{"took":91,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":10,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2384100","_score":19.91057,"_source":{"product":"Credit card","complaint_what_happened":"I received in the mail an unsolicited credit card in my deceased husband 's name, at the address of the family farm for XXXX XXXX Preferred Card with a {$500000.00} available credit. Only tele-phone number is to activate card ( XXXX ), same with email address ( XXXX ). I could only find on the computer an address for this company that seems to be a fake -- in California. From internet research this is a scam which previously had slightly different company name and an address in AZ. I want to be certain that this company knows this card is illegal and is stopped from sending these. I am concerned about identity theft and that something awful could happen to my finances as a result of this. I want to be sure that it wo n't influence my credit score or reporting. The letter that came with the card has the disclaimer on the back that it is not an offer of credit, but that XXXX XXXX wants to verify financial information and credit worthiness. I want to be sure they can not access this information. It is not possible to contact the company directly since the only available phone number or address are to activate or seem to be fakes.","date_sent_to_company":"2017-04-03T16:11:44.000Z","issue":"Unsolicited issuance of credit card","sub_product":null,"zip_code":"067XX","tags":null,"has_narrative":true,"complaint_id":"2384100","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"IMC Capital, LLC","date_received":"2017-03-13T18:03:06.000Z","state":"CT","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I <em>could</em> only find on the computer an address for this company that seems to be a fake -- in California. From internet research this is a scam which previously had slightly different company name and an address in AZ. I want to be certain that this company knows this card is illegal and is stopped from sending these. I am concerned about <em>identity</em> <em>theft</em> and that <em>something</em> <em>awful</em> <em>could</em> happen to my finances as a result of this."]},"sort":[19.91057,"2384100"]},{"_index":"complaint-public-v1","_id":"3135786","_score":14.164271,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"Someone opened a fraudulent account using my social security number..I did not give anybody permission to use my social ... I have provided the requested documents to XXXX  as requested and the investigation has been ongoing since XX/XX/XXXX in which is the date the loan was open..XXXX XXXX is the name of the loan company..There is a balance of {$9600.00} with a high balance of {$16000.00} ... I dont need a loan of no type if you check my credit you will see all my credit accounts is in perfect standing ... this is causing emotional distress on me and my family ... Ive even reached out to the RMC Loan place and asked that they run there security cameras so that we could see who done this such awful thing and they told me they dont have cameras ... I have provided to XXXX  several police reports that state this account is fraudulent and they still say the process hasnt been completed and that RMC has verified that the account belongs to me..I told them to provide proof that the account belongs to me bc unless I have a cloan then they need to remove this account immediately..Im trying to be patient and take the proper steps into going about this situation before I proceed with my attorney..please take into consideration that I will prosecute whomever we find out who did this ... Im convinced that the bureaus has something to do with this because they removed the inquiry but not the account ... my credit was ran 27 times in one month and they removed all of them because fraud was obvious..I have police reports all the way from XX/XX/XXXX where my entire vehicle was stolen and my wallet ... Ive been a victim of identity theft for 6 plus years now and the bureaus been aware of that.It also states that Ive paid off 41 % of the loan and Ive never made a payment on it because I didnt open a loan up .Thanks and please contact me back about this matter..XXXX or XXXX XXXX","date_sent_to_company":"2019-02-05T16:58:36.000Z","issue":"Incorrect information on your report","sub_product":"Installment loan","zip_code":"29223","tags":null,"has_narrative":true,"complaint_id":"3135786","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Regional Management Corporation","date_received":"2019-01-29T02:33:50.000Z","state":"SC","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Ive even reached out to the RMC Loan place and asked that they run there security cameras so that we <em>could</em> see who done this such <em>awful</em> thing and they told me they dont have cameras ..."]},"sort":[14.164271,"3135786"]},{"_index":"complaint-public-v1","_id":"13295857","_score":10.297127,"_source":{"product":"Credit card","complaint_what_happened":"Kohls credit card The Kohl 's credit cards changed to another card XXXX says the transition was between XX/XX/XXXX and XX/XX/XXXX. \nI did not know until XX/XX/XXXX when I googled can't get into my Kohl 's card. \nThe new card was no longer available on the Kohl 's website. \nI always shopped and paid my card on the website or in person. It is a store card. \nI assumed the site was down because I knew I had a Kohl 's card. \nThere was no notice on the site. When I spoke to a representative, XXXX XXXX from Texas, she stated that there was a banner on the site for XXXX days, but I got the impression she made that up. I saw no banner, and XXXX days is not enough. XXXX days means if you are potentially XXXX day late on the right day, you do not see the banner. \nI never saw a banner. \nI tried many times to log in to my Kohl 's card on the site on many different days unsuccessfully. \nI googled it and I found the Kohl 's card had changed. \" A recent transition to a new Kohl 's Visa Card issued by Capital One. '' By this time, I was XXXX payments behind I tried to log in to the Capital One website. \nI tried to create an account on the Capital One website. \nMy information was not found. Not my social security number or my zip code. \nIt asked me for things I did not have, like my account number and a date on the card. \nFinally, I called Capital One customer service, and they did find me. \nI had been assessed {$91.00} in fees and interest, and it was reported to my credit. \nI was only unable to get the XXXX in fees erased. \nI was told i was not eligible. How could I be made to pay a late for for an account I was unable to find and certainly did not know the payment date. \nI spoke to XXXX representatives and a supervisor. I had to give them my personal information for an account not included in my identity theft program The fees were higher than my old Kohls card and they had already reported me delinquent to the credit bureaus. \nThe representatives schooled me over and over about sending me a statement but I get advertisements from credit cards all the time and frankly, wasn't interested in a Capital One card. I do not know if i received any mail from Capital One. \nI did check my email and i did not receive any emails from Capital One until the day i spoke to the XXXX  representative. I had asked him to send me statements before i could log in. \nI paid my card except for the remaining fees and I closed the account with the supervisor. \nEvery conversation I had with the representative focused on what I did not do. \" you said you didn't open your mail. You said you cut up mail that has cards in it '' I do do those things. Like I said I get a lot of solicitations for cards but really am i suppose to look at all my residential mail? Is there something wrong with cutting up credit card mail that feels like it has cards in it when you dont have an account with them? I think it's safe. \nI dont think it's fair that they can charge me these fees. There is another {$51.00} in fees on this card. \nI dont think it's fair that they have reported me to the credit bureaus. \nPlease have these fees reversed and this awful ding on my credit removed. It cost me about XXXX points and will have financial repercussions for years. \nMy credit is frozen to new accounts. I did not know they could open a new account without looking at my credit. \nMy personal information is compromised. I dont have this account on my identity theft protection. \nThis was simply a store card. It is not available on my kohls on line account any more and wasnt easy to find. \nWhen you take away someones convenient paying option and give no direction to were to go to pay, this is unfair. \nThe direction needs to be at the site of the previous payment, and it needs to be longer than XXXX  days ( I do not believe they had it on the site for XXXX  days ). \nPeople are busy, I go to pay my bills. Sometimes it's hard to pull the time aside. Sometimes I end up paying late fees, but not missing entire payments, and getting reported. Sometimes I can't get time available during customer service hours. Sometimes I have to choose between work and family, and calling customer service. If I can't log in after several tries I have to come back another day. How many days do i have to try to get to my account? I have long thought that Capital one had practices to extract fees that are not customer service-friendly, like other companies. I dont have this problem with my XXXX XXXX accounts. \nAnd to report customers who dont even know they are customers to the credit bureau is insane. \nWhat about my identity protection? This company is not listed. I have the right to protect myself. \nPlease help me to get this off my credit and maybe look into others who have been effected XXXX XXXX I have no account number. I have no paperwork. I have no card. They will not give me my number over the phone.","date_sent_to_company":"2025-05-02T21:12:34.000Z","issue":"Fees or interest","sub_product":"Store credit card","zip_code":"33410","tags":null,"has_narrative":true,"complaint_id":"13295857","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-05-02T19:31:08.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["How <em>could</em> I be made to pay a late for for an account I was unable to find and certainly did not know the payment date. \nI spoke to XXXX representatives and a supervisor. I had to give them my personal information for an account not included in my <em>identity</em> <em>theft</em> program The fees were higher than my old Kohls card and they had already reported me delinquent to the credit bureaus."]