{"took":323,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":218,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"19588471","_score":21.21947,"_source":{"product":"Checking or savings account","complaint_what_happened":"Got email alerts on XX/XX/year> of checking and savings account being opened as well as online banking, also got a alert to resume a personal loan application. \n\nI promptly called the fraud team around XXXX XXXX  on XX/XX/year> they claim that a identity theft/fraud case was opened. \n\nI later tried to call identity theft team to try to get this resolved on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX and have not been able to get through at all endless hold times because they are not answering there phones. I have sat on hold in excess of 5 hours. As of this time writing this on the XXXX of XXXX I called the moment they opened and have been on hold for 2 hours and counting. \n\nOn XX/XX/XXXX I got alerted that the alerts email address was changed to a different email address. The fraudster initially opened it with my email address, social, and a old phone number of mine at a minimum. \n\nA agent told me the address they currently have does not match my current address so I'm not sure if they used a old address of mine or some other address XXXX is only showing that truist pulled the file via XXXX XXXX XXXX XXXX I have opened a case with the following XXXX XXXX XXXX XXXX police department Fraud alerts have been placed on my credit reports","date_sent_to_company":"2026-02-18T15:07:17.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"67203","tags":null,"has_narrative":true,"complaint_id":"19588471","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2026-02-18T14:51:43.000Z","state":"KS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["Got email <em>alerts</em> on XX/XX/year> of checking and <em>savings</em> account being opened as well as online banking, also got a <em>alert</em> to resume a personal loan application. \n\nI promptly called the <em>fraud</em> team around XXXX XXXX  on XX/XX/year> they claim that a <em>identity</em> <em>theft</em>/<em>fraud</em> case was opened."],"product":["Checking or <em>savings</em> account"]},"sort":[21.21947,"19588471"]},{"_index":"complaint-public-v1","_id":"6453954","_score":21.038279,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"In 2022, there was a fraudulent savings account opened in my maiden name, at Bank of America. I had the account closed and froze my credit, as well as put a fraud alert out on my social security number. Just yesterday I received an email from Bank of America about a credit card application with them. I did not apply for any credit card. Since I have a credit freeze, the card was not opened. I did call them to make sure the application was reported as fraud. The strange part is with both the savings account and the credit card, both my real email and address were used. I am starting to worry that it is the Bank opening unauthorized accounts rather than identity theft.","date_sent_to_company":"2023-01-18T15:39:14.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"497XX","tags":null,"has_narrative":true,"complaint_id":"6453954","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-01-18T15:30:40.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["The strange part is with both the <em>savings</em> account and the credit card, both my real email and address were used. I am starting to worry that it is the Bank opening unauthorized accounts rather than <em>identity</em> <em>theft</em>."],"sub_issue":["Card opened as result of <em>identity</em> <em>theft</em> or <em>fraud</em>"]},"sort":[21.038279,"6453954"]},{"_index":"complaint-public-v1","_id":"4251834","_score":20.759045,"_source":{"product":"Checking or savings account","complaint_what_happened":"PNC BANK Fraud XXXX Alert : Account duplicate Dark Web Cell phone ported Requested Account Closed XXXX XXXX New account/Identity Theft-Calls made received by impersonating representatives. \n\nChange made to savings account by external party unknown. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA","date_sent_to_company":"2021-03-28T14:18:37.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"212XX","tags":null,"has_narrative":true,"complaint_id":"4251834","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2021-03-28T14:01:03.000Z","state":"MD","company_public_response":null,"sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["PNC BANK <em>Fraud</em> XXXX <em>Alert</em> : Account duplicate Dark Web Cell phone ported Requested Account Closed XXXX XXXX New account/<em>Identity</em> <em>Theft</em>-Calls made received by impersonating representatives. \n\nChange made to <em>savings</em> account by external party unknown. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA"],"product":["Checking or <em>savings</em> account"]},"sort":[20.759045,"4251834"]},{"_index":"complaint-public-v1","_id":"1816270","_score":20.291744,"_source":{"product":"Credit card","complaint_what_happened":"My XXXX XXXX XXXX father who suffers from XXXX was tricked out of his life 's savings by a young woman con artist. She \" borrowed '' all his retirement savings and she used XXXX of his credit cards to go on shopping sprees. She used his Citibank card to purchase more than {$8000.00} in merchandise at stores he never shops in such as XXXX and XXXX 's XXXX, much of it while my father was hospitalized. Note that their fraud alert system failed to recognize this unusual use of his card. Citibank 's fraud department refuses to recognize this as fraud, despite the fact that this woman has been arrested, has been charged with grand larceny and identity theft and is being criminally prosecuted for the use of the card. So, the criminal justice system says fraud and Citibank says permissive use. They have informed us we have no right of appeal and no recourse.","date_sent_to_company":"2016-03-03T19:23:39.000Z","issue":"Identity theft / Fraud / Embezzlement","sub_product":null,"zip_code":"223XX","tags":"Older American","has_narrative":true,"complaint_id":"1816270","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2016-03-03T19:23:38.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Citibank 's <em>fraud</em> department refuses to recognize this as <em>fraud</em>, despite the fact that this woman has been arrested, has been charged with grand larceny and <em>identity</em> <em>theft</em> and is being criminally prosecuted for the use of the card. So, the criminal justice system says <em>fraud</em> and Citibank says permissive use. They have informed us we have no right of appeal and no recourse."],"issue":["<em>Identity</em> <em>theft</em> / <em>Fraud</em> / Embezzlement"]},"sort":[20.291744,"1816270"]},{"_index":"complaint-public-v1","_id":"3210821","_score":20.047306,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"TRANSUNION HAS NOT LET ME DISPUTE CLAIMS ON MY CREDIT REPORT. THE CREDIT SCORE WAS XXXX. NOW THEY WANT ME TO PAY THEM {$29.00} TO GET ALL THREE CREDIT REPORTS. THE FREE ANNUAL CREDIT REPORT DID NOT LET ME DISPUTE ERRORS I FOUND ON TRANSUNION. \n\nTRANSUNION WOULD NOT LET ME PRINT PAGES ; SO I COPIED THE EXAMPLE : CREDIT MONITORING Dispute Center Alerts Profile Support Logout Dashboard Credit Score Credit Report Credit Lock Tools My Savings My Profile SMS ALERTSStay in the know with Instant Credit Alerts! Setup SMS Alerts now Alerts ( 33 ) XXXX XXXX XXXX   Powered by XXXX XXXX TransUnion Logo UNABLE TO ACTIVATE XXXX   Logo UNLOCKED My TransUnion Credit Score As of XX/XX/XXXX. Based on XXXX XXXX XXXX D XXXX / F XXXX / A COMPLETE YOUR CREDIT PICTURE Score Simulator -- - XXXX / F XXXX / A XXXX Current Score -- - Simulate Now Dont Miss Out on This Featured Offer! \n\nMy Membership Center Your Credit Report and Score are 98 days old. \nRefresh Now Complete my credit picture with a full 3-Bureau profile Get the Full Picture Credit Summary Score Trending Debt Analysis {$27000.00} Balances as of XX/XX/XXXX Payments Total Accounts Open Accounts {$210.00} 41 6 Inquiries ( 2 years ) Delinquent Derogatory 17 0 8 COMPLETE YOUR CREDIT PICTURE Membership Benefits Credit Education More Products Instant Alerts Identity Theft Insurance Fraud Resolution TransUnion 's Fraud Victim Assistance Department ( FVAD ) is available to assist in restoring your identity after an incident of identity fraud. FVAD specialists are trained experts in detection and resolution of credit fraud-related situations, and have in-depth knowledge about laws, regulations and consumer relations policies. \nMore Valued Member Since XX/XX/XXXX My Savings About us Who we are Terms of Use Privacy Policy Frequently asked questions My account My profile Credit alerts Credit score Credit report Tools Credit Lock Resources Support Credit education My Savings Blog This site is hosted and operated by TransUnion Consumer Interactive , Inc., a wholly owned subsidiary of TransUnion, LLC. Copyright XXXX TransUnion Consumer Interactive. All Rights Reserved.","date_sent_to_company":"2019-04-16T20:46:07.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"92395","tags":"Servicemember","has_narrative":true,"complaint_id":"3210821","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-04-12T22:17:09.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is incorrect"},"highlight":{"complaint_what_happened":["your <em>identity</em> after an incident of <em>identity</em> <em>fraud</em>."]