduct : Credit card or prepaid card Sub-product : General-purpose credit card or charge card Issue : Problem with a purchase shown on your statement Sub-issue : Credit card company isn't resolving a dispute about a purchase on your statement Date of Incident : XX/XX/XXXX ( when charge reappeared on account ) PART XXXX : DETAILED COMPLAINT TEXT SUMMARY : I am being held liable for a {$290.00} charge from XXXX despite the merchant confirming in writing that no goods were delivered. Chase has refused to process my billing error dispute, instead directing me to a closed fraud case that is unrelated to the current issue. \n\nCHRONOLOGICAL TIMELINE : XX/XX/XXXX : - XX/XX/XXXX : I made a legitimate {$170.00} purchase from XXXX for medication XX/XX/XXXX : - XX/XX/XXXX : XXXX charged my Chase Freedom Flex card ( ending in XXXX ) {$290.00} for what I later learned was an automatic subscription renewal ( Invoice # XXXX ) - I was unaware this was a recurring subscription charge XX/XX/XXXX : - Early XX/XX/XXXX : Upon seeing the {$290.00} charge, I did not recognize it as a subscription renewal and reported it to Chase as potential fraud - XX/XX/XXXX : Chase provided provisional fraud credit of {$290.00} ( posted XX/XX/XXXX ) - XX/XX/XXXX : Chase closed my card ending in XXXX and issued new card ending in XXXX - XXXX XXXX : Chase conducted fraud investigation XX/XX/XXXX : - Chase determined the XX/XX/XXXX charge was a legitimate authorized subscription- I paid my account balance to {$0.00} in good faith - XX/XX/XXXX : XXXX attempted to charge the OLD closed card ( XXXX ) for the next subscription month - XX/XX/XXXX : I received email from XXXX stating \" our recent attempts to charge your XXXX XXXX have failed '' XX/XX/XXXX : - XX/XX/XXXX : Chase reversed XXXX fraud provisional credit by posting a {$290.00} \" adjustment '' to my account - XX/XX/XXXX : I contacted XXXX to request proof of delivery for the XX/XX/XXXX charge - XX/XX/XXXX : XXXX responded IN WRITING with XXXX critical confirmations : EMAIL XXXX ( XX/XX/XXXX XXXX AM ) : \" After reviewing your account, we weren't able to find a recent refill request. Because of this, no additional medication has been sent out. '' EMAIL XXXX ( XX/XX/XXXX XXXX PM ) : \" Upon reviewing your account, and excluding the payment made on XX/XX/XXXX ( which was already refunded ), we can confirm that you have made XXXX successful payment on XX/XX/XXXX. '' - XX/XX/XXXX : Chase statement closed showing {$290.00} balance due XX/XX/XXXX - XX/XX/XXXX ( multiple attempts ) : I called Chase customer service at XXXX multiple times attempting to file a billing error dispute - Each time, Chase representatives told me they could not process a dispute and transferred me to the fraud department - Fraud department stated the fraud case is closed and they can not help- I was passed between departments with no resolution - No one would file my billing error dispute despite my explicit requests THE CORE ISSUE : I am being held liable for {$290.00} for goods I never received. The merchant has confirmed in writing : XXXX. No refill request exists for the XX/XX/XXXX charge XXXX. No medication was shipped XXXX. The payment was \" already refunded '' in their system XXXX. I have only XXXX successful payment on record ( XX/XX/XXXX ) Despite this clear evidence that no goods were delivered, Chase refuses to process my billing error dispute. \n\nVIOLATION OF FEDERAL LAW : This constitutes a violation of the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z ( 12 CFR 1026.13 ), specifically : 1. Regulation Z 1026.13 ( a ) ( 3 ) : A billing error includes \" a reflection on a periodic statement of goods or services not accepted by the obligor or the obligor 's designee or not delivered to the obligor or the obligor 's designee as agreed. '' 2. Regulation Z 1026.13 ( d ) : When a consumer disputes a billing error, the creditor must conduct a reasonable investigation and either correct the error or explain why the bill is correct. \n\nXXXX. Chase has refused to investigate despite : - Written confirmation from the merchant that no goods were delivered - My multiple attempts to file the dispute by phone - Clear evidence this is a legitimate billing error, not a fraud dispute CONFUSION CAUSED BY CHASE : The fraud investigation is a SEPARATE issue from this billing error dispute : - Fraud question : \" Did I authorize this charge? '' Answer : YES ( fraud case closed ) - Billing error question : \" Did I receive what I paid for? '' Answer : NO ( current dispute ) Chase 's representatives are conflating these XXXX separate issues