},"sort":[10.297127,"13295857"]},{"_index":"complaint-public-v1","_id":"3368961","_score":9.4506645,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"I have evidently been a victim of identity theft and fraud. I was called by a woman, the caller ID said she was from XXXX XXXX XXXX , XXXX. Apparently these people can change the name on their phone number. Because it WAS NOT a business remotely associated with XXXX. \n\nShe was very enthusiastic, and personable, and said that she believed we could do business. I listened to her, and I trust XXXX completely, as not a thing has ever gone wrong that they did not fix immediately. At the end of her discription, when she said I had to contribute {$5000.00} to get the business, I told her that I couldn't do that, and thanks, but I can not do business with you. I was about to hang up, when she said, \" Wait, maybe we can get you a loan to do it. I'll transfer you to a financial representative. '' The next thing I knew, I was talking to another very personable lady. She got my trust ( along with XXXX ) as she went along, explaining how it worked. They had contacts, XXXX XXXX, who would fund something that would help the right person. I do know that there are good and kind people out there, but I didn't expect them to fund me for a business that would return me money. This lady told me stories of other people and what good things these businesses did for them. And it wasn't a get rich quick, and become a millionaire type thing. I was very leery, because I was XXXX, on social security XXXX. And while I had been smart before I got sick, I was definitely XXXX   XXXX for decades after I was sick. So I did not think I could do it. She went along and along, drawing me in, and getting my information from me between these stories, and how it worked, and how she thought, but couldn't promise anything, that she could get a loan for me. Eventually, over a long time, I ended up giving her all the information that she needed to GET me a loan -- and take the money soon as it was deposited to my account. I was not ready for this. I thought that at least I had to sign for the loan, or at least E-sign for it. I couldn't believe it when {$7100.00} went into MY ACCOUNT and were immediately debited out of it. I called and she reassured me that it was legal and they were designing a website for me as we spoke. A month later, a pmt from Prosper Bank was debited from my account as a payment for a loan I neither applied for, signed for, nor got any money for. I called the \" business '' and was told that it took two months for me to make money, so I should be calm. I was NOT calm. I called a number of times, but mostly never got an answer on the phone. Not the main number, nor the number she gave me that was a direct line to her. Well good, but she never answered it, and the voicemail was full. After almost two months of calling, I stopped getting any answer to any phone call. After two pmts were debited, I was frantic, and I looked up Prosper from the statement, and called them.\n\nThey said \" you didn't sign for the loan? '' But no big deal. But when I said I had not applied for a loan, I didn't even know who they were, I had to look them up on XXXX, that's when I got a reaction. \" YOU did not apply for this loan, at all? '' That was something to them. They need to know who they are dealing with in the future. That is a definite hole in their procedures. \n\nIn any case, they sent me a letter telling me that they were not responsible for what I did with the money once it went to my account. Definitely, they were not responsible. My thought was that while they had a hole in their online business practices, they were not the ones who stole the money. A player in it. But not the main one. \n\nI called a credit repair company I had used in the past. I told them the story to see if they could tell me what to do. Then I did what they said. I felt so awful about this, so terrible I can't tell you. And I still do. Being taken like that. So XXXX, XXXX, XXXX! I called the police. Then I went to the bank. They closed my account essentially, and opened a new one. I kept repeating that I would NEVER EVER do anything like that again!\n\nSo many mistakes were made after that. I forgot to change my automatic drafts for the bills to the new account, and all those were returned. Even two that I identified for XXXX  XXXX XXXX, who took money from my new account to pay those auto drafts. But they didn't pay them. So fees .... Whatever. I was so confused, I paid other bills, not realizing they were coming out of the old account. Anyway, I have spent so much time and energy and money on this, it's crazy. Not to mention how BAD I felt,, and the lack of funds to do anything with. \n\nThe only documents I have are the deposit and withdrawal, the same day, from my checking account. The Deposit from Prosper electronically, which has some numbers on it. The check that this company used. It almost LOOKS like a check from my account and it is near the order of the numbers of the checks. But in place of my signature is typed in : SIGNATURE NOT REQUIRED. Your depositor has authorized this payment to payee. Payee to hold you harmless for this document. This document shall be deposited only to the credit of the payee. AND, the Payee is typed in as XXXX XXXX XXXX XXXX XXXX, XXXX. The endorsement on the back is hand written : for deposit only ... And the account number XXXX. \n\nIs there any where that has me personally involved? No. And the loan is for {$7100.00}. So, {$120.00} extra was deposited, that must be paid back to Prosper, and they need to return the two loan payments to me. I really hope that someone gets the real criminals to pay back the money 's they took. \n\nI don't know how this will turn out, but I don't get that much in SSD in 3 months. The loan was applied for on XX/XX/19, and proceeds were advanced XX/XX/19, a Friday The proceeds were taken out on XX/XX/19, the next Monday.. I didn't notice the advancement of the proceeds. But I doubt I could have stopped the check withdrawal, anyway.","date_sent_to_company":"2019-09-10T00:26:14.000Z","issue":"Incorrect information on your report","sub_product":"Installment loan","zip_code":"29464","tags":"Older American","has_narrative":true,"complaint_id":"3368961","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Prosper Marketplace, Inc.","date_received":"2019-09-09T21:06:52.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I have evidently been a victim of <em>identity</em> <em>theft</em> and fraud. I was called by a woman, the caller ID said she was from XXXX XXXX XXXX , XXXX. Apparently these people can change the name on their phone number. Because it WAS NOT a business remotely associated with XXXX. \n\nShe was very enthusiastic, and personable, and said that she believed we <em>could</em> do business. I listened to her, and I trust XXXX completely, as not a thing has ever gone wrong that they did not fix immediately."]},"sort":[9.4506645,"3368961"]},{"_index":"complaint-public-v1","_id":"5134125","_score":8.755837,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"YOU ARE BREAKING THE LAW AND I AM GOING TO SEEK ARBITRATION TO RESOLVE THIS CLAIM. this is not a duplicate complaint. they did not resolve the complaint in a way that was favorable to me the consumer. I have in fact been treated unfairly and discriminated against by cash app block or square whatever they go as. \n\nim writing this complaint in regards to a response I received from block/square cashapp. I was a victim of phishing and identity theft, I have been getting these emails from cash app requiring me to do something to my account but when I opened the email they hacked my account. I informed cash app of this and I also read their guidelines for unauthorized transactions. They wrote me back accusing me the consumer of giving my information to someone which I did not. They are directly blaming me, discriminating against me and damaging my character/reputation. No results from this investigation was forwarded to me but they said they refuse to refund me my money because I gave my information out. This is a XXXX lie. why is this company lying on me? they took the time to lie and assassinate my character by calling me a liar. why would I go through the trouble of filing a complaint if I voluntarily gave someone my information. they are not even following the rules set up on this app I will inform my familyy friends and colleagues about the outrageous response I received when trying to address a fraudulent transaction. I will also post this on many blogs to inform and warn other of the abusive practices cash app has and encourage them to no long do business with them. They have discriminated against me, ignored my disputes and refused to return me any of my money. at first they lied and said the money didn't come from my cash app account. now in their. response they said it did and that I sent it? can they prove this? I am asking for someone to thoroughly investigate this matter. I intend on taking this matter to Arbitration so we can settle this claim if we can not reach a settlement that I agree with. \n\nhere are the rules on their website Tell us AT ONCE if you believe your XXXX XXXX ( including your card numbers ) has been lost or stolen, or if an electronic fund transfer has been made by logging in to your Account without your permission ( an Unauthorized Transaction ). \n\nYou may contact us through the Support tab of Cash App as described in the Error and Dispute Resolution section above, by calling XXXX, or by writing to us at XXXX XXXX XXXX, Attn : Cash Disputes, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. \n\nIf you tell us within 2 business days ( Monday through Friday, holidays not included ) after you learn of an Unauthorized Transaction, you can lose no more than {$50.00}. If you do NOT tell us within 2 business days after you learn of an Unauthorized Transaction, and we can prove we could have stopped someone from making an Unauthorized Transaction if you had told us, you could lose as much as {$500.00}. If your statement shows transfers that you did not make, including those made by card, code or other means, you must also tell us at once. If you do not tell us within 60 days of the date we sent you the first statement on which the Unauthorized Transaction appeared, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason ( such as a long trip or a hospital stay ) kept you from telling us, we will extend the time periods. If you have a XXXX for XXXX Account, you may be liable for all Unauthorized Transactions, regardless of when you report the activity to us. \n\nThe following are NOT considered Unauthorized Transactions : If you give someone access to your Account ( e.g. by giving them your login information ) and they use your Account without your knowledge or permission, unless you have notified us that transfers by that person are no longer authorized ; If you, or someone else with whom you are acting in concert, act with fraudulent intent ; or You reverse engineer or chargeback a transaction made with your XXXX XXXX. \nA misdirected payment, such as a payment that is sent to the wrong person, is an authorized payment, and will not be considered an Unauthorized Transaction. \n\nnothing listed under the \" not considered unauthorized transactions '' happened in my situation. this was done without my knowledge or permission. this transaction was fraudulent they are allowing scammers to profit big off of their platform due to their lack of security and accountability. I DID everything required for me to do as a consumer and they still laughed in my face. this situation has been very stressful. its awful that's these companies are involved with scammers and allow them to use their platform to profit and take advantage of others while they sit back and do nothing. they are telling me to contact the scammer but I have no information for that person. I do not know who scammed my account. Im sure the have the legal name for this person im asking them to turn this information over along with the results of their investigation that proves me as the consumer was liable for this transaction and did in fact give my information to someone. please have this notarized and sworn under the penalty of perjury in an affidavit of truth.","date_sent_to_company":"2022-01-21T09:31:01.