},"sort":[20.047306,"3210821"]},{"_index":"complaint-public-v1","_id":"3450488","_score":19.693176,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In the latest complaint with the CFPB USAA Falsely accuses numerous times in their response of my opening accounts with their financial bank. It is also mentioned they requested I submit Millitary documentation to them and a Military ID, Because again Military membership and or a family member in the military is required in order to obtain membership. I advised USAA Federal Savings bank that I am a victim of identity theft, USAA did not call to verify any information, USAA did not clear fraud alerts when opening the fraudulent Personal Loans, and openly admitted they say they have \" personal identifiable information '' yet also state they verified this personal information, yet I have never received any account documents, and I have never received any emails from this company, They also falsely accuse saying I called in to file fraud claims, I have never called their company, and I have never received a call from them. They violated my Extended Fraud Alert and didn't clear it when opening the accounts please see the note from the company \" Date of response : XX/XX/XXXX. We are responding to the concerns about the USAA Federal Savings Bank ( FSB ) you outlined in your correspondence to the Consumer Financial Protection Bureau regarding your claim of identity theft. Our records indicate that on XX/XX/XXXX, you established USAA membership using your personally identifiable information. On XX/XX/XXXX, you accessed usaa.com multiple times and authenticated using your social security number ( SSN ), online ID, password, security questions, and cybercode text. During this time, you enabled quick logon and submitted four different deposit applications, which were all declined due to excessive returns and current unfavorable experiences with a financial institution. On XX/XX/XXXX, a note was placed on your profile to indicate that we had to verify your military service documents and a copy of your government issued ID by XX/XX/XXXX. On XX/XX/XXXX, your profile was updated, and it was indicated that we had not received these documents by the required date. \" Yet they allowed a Checking and Savings, and Two personal Loans to be established according to the response stated from USAA. XXXX  found the email address that was used to open the accounts on the dark web via my identity alerts, USAA has not completed an investigation, they attempted to complete a transactional fraud investigation when in fact these accounts were ALL FRAUDULENT APPLICATIONS. I have never once attempted to become a member of their institution because I AM NOT A MEMBER OF THE MILITARY neither is my family. Again thus why you didn't receive documentation that doesn't verify to me. You did not investigate the identity theft. I am a victim of identity theft. These accounts are fraudulent, were established with a fraudulent address that has been blocked by XXXX, were established with an email found on the dark web. Which was sold by identity thieves, and I never once called into your company, and you lied and said you called me and I never received any calls. and it was indicated that we had not received these documents by the required date. \" Response from Company - On XX/XX/XXXX, you accessed usaa.com and established a checking account ending in XXXX Fraud - False accusations and a savings account ending in XXXX. On XX/XX/XXXX, you applied for a personal loan in the amount of {$8000.00} via usaa.com.<- KEYWORD ESTABLISHED ON USAA.com THE INTERNET. With fraudulent information that wasn't verified. The loan ending in XXXX was approved the following day. On XX/XX/XXXX, you spoke with a representative and indicated that you wanted to refinance your personal loan ending in XXXX ; <- Never spoke to any reps with their company. however, you advised you would call back due to a freeze you placed with the credit reporting agencies. On XX/XX/XXXX, you accessed usaa.com and applied for another loan ending in {$15000.00}. You were approved for the {$15000.00} loan ending in XXXX. On XX/XX/XXXX, you submitted a fraud claim, and all account access was restricted. Between XX/XX/XXXX and XX/XX/XXXX, you submitted a total of 11 credit disputes. '' - Didn't ever submit a transactional fraud claim again false accusations as I have stated these applications are fraud and you never called to clear the extended fraud alert the accounts were opened as a result of identity theft. I never lived at the XXXX XXXX address you continually provide XXXX  on top of that you report the debt as being last reported XX/XX/XXXX, and it shows 4 payments of {$0.00} Because clearly I didn't pay the fraudulent account. I will continue to dispute this as Identity theft. I have provided you with a legal FTC Identity Theft Affidavit, These accounts were established as identity theft, and unauthorized. Please follow the proper laws and actually investigate the crime, instead of falsely providing false information.","date_sent_to_company":"2019-11-26T06:23:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75002","tags":null,"has_narrative":true,"complaint_id":"3450488","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2019-11-26T01:04:08.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, you submitted a <em>fraud</em> claim, and all account access was restricted. Between XX/XX/XXXX and XX/XX/XXXX, you submitted a total of 11 credit disputes. '' - Didn't ever submit a transactional <em>fraud</em> claim again false accusations as I have stated these applications are <em>fraud</em> and you never called to clear the extended <em>fraud</em> <em>alert</em> the accounts were opened as a result of <em>identity</em> <em>theft</em>."]},"sort":[19.693176,"3450488"]},{"_index":"complaint-public-v1","_id":"5695113","_score":19.362116,"_source":{"product":"Checking or savings account","complaint_what_happened":"The following report is in regards to a dispute of a decision made by TD Banks anti-fraud services. During the pandemic, in XXXX of XXXX, someone obtained my checking account information and I unknowingly became a victim of identity theft. The accounts affected were my checking account and my savings account. I use these accounts as my emergency funds, and do not routinely check them as I do my main accounts with another bank. \n\nPrior to any fraudulent activity, my checking account balance was {$210.00}, and my savings account balance was {$5000.00}. On XX/XX/XXXX someone managed to obtain my checking account info and began making withdrawals using XXXX account they falsely created in my name. My checking account was reduced to {$0.00}, and over the course of the next few months, they continued to make withdrawals which activated protection. As a result, money from my savings account was automatically deducted via overdraft protection and the funds were drained from that account as well. \n\nThere was no notification of any sort from TD bank, and no alert was communicated to me despite the months of suspicious activity ( multiple withdrawals from a {$0.00} balance checking account, causing overdraft protection to siphon off my savings account ). It was only brought to my attention when I received an alert from XXXX XXXX on XX/XX/XXXX stating a TD account was closed. Only upon investigating the alert from XXXX XXXX did I discover how far back the fraudulent activity went. By this time, my checking account balance was at {$0.00}, and my savings account balance was reduced to {$700.00}. \n\nI immediately called customer service on XX/XX/XXXX to report everything and was forwarded to the fraud department who said I would get an answer pending an investigation. I told them explicitly that I expected my accounts to be made whole, as I was a victim of identity theft. Over the next few weeks, I followed up with multiple agents from the fraud department for updates on my claim and kept being told to check back each week. Each time I spoke with an agent I was led to believe that I would get everything back by the end of the investigation. To my surprise, on XX/XX/XXXX, the last agent I spoke with from fraud services said they were only able to refund the most recent fraudulent transaction - a total of {$1000.00} to my savings account, and {$0.00} to my checking account. \n\nI expressed to her that I did not think this was fair. I have been an account holder from when it still belonged to XXXX Bank and was acquired by TD in XXXX. I relied on TDs services to keep my money secure from situations like this. At the very least, I should have been notified of any suspicious activity as many other banks do. Not once was I alerted by TD Bank of my checking account being {$0.00} for several months, nor did anyone catch the suspicious activity of multiple overdraft protection transactions continuously draining my savings account to cover the withdrawals from a {$0.00} balance checking account. \n\nDespite my disapproval of the results, XXXX said there was nothing else they could do citing a policy that requires me to notify TD of any fraudulent activity in the first 60 days of the incident. I reiterated that if I was made aware in a timely manner, I would have notified TD immediately. Nevertheless, the decision was deemed final. \n\nI then tried to escalate the situation with customer service and was forwarded to a supervisor named XXXX who also said there was nothing she could do on her end. She then suggested that I can try sending a letter to the corporate office or go to a local TD Bank branch and speak with a manager. \n\nIn XX/XX/XXXX I went to the closest TD Bank branch located in XXXX XXXX XXXX, XXXX, NJ and spoke with Assistant Store Manager XXXX XXXX XXXX who said she would stay in contact with me about the situation. After several weeks of not returning my phone calls/messages, I reached out to the Store Manager XXXX XXXX in who said she would take over the claim from XXXX. She forwarded the issue back to the fraud department who told her the claim is denied because it has already passed the XXXX requirement. She also said she checked for other alternatives on my behalf and came up with nothing. At this point I was at my wits end. The reason why so much time has passed was the lack of communication and slow-moving service on TDs part. \n\nTD Bank continuously promotes their stellar service but the experience I have endured speaks to the contrary. TD Bank failed to alert me of my account having a {$0.00} balance. They have failed to alert me of any suspicious activity, specifically multiple withdrawals from a {$0.00} checking account, resulting in multiple overdraft protection transactions being siphoned from my savings account. Throughout the pending investigation, TD customer service and fraud department gave me the impression the situation would be rectified and my accounts would be made whole. The local TD branch managers assured they would communicate any updates to me, but it was I who kept having to follow up and chase them for an update. As a victim of identity theft and a long-time member, I expected TD Bank to be sympathetic to my situation, but instead was given policy jargon as a reason to deny my claim. None of this speaks to the stellar service they advertise. \n\nAs a result, the final balances of my accounts were left at : Checking : {$0.00} Savings : {$1700.00} My original balances before the fraudulent activity were : Checking : {$210.00} Savings : {$5000.00} In total, I have lost a combined amount of {$3500.00}","date_sent_to_company":"2022-06-22T04:07:06.000Z","issue":"Problem caused by your funds being low","sub_product":"Savings