{"took":294,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":313,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2751261","_score":15.374103,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Could not integrate capital one account to XXXX XXXX.","date_sent_to_company":"2017-12-10T19:39:19.000Z","issue":"Unexpected or other fees","sub_product":"Foreign currency exchange","zip_code":"119XX","tags":null,"has_narrative":true,"complaint_id":"2751261","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2017-12-10T19:34:57.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Could not <em>integrate</em> capital one account to XXXX XXXX."]},"sort":[15.374103,"2751261"]},{"_index":"complaint-public-v1","_id":"3692769","_score":15.239557,"_source":{"product":"Checking or savings account","complaint_what_happened":"PNC made changes that don't allow accessing of accounts. XXXX  integration broken!!","date_sent_to_company":"2020-06-10T12:11:09.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"22201","tags":null,"has_narrative":true,"complaint_id":"3692769","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2020-06-10T12:08:24.000Z","state":"VA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["XXXX  <em>integration</em> broken!!"]},"sort":[15.239557,"3692769"]},{"_index":"complaint-public-v1","_id":"3448468","_score":15.239557,"_source":{"product":"Checking or savings account","complaint_what_happened":"Santander doesnt work with 3 rd party integrators like XXXX and XXXX XXXX.","date_sent_to_company":"2019-12-03T22:48:14.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"02145","tags":null,"has_narrative":true,"complaint_id":"3448468","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER BANK, NATIONAL ASSOCIATION","date_received":"2019-11-23T22:22:38.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["Santander doesnt work with 3 rd party <em>integrators</em> like XXXX and XXXX XXXX."]},"sort":[15.239557,"3448468"]},{"_index":"complaint-public-v1","_id":"3756991","_score":15.028177,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"PNC Bank for some reason refuses to integrate with major apps for transferring funds such as XXXX and XXXX.","date_sent_to_company":"2020-07-22T04:22:11.000Z","issue":"Other service problem","sub_product":"Virtual currency","zip_code":"40014","tags":null,"has_narrative":true,"complaint_id":"3756991","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2020-07-22T00:18:16.000Z","state":"KY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["PNC Bank for some reason refuses to <em>integrate</em> with major apps for transferring funds such as XXXX and XXXX."]},"sort":[15.028177,"3756991"]},{"_index":"complaint-public-v1","_id":"10197974","_score":14.547603,"_source":{"product":"Mortgage","complaint_what_happened":"Lakeland Bank has been acquired by Provident bank. \n\nMy Home Mortgage was on a auto payment and scheduled to be fully paid off during the Lakeland to Provident integration- on XX/XX/year> XXXX month start. \n\nPayment has been posted but it still the loan shows me on\n\nPayment PAST Due. This can impact my credit score and hold my ability to get a new mortgage to purchase my next home.\n\nI have initiated several communications/complaints with Provident Bank but it has been over 10 days and still issue remain un-resolved.\n\nProvident Bank need to be held liable if I am not able to get my new mortgage and the mental stress it is causing me.\n\nThis is a mess up created by Provident Bank to Lakeland Bank takeover and incorrect integration of their software / accounts.","date_sent_to_company":"2024-09-21T22:13:27.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"07424","tags":null,"has_narrative":true,"complaint_id":"10197974","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PROVIDENT FINANCIAL SERVICES, INC.","date_received":"2024-09-21T21:41:19.000Z","state":"NJ","company_public_response":null,"sub_issue":"Payment process"},"highlight":{"complaint_what_happened":["This is a mess up created by Provident Bank to Lakeland Bank takeover and incorrect <em>integration</em> of their software / accounts."]},"sort":[14.547603,"10197974"]},{"_index":"complaint-public-v1","_id":"12427405","_score":14.090669,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dispute Notice Background Check Infraction via Checkr WebSDK Integration Date : XX/XX/2025 To Whom It May Concern, This letter serves as a formal dispute and technical infraction notice regarding the processing of my background check through Checkrs WebSDK integration. The submission and subsequent handling of identification data have resulted in a hardship and potential misclassification under the Fair Credit Reporting Act ( FCRA ). \nSummary : - Background check data submitted via Checkr WebSDK integration appears to have caused or\n\ncontributed to a hardship through : Misclassification or mismatch of identifying variables ( e.g., primary key unique key assignment ). Incorrect DMV record association based on out-of-state vs. in-state ID submission sequence. Improper mapping or timing of ID data + motor vehicle record ( MVR ) into Checkrs service backend, resulting in erroneous or delayed reporting.\n\nDetailed Points : 1. ID Submission Sequence : - ID information submitted was either incorrectly read or\ntagged via SDK variables, or improperly routed in\n\nCheckrs service backend based on sequence mismatch. 2. Variable Mapping Discrepancy : - SDK data payload or endpoint logic may have improperly mapped the candidate ID ( primary key ) against DMV record ( unique key ), potentially creating false infractions or service-level mismatches. \n3. Service-Level Infraction Creation : - The system or SDK created a new service infraction entry that was not initiated by candidate behavior but by SDK logic sequence failure. \n4. Timeline and FCRA Document Status Delay : - Resulting delays or errors in the delivery of FCRA-compliant documentation may have violated notification timelines, denying the candidate a fair opportunity to respond. \nRequested Actions : Full audit of ID/DMV variable mapping during SDK submission .\n\nClarification of primary-to-unique key assignment logic.\n\nExpedited dispute resolution and correction of any false infractions.\n\nReissuance of corrected FCRA report with timeline recalibration. \nDocumentation of technical fault logged against SDK version and employer integration account. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-03-11T15:41:06.