and using the closed fraud case as a reason to refuse processing my billing error dispute. This violates my rights under federal consumer protection law. \n\nI have acted in good faith throughout : - I paid my account to {$0.00} believing the matter was resolved - I contacted the merchant directly to attempt resolution - I obtained written confirmation from the merchant- I made multiple attempts to file the dispute with Chase - I followed proper procedures under the Fair Credit Billing Act FINANCIAL HARM : - Current balance : {$290.00} - Payment due : XX/XX/XXXX - Minimum payment due : {$40.00} - If unpaid, I face : late fees up to {$40.00}, penalty APR up to 29.99 %, and negative credit reporting REQUESTED RESOLUTION : 1. Chase must accept and process my billing error dispute under Regulation Z 2. Immediate provisional credit of {$290.00} while investigation is pending ( as required by Reg Z 1026.13 ( f ) ( 2 ) ) 3. Chase must contact XXXX directly to verify no goods were delivered 4. Permanent removal of the {$290.00} charge based on merchant 's written confirmation 5. Written confirmation that this matter will not be reported negatively to credit bureaus 6. Written documentation of Chase 's investigation findings 7. Assurance that Chase will properly train representatives to distinguish between fraud disputes and billing error disputes ADDITIONAL CONTEXT : I attempted to resolve this by phone multiple times but was refused service. I should not be required to pay {$290.00} for goods I never received simply because Chase representatives do not understand the difference between a fraud dispute and a billing error dispute, or because their system incorrectly flags this as a closed fraud case. \n\nThe merchant 's own records confirm no goods were delivered. This is a clear-cut billing error under federal law, and Chase is required to investigate and resolve it.\n\nKEY EVIDENCE ATTACHED : 1. MERCHANT CONFIRMATION OF NON-DELIVERY : - Email dated XX/XX/XXXX, XXXX XXXX : XXXX states \" we weren't able to find a recent refill request. Because of this, no additional medication has been sent out. '' - Email dated XX/XX/XXXX, XXXX PM : XXXX states \" excluding the payment made on XX/XX/XXXX ( which was already refunded ), we can confirm that you have made XXXX successful payment on XX/XX/XXXX. '' - These emails prove the merchant did not deliver goods for the disputed {$290.00} charge XXXX. CHASE STATEMENTS SHOWING THE CHARGE : - XX/XX/XXXX statement shows {$290.00} charge from \" XXXX XXXX XXXX XXXXXXXX XXXX '' with transaction date XX/XX/XXXX - Statement shows current balance of {$290.00} due XX/XX/XXXX - Previous statements show the fraud credit and subsequent reversal XXXX. TRANSACTION HISTORY : - XXXX export shows adjustment posting on XX/XX/XXXX for - {$290.00} ( reversal of fraud credit ) - This confirms the charge reappeared after fraud investigation concluded XXXX. MERCHANT INVOICE : - Invoice # XXXX dated XX/XX/XXXX shows original charge of {$290.00} - Status marked \" PAID '' via XXXX XXXX ( XXXX ending XXXX ) - This is the charge for which no goods were delivered XXXX. CURRENT ACCOUNT STATUS : - Online account view dated XX/XX/XXXX shows current balance {$290.00} - Shows last statement balance {$290.00} - Payment due XX/XX/XXXX : {$40.00} minimum","date_sent_to_company":"2025-11-20T00:44:11.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"65201","tags":null,"has_narrative":true,"complaint_id":"17357989","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-11-19T23:57:40.000Z","state":"MO","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Product : <em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em> Sub-product : General-purpose <em>credit</em> <em>card</em> or charge <em>card</em> Issue : <em>Problem</em> with a <em>purchase</em> <em>shown</em> on your statement Sub-issue : <em>Credit</em> <em>card</em> company isn't resolving a dispute about a <em>purchase</em> on your statement Date of Incident : XX/XX/XXXX ( when charge reappeared on account ) PART XXXX : DETAILED COMPLAINT TEXT SUMMARY : I am being held liable for a {$290.00} charge from XXXX despite the merchant confirming in writing that no goods were delivered."