account","zip_code":"07083","tags":null,"has_narrative":true,"complaint_id":"5695113","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2022-06-22T03:52:00.000Z","state":"NJ","company_public_response":null,"sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["The following report is in regards to a dispute of a decision made by TD Banks anti-<em>fraud</em> services. During the pandemic, in XXXX of XXXX, someone obtained my checking account information and I unknowingly became a victim of <em>identity</em> <em>theft</em>. The accounts affected were my checking account and my <em>savings</em> account. I use these accounts as my emergency funds, and do not routinely check them as I do my main accounts with another bank."],"product":["Checking or <em>savings</em> account"],"sub_product":["<em>Savings</em> account"]},"sort":[19.362116,"5695113"]},{"_index":"complaint-public-v1","_id":"6406627","_score":18.813005,"_source":{"product":"Debt collection","complaint_what_happened":"I received a Notice of Debt Collection from TRS Recovery Services ; hereinafter known as TRS, on XX/XX/XXXX. The notice indicates that TRS is attempting to collect a debt originating with XXXX XXXX. XXXX ; in the amount of {$390.00}. The Notice references an account ending in XXXX. However, there is no indication of the type of account this is. I have no credit or banking accounts ending in the number XXXX. Also, I have not shopped at XXXX store # XXXX. Nor do I have any idea how to get to the store. I looked the store number up via a web search ; which appears to be in XXXX, MS . This store is at the opposite end of the state of Mississippi from my residence. Also, I have never received any type of correspondence from XXXX regarding a debt or account. The letter from TRS was my first notification. \n\nI contacted TRS via telephone this and spoke with a customer service rep to inform them that I am concerned about identity theft in this case. I asked to speak with someone in their fraud department. She informed me their fraud personnel didn't discuss cases over the phone and that I would have to submit a form on their website. The rep also could not provide me with any information on the originating documents. Based on the very limited information provided to me by TRS, it looks like this may currently be a fraud issue involving a checking/savings account or fraudulent checks written to XXXX. \n\nI am a current victim of identity theft. My personal information was exposed due to a data breach with the United States Office of Personnel Management. Later, my identity was exposed through the XXXX data breach. Subsequently, I have experienced several previous fraudulent attempts to setup checking and investment accounts using my personal information. The previous instances are as follows : XXXX XXXX Fraud Dept . case number XXXX Disputed XX/XX/XXXX. I placed an alert of identity theft with credit reporting agencies. This was a fraudulent attempt to open a checking account in my name. XXXX XXXX held me harmless. \n\nXXXX XXXX XXXX XXXX Fraud Dept . case ID : XXXX Disputed XX/XX/XXXX. I also submitted a report to the Federal Trade Commission under reference # XXXX. This also appeared to be an attempt to open checking or savings accounts up using my identity. XXXX XXXX XXXX XXXX closed the case in my favor. \n\nXXXX XXXX XX/XX/XXXX. This was an attempt to open investments and brokerage accounts using my identity. I contacted XXXX. They were able to close the accounts and closed the case in my favor. Since the accounts were opened using the internet, I filed an Internet Crime Complaint with the Federal Bureau of Investigation via their internet crime complaint form on XX/XX/XXXX. \n\nXXXX XXXX XXXX XXXX XXXX # XXXX Disputed XX/XX/XXXX. I was notified of the application by the credit union prior to the establishment of any account ( XXXX ) They closed the accounts and case in my favor. I also reported the incident to the Federal Trade Commission under reference # XXXX. \n\nI alerted the 3 credit reporting agencies of the identity theft again in XX/XX/XXXX and had another alert placed on my credit reports for financial institutions. \n\nIf any of the above referenced cases had been successful, there could have been substantial theft, banking and wire fraud, along with potential money laundering. This is also very burdensome in attempting to protect myself legally and financially.","date_sent_to_company":"2023-01-06T21:51:21.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"386XX","tags":"Servicemember","has_narrative":true,"complaint_id":"6406627","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"FISERV FINXACT CORE","date_received":"2023-01-06T20:22:07.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I <em>alerted</em> the 3 credit reporting agencies of the <em>identity</em> <em>theft</em> again in XX/XX/XXXX and had another <em>alert</em> placed on my credit reports for financial institutions. \n\nIf any of the above referenced cases had been successful, there could have been substantial <em>theft</em>, banking and wire <em>fraud</em>, along with potential money laundering. This is also very burdensome in attempting to protect myself legally and financially."],"sub_issue":["Debt was result of <em>identity</em> <em>theft</em>"]},"sort":[18.813005,"6406627"]},{"_index":"complaint-public-v1","_id":"2343937","_score":18.615793,"_source":{"product":"Bank account or service","complaint_what_happened":"Someone opened several bank accounts ( checking and savings accounts ) in my name without permission. These accounts were supposedly opened online according to Wells Fargo, XXXX, XXXX, and XXXX. Someone obviously stole my identity ( SS #, name, DOB, etc ) and opened these accounts. I then had to call all the banks and cancel these accounts, put a credit stop with the XXXX credit agencies as well as fraud alerts and go to the local branches of Wells Fargo and XXXX in order to close these accounts and prove that I had been a victim of identity theft. What I do n't understand is how anyone can just open accounts in my name online, but I have to actually go to a local branch in order to close them???!!!!! What XXXX kind of stupid system do these banks have??!!","date_sent_to_company":"2017-02-14T17:43:54.000Z","issue":"Account opening, closing, or management","sub_product":"Checking account","zip_code":"32605","tags":null,"has_narrative":true,"complaint_id":"2343937","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2017-02-14T17:43:54.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I then had to call all the banks and cancel these accounts, put a credit stop with the XXXX credit agencies as well as <em>fraud</em> <em>alerts</em> and go to the local branches of Wells Fargo and XXXX in order to close these accounts and prove that I had been a victim of <em>identity</em> <em>theft</em>. What I do n't understand is how anyone can just open accounts in my name online, but I have to actually go to a local branch in order to close them???!!!!! What XXXX kind of stupid system do these banks have??!!"]},"sort":[18.615793,"2343937"]},{"_index":"complaint-public-v1","_id":"3408551","_score":18.268118,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"USAA Federal Savings Bank, is a banking institution for Members of the Military, Armed forces, and Those family members of the military and armed forced. I am not a member of the military and have never been. Additionally none of my family are members of the armed forces either, so therefore I would not be eligible for membership in USAA. USAA Allowed A Personal loan account to be opened and membership, along with a checking and savings from a thief that was using stolen identification documents, and my email address which I had to have XXXX assist in recovering. USAA Is reporting this account not only inaccurately to the credit bureaus but this account is FRAUD. They sent all the funds and documents to this USAA Account, I did not open this account nor did I receive documentation from any of these accounts. This personal loan and any accounts with USAA that resulted from Identity theft need to be resolved, However USAA continues to report it to the credit bureaus claiming this account is mine. This is not my account that I am listing below, I have not authorized any accounts to be opened with this bank. I am not a member of the military and I AM a victim of identity theft my wallet was stolen, my mail was forwarded and my email address was hacked. I want this corrected promptly and removed from my credit report, as I did not receive any funds from this and this account was not authorized. It was opened from a thief using my stolen identity. \n\nFraudulent Account # - XXXX Balance {$15000.00} Opened XX/XX/2018, My Fraud alert was placed on my file on XX/XX/2018, Therefore again It's obvious I am a victim of identity theft. My Affidavit is below and attached to this complaint. Please remove the inaccurately reporting account that you are listing as paid {$0.00} for payments as well as 3 past due payments, all are which inaccurate because I don't bank or have business with USAA. This was a fraudster.","date_sent_to_company":"2019-10-17T13:36:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75002","tags":null,"has_narrative":true,"complaint_id":"3408551","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2019-10-17T13:26:20.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["It was opened from a thief using my stolen <em>identity</em>. \n\nFraudulent Account # - XXXX Balance {$15000.00} Opened XX/XX/2018, My <em>Fraud</em> <em>alert</em> was placed on my file on XX/XX/2018, Therefore again It's obvious I am a victim of <em>identity</em> <em>theft</em>. My Affidavit is below and attached to this complaint. Please remove the inaccurately reporting account that you are listing as paid {$0.00} for payments as well as 3 past due payments, all are which inaccurate because I don't bank or have business with USAA."]