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"27529","tags":null,"has_narrative":true,"complaint_id":"12427405","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Checkr, Inc","date_received":"2025-03-11T15:10:34.000Z","state":"NC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Documentation of technical fault logged against SDK version and employer <em>integration</em> account. \n\nSincerely, XXXX XXXX XXXX"]},"sort":[14.090669,"12427405"]},{"_index":"complaint-public-v1","_id":"10669550","_score":13.804054,"_source":{"product":"Credit card","complaint_what_happened":"Google XXXX  does not integrate with XXXX  products therefore a delay occurred affecting my credit history for XXXX  years. XXXX and Google the company expanded on this problem by making \" customers '' who need constant updating and can therefore not complete assigned work.","date_sent_to_company":"2024-11-03T17:12:45.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"Store credit card","zip_code":"10025","tags":null,"has_narrative":true,"complaint_id":"10669550","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Google Compare Credit Cards Inc.","date_received":"2024-11-03T17:06:10.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["Google XXXX  does not <em>integrate</em> with XXXX  products therefore a delay occurred affecting my credit history for XXXX  years. XXXX and Google the company expanded on this problem by making \" customers '' who need constant updating and can therefore not complete assigned work."]},"sort":[13.804054,"10669550"]},{"_index":"complaint-public-v1","_id":"11224357","_score":13.588833,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/year> we set up a payment processing account with XXXX  through our business XXXX XXXX account. This account is set up in XXXX. \n\nWe were never given access to our account in XXXX. \n\nWe were forced to request payment reports through email. First, we were informed they could not be provided. Eventually, they did send them but still did not grant access to our XXXX  account. \n\nIn XX/XX/year> the XXXX integration failed multiple times. We were no longer able to process customer refunds. This was extremely problematic. Each time it was resolved- the integration broke down again. \n\nXX/XX/year> we formally requested access to our XXXX  account. We were denied. We were told we would not be allowed to access our own customer data unless we cancelled our XXXX XXXX account. Other customers who have requested this informed us they were charged {$700.00} to access their payment data upon cancellation and were never provided access to it until that point.","date_sent_to_company":"2025-01-14T14:02:02.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"11224357","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-12-19T19:04:56.000Z","state":null,"company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["In XX/XX/year> the XXXX <em>integration</em> failed multiple times. We were no longer able to process customer refunds. This was extremely problematic. Each time it was resolved- the <em>integration</em> broke down again. \n\nXX/XX/year> we formally requested access to our XXXX  account. We were denied. We were told we would not be allowed to access our own customer data unless we cancelled our XXXX XXXX account."]},"sort":[13.588833,"11224357"]},{"_index":"complaint-public-v1","_id":"8473332","_score":13.571703,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I was trying to set up a XXXX XXXX account for my online store. While doing so, I saw an advertisement on XXXX around PayPal integration through the use of PayPal Payment Pro to accept payment through the selling platform on Turbify. Since I already had an existing XXXX old PayPal account that is used for transactions, I decided to integrate it directly. In fact, I called customer service ( Thursday ) who assured me that this would be fine and that integration would take 2-3 days. \n\nToday, to my shock, I got an email with the message that You cant use PayPal anymore. On the basis that my account is inconsistent with our ( PayPals ) User Agreement.Through this, they are no longer allowing me to purchase or receive money. In addition, they mentioned they are going to hold money in my balance for over 120 days. \n\nMy account manager, XXXX XXXX, who supposed to help me set up the account has since never responded. Despite me calling and emailing multiple times for updates, he never given an answer. Ive even called in to customer service directly multiples times, but no one has been able to provide an answer on why my account was essentially closed and why my funds would be held. XXXX representative even told me that my account was perfect, and that the reason for the account closure was confidential. I have since also filed an appeal, but this is a directly account my business operations.I want an answer on why my account is being restricted and the specific reasoning. I have been using PayPal, this account specifically, for over 18 years and its completely wild that they closed my account for no reason. I have also checked the terms of service and user agreement as specified, and nothing Ive done goes against their terms. \n\nReference number : XXXX","date_sent_to_company":"2024-03-05T04:49:47.000Z","issue":"Other service problem","sub_product":"Domestic (US) money transfer","zip_code":"91761","tags":null,"has_narrative":true,"complaint_id":"8473332","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2024-03-05T04:47:29.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["While doing so, I saw an advertisement on XXXX around PayPal <em>integration</em> through the use of PayPal Payment Pro to accept payment through the selling platform on Turbify. Since I already had an existing XXXX old PayPal account that is used for transactions, I decided to <em>integrate</em> it directly. In fact, I called customer service ( Thursday ) who assured me that this would be fine and that <em>integration</em> would take 2-3 days."]},"sort":[13.571703,"8473332"]},{"_index":"complaint-public-v1","_id":"20146078","_score":13.538322,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, XXXX XXXX transfers totaling approximately {$15000.00} were sent from my XXXX XXXX bank account through the XXXX integration. The transactions were for {$2800.00}, {$7000.00}, and {$5500.00} and were directed to a recipient listed as contract labor. \n\nShortly after the transfers were completed, I realized that the transactions were associated with a scam and immediately attempted to seek assistance to recover the funds. \n\nI contacted Novo bank to report the issue and requested help initiating a dispute or recovery. XXXX responded that because the transfers were processed through the XXXX integration, XXXX received the XXXX funds and executed the wire transfers. XXXX stated they were unable to assist further and advised that disputes must be handled directly through XXXX. \n\nI then contacted XXXX to report the fraudulent transactions and request a recall of the transfers and a fraud investigation. I requested that XXXX contact the receiving bank to attempt recovery of the funds. \n\nAt this time, the funds have not been recovered, and I am requesting assistance in ensuring that the appropriate investigation and recovery efforts are conducted regarding these transactions.","date_sent_to_company":"2026-03-19T12:26:31.