{"took":287,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":109,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"12556730","_score":25.000946,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I discovered that my PayPal account had been compromised due to a malicious browser extension installed on my device without my knowledge. This breach allowed an unauthorized party to link my PayPal account to XXXX and make multiple fraudulent purchases, totaling {$910.00}, charged to my linked credit card. The unauthorized transactions occurred on or before XX/XX/year>, and are documented in PayPals Resolution Center as follows : case XXXX for {$900.00} and case XXXX for {$9.00}, both labeled as Unauthorized transaction.\n\nUpon discovering the issue, I immediately took action : I removed the malicious extension, changed all my passwords, and enabled Two-Factor Authentication to secure my accounts. I then opened disputes with PayPal for these transactions, requesting a full refund for the fraudulent charges. PayPal investigated and closed the case on XX/XX/year>, in my favor, as confirmed by a resolution notice I received. This notice explicitly stated that the transactions were unauthorized. \n\nDespite this ruling, PayPal only refunded me {$10.00} of the {$910.00} in fraudulent charges. This partial refund fails to account for the full scope of the unauthorized activity, which involved multiple transactions. I contacted PayPal on to dispute the incomplete refund, pointing out that their decision in my favor should cover all related charges, not just a fraction. However, they have not corrected the issue or provided a satisfactory explanation for the discrepancy. \n\nI am seeking a full refund of the remaining amount, {$900.00}, to cover all unauthorized transactions, as supported by PayPals own finding that the activity was fraudulent. I have attached screenshots of the transaction amounts from the Resolution Center and the separate resolution notice confirming the case were closed in my favor. The companys failure to fully reimburse me despite acknowledging the fraud is unjust and inconsistent with their case resolution. I request that this matter be investigated and resolved promptly to ensure I am made whole for the losses caused by this breach.","date_sent_to_company":"2025-03-19T22:42:00.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"704XX","tags":"Servicemember","has_narrative":true,"complaint_id":"12556730","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-03-19T22:08:32.000Z","state":"LA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I then opened disputes with PayPal for these <em>transactions</em>, requesting a <em>full</em> <em>refund</em> for the <em>fraudulent</em> charges. PayPal <em>investigated</em> and closed the case on XX/XX/year>, in my favor, as confirmed by a resolution notice I received. This notice explicitly stated that the <em>transactions</em> were unauthorized. \n\nDespite this ruling, PayPal only <em>refunded</em> me {$10.00} of the {$910.00} in <em>fraudulent</em> charges."],"issue":["Unauthorized <em>transactions</em> or other transaction problem"]},"sort":[25.000946,"12556730"]},{"_index":"complaint-public-v1","_id":"21381357","_score":22.454344,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a complaint regarding unauthorized transactions on my Cash App Card resulting from my card being lost and my account being compromised.\n\nI previously reported fraudulent activity and some transactions were investigated and refunded. However, additional unauthorized charges from the same incident were not included in the original claim. I have since submitted disputes for these transactions individually, but I am concerned about delays and incomplete handling of my case.\n\nThe unauthorized transactions show a clear pattern of fraudulent activity from merchants that I do not recognize and have never done business with. These include : - XXXX {$42.00} - XXXX XXXX XXXX {$51.00} - XXXX XXXX XXXX {$100.00} and {$150.00} XXXX XXXX XXXX XXXX XXXX {$110.00} and {$45.00} XXXX XXXX XXXX {$150.00} These charges total approximately {$670.00} and all occurred within a short timeframe after my Cash App Card was lost and compromised. \n\nI did not authorize any of these transactions, did not receive any goods or services, and had no prior relationship with these merchants. The merchant names appear suspicious and follow the same pattern as other fraudulent charges that were already refunded on my account. \n\nUnder Regulation E, I am requesting that all unauthorized debit card transactions be properly investigated and that I receive full reimbursement for any confirmed fraudulent charges. I reported this issue promptly and took steps to secure my account. \n\nI am requesting that Cash App : XXXX. Conduct a full and proper investigation into all listed unauthorized transactions XXXX. Link all disputes to the same fraud incident XXXX. Provide full reimbursement for all unauthorized charges XXXX. Ensure my account is fully secured from further unauthorized activity I am seeking a fair and timely resolution to recover the remaining funds taken from my account without my authorization.","date_sent_to_company":"2026-04-19T04:20:52.