},"sort":[18.268118,"3408551"]},{"_index":"complaint-public-v1","_id":"16752206","_score":18.11713,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am a customer of Chase Bank and have been the victim of identity theft. Over a span of approximately XXXX months, unauthorized transfers were made from my savings account to an account I do not recognize and did not authorize. I did not discover the theft until XX/XX/XXXX. I immediately contacted XXXX upon realizing the fraudulent activity. However, XXXX is denying my claim between XXXX XX/XX/XXXX which totals XXXX due to the fraud occurring outside their internal XXXX reporting window. \n\nAdditionally, I was not notified by XXXX about any suspicious or unusual activity on my savings account, despite repeated and abnormal transfer activity that should have triggered alerts. No fraud alerts were provided to me, even after I reported the issue and a further unauthorized transaction occurred on XX/XX/XXXX, XXXX days after I had already informed XXXX. This shows a serious failure in their fraud protection systems. \n\nXXXX Banks savings accounts are federally insured by the FDIC, and as such, I believe they have an obligation under Regulation XXXX of the Electronic Fund Transfer Act ( XXXX ) to investigate and reimburse clearly unauthorized transactions, especially when reasonable mitigating circumstances are present. Regulation XXXX requires financial institutions to investigate and resolve disputes of unauthorized electronic fund transfers, and my circumstances, supported by medical evidence, should merit exception to their XXXX policy. \n\nI have repeatedly asked for clarity, escalation, and documentation from XXXX, and I have received inconsistent and contradictory responses from their fraud representatives. I am now asking the CFPB to step in and help me obtain a fair review and resolution of this case. \n\nIssue : Unauthorized electronic fund transfers Bank refusal to reimburse in full. \n\nI was the victim of repeated unauthorized XXXX debits from First XXXX Bank XXXX ID XXXX. \nOn XX/XX/XXXX, I reported fraudulent XXXX XXXX transactions to my bank. \nA few days later, I discovered and reported similar unauthorized debits from the same ACH ID in XXXX & XX/XX/XXXX. \nMy bank reimbursed : XXXX XX/XX/XXXX transactions ( XX/XX/XXXX & XX/XX/XXXX ) Several XXXX XXXX transactions, despite those being well outside the XXXX window. \n\nHowever, they refuse to reimburse XXXX other unauthorized XXXX XXXX debits totaling {$3100.00}, citing the XXXX liability rule.","date_sent_to_company":"2025-10-22T17:21:38.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Savings account","zip_code":"60647","tags":null,"has_narrative":true,"complaint_id":"16752206","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-10-22T17:02:23.000Z","state":"IL","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I am a customer of Chase Bank and have been the victim of <em>identity</em> <em>theft</em>. Over a span of approximately XXXX months, unauthorized transfers were made from my <em>savings</em> account to an account I do not recognize and did not authorize. I did not discover the <em>theft</em> until XX/XX/XXXX. I immediately contacted XXXX upon realizing the fraudulent activity. However, XXXX is denying my claim between XXXX XX/XX/XXXX which totals XXXX due to the <em>fraud</em> occurring outside their internal XXXX reporting window."],"product":["Checking or <em>savings</em> account"],"sub_product":["<em>Savings</em> account"]},"sort":[18.11713,"16752206"]},{"_index":"complaint-public-v1","_id":"3500015","_score":18.11009,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I am submitting this complaint on the basis of the unresolved matter. Citibanks continued abusive efforts to collect on fraudulent debt continues. I first notified Citibank  in XXXX of XXXX  that I was a victim of identity theft. Citibank allowed numerous loans/ lines of credit and Credit Cards to be applied for and opened online without my consent. I have a fraud alert, which is an extended fraud alert on my credit files for a reason. Citibank ignored this. I have now placed a security freeze on my credit files, as of two days ago Citibank attempted to Hard Inquiry my credit report from XXXX  which is a screenshot I will attach. This was blocked, and unauthorized. I have not applied for any credit with Citibank NA, Nor Citicards. CitiBank confirmed they sent fraudulent cards to XXXX XXXX XXXX XXXX XXXX TX XXXX. This address is not on my credit report, and is listed as fraud. Therefore I never got any cards. Additionally Citibank confirmed they opened fraudulent checking and savings accounts which I never authorized. I never sent my ID to Citibank. I do not and have not authorized Citibank to open any line of credit, installment loan or credit card in my name. These are all fraudulent and unauthorized. The email addresses XXXX, and XXXX were found on the dark web being sold and bought by identity thieves these are fraudulent, not authorized, these have been reported to the authorities. Yet Citibank continues to cause further identity damage, refuses to investigate the crime, has not resolved this matter and continues to break consumer laws.","date_sent_to_company":"2020-01-17T16:54:49.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"75002","tags":null,"has_narrative":true,"complaint_id":"3500015","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2020-01-17T16:40:58.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["I first notified Citibank  in XXXX of XXXX  that I was a victim of <em>identity</em> <em>theft</em>. Citibank allowed numerous loans/ lines of credit and Credit Cards to be applied for and opened online without my consent. I have a <em>fraud</em> <em>alert</em>, which is an extended <em>fraud</em> <em>alert</em> on my credit files for a reason. Citibank ignored this. I have now placed a security freeze on my credit files, as of two days ago Citibank attempted to Hard Inquiry my credit report from XXXX  which is a screenshot I will attach."],"sub_issue":["Card opened as result of <em>identity</em> <em>theft</em> or <em>fraud</em>"]},"sort":[18.11009,"3500015"]},{"_index":"complaint-public-v1","_id":"5989352","_score":18.005274,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have never applied nor had an account with Bank of America. On XX/XX/XXXX a checking account was fraudulently opened with Bank of America. I received a debit card on XX/XX/XXXX alerting me that this account was opened. This card/communication was received at my mothers address. I immediately contacted Bank of America to report that I did not open this account. They informed me that the account had a {$100.00} balance and was opened using my name, social security number, date of birth, my mothers address, and a false phone number and email address ( I have the phone number and email if needed ). Bank of America then started a fraud investigation and placed a Fraud ID flag on the account. They sent me a Uniform Affidavit for Identity Theft on XX/XX/XXXX which request copies of my ID, Social Security Card, Social Security Statement, original account documents received, proof of residency, and other supporting documents. I called Bank of America on XX/XX/XXXX and informed them that I would not be sending copies of my personal information because there is not a branch location in the state of WV and I did not feel comfortable with sharing this private information with them. Also, according to their website and their agents, if an account is opened online, they do not request copies of any identify documents ( i.e. State/Federal ID, social security card , proof of residency, etc ). They informed me that I would not be able to close the account after the fraud claim is denied because they can not prove that it is me but the account will be reactivated/opened after the fraud claim is denied per my denial to complete information requested. \nOn XX/XX/XXXX, I received 2 emails from Bank of America stating they received an application for a savings account then that I was approved and the savings account was opened. This was while an ongoing Fraud investigation was active on the checking account. I immediately called them and denied the option to start another Fraud ID process and the agent allowed me to close the savings account because there was no money in this account. \nOn XX/XX/XXXX I contacted the credit reporting companies and placed a Fraud Alert with them. I contacted this office by phone and was referred to fill out this complaint via the website. \nMy main complaint with Bank of America is that no actions were taken upon the opening of the checking account to ensure that it was not fraudulent. They did not request, at the very least, a copy of a state/federal ID and social security card . Nor did they complete even a soft credit check therefore the credit reporting agencies are unaware that this activity occurred. Since my local bank requires copies of ID and Social security card, it is disturbing that a national bank like Bank of America does not provide these minimal securities in a time when identity theft is so prevalent. My other complaint is that they allowed a second account to be opened with my information while an ID flag and an ongoing investigation was active on the checking account. No actions were taken for this second account to ensure that it was not also fraudulent.","date_sent_to_company":"2022-09-16T14:44:09.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"255XX","tags":null,"has_narrative":true,"complaint_id":"5989352","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-09-16T13:18:40.000Z","state":"WV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account opened as a result of fraud"},"highlight":{"complaint_what_happened":["Bank of America then started a <em>fraud</em> investigation and placed a <em>Fraud</em> ID flag on the account. They sent me a Uniform Affidavit for <em>Identity</em> <em>Theft</em> on XX/XX/XXXX which request copies of my ID, Social Security Card, Social Security Statement, original account documents received, proof of residency, and other supporting documents."],"product":["Checking or <em>savings</em> account"],"sub_issue":["Account opened as a result of <em>fraud</em>"]},"sort":[18.005274,"5989352"]},{"_index":"complaint-public-v1","_id":"19030507","_score":17.827635,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint regarding USAA Federal Savings Bank 's denial of reimbursement for an unauthorized electronic funds transfer resulting from fraudulent online banking enrollment and account takeover. \n\nIn XX/XX/XXXX, an unknown third party fraudulently created a USAA online banking profile in my name. I had never enrolled in USAA online banking. Using this unauthorized access, the fraudster then added external bank accounts falsely listed under my name and initiated multiple transfer attempts. \n\nAfter XXXX failed attempts in early XXXX, a transfer of {$4900.00} was successfully completed on XX/XX/XXXX, from my and my husband 's joint savings account to an unknown account at a XXXX  XXXX XXXX where neither of us has ever banked. \n\nUSAA had valid phone numbers and an email address for both of us as joint account holders, and had previously sent legitimate account alerts via text. However, no text, email, or phone alerts were sent for the external account additions or transfer attempts. Notifications were only sent to the inbox of the fraudulently created online banking profile which we did not know existed. \n\nWe discovered the unauthorized transfer on XX/XX/XXXX, and contacted USAA. USAA confirmed the existence of the online banking profile in my name, and required me to verify my identity using a drivers license and selfie. They assisted me in taking control of the online profile, removing the fraudulent external accounts, and denying pending transfers. \n\nDespite these actions, USAA denied the dispute of the fraud transfer, stating that the transfer was \" initiated by an authorized user '' without providing evidence or sufficient documentation.