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"78641","tags":null,"has_narrative":true,"complaint_id":"20146078","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Novo Platform Inc.","date_received":"2026-03-10T22:18:16.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["On XX/XX/year>, XXXX XXXX transfers totaling approximately {$15000.00} were sent from my XXXX XXXX bank account through the XXXX <em>integration</em>. The transactions were for {$2800.00}, {$7000.00}, and {$5500.00} and were directed to a recipient listed as contract labor. \n\nShortly after the transfers were completed, I realized that the transactions were associated with a scam and immediately attempted to seek assistance to recover the funds."]},"sort":[13.538322,"20146078"]},{"_index":"complaint-public-v1","_id":"3210850","_score":13.503494,"_source":{"product":"Student loan","complaint_what_happened":"I am entitled to a reimbursement of {$640.00} that was paid to XXXX Univeristy by my employer, the XXXX XXXX XXXX. XXXX received the credit voucher in XX/XX/2019. The bursar 's office noted the credit to my account on XXXX XX/XX/2019, then applied it to my account on XXXX XX/XX/2019, and released it for refund to Heartland XXXX  Integration on XXXX XX/XX/2019. I contacted Heartland XXXX   Integration today, XXXX XX/XX/2019, asking when they would release the money, and was told two different dates, the first date was they will process it on XX/XX/2019 then approve it on XX/XX/2019, and the second person said they might process it on XX/XX/2019, and maybe approve on it XX/XX/2019. This is ridiculous, I requested they release the fund today, and they stated NO. I need this money, and it should be illegal for any company to hold money that is legally not theirs for any length of time as an attempt earn interest on money that does not belong to them. I am requesting you investigate this company for holding money as an effort to generate interest at the expense of others.","date_sent_to_company":"2019-04-12T22:55:44.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"78108","tags":"Servicemember","has_narrative":true,"complaint_id":"3210850","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HEARTLAND PAYMENT SYSTEMS INC","date_received":"2019-04-12T22:29:43.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem with customer service"},"highlight":{"complaint_what_happened":["The bursar 's office noted the credit to my account on XXXX XX/XX/2019, then applied it to my account on XXXX XX/XX/2019, and released it for refund to Heartland XXXX  <em>Integration</em> on XXXX XX/XX/2019."]},"sort":[13.503494,"3210850"]},{"_index":"complaint-public-v1","_id":"7903775","_score":13.46254,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I'm a Bank of the west credit card customer. Which is now took over by BMO and I did have some balance on my credit card issues by Bank of the West with automatic payment. Which was stop on XX/XX/2023 due to BMO integration/technical issues. \nNow BMO is negatively reporting on my credit report.","date_sent_to_company":"2023-11-25T06:49:10.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"93933","tags":null,"has_narrative":true,"complaint_id":"7903775","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BMO BANK NATIONAL ASSOCIATION","date_received":"2023-11-25T06:29:50.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["Which was stop on XX/XX/2023 due to BMO <em>integration</em>/technical issues. \nNow BMO is negatively reporting on my credit report."]},"sort":[13.46254,"7903775"]},{"_index":"complaint-public-v1","_id":"11038676","_score":13.229979,"_source":{"product":"Debt collection","complaint_what_happened":"XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX contacted me to set up XXXX phone and integrate it with my customer management systems ( XXXX XXXX XXXX XXXX  ). I only needed and wanted 1 phone line- they required me to have 3 stating i can use one for fax, and one for general mailbox. XXXX advised it was XXXX XXXX per additional extension if i agree to 4 or $ XXXX per extension if i agree to 3. I chose 4. XXXX also advised XXXX XXXX integrates with XXXX XXXX XXXX XXXX  and he sent me XXXX videos as verification. XX/XX/XXXX the account was activated. I could not set up voicemail. no one would take my call. they made me only use an email chain and sent me \" how to '' which did not work. \" We are aiming for 100 % satisfaction, but if we fell short, please let us know! '' - I asked for help with integration as they promised i would have \" onboarding '' which would assist with that. The person who onboarded me said it was \" odd '' that it would not integrate with my salesforce and someone will look into it and get back to me. no one ever did. causing the phone system to not work as sold- the phone is supposed to ring... .find who the person is via my salesforce customer managment system, and populate that account on my screen -- -the only reason i went with XXXX. they could not get it integrated and they would not cancel the contract. now they are charging me {$4400.00} for something that was quoted at $ XXXX. I asked on XX/XX/XXXX to cancel and XX/XX/XXXX to cancel, XX/XX/XXXX to cancel, XX/XX/XXXX to cancel, XX/XX/XXXX to cancel, XX/XX/XXXX to cancel. They have since farmed a collection agent XXXX XXXX to contact me and he is threatening lawsuits. His email says Caine Weirner law firm. XXXX XXXX said he noted the account as refusal to pay and exhausted all efforts. He called once, and emailed once. I replied all times stating that his client - XXXX  XXXX  breached the contract when they promised their software would integrate with salesforce and it did not. Therefore, I requested cancellation several times. I have NEVER given out or used any of the phone numbers from that service. I tried to use the service a couple times and could not due to needing to set up voicemails for XXXX different lines and no one helping me with how to do that.These companies are getting away with fraud by misrepresenting their product and then billing me over {$4400.00} for something i never was able to use and tried to cancel the same month it was activated. So maybe one month i owe- MAYBE! To charge me {$4400.00} because their sales person lied verbally and a couple wrote it in their emails - I should not be responsible to pay anything. I tried to work this out with XXXX XXXX- who advised \" he is just sales. '' Then I tried to with their billing dept. Then i tried with their helpdesk. Their fake lawyers aka credit collection people send over snips of emails stating i agreed to things- then i reply with the conversation in its entirety and then the fake lawyer disappears. Then a month or two later a new fake lawyer calls and emails with the same nonsense. Oh i just realized a fake lawyer XXXX XXXX messaged me about balance being {$4200.00} - then XX/XX/XXXX a new fake lawyer XXXX XXXX messaged me saying pay {$4300.00} or else it will become a more expensive matter to resolve. Now the new fake lawyer, XXXX XXXX is being nasty and threatening legal remedies.","date_sent_to_company":"2024-12-05T21:25:56.