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"30122","tags":null,"has_narrative":true,"complaint_id":"5134125","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2022-01-21T09:08:10.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I was a victim of phishing and <em>identity</em> <em>theft</em>, I have been getting these emails from cash app requiring me to do <em>something</em> to my account but when I opened the email they hacked my account. I informed cash app of this and I also read their guidelines for unauthorized transactions. They wrote me back accusing me the consumer of giving my information to someone which I did not. They are directly blaming me, discriminating against me and damaging my character/reputation."]},"sort":[8.755837,"5134125"]},{"_index":"complaint-public-v1","_id":"5015624","_score":8.541108,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To Whom This May Concern, I am writing this complaint with regard to a host of fraud, identity theft personally experienced by me with all of my XXXX XXXX XXXX Bank Accounts ( Savings/Checking both personal and business ). I have banked with XXXX for over 20 years. My Branch is located at XXXX XXXX XXXX XXXX in XXXX, NY XXXX. This complaint is regarding an outstanding issue remaining with my XXXX XXXX Card Account XXXX as well as with Lending Tree and XXXX who have both reported to the credit bureaus my payment delinquencies resulting from this identity theft and fraud on all my XXXX  Accounts transpired XX/XX/XXXX Police Report # XXXX XXXX Precinct # XXXX XXXX, NY. My payment delinquencies contain two very important issues, the first is that I had no idea that XXXX had reversed payments made prior to my identity theft on XX/XX/XXXX and secondly, I had been in contact with all my creditors every two weeks to explain my identity theft and inability to pay my debts temporarily since I had no access to any monies. ALL THE TRUTH. This continued until XX/XX/XXXX when I received a lump check from XXXX for all the accounts that had been frauded and stolen without any explanation as to how the sum was calculated. \nThis complaint is not directed to my branch but rather to XXXX XXXX XXXX response to a horrible situation all having everything to do with the security of XXXX XXXX XXXX as a banking institution. XXXX XXXX XXXX response to this Identity Theft/Fraud was so unsatisfactory and without any consequence while this incident almost ruined my personal credit that is undeserved. XXXX took their time, referred me to their executive team, had me call 127 times without one return call ( see attached for compliant numbers given and telephone numbers called ). As a consumer I was left with no financial resources for almost 4 months. Due to this one incident of identity theft and fraud, I have now suffered a reduction of over 150 points on my credit score and a relentless amount of letters and phone calls to advocate on my behalf, all left without any attention as if I personally am not important enough to matter and a too Bad attitude by all three credit bureaus, XXXX ( for my XXXX XXXX XXXX ) and Lending Tree all institutions were given all the facts and I remain punished for a situation that had nothing to do with me. XXXX unsatisfactory security caused this incident not me PERSONALLY. \nIf it were not for the excellent work and efforts of one of the branch employees, XXXX, I would have not been able to resolve any of this. I remain in adversity over one remaining XXXX XXXX XXXX with XXXX that after one year, the account closed and XXXX returned all my monies I had been paying to avoid additional credit score injury this was finally resolved in XXXX. On XX/XX/XXXX, I received the same XXXX Statement with billed charges all over again that I had been disputing for 11 months AGAIN. These charges I have never seen before- Attached. These charges total {$1300.00} all of which are not mine. This credit card was cut up XX/XX/XXXX when all my other debit cards and XXXX XXXX were closed as a result of Identity Theft and Fraud XX/XX/XXXX. This XXXX account is the only remaining problem. Resolve this incident has taken me almost a full year and I find I am still arguing to dispute with XXXX items that are not mine. \nThe XXXX Statement attached outlines charges that are at XXXX ( I have never in the history of having this XXXX XXXX ever shopped at XXXX and there has never been a charge from XXXX on this account or any of my XXXX Debit cards ), all the other charges XXXX and XXXX XXXX  are not my charges either. This Credit Card was not ever used by me since before XX/XX/XXXX. For 12 months I have not received a statement with any charges on it, only a balance without ever having success in resolving or knowing what it was I owed on this account. I have called the XXXX Customer Service, Fraud team, Dispute team from XXXX until today over 28 times, never being able to find out what charges I was billed for and never receiving any resolution, but I continued to pay monthly and went to my branch in XX/XX/XXXX for help. XXXX at the branch advocated for me, resolved the account and XXXX refunded me electronically in XX/XX/XXXX over {$690.00} dollars. In XXXX the entire mess started over again and XXXX was told there was nothing she could do. Fortunately XXXX was able to figure out who to escalate this again and here I am again. \nHere was the entire scenario of Identity Theft and Fraud I endured as follows : On XX/XX/XXXX sometime early in the morning all 6 of my bank accounts were hacked from my Bank at XXXX XXXX XXXX. All of my checking and savings including my direct deposited pay check from XX/XX/XXXX were transferred to some account I was never appraised of. From XX/XX/XXXX through the end of XX/XX/XXXX I had no money for gas, food or any of my bills. XXXX opened new accounts with temporary credits in XXXX ( around XX/XX/XXXX ) only to close them without notifying me at all on XX/XX/XXXX with no reason for closing my accounts and again I was not able to pay bills or have any money until I received a check for all my bank accounts on XX/XX/XXXX. The Check was a lump sum with absolutely no detail as to where the amount came from. I was never able to check to see what was stolen from all my accounts was reimbursed to me. The reason I was not able to confirm anything is that I had no online access to any of my accounts. I was also unaware that the payments I made automatically to my creditors from my checking accounts had been reversed. \nOn the morning of XX/XX/XXXX I went to the branch worked with Assistant Manager XXXX who showed me on the bank screen that my bills had been paid and taken out of my accounts on XX/XX/XXXX before the fraud/identity theft took place on the morning of XX/XX/XXXX. The payment to Lending Tree was posted as paid as well as to XXXX ( for my XXXX XXXX XXXX XXXX  ). I had returned to the branch on XXXX, XXXX, XXXX and XXXX to make sure again these automatic bills had in fact been paid, I was assured again by XXXX at the branch they were. Months later ( in XX/XX/XXXX when I received my funds from XXXX  in a check and I was able to open a new bank account with XXXX XXXX and at that time I was able to finally correct all my credit accounts and bills I had owed to be correct ). As a direct result of this incident my credit score decreased XXXX points and continues to decrease due to this Fraud and Identity Theft incident that was of no fault of my own. \nThe branch issued several escalations on my behalf, I was told by the branch to escalate this to the XXXX XXXX XXXX Escalation team. The Branch Staff is truly at a loss to assist as they called many many numbers for help and transfer and never are able to get the help they need to. Executive Office of XXXX was recommended by my branch to escalate this for me XXXX XXXX XXXX, Claims was originally called XX/XX/XXXX from the branch XXXX, I set up the claim XX/XX/XXXX was assigned XXXX who never returned my twice sometime three times a day calls to that number and I would get the receptionist XXXX on the phone who was also nice enough to help, but I was never contacted or spoken to at any time from XXXX through XX/XX/XXXX. XXXX had explained from the Executive Office that someone will call me back. After calling into the first week of XX/XX/XXXX I spoke to a XXXX XXXX Fax phone XXXX XXXX who told me to fax in this situation in writing which I did that day Referring to Case XXXX. I followed up at that same number every day through XX/XX/XXXX no return call, no written acknowledgment in the mail and during this entire period of time, no access by phone to discuss my accounts and no online access to anything along with no statements received by me in the mail from XX/XX/XXXX for any of bank accounts or charge cards, only XXXX statements with totals starting in XX/XX/XXXX without an explanation as to what the charges of the total were for and I was no allowed to find out what the total referred to by phone either. I returned to the branch who explained then that I was to reach out to call another number XXXX Option # XXXX to my case manager on the executive team XXXX, I called XX/XX/XXXX at XXXX, XX/XX/XXXX held for 2 hours without anyone getting on the phone and XX/XX/XXXX holding XXXX mins at XXXX when I as finally about to reach a Supervisor XXXX who assured me I would be contacted and my monies resolved and returned to me sometime by the next week. Again disappointed and it never happened. \nI am at a loss for how to resolve this, but this is not my charges and it is no right that XXXX XXXX XXXX is getting away with this and continuing to cause so much heartache to me personally and my family. \n\nMy branch told me they escalated this and I had received a call about the XXXX rebilled account I wrote out all the details as requested and Faxed it to my representative Wednesday XX/XX/XXXX because I was told I could only fax no mailing and the group that was now handling this can not be emailed. \n\nI am now calling to pay the monthly minimum which I was told last night is now {$90.00}. I paid spoke to XXXX  XXXX at XXXX XXXX as no one at the branch or the escalation team were able to tell me how to pay and if I needed to pay so I called was not able to get any information only pay and miss XXXX you are responsible for all these charges I dont know what to tell you but XXXX said dcall XXXX tomorrow, I did they were not able to speak to me, help in any way and did not have access to this account to dispute or note anything. I called my branch, XXXX, did not have the person, phone number or fax number for the escalation team she was able to reach out for on my behalf prior to XX/XX/XXXX and therefore I am again starting over like it is XX/XX/XXXX AGAIN. \nI need to resolve this, I also would like to make the Attorney General Aware that there is no report of any XXXX  financial history for me on my XXXX, XXXX or XXXXXXXX Account when I had these accounts for 20 years no it is all erased, why is that allowed? I had a XXXX  XXXX  Card I paid for years never late as well as this XXXX XXXX XXXX XXXX and all of their history and the accounts themselves completely removed from all my credit reports this month. \nLending Tree Account XXXX reports that my payment was late, I wrote all of this to Lending Tree without any result other than they have to report delinquencies. It was not delinquent, it was paid then rescinded by XXXX and I had no idea. XXXX never notified me, on the phone they were not able to discuss my account and Lending Tree did not notify me either