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Problem</em> with a <em>purchase</em> <em>shown</em> on your statement"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a dispute about a <em>purchase</em> on your statement"]},"sort":[9.204444,"17357989"]},{"_index":"complaint-public-v1","_id":"8792924","_score":8.0370245,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"Here is a transcript of the chat with the two customer service agents ( XXXX ) XXXX XXXX XXXX Hi. I've been charged a late fee, but it must have been a glitch with the bank because the funds were available, the account info was correct and other payments made to Sezzle today went through without a problem. \n( XXXX ) Shopper Support Bot : Sezzle charges fees for the following reasons : - When more than one reschedule has been applied to an order ( rescheduling fees ) - When a payment attempt fails due to reasons such as insufficient funds, incorrect account details, or an expired payment method ( failed payment fees ) - When a payment is made after its due date or where applicable, any state-required grace period has expired ( late payment fees ) - When cards, including credit, debit, or prepaid benefits cards, are used for a scheduled payment ( convenience fees ) What would you like to know more about? \n\nRESCHEDULE FEES, FAILED PAYMENT FEES, LATE PAYMENT FEES, CONVENIENCE FEES, CAN YOU WAIVE MY FEE? \n( XXXX ) XXXX XXXX XXXX Can you waive my fee? \n( XXXX ) Shopper Support Bot : Once a Sezzle fee has been processed, it can not be waived. Though, if you see a convenience fee or late payment fee attached to a payment that has not yet processed, you may be able to avoid it before it is processed by : - connecting your bank account and setting as default for scheduled payments ( convenience fees ) - pay off any late payment ( s ) before the deadline as shown in your dashboard ( late payment fees ) ( Reschedule fees can not be waived ) ( XXXX ) Shopper Support Bot : 1. Why was I charged a convenience fee for using a debit or credit card? \nYou may be charged a small convenience fee if you use a credit, debit, or prepaid card to pay off installments on an order View article : XXXX XXXX XXXX 2. What are \" failed payment '' and \" late payment '' fees? \nWhen a payment attempt fails for various reasons, including but not limited to insufficient funds, incorrect account details View article : XXXX XXXX XXXX  3. Why was I charged a fee for rescheduling my payment? \nEvery Sezzle order comes with one free reschedule ( or two reschedules if you are a Premium or Anywhere subscriber ). \nThis optio View article : XXXX XXXX XXXX ( XXXX ) Shopper Support Bot : If you feel you've been charged a fee in error, we can connect you with agent to investigate. \n( XXXX ) XXXX XXXX Hi! Thanks for reaching out to Sezzle Shopper Support, this is XXXX and Im more than happy to assist you today! I see that youve chatted in and there may be a bit of an issue, I'd love to help smooth things over. Please allow me a few moments so that I can review your previous messages and XXXX jump into this! \n( XXXX ) XXXX XXXX Dear XXXX XXXX thank you for taking the time to let us know in regards to this matter. I truly apologize for the inconvenience and I'll be happy to help! Please allow me a couple of minutes so that I can review your account here. \n( XXXX ) XXXX XXXX Could you try to make the payment manually please? See below some steps : remove the app from your phone, and go to your webroser Go to Sezzle.com and log in to your account. \nGo to the Orders tab, then select Active orders. \nClick on the order you wish to make a payment on. \nSelect the installment youd like to pay and scroll down to the Make payment option. \n( XXXX ) XXXX XXXX Did it work? \n( XXXX ) XXXX XXXX XXXX I already paid it. \n( XXXX ) XXXX XXXX Oh I'm glad it worked! \n( XXXX ) XXXX XXXX My deepest apologies for the inconvenience. Could I possibly assist you with anything else right now? \n( XXXX ) XXXX XXXX XXXX I'd like a refund for the {$5.00} fee ( XXXX ) XXXX : Dear XXXX XXXX We really do apologize for the limitations but we can't refund a fee already charged after having a failed payment and after the due date even if it only was a couple of hours late ( XXXX ) XXXX : I deeply apologize, but what youre asking is beyond the scope of what I can do. Could I possibly assist you with anything else right now? \n( XXXX ) XXXX XXXX XXXX But there was no reason for the payment to fail. Money was in the account and other payments due to Sezzle from the same account were made today. It must have been a glitch on Sezzle 's side. My bank said there were no problems with the account today. \n( XXXX ) XXXX XXXX XXXX I'm going to report this to the Consumer Protection Bureau . You can't just charge people a fee when the problem is on your end. \n( XXXX ) XXXX XXXX I'm still here for you, I just need 2 - 3 more minutes so that I can provide you with an accurate response. \n( XXXX ) XXXX XXXX