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"06108","tags":null,"has_narrative":true,"complaint_id":"21381357","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2026-04-19T04:11:21.000Z","state":"CT","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I did not authorize any of these <em>transactions</em>, did not receive any goods or services, and had no prior relationship with these merchants. The merchant names appear suspicious and follow the same pattern as other <em>fraudulent</em> charges that were already <em>refunded</em> on my account. \n\nUnder Regulation E, I am requesting that all unauthorized debit card <em>transactions</em> be properly <em>investigated</em> and that I receive <em>full</em> reimbursement for any confirmed <em>fraudulent</em> charges."]},"sort":[22.454344,"21381357"]},{"_index":"complaint-public-v1","_id":"20568947","_score":22.09879,"_source":{"product":"Prepaid card","complaint_what_happened":"I am filing this complaint against True Link Financial regarding multiple unauthorized transactions on my prepaid card account, as well as their failure to provide access to account information that would have allowed me to detect the fraud earlier.\n\nI receive government benefits through a True Link prepaid card that is issued to me by my institution ( XXXX XXXX ). I am not provided with account statements, nor do I have login access to view my account activity. For most of the time I have had this card, I had no way to monitor transactions. \n\nApproximately XXXX weeks ago, I discovered a way to view my transaction history for the first time. Upon reviewing the account, I found numerous unauthorized transactions dating back to XX/XX/year>. These charges were made to a merchant listed as XXXX XXXX XXXX. I do not own a computer and have never conducted any business with this merchant, nor did I authorize any of these transactions. \n\nThe total amount of unauthorized transactions is approximately {$4200.00}. \n\nI immediately contacted True Link to report the fraud, and a dispute was opened. After a few days, TruLink informed me that they would only reimburse {$580.00} of the {$4200.00} in unauthorized charges, they did confirm that the transactions where truly unauthorized, but Their justification was that I should have reviewed my account statements earlier.\n\nHowever, I never received any statements from True Link or from the institution that issued the card. I was not given login credentials or any reasonable way to monitor my account activity. Because of this lack of access, I had no ability to detect or report the fraudulent transactions sooner. \n\nI believe True Link failed in its responsibility to : * Provide access to account statements or transaction monitoring * Detect or prevent ongoing fraudulent activity over an extended period * Properly investigate and fully reimburse clearly unauthorized transactions As a result, I have suffered significant financial harm involving funds that are critical government benefits. \n\nI am requesting that True Link Review and correct their investigation process in this case and Refund the full amount of unauthorized transactions totaling approximately {$4200.00}.","date_sent_to_company":"2026-03-25T04:16:51.000Z","issue":"Problem with a purchase or transfer","sub_product":"Government benefit card","zip_code":"98225","tags":null,"has_narrative":true,"complaint_id":"20568947","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"True Link Financial, Inc.","date_received":"2026-03-25T03:53:51.000Z","state":"WA","company_public_response":null,"sub_issue":"Charged for a purchase or transfer you did not make with the card"},"highlight":{"complaint_what_happened":["I am requesting that True <em>Link</em> Review and correct their <em>investigation</em> process in this case and <em>Refund</em> the <em>full</em> amount of unauthorized <em>transactions</em> totaling approximately {$4200.00}."],"company":["True <em>Link</em> Financial, Inc."]