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Telecommunications debt","zip_code":"33764","tags":null,"has_narrative":true,"complaint_id":"11038676","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAINE & WEINER COMPANY, INC.","date_received":"2024-12-05T20:27:39.000Z","state":"FL","company_public_response":null,"sub_issue":"Sued you without properly notifying you of lawsuit"},"highlight":{"complaint_what_happened":["XXXX also advised XXXX XXXX <em>integrates</em> with XXXX XXXX XXXX XXXX  and he sent me XXXX videos as verification. XX/XX/XXXX the account was activated. I could not set up voicemail. no one would take my call. they made me only use an email chain and sent me \" how to '' which did not work. \" We are aiming for 100 % satisfaction, but if we fell short, please let us know! '' - I asked for help with <em>integration</em> as they promised i would have \" onboarding '' which would assist with that."]},"sort":[13.229979,"11038676"]},{"_index":"complaint-public-v1","_id":"13946501","_score":13.103692,"_source":{"product":"Credit card","complaint_what_happened":"As an American Express customer, I booked a hotel through XXXX, a service Amex heavily promotes and integrates with. I trusted this platform due to its association with Amex. \n\nWhile trying to inquire about my booking through the XXXX app, I was connected to their AI chatbot. Without clearly indicating the consequences of the interaction, the bot canceled my reservation without my request or confirmation and without any human involvement. \n\nFollowing this, I was charged a $ XXXX cancellation fee, with XXXX claiming it was imposed by the hotel. However, after speaking directly with the hotel, I was informed that they did not charge any cancellation fee meaning XXXX ( and by extension, XXXX XXXX ) fabricated this fee and falsely attributed it to the property. \n\nThis incident : 1. Resulted in the loss of my confirmed reservation, 2. Forced me to reorganize my travel plans at the last minute and at additional cost, 3. And led to a false charge under deceptive pretenses. \n\nAmerican Express, by promoting and integrating with XXXX, is not simply a passive bystander they are actively encouraging customers to use a platform that engages in misleading and potentially fraudulent practices. The Amex brand implies safety, integrity, and customer protection. In this case, it led me into a system where none of those values were upheld.","date_sent_to_company":"2025-06-06T06:34:01.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"871XX","tags":null,"has_narrative":true,"complaint_id":"13946501","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-06-06T06:15:09.000Z","state":"NM","company_public_response":null,"sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["American Express, by promoting and <em>integrating</em> with XXXX, is not simply a passive bystander they are actively encouraging customers to use a platform that engages in misleading and potentially fraudulent practices. The Amex brand implies safety, integrity, and customer protection. In this case, it led me into a system where none of those values were upheld."]},"sort":[13.103692,"13946501"]},{"_index":"complaint-public-v1","_id":"2167287","_score":12.714161,"_source":{"product":"Credit reporting","complaint_what_happened":"When I view a \" XXXX '' report, I see XXXX conflicting records, which shows that these agencies do not actually know how to process or merge their data in a consistant way, and should not be trusted authorities. If the data could be soundly joined, we would not have XXXX separate commercial entities, and we would not get XXXX separate results. \n\nAs a consumer, I should not have to reconcile XXXX different systems, each which represents a massive company. Why should I have to inquire to each of these XXXX different businesses? They are just data integrator, and they each have their own programming systems and approaches to data integration. Yet, still none of the XXXX of them can agree upon basics facts about me, so if they ca n't do that, why would we trust them at all? \n\nThis XXXX reporting is the information that is trusted. But it should not be. The fact that these XXXX bureaus do n't give the same results shows that we can not trust their reports. I 've had online identity certification denied because XXXX of these bureaus published at some point that I am related to a person I do not know, and by their data, they think I should know her birth month ... But I do n't know her. She shares a last name with me, and she might know someone I know, so I can see that an over-reaching data-integration effort might think we are connected, but this is n't playing around - it 's not suggesting XXXX connections. This data aggregator is claiming to give valid information about finance and credit, and it is leading to restrictive practices regarding online identification. In this case, to get a wire transfer, I was told I either needed to know this person I did n't know, because XXXX of these data collectors said I should know them, or I would have to supply photo-copies of my social security card and driver 's license, just to assert my identity. Remember, this is because a data aggregator company put together my name with someone I do n't know. \n\nI should not have to lose my ability to sign for online services because the XXXX suite of companies does n't properly integrate data. And they should not be able to enjoy and continue to profit from the reputation that they are the only companies who are trusted. They give widely disparate accounts, so how are they still trusted, and how do they remain the ones who we rely upon for identity verification for credit reporting? Consumers should not be asked to reconcile the data when XXXX companies listed as authorities produce very different information from what we are told is the same data. Consumers should be able to say : Your data is wrong. Where did you get it, and how was it combined? Their representatives seem to be happy to say \" it 's just public data.. we 're just combining public data '' ... without realizing that they maybe do n't have great experts in charge of combining it, so wind up with very wrong combinations. And typical consumers would not know enough to be able to complain. But I do know that the data is being combined incorrectly, I have evidence of it, and this is a huge consumer issue.","date_sent_to_company":"2016-10-18T17:56:20.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"20874","tags":null,"has_narrative":true,"complaint_id":"2167287","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2016-10-18T17:56:19.