so I had no idea this even happened and Lending Tree is relentless explaining they do not care. Also should be illegal to do that without considering the fraud and identity left and the reversal I was n ever notified by my bank even happened. \n\nSame situation with XXXX for my XXXX XXXX card, I called them every two weeks to update and was soon as I had funds finally returned in XXXX from XXXX I paid them in full, they were written to all outlined and they did not care either. \nSeems highly unfair and unjust to have a consumer who was criminally taken advantage of be punished for a situation that was not in that individuals control and further disgusting that the credit bureaus work this way as well as Lending Tree, XXXX XXXX and XXXX. Once I am finished with Lending Tree I will never use them again for any reason and same with XXXX. \n\nKindly provide any assistance possible. I have truly had it with this and it is so unfair I remain in this tenuous position because these banking institutions could care less. I might add this all happened during a pandemic when it is the time to help consumers not beat them up. It is just gross. I want this XXXX Account expunged finally and never want to see it again, I would like Lending Tree to correct their comments that are based on Fraud and Identity theft as well as XXXX I would like them to do the same thing so that my credit is restored. Crime is not something I should be punished for or have to fight for a year like this with all these awful institutions that dont care about their consumes. \n\nWarmest Regards, XXXX XXXX XXXX NY Lending Tree XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX account under XXXX for XXXX XXXX Account ( Have had account 26 years never late ) Acount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX","date_sent_to_company":"2021-12-16T17:48:39.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11768","tags":null,"has_narrative":true,"complaint_id":"5015624","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Home Loan Center, Inc.","date_received":"2021-12-16T17:48:32.000Z","state":"NY","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I want this XXXX Account expunged finally and never want to see it again, I would like Lending Tree to correct their comments that are based on Fraud and <em>Identity</em> <em>theft</em> as well as XXXX I would like them to do the same thing so that my credit is restored. Crime is not <em>something</em> I should be punished for or have to fight for a year like this with all these <em>awful</em> institutions that dont care about their consumes."]},"sort":[8.541108,"5015624"]},{"_index":"complaint-public-v1","_id":"5015632","_score":8.522301,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To Whom This May Concern, I am writing this complaint with regard to a host of fraud, identity theft personally experienced by me with all of my XXXX XXXX XXXX Bank Accounts ( Savings/Checking both personal and business ). I have banked with XXXX for over 20 years. My Branch is located at XXXX XXXX XXXX XXXX in XXXX, NY XXXX. This complaint is regarding an outstanding issue remaining with my XXXX XXXX Card Account XXXX as well as with XXXX XXXX and XXXX who have both reported to the credit bureaus my payment delinquencies resulting from this identity theft and fraud on all my XXXX Accounts transpired XX/XX/XXXX Police Report # XXXX XXXX  Precinct # XXXX XXXX, NY. My payment delinquencies contain two very important issues, the first is that I had no idea that XXXX had reversed payments made prior to my identity theft on XX/XX/XXXX and secondly, I had been in contact with all my creditors every two weeks to explain my identity theft and inability to pay my debts temporarily since I had no access to any monies. ALL THE TRUTH. This continued until XX/XX/XXXX when I received a lump check from XXXX for all the accounts that had been frauded and stolen without any explanation as to how the sum was calculated. \nThis complaint is not directed to my branch but rather to XXXX XXXX XXXX response to a horrible situation all having everything to do with the security of XXXX XXXX XXXX as a banking institution. XXXX XXXX XXXX response to this Identity Theft/Fraud was so unsatisfactory and without any consequence while this incident almost ruined my personal credit that is undeserved. XXXX took their time, referred me to their executive team, had me call 127 times without one return call ( see attached for compliant numbers given and telephone numbers called ). As a consumer I was left with no financial resources for almost 4 months. Due to this one incident of identity theft and fraud, I have now suffered a reduction of over 150 points on my credit score and a relentless amount of letters and phone calls to advocate on my behalf, all left without any attention as if I personally am not important enough to matter and a too Bad attitude by all three credit bureaus, XXXX ( for my XXXX XXXX XXXX ) and XXXX XXXX all institutions were given all the facts and I remain punished for a situation that had nothing to do with me. XXXX unsatisfactory security caused this incident not me PERSONALLY. \nIf it were not for the excellent work and efforts of one of the branch employees, XXXX, I would have not been able to resolve any of this. I remain in adversity over one remaining XXXX Charge Card with XXXX  that after one year, the account closed and XXXX returned all my monies I had been paying to avoid additional credit score injury this was finally resolved in XXXX. On XX/XX/XXXX, I received the same XXXX Statement with billed charges all over again that I had been disputing for 11 months AGAIN. These charges I have never seen before- Attached. These charges total {$1300.00} all of which are not mine. This credit card was cut up XX/XX/XXXX when all my other debit cards and XXXX XXXX were closed as a result of Identity Theft and XXXX XX/XX/XXXX. This XXXX account is the only remaining problem. Resolve this incident has taken me almost a full year and I find I am still arguing to dispute with XXXX items that are not mine. \nThe XXXX Statement attached outlines charges that are at XXXX ( I have never in the history of having this XXXX XXXX ever shopped at XXXX and there has never been a charge from XXXX on this account or any of my XXXX XXXX cards ), all the other charges XXXX and XXXX XXXX are not my charges either. This Credit Card was not ever used by me since before XX/XX/XXXX. For 12 months I have not received a statement with any charges on it, only a balance without ever having success in resolving or knowing what it was I owed on this account. I have called the XXXX Customer Service, Fraud team, Dispute team from XXXX until today over 28 times, never being able to find out what charges I was billed for and never receiving any resolution, but I continued to pay monthly and went to my branch in XX/XX/XXXX for help. XXXX at the branch advocated for me, resolved the account and XXXX refunded me electronically in XX/XX/XXXX over {$690.00} dollars. In XXXX the entire mess started over again and XXXX was told there was nothing she could do. Fortunately XXXX was able to figure out who to escalate this again and here I am again. \nHere was the entire scenario of Identity Theft and Fraud I endured as follows : On XX/XX/XXXX sometime early in the morning all XXXX of my bank accounts were hacked from my Bank at XXXX XXXX XXXX. All of my checking and savings including my direct deposited pay check from XX/XX/XXXX were transferred to some account I was never appraised of. From XX/XX/XXXX through the end of XX/XX/XXXX I had no money for gas, food or any of my bills. XXXX opened new accounts with temporary credits in XXXX ( around XX/XX/XXXX ) only to close them without notifying me at all on XX/XX/XXXX with no reason for closing my accounts and again I was not able to pay bills or have any money until I received a check for all my bank accounts on XX/XX/XXXX. The Check was a lump sum with absolutely no detail as to where the amount came from. I was never able to check to see what was stolen from all my accounts was reimbursed to me. The reason I was not able to confirm anything is that I had no online access to any of my accounts. I was also unaware that the payments I made automatically to my creditors from my checking accounts had been reversed. \nOn the morning of XX/XX/XXXX I went to the branch worked with Assistant Manager XXXX who showed me on the bank screen that my bills had been paid and taken out of my accounts on XX/XX/XXXX before the fraud/identity theft took place on the morning of XX/XX/XXXX. The payment to XXXX XXXX was posted as paid as well as to XXXX ( for my XXXX XXXX XXXX XXXX  ). I had returned to the branch on XXXX, XXXX, XXXX and XXXX to make sure again these automatic bills had in fact been paid, I was assured again by XXXX at the branch they were. Months later ( in XX/XX/XXXX when I received my funds from XXXX  in a check and I was able to open a new bank account with XXXX XXXX and at that time I was able to finally correct all my credit accounts and bills I had owed to be correct ). As a direct result of this incident my credit score decreased XXXX points and continues to decrease due to this Fraud and Identity Theft incident that was of no fault of my own. \nThe branch issued several escalations on my behalf, I was told by the branch to escalate this to the XXXX XXXX XXXX Escalation team. The Branch Staff is truly at a loss to assist as they called many many numbers for help and transfer and never are able to get the help they need to. Executive Office of XXXX was recommended by my branch to escalate this for me XXXX XXXX XXXX, Claims was originally called XX/XX/XXXX from the branch XXXX, I set up the claim XX/XX/XXXX was assigned XXXX who never returned my twice sometime three times a day calls to that number and I would get the receptionist XXXX on the phone who was also nice enough to help, but I was never contacted or spoken to at any time from XXXX through XX/XX/XXXX. XXXX had explained from the Executive Office that someone will call me back. After calling into the first week of XX/XX/XXXX I spoke to a XXXX XXXX Fax phone XXXX XXXX who told me to fax in this situation in writing which I did that day Referring to Case XXXX. I followed up at that same number every day through XX/XX/XXXX no return call, no written acknowledgment in the mail and during this entire period of time, no access by phone to discuss my accounts and no online access to anything along with no statements received by me in the mail from XX/XX/XXXX for any of bank accounts or charge cards, only XXXX statements with totals starting in XX/XX/XXXX without an explanation as to what the charges of the total were for and I was no allowed to find out what the total referred to by phone either. I returned to the branch who explained then that I was to reach out to call another number XXXX Option # XXXX to my case manager on the executive team XXXX, I called XX/XX/XXXX at XXXX, XX/XX/XXXX held for 2 hours without anyone getting on the phone and XX/XX/XXXX holding XXXX mins at XXXX when I as finally about to reach a Supervisor XXXX who assured me I would be contacted and my monies resolved and returned to me sometime by the next week. Again disappointed and it never happened. \nI am at a loss for how to resolve this, but this is not my charges and it is no right that XXXX XXXX XXXX is getting away with this and continuing to cause so much heartache to me personally and my family. \n\nMy branch