\n\nI have filed an identity theft report with the FTC, the IC3, and a police report. I have sent copies of these to USAA to help them understand the identity theft that has happened to me. \n\nThis has not been resolved by USAA properly. The fraudulently created online banking profile should not have established any authorization to transfer funds. USAA has not explained how the unknown third party was authenticated, or how alerts failed. And USAA 's actions implicitly acknowledge unauthorized access while its dispute determination contradicts that reality.","date_sent_to_company":"2026-01-27T08:42:36.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Savings account","zip_code":"98038","tags":"Servicemember","has_narrative":true,"complaint_id":"19030507","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2026-01-27T08:08:23.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I have filed an <em>identity</em> <em>theft</em> report with the FTC, the IC3, and a police report. I have sent copies of these to USAA to help them understand the <em>identity</em> <em>theft</em> that has happened to me. \n\nThis has not been resolved by USAA properly. The fraudulently created online banking profile should not have established any authorization to transfer funds. USAA has not explained how the unknown third party was authenticated, or how <em>alerts</em> failed."],"product":["Checking or <em>savings</em> account"],"sub_product":["<em>Savings</em> account"]},"sort":[17.827635,"19030507"]},{"_index":"complaint-public-v1","_id":"9753477","_score":17.754353,"_source":{"product":"Checking or savings account","complaint_what_happened":"I contacted Chase Bank back in XX/XX/year> about Checking/Savings account 's that Chase bank had allowed to be opened without my consent, due to identity theft. These accounts were opened a few years back, I believe. I never received any account opening documents. I have never lived at any of the addresses they have listed on those accounts. I did not sign any account applications, and I never received any debit cards. I also did not apply for any credit cards with Chase bank. I did not apply for any checking or savings account 's either. First of all Chase Bank confirmed they closed most of the checking and savings accounts with exception of the following accounts One ending in XXXX. On the XXXX It says you denied my claim, and when I called to ask why I was told to send a police report in that shows the Chase Bank account 's opened fraudulently. I was also told it was because some payment made to a XXXX XXXX XXXX XXXX  XXXX XXXX account. Neither of which have I ever done business with. So any transfers that would have occurred would of course be Fraudulent. These account 's were opened as Identity Fraud. I sent an identity theft affidavit. I am reattaching the affidavit. Along with a Police Report submitted on behalf of the Chase Bank accounts. It is also worth noting that Chase Bank had allowed another email address to be registered also ( XXXX ) This is not my email address. Lastly the letters that they supposedly sent regarding the credit cards were sent to some XXXX XXXX address in XXXX, I don't know whos address that is but it makes sense why I never received those letters. Regardless Chase bank has an obligation to remove my liability from ALL Checking and Savings accounts. I should not be responsible for accounts that were opened by an Identity Thief, and Chase Bank should take my claim more seriously as opposed to just denying the claim and then telling me you verified it to public sources? What Public sources? If it was any address you verified in the past most likely it's been removed from my profile because I did not live at those addresses and I have updated my credit files with Extended Fraud Alerts. I want to confirm that Chase Bank does remove and close the fraudulent checking and savings accounts. Chase Bank should not have me flagged for Accounts I never opened nor conducted business on. I have no monetary ties to any of the said accounts, and Chase Bank has these accounts linked to my social and should not. These Accounts are and were fraudulent. An Identity Thief/Fraudster opened these accounts, and I want to confirm Chase Bank Identity theft department has resolved this issue. IF I ever happen to want to open a Chase Bank account in the future I should be allowed because I never opened the previous accounts to begin with. I have never been a chase customer. Please correct your information and close the fraudulent accounts. Every bank should have an identity theft department and should properly investigate my claim.","date_sent_to_company":"2024-08-08T21:52:44.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"75087","tags":null,"has_narrative":true,"complaint_id":"9753477","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-08-08T21:39:41.000Z","state":"TX","company_public_response":null,"sub_issue":"Account opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["These account 's were opened as <em>Identity</em> <em>Fraud</em>. I sent an <em>identity</em> <em>theft</em> affidavit. I am reattaching the affidavit. Along with a Police Report submitted on behalf of the Chase Bank accounts. It is also worth noting that Chase Bank had allowed another email address to be registered also ( XXXX ) This is not my email address."],"product":["Checking or <em>savings</em> account"]},"sort":[17.754353,"9753477"]},{"_index":"complaint-public-v1","_id":"6898329","_score":17.660969,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My identity was stolen to create the Money Lion account. The day the account was initiated I received a call from an XXXX number telling me they were from my XXXX fraud department, that someone had tried to use my debit for a transaction in XXXX, and that they stopped the transaction and my card would be canceled. They also said not to utilize my online banking system for XXXX hours. That evening I also received an email alert from a paid credit monitoring service alerting me that there was an account opened using my personal information. They provided the contact information for the company ( Money Lion ) that extended the loan. I checked my bank account the following day before I called the Money Lion company and found large sums of money had been moved from my savings to my checking account and payment had been sent to this Money Lion company. I immediately called my bank to freeze my accounts, then proceeded to call Money Lion to let them know I did not authorize or request money or a line of credit with them. They said they would open an investigation. I requested a copy of the contract and asked how they verified the identity to open the account. They sent me a copy of the agreement but there was no identification verification used and they used an electronic signature. They told me their investigation determined the account was legitimate although I never used or received a dime from them. I filed a police report with XXXX Police Department detailing the identity theft and the fraudulent account. I closed my bank accounts because somehow this Money Lion company had accessed my checking account and social security number. The police report was inconclusive and the case was eventually closed with the explanation that internet fraud and identity theft are most often hard to prosecute because the perpetrators are elusive.","date_sent_to_company":"2023-04-28T02:29:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90047","tags":null,"has_narrative":true,"complaint_id":"6898329","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"MoneyLion Inc.","date_received":"2023-04-28T01:52:28.000Z","state":"CA","company_public_response":"Company believes complaint represents an opportunity for improvement to better serve consumers","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The police report was inconclusive and the case was eventually closed with the explanation that internet <em>fraud</em> and <em>identity</em> <em>theft</em> are most often hard to prosecute because the perpetrators are elusive."]},"sort":[17.660969,"6898329"]},{"_index":"complaint-public-v1","_id":"6898369","_score":17.624584,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My identity was stolen to create the XXXX XXXX account. The day the account was initiated I received a call from an XXXX number telling me they were from my XXXX fraud department, that someone had tried to use my debit for a transaction in XXXX, and that they stopped the transaction and my card would be canceled. They also said not to utilize my online banking system for XXXX hours. That evening I also received an email alert from a paid credit monitoring service alerting me that there was an account opened using my personal information. They provided the contact information for the company ( XXXX XXXX ) that extended the loan. I checked my bank account the following day before I called the XXXX XXXX company and found large sums of money had been moved from my savings to my checking account and payment had been sent to this XXXX XXXX company. I immediately called my bank to freeze my accounts, then proceeded to call XXXX XXXX to let them know I did not authorize or request money or a line of credit with them. They said they would open an investigation. I requested a copy of the contract and asked how they verified the identity to open the account. They sent me a copy of the agreement but there was no identification verification used and they used an electronic signature. They told me their investigation determined the account was legitimate although I never used or received a dime from them. I filed a police report with XXXX Police Department detailing the identity theft and the fraudulent account. I closed my bank accounts because somehow this XXXX XXXX company had accessed my checking account and social security number. The police report was inconclusive and the case was eventually closed with the explanation that internet fraud and identity theft are most often hard to prosecute because the perpetrators are elusive.","date_sent_to_company":"2023-04-28T02:29:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90047","tags":null,"has_narrative":true,"complaint_id":"6898369","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-04-28T02:29:11.