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is not mine"},"highlight":{"complaint_what_happened":["They are just data <em>integrator</em>, and they each have their own programming systems and approaches to data <em>integration</em>. Yet, still none of the XXXX of them can agree upon basics facts about me, so if they ca n't do that, why would we trust them at all? \n\nThis XXXX reporting is the information that is trusted. But it should not be. The fact that these XXXX bureaus do n't give the same results shows that we can not trust their reports."]},"sort":[12.714161,"2167287"]},{"_index":"complaint-public-v1","_id":"3441191","_score":12.69062,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I initiated a transaction on XXXX website. They allowed XXXX to bill my credit card for a total of {$590.00} of which {$170.00} itemized as \" Integration Additional Costs ''. \n\nI called XXXX and XXXX to find out what these charges actually represented and I was told both by XXXX and XXXX XXXX ( XXXX : Supervisor ( XXXX ) XXXX ) that they could not account for or identify those charges and that it was perfectly ok for me to request that the charges {$170.00} be removed by Chase. \n\nUnfortunately, even after talking ( conferencing the call ) with both XXXX ( XXXX : Supervisor ( XXXX ) XXXX ) and XXXX, XXXX, XXXX, XXXX, XXXX ( Chase Fraud Dept. ), XXXX, XXXX and XXXX from Chase Dispute Dept and XXXX ( Account Supervisor from the Chase Dispute Dept. ) none of them would remove those charges from my credit card. \n\nMaybe XXXX and XXXX are charging many customers these charges only to be told by their cc issuers that that can not be removed. \n\nXXXX from XXXX ( ( XXXX ) XXXX ) has no idea of where these charges came from : ( Integration Additional Costs, ( FIN, SER, RES, DAM : {$170.00} ) XXXX from XXXX spoke to XXXX : Supervisor ( XXXX ) XXXX ) from XXXX and verified that these are Not legitimate charges and should be removed from my credit card.","date_sent_to_company":"2019-11-17T21:09:54.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"93010","tags":null,"has_narrative":true,"complaint_id":"3441191","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-11-17T20:26:57.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["XXXX from XXXX ( ( XXXX ) XXXX ) has no idea of where these charges came from : ( <em>Integration</em> Additional Costs, ( FIN, SER, RES, DAM : {$170.00} ) XXXX from XXXX spoke to XXXX : Supervisor ( XXXX ) XXXX ) from XXXX and verified that these are Not legitimate charges and should be removed from my credit card."]},"sort":[12.69062,"3441191"]},{"_index":"complaint-public-v1","_id":"11280483","_score":12.582999,"_source":{"product":"Credit card","complaint_what_happened":"Using a Bank of America credit card, I purchased services to be provided over a 12-month period from XXXX on XX/XX/year> for {$3900.00} as documented in an Enrollment Form. XXXX added an \" integration fee '' of {$300.00} and a \" carrier registration fee '' of {$50.00}, bringing the total to {$4000.00} and invoiced and charged my credit card for {$4200.00} which included sales tax of {$240.00}. As I live in Delaware which has no sales tax, I asked that the amount of sales tax be refunded which XXXX stated it could not be refunded as a separate transaction but instead they would charge my credit card the correct amount of {$4000.00} and then refund the improper {$4200.00} in a separate transaction. The refund was not forthcoming despite my several requests to XXXX. On XX/XX/XXXX, I brought the dispute to the attention of Bank of America and then followed-up with numerous phone calls with BofA explaining the situation and providing documents, receiving form letters stating the matter was being investigating, and then rejecting the claim with a form nonsensical letter, only to begin the process again. Now BofA has taken no action and claims we are beyond the \" statute of limitations '' for righting a wrong. In the interim has delivered no services and conceded XXXX can not provide the services promised due to staff turnover and failure to complete software integrations XXXX claimed it had. At this point, I am out {$8500.00} and have wasted much time.","date_sent_to_company":"2024-12-26T18:18:51.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"19958","tags":null,"has_narrative":true,"complaint_id":"11280483","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-12-26T17:39:28.000Z","state":"DE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Overcharged for something you did purchase with the card"},"highlight":{"complaint_what_happened":["XXXX added an \" <em>integration</em> fee '' of {$300.00} and a \" carrier registration fee '' of {$50.00}, bringing the total to {$4000.00} and invoiced and charged my credit card for {$4200.00} which included sales tax of {$240.00}."]},"sort":[12.582999,"11280483"]},{"_index":"complaint-public-v1","_id":"13333802","_score":12.46466,"_source":{"product":"Credit card","complaint_what_happened":"I removed my bank from my XXXX XXXX on XX/XX/2025, unaware it would affect autopay for my XXXX XXXX since there was no warning in the product or email. I checked before the due date, and the account still showed as linked to autopay. However, the payment failed due to a post-processing check, and I was charged a late fee. Autopay wasnt marked as canceled until XX/XX/2025. This lack of notification and poor integration between XXXX and XXXX caused an unnecessary late fee.","date_sent_to_company":"2025-05-05T20:51:05.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"30305","tags":null,"has_narrative":true,"complaint_id":"13333802","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-05-05T20:37:04.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["This lack of notification and poor <em>integration</em> between XXXX and XXXX caused an unnecessary late fee."]},"sort":[12.46466,"13333802"]},{"_index":"complaint-public-v1","_id":"3600185","_score":12.353237,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"I have an unsecured line of credit with Bank of America ( BofA ). It was opened maybe 15+ years ago and it is a program that is no longer being offered. There are very few people that still have this product and BofA has not invested any money in integrating this into their online and automated systems. I have talked to several people at BofA that have confirmed this. This lack of investment and lack of caring for people that are on this program have led to glitches with the online system and information available about the account that has resulted in my LOC getting frozen, put in Delinquent/Collections status and erroneous reporting to the credit bureaus. This treatment and behavior by BofA has placed on me a great deal of unnecessary financial burden, XXXX and inconvenience. I have written at least 11 letters to BofA, I have visited branch managers in four states on at least 10 occasions, I have made dozens of phone calls to people that say, \" I can help you with this matter, '' and in the end they do nothing at all and drop the ball. After all of these contacts on my part, I have NEVER received any communication from BofA confirming that they have read and understood my complaint, and have NEVER received an explanation why they will not take corrective action. \n\nThe specifics : BofA claims that I missed payments on my LOC, which resulted in negative reporting to the credit bureaus and freezing of my LOC account. However, 1. For this account, the online system makes no mention that a payment is late. For my other BofA accounts, the online system notifies you that a payment is late. This is is a system failure due to BofA 's lack of investment in properly integration and upgrading their online systems to properly support this account.