told me they escalated this and I had received a call about the XXXX rebilled account I wrote out all the details as requested and Faxed it to my representative Wednesday XX/XX/XXXX because I was told I could only fax no mailing and the group that was now handling this can not be emailed. \n\nI am now calling to pay the monthly minimum which I was told last night is now {$90.00}. I paid spoke to XXXX  XXXX at XXXX XXXX as no one at the branch or the escalation team were able to tell me how to pay and if I needed to pay so I called was not able to get any information only pay and miss XXXX you are responsible for all these charges I dont know what to tell you but XXXX  said XXXX XXXX tomorrow, I did they were not able to speak to me, help in any way and did not have access to this account to dispute or note anything. I called my branch, XXXX, did not have the person, phone number or fax number for the escalation team she was able to reach out for on my behalf prior to XX/XX/XXXX and therefore I am again starting over like it is XX/XX/XXXX AGAIN. \nI need to resolve this, I also would like to make the Attorney General Aware that there is no report of any XXXX  financial history for me on my Equifax, XXXX or XXXX  Account when I had these accounts for 20 years no it is all erased, why is that allowed? I had a XXXX  XXXX  Card I paid for years never late as well as this XXXX XXXX XXXX XXXX and all of their history and the accounts themselves completely removed from all my credit reports this month. \nXXXX XXXX Account XXXX reports that my payment was late, I wrote all of this to XXXX XXXX without any result other than they have to report delinquencies. It was not delinquent, it was paid then rescinded by XXXX and I had no idea. XXXX never notified me, on the phone they were not able to discuss my account and XXXX XXXX did not notify me either so I had no idea this even happened and XXXX XXXX is relentless explaining they do not care. Also should be illegal to do that without considering the fraud and identity left and the reversal I was n ever notified by my bank even happened. \n\nSame situation with XXXX for my XXXX XXXX card, I called them every two weeks to update and was soon as I had funds finally returned in XXXX from XXXX I paid them in full, they were written to all outlined and they did not care either. \nSeems highly unfair and unjust to have a consumer who was criminally taken advantage of be punished for a situation that was not in that individuals control and further disgusting that the credit bureaus work this way as well as XXXX XXXX, XXXX XXXX and XXXX. Once I am finished with XXXX XXXX I will never use them again for any reason and same with XXXX. \n\nKindly provide any assistance possible. I have truly had it with this and it is so unfair I remain in this tenuous position because these banking institutions could care less. I might add this all happened during a pandemic when it is the time to help consumers not beat them up. It is just gross. I want this XXXX Account expunged finally and never want to see it again, I would like XXXX XXXX to correct their comments that are based on Fraud and Identity theft as well as XXXX I would like them to do the same thing so that my credit is restored. Crime is not something I should be punished for or have to fight for a year like this with all these awful institutions that dont care about their consumes. \n\nWarmest Regards, Consumer XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX account under XXXX for XXXX XXXX Account ( Have had account 26 years never late ) Acount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX","date_sent_to_company":"2021-12-16T17:48:39.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11768","tags":null,"has_narrative":true,"complaint_id":"5015632","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-12-16T17:48:32.000Z","state":"NY","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I want this XXXX Account expunged finally and never want to see it again, I would like XXXX XXXX to correct their comments that are based on Fraud and <em>Identity</em> <em>theft</em> as well as XXXX I would like them to do the same thing so that my credit is restored. Crime is not <em>something</em> I should be punished for or have to fight for a year like this with all these <em>awful</em> institutions that dont care about their consumes."]},"sort":[8.522301,"5015632"]},{"_index":"complaint-public-v1","_id":"5016192","_score":8.512931,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To Whom This May Concern, I am writing this complaint with regard to a host of fraud, identity theft personally experienced by me with all of my JP Morgan Chase Bank Accounts ( Savings/Checking both personal and business ). I have banked with Chase for over 20 years. My Branch is located at XXXX XXXX XXXX XXXX in XXXX, NY XXXX. This complaint is regarding an outstanding issue remaining with my Chase XXXX  Card Account XXXX as well as with XXXX XXXX and XXXX who have both reported to the credit bureaus my payment delinquencies resulting from this identity theft and fraud on all my Chase Accounts transpired XX/XX/XXXX Police Report # XXXX XXXX Precinct # XXXX XXXX, NY. My payment delinquencies contain two very important issues, the first is that I had no idea that Chase had reversed payments made prior to my identity theft on XX/XX/XXXX and secondly, I had been in contact with all my creditors every two weeks to explain my identity theft and inability to pay my debts temporarily since I had no access to any monies. ALL THE TRUTH. This continued until XX/XX/XXXX when I received a lump check from Chase for all the accounts that had been frauded and stolen without any explanation as to how the sum was calculated. \nThis complaint is not directed to my branch but rather to JP Morgan Chases response to a horrible situation all having everything to do with the security of JP Morgan Chase as a banking institution. JP Morgan Chases response to this Identity Theft/Fraud was so unsatisfactory and without any consequence while this incident almost ruined my personal credit that is undeserved. Chase took their time, referred me to their executive team, had me call 127 times without one return call ( see attached for compliant numbers given and telephone numbers called ). As a consumer I was left with no financial resources for almost 4 months. Due to this one incident of identity theft and fraud, I have now suffered a reduction of over 150 points on my credit score and a relentless amount of letters and phone calls to advocate on my behalf, all left without any attention as if I personally am not important enough to matter and a too Bad attitude by all three credit bureaus, XXXX ( for my XXXX XXXX XXXX ) and XXXX XXXX all institutions were given all the facts and I remain punished for a situation that had nothing to do with me. CHASES unsatisfactory security caused this incident not me PERSONALLY. \nIf it were not for the excellent work and efforts of one of the branch employees, XXXX, I would have not been able to resolve any of this. I remain in adversity over one remaining XXXX XXXX XXXX with Chase that after one year, the account closed and Chase returned all my monies I had been paying to avoid additional credit score injury this was finally resolved in XXXX. On XX/XX/XXXX, I received the same XXXX Statement with billed charges all over again that I had been disputing for 11 months AGAIN. These charges I have never seen before- Attached. These charges total {$1300.00} all of which are not mine. This credit card was cut up XX/XX/XXXX when all my other debit cards and XXXX XXXX were closed as a result of Identity Theft and Fraud XX/XX/XXXX. This XXXX account is the only remaining problem. Resolve this incident has taken me almost a full year and I find I am still arguing to dispute with Chase items that are not mine. \nThe XXXX Statement attached outlines charges that are at XXXX ( I have never in the history of having this XXXX XXXX ever shopped at XXXX and there has never been a charge from XXXX on this account or any of my Chase Debit cards ), all the other charges XXXX and XXXX XXXX are not my charges either. This Credit Card was not ever used by me since before XX/XX/XXXX. For 12 months I have not received a statement with any charges on it, only a balance without ever having success in resolving or knowing what it was I owed on this account. I have called the XXXX Customer Service, Fraud team, Dispute team from XXXX until today over 28 times, never being able to find out what charges I was billed for and never receiving any resolution, but I continued to pay monthly and went to my branch in XX/XX/XXXX for help. XXXX at the branch advocated for me, resolved the account and Chase refunded me electronically in XX/XX/XXXX over {$690.00} dollars. In XXXX the entire mess started over again and XXXX was told there was nothing she could do. Fortunately XXXX was able to figure out who to escalate this again and here I am again. \nHere was the entire scenario of Identity Theft and Fraud I endured as follows : On XX/XX/XXXX sometime early in the morning all 6 of my bank accounts were hacked from my Bank at JP Morgan Chase. All of my checking and savings including my direct deposited pay check from XX/XX/XXXX were transferred to some account I was never appraised of. From XX/XX/XXXX through the end of XX/XX/XXXX I had no money for gas, food or any of my bills. Chase opened new accounts with temporary credits in XXXX ( around XX/XX/XXXX ) only to close them without notifying me at all on XX/XX/XXXX with no reason for closing my accounts and again I was not able to pay bills or have any money until I received a check for all my bank accounts on XX/XX/XXXX. The Check was a lump sum with absolutely no detail as to where the amount came from. I was never able to check to see what was stolen from all my accounts was reimbursed to me. The reason I was not able to confirm anything is that I had no online access to any of my accounts. I was also unaware that the payments I made automatically to my creditors from my checking accounts had been reversed. \nOn the morning of XX/XX/XXXX I went to the branch worked with Assistant Manager XXXX who showed me on the bank screen that my bills had been paid and taken out of my accounts on XX/XX/XXXX before the fraud/identity theft took place on the morning of XX/XX/XXXX. The payment to XXXX XXXX was posted as paid as well as to XXXX ( for my XXXX XXXX Charge Account ). I had returned to the branch on XXXX, XXXX, XXXX and XXXX to make sure again these automatic bills had in fact been paid, I was assured again by XXXX at the branch they were. Months later ( in XX/XX/XXXX when I received my funds from Chase in a check and I was able to open a new bank account with XXXX XXXX and at that time I was able to finally correct all my credit accounts and bills I had owed to be correct ). As a direct result of this incident my credit score decreased XXXX  points and continues to decrease due to this Fraud and Identity Theft incident that was of no fault of my own. \nThe branch issued several escalations on my behalf, I was told by the branch to escalate this to the JP Morgan Chase Escalation team. The Branch Staff is truly at a loss to assist as they called many many numbers for help and transfer and never are able to get the help they need to. Executive Office of Chase was recommended by my branch to escalate this for me XXXX XXXX XXXX, Claims was originally called XX/XX/XXXX from the branch