XXXX Ok ( XXXX ) XXXX : Thank you for waiting, i would love to help at this time but once a fee is charged, the fee is paid with the shopper 's acknowledgment, also for the policies is not possible offer a refund of a fee already charged, the fee had to be requested to be waived before making the payment to find a way to help, But after charged is not possible XXXX ( XXXX ) XXXX : I deeply apologize, but what youre asking is beyond the scope of what I can do. Could I possibly assist you with anything else right now? \n( XXXX ) XXXX XXXX XXXX There is nothing written on the site that explains that. I'm filing a complaint because that is ridiculous that I be charged a fee due to an issue on your end. \n( XXXX ) XXXX XXXX Yes, You could search on there XXXX XXXX XXXX ( XXXX ) XXXX XXXX : I already pay a monthly charge for access to certain areas of the site ( whichI 'm not sure is legal ). And now you're charginme an additional {$5.00}? That's not okay. \n( XXXX ) XXXX XXXX Dear XXXX XXXX I would love to help but as I told you we cant do anything else for the policies and agreements at this time ( XXXX ) XXXX : Could I possibly assist you with anything else right now? \n( XXXX ) XXXX XXXX Hi, are you still with me? \n( XXXX ) XXXX XXXX Since we have not received a response from you, I will be stepping away from this conversation for now. But dont worry, you havent lost your place! You can always return to this conversation with more information and we will get back to you within XXXX business day and often sooner! Thank you, and have a great day. \n\n( XXXX ) Shopper Support Bot : When a payment attempt fails for various reasons, including but not limited to insufficient funds, incorrect account details, or an expired payment method, a failed payment fee may be applied to the account. No new purchases or other payment reschedules are authorized until the installment is paid in full. \n\nThe failed payment 's new due date also can not be rescheduled. A late payment fee may also apply if the failed payment is not paid by its original due date or, where applicable, before any state-required grace period expires. \n( XXXX ) XXXX User XXXX : Just to be clear the previous agent said the payment to clear up the failed payment needed to be made the same day in order to get a refund for the fee... I made the payment the same day. \n( XXXX ) XXXX User XXXX : The payment was due to today and I paid it today. \n( XXXX ) XXXX  : Unfortunately, we are not able to waive failed or late payment fees. Unfortunately, the fees are nonrefundable. unfortunately, no sir per industry regulation fees are not refundable and they can not be waived, they get applied to your payment once it fails so in this case we are unable to assist with this request. \n( XXXX ) XXXX : In this case since this is a failed payment fee this will be automatically applied once the reflect of the payment fails ( XXXX ) Grace : in this case, the one that gets removed once you make the payment is the late payment fee but in this case, this was not applied due when you made the payment onthe same date. \n( XXXX ) XXXX User XXXX : But there was no reason for the payment to fail. Other payments due today to XXXX were made without a problem and the monies were available in the account the payments were made from. \n( XXXX ) XXXX User XXXX : And I'm not a sir. \n( XXXX ) XXXX User XXXX : The info pro ided by the shopper bot says a late payment fee XXXX apply if the payment is not made by the original payment date... today is the original payment date. \n( XXXX ) XXXX XXXX we really apologize for the inconnu ma'am unfortunately, in this case, we got a message from your bank that the funds were not available so in this case this is the reason the payment failed, in this case, this might mean that your bank did not approve the charge for further details we remind getting in contact with them directly. \n( XXXX ) XXXX XXXX We apologize there is nothing else we can do. Please let me know If you have any other question regarding a different topic. \n( XXXX ) XXXX User XXXX : I did and the bank said there was no issue on their end. \n( XXXX ) XXXX User XXXX : This has happened before and I wasn't charged a late fee. Why is this time different? \n( XXXX ) XXXX XXXX In this case we had an update and now there was a differnte fee charge in this case you were charged the failed payment fee that is {$5.00} and the late fee is when the payment failes and it passes the grace period and would be an other {$10.00} fee. \n( XXXX ) XXXX : in this case this is the reason why since the payment was