\n\n2. When you miss a payment on this account, the amount due the following month does not include the amount from the previous month that was skipped. This leads to the customer never knowing that there is a problem with their account. This is another system failure due to BofA 's lack of investment in properly integration and upgrading their online systems to properly support this account.\n\n3. I NEVER received any letter or communication from BofA to inform me that my account was in bad standing, that any payments had been missed, or that it was frozen and sent to collections. I only discovered this while at a branch office discussing one of my other BofA accounts, and I noticed the words \" Delinquent/Collections '' on the agent 's computer screen. The branch rep could not find any reason for \" delinquency/collections '' so the branch rep and I called BofA Customer Care together and were told that none of my accounts were in \" Delinquent/Collections '' status. Not even the BofA branch or Customer Care reps have proper information about the status of this account. This is due to BofA 's lack of investment in properly integration and upgrading their systems to properly support this account.\n\n4. I have chatted with BofA representatives online and had them check all of my accounts and they confirmed that NONE OF MY BOFA ACCOUNTS WERE IN BAD STANDING. I have proof of this chat documented and have provided copies to BofA personnel on several occasions. Again, not even BofA personnel have proper information about the status of this account due to BofA 's lack of investment in properly integration and upgrading their systems to properly support this account.\n\n5. There was NEVER a late charge assessed to this account. If I in fact missed any payments, then there should have been late charges as proof of any missed/late payments. NONE. And, this has been confirmed by several BofA personnel.\n\n6. The statement and the online system for this account display a \" payment due '' amount that does not reflect the true payment due for the month and can lead to a delinquency. I have a sad but true discussion in one of the BofA branches, with a BofA Customer Care rep on the line who repeatedly confirmed that I paid the amount due on my statement, but then kept saying the payment was short as it was not the real amount due.\n\nAll of the above items due to BofA failure to properly support the Unsecured Line of Credit product have led to 1 ) negative reporting of my account to the credit bureaus, 2 ) me fighting and losing hundreds of hours of my time getting bounced from one person to another, with none of the BofA people bothering to address the points that I have been making for almost four years now, 3 ) stress, impact to my business and inability to earn a livelihood due to BofA 's neglect and lack of concern on this matter.","date_sent_to_company":"2020-04-09T23:12:58.000Z","issue":"Problem when making payments","sub_product":"Personal line of credit","zip_code":"92691","tags":null,"has_narrative":true,"complaint_id":"3600185","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2020-04-09T21:53:53.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["There are very few people that still have this product and BofA has not invested any money in <em>integrating</em> this into their online and automated systems. I have talked to several people at BofA that have confirmed this."]},"sort":[12.353237,"3600185"]},{"_index":"complaint-public-v1","_id":"4430556","_score":12.3223715,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Paypal is the company. They market work with small businesses to help with there ecomerce website but it's a lie. They own a monopoly in the payment ecomerce website world and XXXX and other companies have a monopoly with using payment transactions for an online website. They should immediately accept my application for my ecomerce website to integrate paypal as a payment system. How are any small companies supposed to strive if big corporations like XXXX and paypal won't even give a small company a chance. Filing a complaint on paypal. Accept payouts API application immediately.","date_sent_to_company":"2021-06-03T12:21:07.000Z","issue":"Confusing or misleading advertising or marketing","sub_product":"Mobile or digital wallet","zip_code":"084XX","tags":null,"has_narrative":true,"complaint_id":"4430556","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2021-06-03T12:06:26.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["They should immediately accept my application for my ecomerce website to <em>integrate</em> paypal as a payment system. How are any small companies supposed to strive if big corporations like XXXX and paypal won't even give a small company a chance. Filing a complaint on paypal. Accept payouts API application immediately."]},"sort":[12.3223715,"4430556"]},{"_index":"complaint-public-v1","_id":"15027163","_score":12.235087,"_source":{"product":"Credit card","complaint_what_happened":"I put in a dispute for a charge with Discover Bank for a service I never received from XXXX on XX/XX/year>. Under XXXX own Terms & Conditions, which I never agreed to, everything being done includes creating an XXXX account, completing XXXX integration, choosing a Sellvia store, selecting products, and creating a XXXX. None of these were completed in my case, and even after multiple attempts to get XXXX integration done. I provided Discover with proof of this and evidence that the merchants evidence is false. Despite this, Discover has repeatedly sided with the merchant and reinstated the charge, citing new evidence that does not prove fulfillment. I called Discover again on XX/XX/year> at XXXX and was told they can not override the decision or help me further. This violates the Fair Credit Billing Acts requirement for a fair investigation. XXXX also verbally promised me specific services and results that were the basis for my purchase decision. These promises were materially different from their written Terms & Conditions, constituting clear misrepresentation and deceptive business practices. They clearly falsified the claim that I agreed to their Terms and Conditions, presenting it as evidence for Discovers review, which influenced their decision to side with the merchant. I have reported Sellvia to the Federal Trade Commission for fraud ( FTC Report Number : XXXX ). I am requesting that Discover re-open my dispute and conduct a full and fair investigation into XXXX misrepresentation and failure to provide contracted services. I am also requesting immediate reversal of this charge and a proper review of the evidence in compliance with the Fair Credit Billing Act.","date_sent_to_company":"2025-08-02T06:35:17.