},"sort":[22.09879,"20568947"]},{"_index":"complaint-public-v1","_id":"21762374","_score":21.125101,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I have a PayPal account I rarely use -- only about 10 transactions in the past 3 years. Someone gained unauthorized access to my PayPal account and committed the following fraud : On XX/XX/year>, three unauthorized transfers of {$180.00}, {$180.00}, and {$200.00} were made from my own linked XXXX XXXX XXXX XXXX XXXX debit card ( ending XXXX ) to load a total of {$560.00} into my PayPal account without my knowledge or authorization. \nOn XX/XX/year>, two payments of {$180.00} and {$180.00} were sent from my PayPal account to XXXX, a XXXX  bank, using a PayPal XXXX XXXX ending XXXX. I never requested this debit card, never received it, and do not possess it. PayPal issued this card to an unauthorized person without my consent.\n\nI filed disputes with PayPal for both fraudulent transactions on XX/XX/year>. Both were denied the same day with no real investigation. PayPal only stated the transactions were \" consistent with payment history '' which is completely false given my minimal account activity. The dispute case IDs are XXXX for {$180.00} and XXXX for {$180.00}. \nPayPal issued a physical debit card on my account to an unauthorized person, allowed my linked bank account to be drained, and denied my fraud claims without proper investigation. I am requesting a full investigation into how this debit card was issued without my authorization, and a full refund of all unauthorized transactions totaling approximately {$370.00}.","date_sent_to_company":"2026-04-30T19:50:52.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"36116","tags":null,"has_narrative":true,"complaint_id":"21762374","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-04-30T19:23:18.000Z","state":"AL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["PayPal issued a physical debit card on my account to an unauthorized person, allowed my <em>linked</em> bank account to be drained, and denied my fraud claims without proper <em>investigation</em>. I am requesting a <em>full</em> <em>investigation</em> into how this debit card was issued without my authorization, and a <em>full</em> <em>refund</em> of all unauthorized <em>transactions</em> totaling approximately {$370.00}."],"issue":["Unauthorized <em>transactions</em> or other transaction problem"]},"sort":[21.125101,"21762374"]},{"_index":"complaint-public-v1","_id":"16757014","_score":20.870047,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Issue Type : Unauthorized transactions/ identity theft / failure to investigate or remediate fraud Case Reference ( Coinbase ) : # XXXX Complaint Summary : I am filing this complaint regarding a severe case of identity theft and financial fraud involving multiple unauthorized Coinbase accounts created under my name and using my personal information without consent. These accounts have been used to conduct transactions totaling XXXX XXXX XXXX  of dollars, including unauthorized withdrawals directly from my personal bank account, resulting in the theft of several XXXX dollars. \n\nOn XX/XX/year>, I contacted Coinbase XXXX and spent more than XXXX hours on the phone with a representative named XXXX. During that call, Coinbase confirmed that at least XXXX separate accounts had been opened in my name. I was assured that a full investigation would be conducted, that I would receive a detailed report from XXXX fraud and compliance team, and that I would be reimbursed for the stolen funds. \n\nInstead, I received a non-functional link and a follow-up email indicating that the case was closed without any investigation results or refund. Coinbase has since failed to respond meaningfully to repeated follow-up requests. \n\nThis situation constitutes a serious breach of Coinbases legal obligations as a regulated Money Services Business ( MSB ) under the Bank Secrecy Act, the XXXX XXXX XXXX, and the XXXX XXXXt, which require : Timely investigation and reporting of fraudulent financial activity ; Protection of consumer financial data ; and Cooperation with identity theft victims under the Electronic Fund Transfer Act ( EFTA ) and XXXX XXXX regarding disputed transactions. \n\nXXXX failure to investigate or remediate this fraud and its decision to close the case without transparency has caused ongoing financial and reputational harm. I am now receiving tax liability notices linked to fraudulent accounts that I did not open, showing Coinbases reporting of these unauthorized transactions as legitimate income under my XXXX XXXX number. \n\n\n\nLaw Enforcement Involvement : This matter is currently under active criminal investigation with the XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Email : XXXX Phone : ( XXXX ) XXXX Case Report # : XXXX Requested Resolution : I am requesting that the CFPB compel Coinbase to : XXXX. Reopen Case # XXXX and conduct a full, good-faith investigation ; XXXX. Provide a detailed written report identifying all Coinbase accounts and transactions created using my name, personal data, or linked financial instruments ; XXXX. Refund all funds fraudulently withdrawn from my personal bank account via Coinbase or related platforms ; XXXX. Correct any false tax reporting or account data associated with my identity ; and XXXX. Confirm in writing the steps Coinbase will take to protect against further unauthorized activity Due to the severity of this case and the companys ongoing noncompliance, I respectfully request urgent regulatory review and enforcement action to ensure Coinbase fulfills its obligations under federal consumer protection and financial privacy laws.","date_sent_to_company":"2025-10-22T14:01:49.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"27604","tags":null,"has_narrative":true,"complaint_id":"16757014","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2025-10-22T13:45:16.000Z","state":"NC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I was assured that a <em>full</em> <em>investigation</em> would be conducted, that I would receive a detailed report from XXXX fraud and compliance team, and that I would be reimbursed for the stolen funds. \n\nInstead, I received a non-functional <em>link</em> and a follow-up email indicating that the case was closed without any <em>investigation</em> results or <em>refund</em>. Coinbase has since failed to respond meaningfully to repeated follow-up requests."]},"sort":[20.870047,"16757014"]},{"_index":"complaint-public-v1","_id":"20215296","_score":20.868786,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Complaint Regarding Denied Fraud Claim Request for Investigation To Whom It May Concern, I am submitting this complaint regarding my banks decision to deny my fraud claim involving multiple unauthorized transactions made using my card information. \n\nThe transactions in question total nearly {$4000.00} and were for transportation services that I did not authorize and did not personally use. I did not give permission for any individual to use my card for these purchases.\n\nAfter reviewing the activity and conducting my own investigation, I discovered that the transactions appear to be associated with an individual named XXXX XXXX  and linked to the address XXXX XXXX XXXX XXXX XXXX  These services were booked without my knowledge or consent. \n\nAs soon as I became aware of the fraudulent activity, I immediately reported the issue to my bank and disputed the charges. I also filed a police report regarding the unauthorized use of my card information. Despite reporting the fraud and providing details related to the suspected individual and location tied to the transactions, my claim was denied. \n\nI believe this decision was made without a full and proper investigation into the unauthorized nature of these charges. I am requesting that my bank reopen the claim and conduct a thorough reinvestigation into these transactions. \n\nI should not be held financially responsible for charges that were made fraudulently using my card information. I am requesting that the bank review this matter again and issue a refund for the unauthorized transactions. \n\nThank you for your time and assistance in reviewing this complaint. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2026-03-12T20:40:29.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"29651","tags":null,"has_narrative":true,"complaint_id":"20215296","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-03-12T20:30:27.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Despite reporting the fraud and providing details related to the suspected individual and location tied to the <em>transactions</em>, my claim was denied. \n\nI believe this decision was made without a <em>full</em> and proper <em>investigation</em> into the unauthorized nature of these charges. I am requesting that my bank reopen the claim and conduct a thorough reinvestigation into these <em>transactions</em>. \n\nI should not be held financially responsible for charges that were made <em>fraudulently</em> using my card information."]