unable to be recollected it automatically added you the failed payment fee. \n( XXXX ) XXXX XXXX we apologize for this inconvenience, Please let me know if there is anything else I can assist you with. \n( XXXX ) XXXX  : Hi, are you still with me? \n( XXXX ) XXXX User XXXX : There was no notification of this change in policy. \n( XXXX ) XXXX  : Unfortunately, this was an internal update so, in this case, we do not provide notifications on this ma'am. \n( XXXX ) XXXX User XXXX : That's not legal. As a lender you are required to notify consumers of changes in fee policies. \n( XXXX ) XXXX  : Unfortunately in this case we are unable to provide further details since this are internal requirement. \n( XXXX ) XXXX  : We totally understand your frustration and we really want to apologize for this inconvenience you are facing this time, unfortunatley I have already provided you the correct information we have and the correct procedure to work with this situation. If you don't have any other questions regarding a different topic, I will proceed to close the chat, thank you very much for contacting us today and we wish you a wonderful rest of your day.","date_sent_to_company":"2024-04-21T20:25:03.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Installment loan","zip_code":"21215","tags":"Servicemember","has_narrative":true,"complaint_id":"8792924","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Sezzle Inc.","date_received":"2024-04-18T03:31:35.000Z","state":"MD","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["Why was I charged a convenience fee for using a debit or <em>credit</em> <em>card</em>? \nYou may be charged a small convenience fee if you use a <em>credit</em>, debit, or <em>prepaid</em> <em>card</em> to pay off installments on an order View article : XXXX XXXX XXXX 2. What are \" failed payment '' and \" late payment '' fees? \nWhen a payment attempt fails for various reasons, including but not limited to insufficient funds, incorrect account details View article : XXXX XXXX XXXX  3. Why was I charged a fee for rescheduling my payment?"]},"sort":[8.0370245,"8792924"]},{"_index":"complaint-public-v1","_id":"6566203","_score":7.3881955,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"STATUS Submitted to the CFPB on XX/XX/XXXX XXXX XXXX XXXX or prepaid card ISSUE Problem with a purchase shown on your statement We received your complaint. Thank you. \n\nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT A fraudulent account was open in XXXX, with Chase Bank. I discovered this account personally, back on XX/XX/XXXX of XXXX. And there was multiple drafts : Checking account : XXXX - {$3000.00} XX/XX/XXXX - {$500.00} XX/XX/XXXX - {$2200.00} XX/XX/XXXX - {$3000.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1300.00} XX/XX/XXXX On XX/XX/XXXX I finally got all the information together. And I reported it to my Bank and Chase Bank, I struggled with Chase Bank for about a year. On XX/XX/XXXX they said they would reverse the charges but now they are reversing it and saying that they will not pursue me but will also not refund my money. XXXX from Fraud operations, to inform me that \" she has accepted my fraud claim on this account and that I would not be responsible for any balance, please allow 48 hours to adjust the account and call back to confirm, after I called they said they are rebilling it, and that they are reversing what she decided. '' XXXX full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nCompany still working STATUS Company response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. \n\nCOMPANY 'S INTERIM RESPONSE We're still working on your request and will send you a letter as soon as we complete our research. Thank you for your patience Company responded XXXX XXXX responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation XXXX 's Response We appreciate you taking the time to tell us about our service. Your feedback helps us serve you better. We aim to give exceptional service and are sorry if we did not meet this goal. The agreement between us is that either you or we may close an account, other than a CD, at any time for any reason or no reason without prior notice. For more information, please see the Deposit Account Agreement. You were provided a copy of the agreement when you opened your account. You can see the current agreement on chase.com. We are not required to give you a reason for our decision to close the account. We are not able to reopen your account and you are not eligible for a new account. We were not able to locate a checking account ending in XXXX in