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The police report was inconclusive and the case was eventually closed with the explanation that internet <em>fraud</em> and <em>identity</em> <em>theft</em> are most often hard to prosecute because the perpetrators are elusive."]},"sort":[17.624584,"6898369"]},{"_index":"complaint-public-v1","_id":"3471376","_score":17.52793,"_source":{"product":"Checking or savings account","complaint_what_happened":"I was notified on XX/XX/XXXX that I was the victim of identity theft and that my Chase bank accounts could be compromised. I notified Chase immediately to put fraud alerts on my account as well as change passwords and put restrictions on account etc. I was assured my money in my savings account and checking would be secure. On Friday XX/XX/XXXX, a an unauthorized withdrawal in the amount of XXXX was made in person in a bank in Indiana. I only found this out when I checked my daily balance on Sat XX/XX/XXXX morning. I have filed a claim with Chase and now have to wait 10 business days for my refund. I have also had to shut all accounts associated with this account down. Tis not only has caused a huge inconvenience but begs the question how and why did Chase allow this to happen?","date_sent_to_company":"2019-12-18T15:35:17.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"30188","tags":null,"has_narrative":true,"complaint_id":"3471376","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-12-18T15:27:10.000Z","state":"GA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I was notified on XX/XX/XXXX that I was the victim of <em>identity</em> <em>theft</em> and that my Chase bank accounts could be compromised. I notified Chase immediately to put <em>fraud</em> <em>alerts</em> on my account as well as change passwords and put restrictions on account etc. I was assured my money in my <em>savings</em> account and checking would be secure. On Friday XX/XX/XXXX, a an unauthorized withdrawal in the amount of XXXX was made in person in a bank in Indiana."],"product":["Checking or <em>savings</em> account"],"sub_product":["<em>Savings</em> account"]},"sort":[17.52793,"3471376"]},{"_index":"complaint-public-v1","_id":"3095464","_score":17.342474,"_source":{"product":"Checking or savings account","complaint_what_happened":"On or about XXXX I received from Wells Fargo 3 seperate mailings indicating the following new accounts had been opened : XXXX XXXX Account with Checking XXXX Overdraft Protection and Savings XXXX {$5000.00} Visa XXXX XXXX XXXX XXXX I have never applied to Wells Fargo for any type of account. On XXXX I contacted their fraud department. Wells Fargo claims I made an online application for these accounts on XXXX. I have never had an online profile with them. I asked : Who's online profile was used? \nWhat IP address was used? \nHow could these accounts be opened online with NO funding? \nHow was a credit pull made since I have a credit freeze since XXXX? \nWhich bureau was pulled? \nThey would not answer any of my questions and referred me to the credit bureaus. \nAll 3 confirmed to me credit freeze still in effect with these messages : SECURITY FREEZE :  This file has been frozen or locked at the consumer 's request. \nSECURITY ALERT : Extended Fraud Alert : Action may be required under FCRA before opening or modifying an account. Contact consumer at ( XXXX ) XXXX or ( XXXX ) XXXX. ( Note : This alert is set to expire in XX/XX/XXXX. ) PROMOTIONAL OPT-OUT : This file has been opted out of promotional lists. \n( Note : This opt-out has no expiration date. ) Identity theft victims and XXXX XXXX military personnel have additional rights.","date_sent_to_company":"2018-12-09T22:30:23.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"85205","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"3095464","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2018-12-09T22:01:43.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account opened as a result of fraud"},"highlight":{"complaint_what_happened":["SECURITY <em>ALERT</em> : Extended <em>Fraud</em> <em>Alert</em> : Action may be required under FCRA before opening or modifying an account. Contact consumer at ( XXXX ) XXXX or ( XXXX ) XXXX. ( Note : This <em>alert</em> is set to expire in XX/XX/XXXX. ) PROMOTIONAL OPT-OUT : This file has been opted out of promotional lists. \n( Note : This opt-out has no expiration date. ) <em>Identity</em> <em>theft</em> victims and XXXX XXXX military personnel have additional rights."],"product":["Checking or <em>savings</em> account"],"sub_issue":["Account opened as a result of <em>fraud</em>"]},"sort":[17.342474,"3095464"]},{"_index":"complaint-public-v1","_id":"3724375","_score":17.338463,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Fraudulent activity in my HSBC \" Select Credit Account '' ending in XXXX. On XX/XX/2020, the perpetrator transferred {$6000.00} from my Select Credit Account to my savings account. On XX/XX/2020 a wire transfer of {$5500.00} from my savings account was sent to XXXX. This is XXXX  XXXX XXXX XXXX. I found out about this activity on XX/XX/2020 when I received an account statement in the mail. Previous to this date I did not receive a phone call, text or email from HSBC alerting me to this unauthorized account activity. My Select Credit Account has not been used for 2 years. Actions taken by me are as follows : XXXX ) XX/XX/2020 : Contact the Fraud Department of HSBC 2 )  XX/XX/2020 : Filed a Police Report with the XXXX County Sheriffs Office, XXXX XXXX, Florida 3 ) XX/XX/2020 : Submitted to the Federal Trade Commission Identity Theft Victims Complaint and Affidavit. \n4 ) XX/XX/2020 : Contacted XXXX, XXXX, XXXX  Credit Bureaus to place a Freeze on my Credit.","date_sent_to_company":"2020-07-01T13:15:49.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"11727","tags":"Older American","has_narrative":true,"complaint_id":"3724375","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HSBC NORTH AMERICA HOLDINGS INC.","date_received":"2020-07-01T12:44:43.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Actions taken by me are as follows : XXXX ) XX/XX/2020 : Contact the <em>Fraud</em> Department of HSBC 2 )  XX/XX/2020 : Filed a Police Report with the XXXX County Sheriffs Office, XXXX XXXX, Florida 3 ) XX/XX/2020 : Submitted to the Federal Trade Commission <em>Identity</em> <em>Theft</em> Victims Complaint and Affidavit. \n4 ) XX/XX/2020 : Contacted XXXX, XXXX, XXXX  Credit Bureaus to place a Freeze on my Credit."],"issue":["<em>Fraud</em> or scam"]},"sort":[17.338463,"3724375"]},{"_index":"complaint-public-v1","_id":"10279874","_score":17.243923,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2024, I became the victim of identity theft, resulting in a series of fraudulent withdrawals from Marcus by Goldman Sachs XXXX XXXX Account. A total of {$28000.00} was fraudulently transferred from the account via multiple ACH transfers to a XXXX XXXX XXXX account ( ending in XXXX ). I have neither of these accounts, the only bank I use a this time is XXXX XXXX XXXX. \n\nDetails of Fraudulent Transactions : On XX/XX/2024, the following unauthorized XXXX withdrawals were made from my savings account : XX/XX/2024 : Internet transfer to XXXX XXXX XXXX XXXXXXXX - {$990.00} XX/XX/2024 : Internet transfer to XXXX XXXX Bank XXXX - {$990.00} XX/XX/2024 : Internet transfer to XXXX XXXXXXXX XXXX XXXXXXXX - {$990.00} ( and so on for each transfer as detailed in the statement ) In total, XXXX transactions occurred in increments of approximately {$990.00} each, totaling {$28000.00}. These withdrawals depleted nearly all the funds in the account, leaving a balance of {$0.00}. \nActions Taken Upon discovering these fraudulent transactions, I took the following actions : XXXX. Filed a Police Report : I reported the identity theft to the local police department, providing them with a copy of my bank statement and other relevant documentation. \nXXXX. Contacted Marcus by Goldman Sachs : I notified Marcus by Goldman Sachs of the fraudulent activity, and they confirmed that my account had been closed as of XX/XX/2024. \nXXXX Credit Monitoring and Fraud Alerts : I followed the recommended steps provided by Chase to protect my identity, including contacting the credit reporting agencies ( XXXX XXXX XXXX, and XXXX XXXX to place a fraud alert on my credit file. \nXXXX. Notified the FTC : I reported the identity theft to the Federal Trade Commission ( FTC ) and reviewed their resources for dealing with identity theft. \n\nNext Steps I request a full investigation into these fraudulent transactions. Additionally, I will continue monitoring my credit and accounts for any further suspicious activity. If additional information or documentation is required, please do not hesitate to contact me. \nSincerely, XXXX XXXX","date_sent_to_company":"2024-09-29T23:28:38.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"21093","tags":null,"has_narrative":true,"complaint_id":"10279874","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2024-09-29T22:56:58.000Z","state":"MD","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["XXXX Credit Monitoring and <em>Fraud</em> <em>Alerts</em> : I followed the recommended steps provided by Chase to protect my <em>identity</em>, including contacting the credit reporting agencies ( XXXX XXXX XXXX, and XXXX XXXX to place a <em>fraud</em> <em>alert</em> on my credit file. \nXXXX. Notified the FTC : I reported the <em>identity</em> <em>theft</em> to the Federal Trade Commission ( FTC ) and reviewed their resources for dealing with <em>identity</em> <em>theft</em>. \n\nNext Steps I request a full investigation into these fraudulent transactions."],"product":["Checking or <em>savings</em> account"]},"sort":[17.243923,"10279874"]},{"_index":"complaint-public-v1","_id":"15016381","_score":17.236504,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear CFPB Representative, I am writing to file a formal complaint regarding my ongoing difficulty in opening a bank account due to identity theft. Despite being a victim and taking all the appropriate steps to report and resolve the issue, I continue to face significant barriers with banks and credit unions denying my applications. \n\nMy personal information was used fraudulently to open accounts that resulted in negative reports being shared with consumer reporting agencies, such as XXXX XXXX XXXX XXXX XXXX XXXX  ), and the credit bureaus. These accounts do not belong to me and were created without my knowledge or consent. \n\nI have already submitted fraud and identity theft reports to the Federal Trade Commission ( FTC ) and local law enforcement. I have also contacted the consumer reporting agencies to place fraud alerts and request corrections. However, I continue to be unfairly penalized and prevented from accessing basic financial services like checking or savings accounts. \n\nI am requesting the CFPB to investigate these practices and assist in ensuring the removal of fraudulent entries that are impeding my ability to open and maintain a bank account. \n\nPlease let me know if further documentation is required. I am prepared to submit police reports, FTC identity theft reports, dispute letters, and any other evidence that supports my case. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-08-03T21:37:27.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"30094","tags":null,"has_narrative":true,"complaint_id":"15016381","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-08-03T21:20:38.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["I have already submitted <em>fraud</em> and <em>identity</em> <em>theft</em> reports to the Federal Trade Commission ( FTC ) and local law enforcement. I have also contacted the consumer reporting agencies to place <em>fraud</em> <em>alerts</em> and request corrections. However, I continue to be unfairly penalized and prevented from accessing basic financial services like checking or <em>savings</em> accounts."],"product":["Checking or <em>savings</em> account"]},"sort":[17.236504,"15016381"]},{"_index":"complaint-public-v1","_id":"4386754","_score":17.190374,"_source":{"product":"Checking or savings account","complaint_what_happened":"On or around XX/XX/XXXX I received 2 post cards ( one for a checking account, one for a savings account ) in the mail from BB & T saying that I had requested them to consider authorizing and paying overdrafts on my ATM and debit card transactions. Since I did have a checking or savings account with BB & T I called them and said I thought they were setup in error. They turned it over to their fraud department and on or around XX/XX/XXXX I received a letter from them saying I was the victim of identity theft along with all of the steps they were taking to secure the accounts. \n\nAt their suggestion I ordered all of my free credit reports from the 3 credit bureaus to check for any unusual activity. All three were clean and the only inquiry from BB & T was from when we established a mortgage with them in XXXX or XXXX. \n\nI found it odd that 1 ) there was no inquiry from BB & T, soft or hard, to setup the accounts and 2 ) I did not receive any email/text alerts that these were added to my existing account. I find it very hard to believe a bank would not alert you if a new account was added to an existing mortgage account. \n\nGiven the recent XXXX XXXX fraud where they were setting up accounts without their customers knowledge in order to hit targets, I wanted to see what exactly was used to establish these accounts ( given the lack of alerts ). \n\nOn XX/XX/XXXX I called the number on the letter I received and asked for a copy of the documents used to setup the accounts and was today I would need a police report and that the police would have to subpoena them for the documents. I find it ridiculous that I would have to file a police report with my local police department to get a copy of documents which allegedly used my SS # and other personal information. \n\nI would like to receive copies of these documents to then see if I feel further action is required on my part. At the moment their unwillingness to share the documents seems suspicious to me.","date_sent_to_company":"2021-05-18T21:44:39.000Z","issue":"Opening an account","sub_product":"Other banking product or service","zip_code":"45150","tags":null,"has_narrative":true,"complaint_id":"4386754","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2021-05-18T20:58:45.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account opened as a result of fraud"},"highlight":{"complaint_what_happened":["They turned it over to their <em>fraud</em> department and on or around XX/XX/XXXX I received a letter from them saying I was the victim of <em>identity</em> <em>theft</em> along with all of the steps they were taking to secure the accounts. \n\nAt their suggestion I ordered all of my free credit reports from the 3 credit bureaus to check for any unusual activity. All three were clean and the only inquiry from BB & T was from when we established a mortgage with them in XXXX or XXXX."],"product":["Checking or <em>savings</em> account"],"sub_issue":["Account opened as a result of <em>fraud</em>"]},"sort":[17.190374,"4386754"]},{"_index":"complaint-public-v1","_id":"3450573","_score":17.084093,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Since about XX/XX/XXXX Bank of America has not fixed the identity theft that occurred with stolen identity. Checking accounts and Savings accounts were established using an unverifiable fraudulent address to open the accounts online. Bank of America refuses to close the fraudulent account that resulted from identity theft in the form of a checking account. They advised me even though the debit card had been sent to a fraudulent address and that I did not authorize any accounts to be opened with the Bank and even provided them with an FTC Identity Theft Affidavit that was submitted the local police department, they do not wish to assist me and do not want to resolve the complaints. XXXX has recently notified me that the email address XXXX, was and is found on the dark web and was sold by identity thieves. Bank of America Allowed these accounts to be established using said email address. Additionally Bank of America has allowed a Travel Rewards credit card to be opened from the same thief. This was opened XX/XX/XXXX. I advised Bank of America I did not open this account nor authorize it to be opened. Bank of America did not clear my Extended Fraud alert, and refuses to investigate the Identity Theft, Instead they say that Established payments were established using the XXXX XXXX Account that I had XXXX XXXX close due to identity theft, and the Payments made to the Bank of America Account were revoked and or marked unauthorized. The balance on this fraudulent credit account is {$2100.00} Which is being reported to XXXX. I do not authorize you to continually report a fraudulent account on my credit report. Additionally, Bank of America changed the address on this actual account to my address. AGAIN unauthorized, I did not agree to allow the address on this fraudulent account to be placed as my current address. MY Mail had been forwarded at the time the account was established. This has not been resolved is still ongoing and Bank of America continues to cause me monetary loss. Additionally, they will not allow any checking or savings accounts to be established because of the Fraudulent accounts that they have internally. These accounts none of them were authorized. I do not have business with Bank of America nor a relationship with the Bank. Please see the attached FTC Affidavit which is sworn under perjury. Additionally the FTC Notice to Furnishers which requires you to complete an investigation.","date_sent_to_company":"2019-11-26T07:36:48.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"75002","tags":null,"has_narrative":true,"complaint_id":"3450573","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2019-11-26T02:20:08.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["Bank of America did not clear my Extended <em>Fraud</em> <em>alert</em>, and refuses to investigate the <em>Identity</em> <em>Theft</em>, Instead they say that Established payments were established using the XXXX XXXX Account that I had XXXX XXXX close due to <em>identity</em> <em>theft</em>, and the Payments made to the Bank of America Account were revoked and or marked unauthorized. The balance on this fraudulent credit account is {$2100.00} Which is being reported to XXXX."],"sub_issue":["Card opened as result of <em>identity</em> <em>theft</em> or <em>fraud</em>"]},"sort":[17.084093,"3450573"]},{"_index":"complaint-public-v1","_id":"4593901","_score":17.00225,"_source":{"product":"Checking or savings account","complaint_what_happened":"In XX/XX/2021, I had become a victim of Identity Theft. I learned that 4 accounts ( 2 savings and 2 checking accounts ) had been opened in my name via XXXX XXXX. Working with the FTC and XXXX XXXX, those accounts were deemed to be fraudulent and have since been closed. \n\nin XX/XX/2021, I have learned that 2 account ( 1 checking and 1 savings ) had been opened in my name via The Huntington National Bank in Ohio. I called and spoke to a customer rep and they stated someone would be calling me to speak with me within 24-48 hours. I did not hear from anyone so I called again. The gentlemen I spoke to stated that the accounts were in the process of being closed. The following day, I received a letter that shows the accounts are still open.\n\nI do have a credit freeze and fraud alert on my credit to help this from happening again, XX/XX/2021 I send 2 letters for each account with my statement via the FTC asking those accounts be closed as they are fraudulent. \n\nXX/XX/2021, I still have yet to hear from anyone from Huntington Bank.","date_sent_to_company":"2021-08-01T23:23:47.