XXXX, I set up the claim XX/XX/XXXX was assigned XXXX who never returned my twice sometime three times a day calls to that number and I would get the receptionist XXXX on the phone who was also nice enough to help, but I was never contacted or spoken to at any time from XXXX through XX/XX/XXXX. XXXX had explained from the Executive Office that someone will call me back. After calling into the first week of XX/XX/XXXX I spoke to a XXXX XXXX Fax phone XXXX XXXX who told me to fax in this situation in writing which I did that day Referring to Case XXXX. I followed up at that same number every day through XX/XX/XXXX no return call, no written acknowledgment in the mail and during this entire period of time, no access by phone to discuss my accounts and no online access to anything along with no statements received by me in the mail from XX/XX/XXXX for any of bank accounts or charge cards, only XXXX statements with totals starting in XX/XX/XXXX without an explanation as to what the charges of the total were for and I was no allowed to find out what the total referred to by phone either. I returned to the branch who explained then that I was to reach out to call another number XXXX Option # XXXX to my case manager on the executive team XXXX, I called XX/XX/XXXX at XXXX, XX/XX/XXXX held for 2 hours without anyone getting on the phone and XX/XX/XXXX holding XXXX mins at XXXX when I as finally about to reach a Supervisor XXXX who assured me I would be contacted and my monies resolved and returned to me sometime by the next week. Again disappointed and it never happened. \nI am at a loss for how to resolve this, but this is not my charges and it is no right that JP Morgan Chase is getting away with this and continuing to cause so much heartache to me personally and my family. \n\nMy branch told me they escalated this and I had received a call about the XXXX rebilled account I wrote out all the details as requested and Faxed it to my representative Wednesday XX/XX/XXXX because I was told I could only fax no mailing and the group that was now handling this can not be emailed. \n\nI am now calling to pay the monthly minimum which I was told last night is now {$90.00}. I paid spoke to XXXX XXXX at XXXX XXXX as no one at the branch or the escalation team were able to tell me how to pay and if I needed to pay so I called was not able to get any information only pay and miss XXXX you are responsible for all these charges I dont know what to tell you but XXXX  said dcall XXXX tomorrow, I did they were not able to speak to me, help in any way and did not have access to this account to dispute or note anything. I called my branch, XXXX, did not have the person, phone number or fax number for the escalation team she was able to reach out for on my behalf prior to XX/XX/XXXX and therefore I am again starting over like it is XX/XX/XXXX AGAIN. \nI need to resolve this, I also would like to make the Attorney General Aware that there is no report of any chase financial history for me on my XXXX, XXXX or XXXX Account when I had these accounts for 20 years no it is all erased, why is that allowed? I had a XXXX Chase Card I paid for years never late as well as this Chase XXXX XXXX Card and all of their history and the accounts themselves completely removed from all my credit reports this month. \nXXXX XXXX Account XXXX reports that my payment was late, I wrote all of this to XXXX XXXX without any result other than they have to report delinquencies. It was not delinquent, it was paid then rescinded by Chase and I had no idea. Chase never notified me, on the phone they were not able to discuss my account and XXXX XXXX did not notify me either so I had no idea this even happened and XXXX XXXX is relentless explaining they do not care. Also should be illegal to do that without considering the fraud and identity left and the reversal I was n ever notified by my bank even happened. \n\nSame situation with XXXX for my XXXX XXXX card, I called them every two weeks to update and was soon as I had funds finally returned in XXXX from Chase I paid them in full, they were written to all outlined and they did not care either. \nSeems highly unfair and unjust to have a consumer who was criminally taken advantage of be punished for a situation that was not in that individuals control and further disgusting that the credit bureaus work this way as well as XXXX XXXX, JPMorgan Chase and XXXX. Once I am finished with XXXX XXXX I will never use them again for any reason and same with XXXX. \n\nKindly provide any assistance possible. I have truly had it with this and it is so unfair I remain in this tenuous position because these banking institutions could care less. I might add this all happened during a pandemic when it is the time to help consumers not beat them up. It is just gross. I want this XXXX Account expunged finally and never want to see it again, I would like XXXX XXXX to correct their comments that are based on Fraud and Identity theft as well as XXXX I would like them to do the same thing so that my credit is restored. Crime is not something I should be punished for or have to fight for a year like this with all these awful institutions that dont care about their consumes. \n\nWarmest Regards, XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX account under XXXX for XXXX XXXX Account ( Have had account 26 years never late ) Acount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX","date_sent_to_company":"2021-12-16T17:48:20.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11768","tags":null,"has_narrative":true,"complaint_id":"5016192","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-12-16T17:21:09.000Z","state":"NY","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I want this XXXX Account expunged finally and never want to see it again, I would like XXXX XXXX to correct their comments that are based on Fraud and <em>Identity</em> <em>theft</em> as well as XXXX I would like them to do the same thing so that my credit is restored. Crime is not <em>something</em> I should be punished for or have to fight for a year like this with all these <em>awful</em> institutions that dont care about their consumes."]},"sort":[8.512931,"5016192"]},{"_index":"complaint-public-v1","_id":"3454989","_score":7.052858,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"This is a \" scrubbed '' modified version of a Letter & Summary, that goes w/ Two Packets of  Documents w/ Notes. I am sending the entirety to Capital One by XX/XX/XXXX, but I think it's important for you to read exactly what I am sending them. \n\nTo Whom it may concern, On XX/XX/XXXX, I immediately notified Capital One on the discovery of a fraudulent charge. That evening, I attempted to notify XXXX XXXX of said charge. The next day, XX/XX/XXXX, after receiving a shipping alert from XXXX XXXX, I requested that they NOT deliver said item. I absolutely DID NOT receive the item in question, and nor did my wife ( who was working from home, and was waiting for the package to be delivered to our residence that day, XX/XX/XXXX ). On XX/XX/XXXX, I also filed a stolen package report with the XXXX XXXX XXXX, and in the early morning of XX/XX/XXXX ( eastern time ), I filed a Police Report with our local Police Department. \n\nI made a final payment for this account on XX/XX/XXXX. The payment reduced the total balance to {$2200.00}, due to the fraudulent transaction made on XX/XX/XXXX ( {$2200.00} from XXXX XXXX XXXX XXXX NY XXXX USA ). \n\nPer Capital One 's credit card policy, I am NOT liable for this unauthorized transaction. I am more than happy to continue to assist them in the investigation of this matter ( for example, I am currently working with a representative at XXXX XXXX, who has re-opened an investigation with XXXX, in order to return the money to Capital One ). Finally, my good credit is extremely important to me. Please ask them to not use this fraudulent purchase, or my refusal to pay said fraudulent purchase, to negatively affect my credit. Once they have received the information I've sent, and confirm its authenticity, please have them refund the outstanding balance. In addition to the previous request, after the balance has been adjusted, I've asked them to close both of my Capital One accounts per my requests. \n\nLastly, I want to draw Capital One 's attention to the Fair Credit Billing Act of 1975. Under the Fair Credit Billing Act of 1975 ; if I notify Capital One, the Financial Institution ( within the first 24 hours ) ; I am not liable for the loss of funds, created by the theft of my financial information, regardless of the manner in which the scheme is carried out. Nor am I liable for the loss of funds due to the fraudulent online activity, regardless of how successful the crime committed. I hope they can adhere to this law and allow me to close my accounts ( without conflict ). If they can not, I will file a report with the New York, New Jersey & Virginia State Attorney General Offices, as well as the XXXX XXXX XXXX. I've already filed a report with the Federal Bureau of Investigations Online Crimes Division, the Federal Trade Commission & now the Consumer Financial Protection Bureau. If needs be, I will also reach out to news outlets that specialize in shedding light on financial injustices. Finally, if all else fails to convince them of doing the right thing, I will be forced to take legal action. Its something I would prefer to avoid, but I will do what I must do to protect my rights as a responsible, law abiding citizen of the United States of America. \n\nI have documents available that will show ... \n\nI did NOT purchase said item, or authorize an agent to purchase said item ; I did everything I could to warn ALL parties involved of the fraudulent charge ; I did everything I could to STOP said item from being shipped ; I NEITHER received NOR signed for said item & NEITHER did my wife ; I attempted to get information that would lead to the arrest of the thief. \n\nMore specifically, I have the following documents available for use ... \n\ndocuments that prove the signature provided for delivery of said item is fraudulent ; documents that prove I couldnt have been physically present to accept delivery documents that prove my wife wasnt given the opportunity to accept delivery documents that prove my email was indeed compromised at the time of this theft ; copies of credit statements that show an orderly well-adjusted credit history ; documents that prove our Chase card was also compromised at time of this theft ; a copy of the Fair Credit Billing Act of 1975 ; a copy of Capital Ones Credit Card User Agreement ; a copy of proof of final payment for my accounts ; a copy of the request to formally close both Capital One Credit accounts a copy of my license in case it is needed to close accounts ; documents that raise questions as to why this purchase did not raise alarm bells ; I've asked Capital One to please review the documents thoroughly and without bias. A lot of valuable time was spent to put it together. It is my hope, that with the information provided, they will see, I should not be held liable for the theft, and they will also see, how inadequate the Fraudulent claims systems are within Capital One, XXXX & XXXX XXXX. \n\nI thank you for your understanding and speedy response to this matter. \n\n\nSUMMARY OF EVENTS To Whom it may concern, On XX/XX/XXXX, at approximately XXXX XXXX   XXXX XXXX, I discovered a charge on my CAPITAL ONE account for {$2200.00} USD. Because I received an email from XXXX  at XXXX pacific time - to confirm the purchase made online [ see pg. 13-14 ] - Im assuming the charge was made around that time. The merchant was XXXX XXXX. Ive never purchased anything from XXXX in my life, let alone any product of this kind. I immediately contacted my wife to ask if she had made it [ see pg. 162 ]. She emphatically said, no. I promptly called the C.O. Fraud Department to report this charge [ see pg. 162 ]. They assured me the situation would be fixed, and that I had nothing to worry about when it came to be paying for the charge ( I wouldnt be held responsible for any unauthorized charges due to C.O.s {$0.00} Fraud Liability ). They then said the transaction would need to clear before an investigation could be opened, but in the meantime, they would lock my card and send me a new one as soon as possible. Because I am living/working on the west coast for a little while, I requested that C.O. representative send the new card ( as well as all future correspondence ) to my west coast address, NOT the permanent east coast address [ see pg. 34 ]. I left the conversation feeling uneasy about the apparent identity/credit theft, but confident that C.O. would take care of us.