your name. We have no record of claims on file for the transactions detailed in your compliant. We respectfully decline your request for reimbursement. If you would like to dispute a transaction, please call us at XXXX, or complete the claim form on chase.com. We are not able to release copies of recordings, as they are for internal use only. We suggest you work with your local law enforcement to resolve this matter. We will work with them if they contact us. We apologize for the inconvenience this has caused you. \nATTACHMENTS XXXX, XXXX - Final Letter - XXXX Feedback provided STATUS Feedback provided on XX/XX/XXXX Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS I made chase aware of the details and they have ignored and neglected the real information conveyed. This is repulsive, they need to be stopped. I plan to sue both parties for unethical operations and obstruction I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS They lied THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS They played XXXX What happens now? \n\nThe complaint process is complete and your complaint is now closed. \n\nWe have taken the following additional actions on your complaint : We added your complaint to the CFPBs Consumer Complaint Database. \nYour feedback, and feedback from others, helps us understand how companies are addressing concerns raised by consumers in their complaints. We will also share your feedback with the company. \nWe have also shared your complaint with the Federal Trade Commission, which will add your complaint to its database for state and federal law enforcement agencies. \nWe appreciate your participation in the complaint process and your feedback on the companys response. Both are important to us and consumers who may have similar issues and concerns. \n\nClosed The CFPB has closed your XXXX ending in XXXX My name is XXXX XXXX, I had a XXXX XXXX card that was paid and closed. My checking account was linked to it and when the online profile was taken over, a new application for this XXXX XXXX ending in XXXX was opened without my knowledge or authorization. The fraudster used the linked checking from the previous valid account to make payments without my knowledge or authorization. Ive had this account already blocked by all the reporting agencies, the communication I received when I disputed this account which chase, was a determination that I was responsible for this account based on the payments completed from the linked checking account that I was the soul owner of. Its not only XXXX, but criminal your team decided to neglect the previous attempts by both XXXX XXXX and myself a year ago to dispute and recover these payments, and have proceeded to Harass me for additional payments to an account I do not own, yet chase attempts to hold me responsible for based on their belief I submitted payments consciously to this fraud account, with record of the ach disputes on file with your team. Attached please find the ach disputes I filed a year ago, submitted for review again. Ive sent these documents a number of times, and its XXXX to think chase has been in business at the capacity it currently operates with such criminal neglect to the information contradicting their findings, or attempts to sue me for additional money, while you guys Hold over {$9000.00}, an amount of grand larceny, after many attempts to recover these funds. You have 7 days to get me the refund for the ach drafts completed to chase without my authorization or Im prepared to take legal action and exploit the criminal actions made by chase in this matter with knowledge/ record of correspondence to XXXX XXXX refusing to refund the ach disputes we placed, as well as all the laws and violations committed by chase under the fair credit reporting act. My cell is XXXX. Please feel free to reach out to me at any time of any day. This matter requires your immediate attention. Please do the right thing, I will not stop until you do. \n\nXXXX XXXX Ss- XXXX XXXX XXXX XXXX XXXX, NJ XXXX C- ( XXXX ) XXXX If you guys play XXXX and XXXX to me in response, again, as XXXX did on monitored and recorded lines, Ill sue for everything I can. Ive never been so disgusted and victimized. Chase is a nightmare and must be stoped","date_sent_to_company":"2023-02-13T19:50:03.