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"90620","tags":null,"has_narrative":true,"complaint_id":"15027163","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-08-02T05:57:10.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Under XXXX own Terms & Conditions, which I never agreed to, everything being done includes creating an XXXX account, completing XXXX <em>integration</em>, choosing a Sellvia store, selecting products, and creating a XXXX. None of these were completed in my case, and even after multiple attempts to get XXXX <em>integration</em> done. I provided Discover with proof of this and evidence that the merchants evidence is false."]},"sort":[12.235087,"15027163"]},{"_index":"complaint-public-v1","_id":"16001516","_score":12.140737,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Incident summary On XX/XX/year> I initiated XXXX transfers from my Wells Fargo checking account ending XXXX to a legitimate recipient I added. I completed a {$1.00} transfer and a {$500.00} transfer. On XX/XX/year> I attempted a second {$500.00} XXXX transfer and Wells Fargo sent an email stating the payment was under review. XXXX hour later I received a phishing email branded as Wells Fargo that linked to a malicious endpoint. XXXX hours later I received a legitimate Wells Fargo email stating the second {$500.00} XXXX transfer could not be completed, the XXXX transfer was blocked, and my Online Banking access was XXXX. I did not authorize any transfer to the bogus recipient referenced in the phishing email and believe an unknown actor observed or intercepted my XXXX activity then used that information to stage the phishing attack. \nDetailed timeline ( chronological bullets local XXXX ) Tue XX/XX/year> XXXX AM You added a XXXX recipient. \nTue XX/XX/year>XXXX XXXX XXXX  You sent money with XXXX {$1.00}. \nThu XX/XX/year> XXXXXXXX XXXX XXXX transfer successful {$500.00}. \nFri XX/XX/year> XXXX XXXX I attempted a second legitimate XXXX transfer for {$500.00}. \nFri XX/XX/year> XXXXXXXX XXXX Wells Fargo email : Your XXXX payment is under review ( second transfer attempt for {$500.00} ). \nFri XX/XX/year> XXXXXXXX XXXX Phishing email received ( branded as Wells Fargo ). The message contained an image that linked to a bad actor endpoint. \nFri XX/XX/year> XXXX AM Wells Fargo email : Your XXXX payment could not be completed ( second transfer attempt for {$500.00} ) ; The XXXX transfer was blocked ; Online Banking XXXX. \nSuspected attack vectors and observations The phishing message closely followed the banks review notice and contained a link to a malicious endpoint, indicating near real time interception or access to notification metadata. \nXXXX disablement and the banks blocking action indicate detection or attempted unauthorized access. \nCore conclusion My devices and mailbox have been scanned and verified clean. Merchant/processor log leaks or exposed cloud storage are excluded to the XXXX window between email events. The XXXX event was captured in real time by an integration or partner that receives live bank events ( webhooks or streaming APIs ) and included the notification address or enough identifiers to resolve my email address. The attacker used that live feed access or abused its credentials to craft and send the timely phishing message. \nHigh probability real time capture vectors ( excluding phone, mailbox, recipient portals, and exposed logs ) Compromised bank partner XXXX or partner endpoint A partner endpoint that XXXX XXXX XXXX XXXX events to ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXs compromised, misconfigured to accept unauthenticated traffic, or had leaked signing keys. The attacker received the event payload in real time and it contained the email delivery target or identifying metadata. \nAbused aggregator / XXXX XXXX with streaming access A finance aggregator, bookkeeping app, or reconciliation service you ( or a related party ) authorized had API/webhook access to transaction streams. An attacker who stole its API key, admin credentials, or OAuth client secrets could read live events as they were produced. \nCompromised integration middleware or iPaaS connector Integration platforms ( XXXX, XXXX, custom middleware ) that route bank webhooks to downstream systems can be hijacked. If a connector token or flow was compromised, the attacker could siphon events in real time. \nInsider access at a partner or integration provider An employee or contractor with access to the live event stream, admin console, or webhook deliveries could exfiltrate events as they occur and hand them to attackers. \nMan in the middle at an integration broker or intermediary service A breached or malicious intermediary that proxies webhook traffic could observe and forward live events without touching your devices or the banks primary logs. \nHow the attacker linked the event to your email without mailbox or phone compromise The live payload included the delivery address or an explicit recipient field. \nIf the payload didnt include the email, it contained strong identifiers ( name, partial account, memo, invoice id, timestamp ) that the attacker immediately resolved to an email by querying breached datasets, vendor contact lists, or an authorized aggregator that stored the mapping. \nAccess to the integrations configuration could reveal routing rules showing which email the bank notification was delivered to. \nWhy timing and specificity were possible Webhooks and streaming APIs are near real time ; with access, the attacker could detect the under review event and send a phish within minutes. \nSupporting evidence attached XXXX. XXXX IP XXXX XXXX. Email Header Analysis for phishing email received from XXXX XXXX XXXX. Email Header feom phishing email received from XXXX XXXX XXXX. You addeXXXX XXXX XXXX XXXX XXXX XXXX XXXXecipient.msg XXXX. You sent money with XXXX XXXX XXXX XXXX .msg XXXX. You sent money with XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Your XXXX ( R ) payment could not be completed.msg XXXX. Your XXXXXXXX XXXX XXXX XXXX payment is under review.msg","date_sent_to_company":"2025-09-17T17:08:18.