\n\nLater that evening, I realized my inbox had been inundated with unsolicited newsletters and emails [ see pg. 105 ]. These emails, sent by people/companies I had not heard of, were thanking me for my interest [ see pg. 112 ]. At this point, I was extremely worried someone had fully assumed my identity and was contacting merchants to purchase their goods. I decided it would be beneficial to reach out to XXXX immediately, and NOT wait for the transaction to clear [ see pg. 162 ]. Unfortunately, because it was XXXX on the east coast, the XXXX Customer Service Offices were closed. I spent the rest of that evening attempting to clean up my inbox and trying to focus on my work. \n\nThe next day, XX/XX/XXXX, at XXXX pacific time, I received an email alert from XXXX, alerting me that the item in question had been shipped. Unbeknownst to me, the thief had managed to commandeer my email, home address & credit card information, and had used that info to ship the {$2200.00} handbag ( overnight ), to MY ADDRESS on the east coast. Because I was at work related events, and fully expecting C.O. to void the initial charge, I was VERY confused when I saw the notice. On the next break, I went to contact XXXX, but again the offices were closed, and so I reached out to them in the only way that was available to me, email ( I contacted them through their website email system ). I never received an adequate response from their customer service department [ see pg.22-23 ]. Around the same time ( XXXX pacific time ), I received an email from XXXX welcoming me to my MyXXXX-Account [ see pg. 20 ]. Again, I was scared by someone doing things in my name, and immediately I went to XXXX website to reset the password in order to access the account [ see pg. 21 ].  Minutes later, I contacted my wife to make sure she would be working from home the next day. Because I was on the west coast ( and still am today ), I conveyed to her that it was VERY important for her to be there and accept the package from XXXX. She said she understood, and would be working from home anyways, and so we left it at that [ see pg. 162 ]. \n\nThe following day ( XX/XX/XXXX ), I anxiously awaited an update from XXXX, or a response from the XXXX. After not receiving an alert from either, I used the XXXX tracking number to get an update. The app said it had been delivered at XXXX eastern time and was signed for by MY LAST NAME [ see pg. XXXX ]. At XXXX pacific time, I again attempted to contact XXXX, and this time I was able to get someone on the phone. I told them what had happened, and they suggested I contact my Wife, as well as XXXX to get more information [ see pg. 163-164 I got off the phone with XXXX, and frantically called my Wife. I asked if she had accepted the handbag from XXXX [ see pg 163-164 ]? She told me she had been home all morning, and had neither seen, nor heard from XXXX. A few minutes later she texted me for more information regarding the delivery [ see pg. 159 ]. I went back to rehearsal for the next few hours. At XXXX pacific time, I both attempted to file an online claim with XXXX [ see pg. XXXX ] and contact them through their Customer Service Support telephone system as well [ see pg. XXXX ]. The rep said he would need to wait for the driver to return to the station before he could ask him any questions. He then said he would get back to me with more information and instructions later that night. The only information I received from XXXX, was an email, telling me that a person from my local package center will contact me within the hour. That I also needed to contact the merchant, and that they would need to do an investigation if the driver was unable to provide the necessary information [ see pg. XXXX ]. He never did. \n\nOn the early morning of XX/XX/XXXX ( eastern time ), my wife, received an alert from XXXX, asking if she had just attempted to purchase something from XXXX for {$290.00} USD [ see pg. XXXX ) ]? She texted back, no, so the purchase was declined. Based on both of our credit card woes, XXXX suggested we call the police and file a report. So, she called the police, and requested they come over. At this point I am REALLY freaked out. So much so, I purchased a very expensive, year-long policy with XXXX, and started the tedious job of locking down every bit of personal information I could. Later, that night, the Police Officers arrived at our apartment to interview the both of us. Quick reminder, Im on the west coast working, so with my wife holding me up in XXXX, I told the police everything I knew [ see pg.173-174 ]. She gave her info as well. We left it there, believing we had done everything we could do to report this to the appropriate authorities. \n\nLater that day, I again received an email from an unsolicited vendor [ see pg. 112 ]. This time though, I called the number listed in the signature key [ see pg. 173 ], and to my surprise, an actual person picked up. His name is XXXX XXXX XXXX XXXX XXXX XXXX and he is VP of Sales of the company. He was a little confused by my call, but I quickly told him who I was, and that my information had been stolen. I asked him if he had any other information, but he didnt seem to have much more than the emails provided in this packet. I got off the phone amazed and confused by the scope of this theft. Just to add a quick addendum to this part of the review I gave him a call this last week ( XX/XX/XXXX ), and he forwarded me the information he and his CTO pulled up from their servers, whatever data pertaining to the attempted impersonation, see the continued email chain herewith [ see pg. 174 ]. \n\nFast forward to XXXX. The stolen money had been returned to my account, and everything seemed like it was back to normal. However, on XX/XX/XXXX, I noticed the {$2200.00} charge had been placed back on my account. Extremely angry & confused by what I was seeing, I immediately called C.O. to find out was going on. After spending hours/days on the phone with C.O., XXXX & XXXX, this is what I found out ... \n\n1 ) C.O. essentially abdicates all investigative responsibility to the merchants & delivery services. What does that mean for consumers? It means, if either the merchant, or the delivery service doesnt do their due diligence in investigating the theft, C.O. wont try to find the truth on their own. So, because the thief shipped the XXXX bag to MY address, using MY information, and intercepted the XXXX Driver using MY last name to sign ( even though I am on the west coast & Ive never used my last name as a signature ), C.O. wont help. With thieves becoming more and more clever every day, and information becoming more and more accessible every year, C.O. has made its customers more vulnerable to being taken advantage of by criminals, and they refuse to acknowledge it. \n\n2 ) Just take a moment and appreciate the that XXXX alerted my wife to a {$290.00} charge from XXXX, and C.O. let a {$2200.00} charge from XXXX  go undetected .... is that what C.O. calls excellent security? I dont. I have statements available for the entirety of last year, take a look at them and tell me that a charge of that amount, shouldnt have set off alarm bells ... [ see pg. 179-220 ]. \n\n3 ) XXXX has awful customer service. After I was told they would reach out to the driver, after I was told they would have investigators come to our address for interviews, after I was told they would call me for more information, they did nothing. The extent of the investigation they undertook rendered the result, the package had been signed for & delivered. Thats it. They never called me for more information, never asked for the police report, never had the driver come back to speak with my wife, never checked past signatures against the one made, never asked the driver what the person looked like, whether it was a man or a woman, short or tall. They did NOTHING, and they refuse to reopen the case. XXXX is basing their decision off that report, and C.O. is basing their decision on XXXX. Nobody is taking responsibility, and I am being made to pay for everyones mistakes ( pun unfortunately intended ). Can you see the flaw in this system? I can. \n\n4 ) Once you trigger the refund process through C.O., XXXX has policies in place that, in effect, wash their hands of you. XXXX  has been helpful, but even they have policies in place that XXXX customers over in instances of credit theft. If you trigger the refund process through C.O., XXXX will NOT allow you to open an official investigation into the theft. So, by doing what C.O. asks customers to do, report the fraud and lock the card, we essentially shoot ourselves in the foot by giving full control to C.O. to find the truth. Unless your systems change, I dont believe C.O. deserves our trust. \n\nI just want to be clear. Ive been a loyal customer to CAPITAL ONE for 8 years. This very card, the one that was fraudulently charged, is the very first credit card I applied for ( first of two C.O. credit cards ). My wife and I have our savings account with them too. We have been faithful in our payments. Reported crime immediately once found. Weve always used security measures to protect our personal & financial information, and yet, despite all of that, C.O. has treated me with a great lack of empathy & very little respect. I just want to be clear. Ive now spent hours on the phone with CAPITAL ONE, XXXX XXXX & XXXX. Ive now worked hours gathering information to prove my wife and Is innocence. Ive spent large amounts of money to protect our identity from future theft. Ive wasted SO MUCH TIME working on this when I should have been working on the amazing career opportunity that earned. It has truly been a terrible experience for us. We put our trust in CAPITAL ONE, our credit issuer and our savings bank, and they failed us. Please make them make this right. Have them refund the amount stolen and fix their policies & procedures. Their customers depend on them to do right by them. \n\nI swear that this account is written to the best of my knowledge. I send it, with the utmost sincerity & truth. I hope that they will not only do right by me, but also do right by ALL their customers. They need to take a hard look at their standards & practices. They need serious reexamination.","date_sent_to_company":"2019-12-01T09:17:55.