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"546XX","tags":null,"has_narrative":true,"complaint_id":"4593901","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HUNTINGTON NATIONAL BANK, THE","date_received":"2021-08-01T23:06:23.000Z","state":"WI","company_public_response":null,"sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["In XX/XX/2021, I had become a victim of <em>Identity</em> <em>Theft</em>. I learned that 4 accounts ( 2 <em>savings</em> and 2 checking accounts ) had been opened in my name via XXXX XXXX. Working with the FTC and XXXX XXXX, those accounts were deemed to be fraudulent and have since been closed. \n\nin XX/XX/2021, I have learned that 2 account ( 1 checking and 1 <em>savings</em> ) had been opened in my name via The Huntington National Bank in Ohio."],"product":["Checking or <em>savings</em> account"]},"sort":[17.00225,"4593901"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":218,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":218}]}},"product":{"doc_count":218,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":106,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":71},{"key":"Savings account","doc_count":26},{"key":"Other banking product or service","doc_count":8},{"key":"CD (Certificate of Deposit)","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":39,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":37},{"key":"Credit repair services","doc_count":1},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":22,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":21},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":19,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Domestic (US) money transfer","doc_count":9},{"key":"Mobile or digital wallet","doc_count":6},{"key":"International money transfer","doc_count":3},{"key":"Virtual currency","doc_count":1}]}},{"key":"Debt collection","doc_count":13,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":8},{"key":"Credit card debt","doc_count":4},{"key":"Other debt","doc_count":1}]}},{"key":"Credit card or prepaid card","doc_count":10,"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":9},{"key":"Government benefit card","doc_count":1}]}},{"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":4},{"key":"Store credit card","doc_count":1}]}},{"key":"Bank account or service","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":2},{"key":"Savings account","doc_count":1}]}}]}},"issue":{"doc_count":218,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Managing an account","doc_count":63,"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":27},{"key":"Deposits and withdrawals","doc_count":20},{"key":"Banking errors","doc_count":6},{"key":"Funds not handled or disbursed as instructed","doc_count":6},{"key":"Problem making or receiving payments","doc_count":2},{"key":"Cashing a check","doc_count":1},{"key":"Problem accessing account","doc_count":1}]}},{"key":"Incorrect information on your report","doc_count":32,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":16},{"key":"Account status incorrect","doc_count":8},{"key":"Account information incorrect","doc_count":7},{"key":"Information is incorrect","doc_count":1}]}},{"key":"Opening an account","doc_count":17,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account opened without my consent or knowledge","doc_count":7},{"key":"Account opened as a result of fraud","doc_count":6},{"key":"Unable to open an account","doc_count":4}]}},{"key":"Fraud or scam","doc_count":13,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Attempts to collect debt not owed","doc_count":12,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt was result of identity theft","doc_count":7},{"key":"Debt is not yours","doc_count":5}]}},{"key":"Closing an account","doc_count":12,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Can't close your account","doc_count":5},{"key":"Company closed your account","doc_count":4},{"key":"Funds not received from closed account","doc_count":2},{"key":"Fees charged for closing account","doc_count":1}]}},{"key":"Improper use of your report","doc_count":12,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":8},{"key":"Credit inquiries on your report that you don't recognize","doc_count":3},{"key":"Report provided to employer without your written authorization","doc_count":1}]}},{"key":"Problem with a lender or other company charging your account","doc_count":12,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":12}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":11,"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":6},{"key":"Investigation took more than 30 days","doc_count":3},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":1},{"key":"Was not notified of investigation status or results","doc_count":1}]}},{"key":"Getting a credit card","doc_count":8,"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":6},{"key":"Card opened without my consent or knowledge","doc_count":2}]}},{"key":"Other transaction problem","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with a purchase shown on your statement","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card was charged for something you did not purchase with the card","doc_count":5}]}},{"key":"Credit monitoring or identity theft protection services","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive services that were advertised","doc_count":3}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Investigation took more than 30 days","doc_count":1},{"key":"Problem with personal statement of dispute","doc_count":1},{"key":"Their investigation did not fix an error on your report","doc_count":1}]}},{"key":"Unauthorized transactions or other transaction problem","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Account opening, closing, or management","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":"Deposits and withdrawals","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Identity theft / Fraud / Embezzlement","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Making/receiving payments, sending money","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem caused by your funds being low","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Overdrafts and overdraft fees","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":"Charged for a purchase or transfer you did not make with the card","doc_count":1}]}},{"key":"Took or threatened to take negative or legal action","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Threatened to sue you for very old debt","doc_count":1}]}}]}},"timely":{"doc_count":218,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":217},{"key":"No","doc_count":1}]}},"company_response":{"doc_count":218,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":140},{"key":"Closed with monetary relief","doc_count":42},{"key":"Closed with non-monetary relief","doc_count":36}]}},"submitted_via":{"doc_count":218,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":218}]}},"company":{"doc_count":218,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"JPMORGAN CHASE & CO.","doc_count":32},{"key":"WELLS FARGO & COMPANY","doc_count":23},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":21},{"key":"Experian Information Solutions Inc.","doc_count":16},{"key":"EQUIFAX, INC.","doc_count":15},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":13},{"key":"CITIBANK, N.A.","doc_count":10},{"key":"UNITED SERVICES AUTOMOBILE ASSOCIATION","doc_count":8},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":6},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":6},{"key":"TRUIST FINANCIAL CORPORATION","doc_count":6},{"key":"BBVA FINANCIAL CORPORATION","doc_count":3},{"key":"Chime Financial Inc","doc_count":3},{"key":"DISCOVER BANK","doc_count":3},{"key":"FIFTH THIRD FINANCIAL CORPORATION","doc_count":3},{"key":"GOLDMAN SACHS BANK USA","doc_count":3},{"key":"HSBC NORTH AMERICA HOLDINGS INC.","doc_count":3},{"key":"Resurgent Capital Services L.P.","doc_count":3},{"key":"U.S. BANCORP","doc_count":3},{"key":"ALLY FINANCIAL INC.","doc_count":2},{"key":"Fidelity National Information Services, Inc. (FNIS)","doc_count":2},{"key":"PNC Bank N.A.","doc_count":2},{"key":"SOFI TECHNOLOGIES, INC.","doc_count":2},{"key":"SYNCHRONY FINANCIAL","doc_count":2},{"key":"TD BANK US HOLDING COMPANY","doc_count":2},{"key":"Apple Financing LLC","doc_count":1},{"key":"BB&T CORPORATION","doc_count":1},{"key":"BMO BANK NATIONAL ASSOCIATION","doc_count":1},{"key":"Braviant Holdings, LLC","doc_count":1},{"key":"CBC Companies, Inc.","doc_count":1},{"key":"CCS Financial Services, Inc.","doc_count":1},{"key":"ENOVA INTERNATIONAL, INC.","doc_count":1},{"key":"EdFinancial Services","doc_count":1},{"key":"FISERV FINXACT CORE","doc_count":1},{"key":"HUNTINGTON NATIONAL BANK, THE","doc_count":1},{"key":"I.C. System, Inc.","doc_count":1},{"key":"Indie Technology DBA Found","doc_count":1},{"key":"KEYCORP","doc_count":1},{"key":"Kashia Services","doc_count":1},{"key":"LTD Financial Services, L.P.","doc_count":1},{"key":"MORGAN STANLEY & CO. LLC","doc_count":1},{"key":"MoneyLion Inc.","doc_count":1},{"key":"Netspend Corporation","doc_count":1},{"key":"Paypal Holdings, Inc","doc_count":1},{"key":"Portfolio Recovery Associates, LLC","doc_count":1},{"key":"REGIONS FINANCIAL CORPORATION","doc_count":1},{"key":"SANTANDER HOLDINGS USA, INC.","doc_count":1},{"key":"SOUTHSTATE BANK CORPORATION","doc_count":1},{"key":"Sequium Asset Solutions, LLC","doc_count":1},{"key":"Sezzle Inc.","doc_count":1},{"key":"Trident Asset Management, L.L.C.","doc_count":1}]}},"state":{"doc_count":218,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TX","doc_count":46},{"key":"CA","doc_count":34},{"key":"NY","doc_count":20},{"key":"FL","doc_count":17},{"key":"GA","doc_count":15},{"key":"IL","doc_count":10},{"key":"LA","doc_count":6},{"key":"NJ","doc_count":6},{"key":"AZ","doc_count":5},{"key":"MD","doc_count":5},{"key":"OH","doc_count":5},{"key":"WA","doc_count":5},{"key":"OK","doc_count":4},{"key":"PA","doc_count":4},{"key":"NC","doc_count":3},{"key":"NM","doc_count":3},{"key":"CO","doc_count":2},{"key":"DC","doc_count":2},{"key":"IN","doc_count":2},{"key":"KY","doc_count":2},{"key":"MA","doc_count":2},{"key":"UT","doc_count":2},{"key":"VA","doc_count":2},{"key":"AL","doc_count":1},{"key":"AR","doc_count":1},{"key":"CT","doc_count":1},{"key":"DE","doc_count":1},{"key":"HI","doc_count":1},{"key":"ID","doc_count":1},{"key":"KS","doc_count":1},{"key":"MI","doc_count":1},{"key":"MO","doc_count":1},{"key":"MS","doc_count":1},{"key":"NV","doc_count":1},{"key":"OR","doc_count":1},{"key":"TN","doc_count":1},{"key":"WI","doc_count":1},{"key":"WV","doc_count":1}]}},"company_public_response":{"doc_count":218,"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":107},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":14},{"key":"Company believes complaint represents an opportunity for improvement to better serve consumers","doc_count":1}]}},"tags":{"doc_count":218,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":28},{"key":"Older American","doc_count":12},{"key":"Older American, Servicemember","doc_count":6}]}}},"_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":{"2":[17.002312,"4593901"],"3":[15.352846,"17854125"],"4":[14.0663805,"7036522"],"5":[12.909134,"8477923"],"6":[11.349473,"16397979"],"7":[10.2381,"6149320"],"8":[8.090397,"5214056"]}}}