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"287XX","tags":"Older American","has_narrative":true,"complaint_id":"16001516","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-09-17T16:54:40.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Compromised <em>integration</em> middleware or iPaaS connector <em>Integration</em> platforms ( XXXX, XXXX, custom middleware ) that route bank webhooks to downstream systems can be hijacked. If a connector token or flow was compromised, the attacker could siphon events in real time. \nInsider access at a partner or <em>integration</em> provider An employee or contractor with access to the live event stream, admin console, or webhook deliveries could exfiltrate events as they occur and hand them to attackers."]},"sort":[12.140737,"16001516"]},{"_index":"complaint-public-v1","_id":"2174925","_score":12.135257,"_source":{"product":"Bank account or service","complaint_what_happened":"When I opened a new checking account with Citibank, they were unable to verify my external checking out through login. I was advised I would have to do trial deposits and that the initial funding would not go through. Later, after confirming the trial deposits and seeing no pending transfers, I initiated the initial funding through the external account in the amount of {$15000.00}. Later, Citi then initiated XXXX withdrawals of {$15000.00}. The second led to an NSF fee and I received an e-mail that they planned on re-initiating it. I called in and they promised they had canceled that attempt. The attempt did not appear on Citi 's website for me to cancel. However, Citi then initiated this transfer again, leading to another NSF fee from my external account. \n\nAdditionally, due to issues in product integration, Citi conducts verification and sends out account information piecemeal. Citi refused to accept a signed affidavit as proof of identity/residence, insisting on utility bills that are n't in my name ( since I 'm a full-time student ). Then, Citi blamed me when the provider ( XXXX XXXX XXXX ) would not talk to them about the account. Moreover, Citi 's refusal to provide appropriate information and integrate verification meant that once I activated the debit card I was mailed, I was instantly blocked from online access since I had n't been provided a PIN and I had n't been provided my full bank account number yet ( I needed both to login ). Citi customer service could not provider or create either. This failure of integration meant that I did not have access to Citi online, including my unrelated and existing Credit Card ( Citi Double Cash ). I believe this denial of access to current balance, transactions, and previous statements based on a checking account is a violation of the Electronic Statements agreement between me and Citi and the XXXX XXXX. Even in the most liberal reading, the Electronic Statements agreement requires notice of termination of online access. \n\nI had upwards of 10 phone calls related to this issue and met with a Branch Manager. Finally, I was able to get a \" Level II '' Supervisor from Citi who instructed me to call her direct line while in branch with a branch manager. I finally have access to view my online accounts while I wait for the New Accounts Team to process their request to unblock my account. I have not been able to get any resolution on receiving compensation for the overdrafts.","date_sent_to_company":"2016-10-24T16:57:21.000Z","issue":"Account opening, closing, or management","sub_product":"Checking account","zip_code":"60615","tags":null,"has_narrative":true,"complaint_id":"2174925","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2016-10-24T16:57:20.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Moreover, Citi 's refusal to provide appropriate information and <em>integrate</em> verification meant that once I activated the debit card I was mailed, I was instantly blocked from online access since I had n't been provided a PIN and I had n't been provided my full bank account number yet ( I needed both to login ). Citi customer service could not provider or create either."]},"sort":[12.135257,"2174925"]},{"_index":"complaint-public-v1","_id":"4825373","_score":12.097416,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Grain is set up to automatically draft out the payment when its due. Because it was going through a new integration due to it merging with another company it did not do it on time. It said it would post on Monday XXXX but the payment was set up on XX/XX/28. The payment was automatic, set up in advance, and now is showing a late on my credit report due to some technical glitch within their system. I have reached out to them several times with no response. The payment was made, my account is at {$2.00} with them yet they are still reporting it as late due to their own technical difficulties.","date_sent_to_company":"2021-10-19T22:46:02.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"27560","tags":"Servicemember","has_narrative":true,"complaint_id":"4825373","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Grain Technology, Inc.","date_received":"2021-10-19T22:30:42.000Z","state":"NC","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["Because it was going through a new <em>integration</em> due to it merging with another company it did not do it on time. It said it would post on Monday XXXX but the payment was set up on XX/XX/28. The payment was automatic, set up in advance, and now is showing a late on my credit report due to some technical glitch within their system. I have reached out to them several times with no response."]},"sort":[12.097416,"4825373"]},{"_index":"complaint-public-v1","_id":"4636418","_score":12.097416,"_source":{"product":"Mortgage","complaint_what_happened":"Better.com uses XXXX as a lead aggregator. The rates offered on XXXX differ materially from those offered on Better.com. This appears to be misleading advertising. When asked to explain Better.com does not respond. In addition, Better.com advertises online as being an online direct lender with easy applications. However, their website is broken ( multiple errors ), their integration with their primary credit agency ( XXXX  ) as well as secondary credit agency ( XXXX  ) does not work in my case. Better.com also advertises that they can be reached by phone. However, nobody answers the phone.","date_sent_to_company":"2021-08-16T20:03:05.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"333XX","tags":null,"has_narrative":true,"complaint_id":"4636418","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Better Mortgage, Inc.","date_received":"2021-08-16T19:56:12.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["However, their website is broken ( multiple errors ), their <em>integration</em> with their primary credit agency ( XXXX  ) as well as secondary credit agency ( XXXX  ) does not work in my case. Better.com also advertises that they can be reached by phone. 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