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"94102","tags":null,"has_narrative":true,"complaint_id":"3454989","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2019-12-01T08:47:33.000Z","state":"CA","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I left the conversation feeling uneasy about the apparent <em>identity</em>/credit <em>theft</em>, but confident that C.O. would take care of us.\n\nLater that evening, I realized my inbox had been inundated with unsolicited newsletters and emails [ see pg. 105 ]. These emails, sent by people/companies I had not heard of, were thanking me for my interest [ see pg. 112 ]. At this point, I was extremely worried someone had fully assumed my <em>identity</em> and was contacting merchants to purchase their goods."],"sub_issue":["Card was charged for <em>something</em> you did not purchase with the card"]},"sort":[7.052858,"3454989"]},{"_index":"complaint-public-v1","_id":"5824183","_score":4.876484,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Thursday XX/XX/XXXX, I received a text from a ( XXXX ) XXXX saying \" thanks for setting up a XXXX account '' I didn't notice this text until after my second text from same number stating- \" CHASE BANK | Did you attempt to use your card for {$850.00} at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Today reply YES or reply NO. msg & date rates apply. '' I replied no. Shortly after replying no, I get a phone call from an ( XXXX ) XXXX number. Any number I don't recognize I screen and wait for a voicemail so I can verify if I need to call the number back. They did not leave a XXXX so I didn't call back. I get another phone call and assume my bank is trying to contact me and I need to pick up because something odd is going on. I answer the phone a male answers saying his name is XXXX and he's calling from the fraud department of chase bank and is calling to verify if I made a purchase at supposed \" oil company '' in FL like the text that I received states. I told him no and that I already replied no on the text. he apologized that this is happening to me and said a lot of people are getting hacked right now and we need to create a new account to protect my money. He said well have to move my money through XXXX. I told him I have no idea what XXXX is, I don't have that and don't know how to use it, he said no worries, XXXX is linked to your account already and I can walk you through it. After a series of questions to \" verify '' my account he said my account must be under surveillance for at least 24 hours to watch for activity before we move on. He said we will call back at XXXX tomorrow to process my new account XX/XX/XXXX at XXXX he calls back and that's when he wires {$2000.00} to himself little did I know. My account had a set limit of XXXX and I couldn't do anything else, he said you'll have to call us back on tuesday when we're back open for business after the holiday and recreate new log ins and get me back into my new account. He said all money will be in this new account and will be transferred back over immediately. When I called Chase on tuesday they informed me that unfortunately that wasn't them, it was actually a scammer and they took {$2000.00} from me and I have to create a claim and a new account. I filed a claim with the guy from the claims department of chase. The male I spoke with was extremely rude with me on the phone and didn't show any compassion for my situation. He made the entire process worse. He then transfers me to a lady in another department to create my account number, new log ins, a verbal password, how to handle my identity theft issue since they also received that info. When being switched over to her, out of pure protection for my self, I asked her if she was with Chase bank, She replied very XXXX and mockingly, \" did you or did you not call Chase bank yourself '' I replied \" yes ma'am, I did but for my protection, I'm asking you if you're an employer for this - '' she cut me off and stated again. \" Did you or did you not call chase bank yourself? if so, then you're still speaking with chase, so did you or did you not? '' After her rude remark I just said okay can we just get this over with because at that point I felt I was being bullied not once, but now twice by another employee and this company obviously doesn't care about me or my situation. \nShe then credited my account the {$2000.00} and said this money can be removed if they deny my claim. I asked her why would it be denied since I was a victim of fraud. She was silent for a total of almost 2 minutes, I replied \" hello? why would I not get this back? '' She explained that I have a 50 % shot of getting my money back, chase bank will investigate the number from XXXX and track it to \" XXXX '' to retrieve money back. I thought to myself, well chase bank is an INSURED BANK, surly I would get my money back since anyone else who has been a victim of fraud has gotten their money back...?? I didn't want to ask her anymore questions, I just wanted off the phone because no matter what I said or asked she would just down play the situation or act like this wasn't a big deal and I was just an annoyance to her. \nI transferred this amount into my savings so nothing would happen to the {$2000.00} incase for some crazy reason they deny the claim. On Wednesday XX/XX/XXXX they removed this money from my account WITHOUT notice. I received no mail, no text, nor a phone call regarding this claim, I never got any updates from them either. Today ( XX/XX/XXXX ) at XXXX I received an email saying \" We have an update on your claim, when I clicked the link it just took me to my online account of checking and saving. I had to search for several minutes just to find any letters at all. I finally found the tab of \" news letters '' under 3 other different tabs that I had to click JUST to find this info. I found the letter that they sent 7 days before removing this money. I don't understand why there's such a lack of communication, compassion, and secrets? Why hide this letter so far into your customers account that no one even gets a notification or an EMAIL about the notification. The only reason I got this email is because is spent XXXX hours on the phone with Chase bank yesterday ( XX/XX/XXXX ) complaining about how awful this company is and that they never sent me ANY information. Whats even more crazy is that they never ONCE told me where I could find any news letters that they might send to me. No one from the local branch, online, fraud department, claims department or headquarters EVER explained how to find this info. \n\non ( XX/XX/XXXX ) I called the company after noticing that my account was NEGATIVE $ XXXX because of the \" Reversal ' of the {$2000.00} that was stolen from me. I was yet again transferred to another representative that explained why the claim was denied since I never received any information that I knew of. She proceeded to tell me that the transaction was authorized and the transaction was through XXXX so therefore we denied the claim. I was DEVASTATED, how can this company DENY the FRUAD that happened to me??? Not the mention the COUNTLESS amount of others who have gone through this. \nShe told me that there's nothing I can do with this claim anymore. She recommended that I call XXXX since this took place through XXXX, even though it was on my Chase bank account App or I could write a letter to Chase and send it to the claims department po box so they could reopen the claim and look further into this issue. I went ahead a filed a police report just to have proof this wasn't me because they don't believe im telling the truth. In order to have this claim reopen I have to have documents proving it wasn't me even though the address to where the money went is in FL and they even shared that information with me when I first filed the claim. The guy asked, did you spend this money in Fl, are you in Fl right now? Do you live in Fl. I replied no for all questions. \n\nWhen I try to contact XXXX, they don't even pick up. They just tell you to contact your bank. Ive XXXX  the fraud number for XXXX and their website says there's no fraud protection with XXXX. So I XXXX  who OWNS XXXX, turns out its the 7 most biggest banks in XXXX and Chase is one of them! How can this company who OWNS XXXX, not return my money to me?? This is absurd!! \n\nAfter more research about the Federal Law Regulation XXXX I decided to reach out to every company I can to send in complaints on this fraudulent company. They can't keep doing this to the American people. I have found COUNTLESS articles online about people who have unfortunately been scammed the same way I have!! The people who are being scammed are the same people who have bank accounts with the banks that OWNS XXXX!!! The most common scams are from XXXX  XXXX XXXX, XXXX XXXX and Chase banks. The ONLY bank who isn't giving money back to their customers and saying oh well, and \" we will never send you a code if we call you '' is CHASE BANK. XXXX  XXXX XXXX, and XXXX XXXX customers have received their money back but Chase bank REFUSES. I will attach several links of news articles of people getting scammed from Chase. The people who bank with Chase went to their local news station to spread the word about Chase ended up getting their money back AFTER the stories aired. I Have SEVERAL news reporters from different states gathering my story with Chase so that the word can spread the word about this scam and how to avoid it. I hope my story will protect others of their hard earned money that Chase is stealing. \n\nCited Sources Below : By : XXXX XXXX and XXXX XXXX \" Chase customer loses total of {$7000.00} in XXXX scam : Here 's what you need to know '' Posted on Friday, XX/XX/XXXX XXXX XXXX XXXXXXXX By : XXXX XXXX XXXX Chase Bank reimburses man {$12000.00} he lost in scam after XXXX inquiry '' Posted at XXXX AM, XXXX XXXX, XXXX and last updated XXXX AM, XX/XX/XXXX https : XXXX ByJennifer Surane \" US Senators Seek Crackdown on XXXX Amid Complaints of Fraud '' XX/XX/XXXX, XXXX PM XXXX XXXX : XXXX Author : XXXX XXXX ( XXXX ) \" XXXX XXXX had {$23000.00} stolen through XXXX payment app scam '' Published XXXX XXXX PM XXXX XX/XX/XXXX, XXXX : XXXX PM XXXX XX/XX/XXXX https : XXXX By XXXX XXXX and XXXX XXXX Published XX/XX/XXXX Updated XX/XX/XXXX \" When Customers Say Their Money Was Stolen on XXXX, Banks Often Refuse to Pay Federal law requires banks to reimburse customers for unauthorized electronic transfers, but they often refuse, stranding victims. XXXX XXXX XXXX XXXXXXXX I have attached XXXX pictures below. \nOne is the police report, one is the text from scammer with XXXX, XXXX is my letter that I got from chase. The first XXXX sent on XX/XX/XXXX was never notified to me. I didn't receive the same email that I received today ( XX/XX/XXXX ) notifying me of this denial like I did on the XXXX. The lady pic is the screen shot of the email that I received today regarding the \" notification on the update for my claim ''","date_sent_to_company":"2022-07-29T17:26:31.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"40503","tags":null,"has_narrative":true,"complaint_id":"5824183","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-07-29T15:32:20.000Z","state":"KY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["He then transfers me to a lady in another department to create my account number, new log ins, a verbal password, how to handle my <em>identity</em> <em>theft</em> issue since they also received that 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