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"078XX","tags":null,"has_narrative":true,"complaint_id":"6566203","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-02-13T19:14:00.000Z","state":"NJ","company_public_response":null,"sub_issue":"Card opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["STATUS Submitted to the CFPB on XX/XX/XXXX XXXX XXXX XXXX or <em>prepaid</em> <em>card</em> ISSUE <em>Problem</em> with a <em>purchase</em> <em>shown</em> on your statement We received your complaint. Thank you. \n\nWe will review your complaint."],"product":["<em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em>"],"issue":["Getting a <em>credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Card</em> opened as result of identity theft or fraud"]},"sort":[7.3881955,"6566203"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":18,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":18}]}},"product":{"doc_count":18,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card","doc_count":6,"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":6}]}},{"key":"Credit card or prepaid card","doc_count":4,"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":4}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":2}]}},{"key":"Debt collection","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":2}]}},{"key":"Prepaid card","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose prepaid card","doc_count":1},{"key":"Payroll card","doc_count":1}]}},{"key":"Checking or savings account","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":1}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":1}]}}]}},"issue":{"doc_count":18,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with a purchase shown on your statement","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":6}]}},{"key":"False statements or representation","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":2}]}},{"key":"Getting a credit card","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card opened as result of identity theft or fraud","doc_count":2}]}},{"key":"Charged fees or interest you didn't expect","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Closing your account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":1}]}},{"key":"Fees or interest","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Charged too much interest","doc_count":1}]}},{"key":"Incorrect information on your report","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":1}]}},{"key":"Managing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem using a debit or ATM card","doc_count":1}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":1}]}},{"key":"Problem with a purchase or transfer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card company isn't resolving a dispute about a purchase or transfer","doc_count":1}]}},{"key":"Trouble using the card","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trouble getting information about the card","doc_count":1}]}}]}},"timely":{"doc_count":18,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":17},{"key":"No","doc_count":1}]}},"company_response":{"doc_count":18,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":14},{"key":"Closed with monetary relief","doc_count":3},{"key":"Closed with non-monetary relief","doc_count":1}]}},"submitted_via":{"doc_count":18,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":18}]}},"company":{"doc_count":18,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"JPMORGAN CHASE & CO.","doc_count":4},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":2},{"key":"Bread Financial Holdings, Inc.","doc_count":1},{"key":"CITIBANK, N.A.","doc_count":1},{"key":"ENCORE CAPITAL GROUP INC.","doc_count":1},{"key":"EQUIFAX, INC.","doc_count":1},{"key":"GOLDMAN SACHS BANK USA","doc_count":1},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":1},{"key":"Netspend Corporation","doc_count":1},{"key":"Newport Intermediate Inc.","doc_count":1},{"key":"Paypal Holdings, Inc","doc_count":1},{"key":"SYNCHRONY FINANCIAL","doc_count":1},{"key":"Sezzle Inc.","doc_count":1},{"key":"U.S. BANCORP","doc_count":1}]}},"state":{"doc_count":18,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FL","doc_count":3},{"key":"CA","doc_count":2},{"key":"MO","doc_count":2},{"key":"NJ","doc_count":2},{"key":"AZ","doc_count":1},{"key":"GA","doc_count":1},{"key":"IN","doc_count":1},{"key":"LA","doc_count":1},{"key":"MD","doc_count":1},{"key":"SC","doc_count":1},{"key":"TX","doc_count":1},{"key":"VA","doc_count":1},{"key":"WA","doc_count":1}]}},"company_public_response":{"doc_count":18,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":6},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":2}]}},"tags":{"doc_count":18,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":3},{"key":"Older American","doc_count":2}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}