},"sort":[20.868786,"20215296"]},{"_index":"complaint-public-v1","_id":"8559006","_score":20.446795,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Urgent Request for Investigation and Full Refund of Fraudulent Transactions Linked to My XXXX and Fifth Third Bank Accounts Dear Sir/Madam, I am writing to seek the assistance of the Consumer Financial Protection Bureau ( CFPB ) in addressing a serious issue involving unauthorized transactions through my XXXX account , which subsequently affected my linked Fifth Third Bank account. Despite attempts to resolve this matter directly with both XXXX and Fifth Third Bank, my disputes have been unjustly denied, leaving me without restitution for the significant financial loss I have suffered. \n\nSummary of the Incident : As a loyal XXXX user for over XXXX years, I was alarmed to discover that my IRS tax refund had been illicitly withdrawn in multiple transactions, each exceeding {$100.00}. This fraudulent activity was not immediately apparent to XXXXXXXX XXXX security systems, leading to a significant breach of my financial security. \n\nStarting XX/XX/XXXX I discovered unauthorized transactions, I acted swiftly to contact the recipients, asking them of the situation, which resulted in the return of the funds to my XXXX account. These funds were then transferred back to my Fifth Third Bank account. On XX/XX/XXXX I notice unauthorized withdarwls also and contacted the recipient which funds were returned again. I was confused on what is going on with my XXXX account. I did not innitiate a dispute then because my funds where returned to me and I confused because I dealt with XXXX for years and never had an issue. On XX/XX/XXXX I notice unauthorzied transactions again. This time draining all of my federal tax refund that was deposited into my fifth third bank account only about a week earlier. This is when I file the claim. Over {$2200.00} has been sent to this same account and this time I could not get incontact with this person. I was in such shocked of this because I have did business with XXXX for years and have never been scammed. I heard of other people being scammed but I never experienced it. It seems to me that the scam is to send transactions small amounts of transactions to an account. Once the owner of the account notices, they send the money back. Creating transactions history. Then once they can pull out enough money out of someones bank account without them knowing they dissapear. XXXX denies the claim because the say transaction history is consistent. Scammers have figured out a new loophole in the XXXX system to scam account holders and be able to keep the funds without any negative effects to the paypal account that the scam is being run through. \n\nPoints of Dispute : Flawed Transaction History Analysis : My dispute with XXXX was denied under the pretense that the transactions matched my usual activity. This ignores the reality that the transactions were unauthorized, highlighting a significant oversight in XXXXXXXX XXXX fraud detection measures. \nRecurring Security Breaches : This incident is the third instance of unauthorized access to my account, underscoring a recurring vulnerability that XXXX has failed to adequately address. \nFifth Third Bank 's Non-compliance : Despite having a zero-liability policy for unauthorized transactions, Fifth Third Bank has also denied my claim, refusing to refund the fraudulently withdrawn funds. This failure to honor their own policy compounds the financial injury I have experienced. \nProactive Security Measures : In response to these breaches, I have severed the link between my XXXX and Fifth Third Bank accounts to prevent further unauthorized access, albeit after the fact. This decision reflects my diminished trust in both entities ' security protocols. \n\nRequest for Resolution : In light of Fifth Third Bank 's refusal to honor their zero-liability policy and XXXXXXXX XXXX  inadequate response to this breach of security, I am requesting a full refund of the compromised amounts from both institutions. I urge the CFPB to initiate a thorough investigation into the fraudulent activity associated with my accounts and the subsequent handling of my disputes by XXXX and Fifth Third Bank. \n\nYour immediate attention to this matter is critical, not only for the recovery of my funds but also to address potential systemic issues within these financial services that jeopardize consumer protection and trust. \n\nI am fully prepared to cooperate with your investigation and provide any additional information required. I appreciate your prompt response to this urgent matter. \n\nSincerely, XXXX XXXX XXXX : XXXX XXXX","date_sent_to_company":"2024-03-15T17:32:46.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"30062","tags":null,"has_narrative":true,"complaint_id":"8559006","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2024-03-15T16:37:34.000Z","state":"GA","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Subject : Urgent Request for <em>Investigation</em> and <em>Full</em> <em>Refund</em> of <em>Fraudulent</em> <em>Transactions</em> <em>Linked</em> to My XXXX and Fifth Third Bank Accounts Dear Sir/Madam, I am writing to seek the assistance of the Consumer Financial Protection Bureau ( CFPB ) in addressing a serious issue involving unauthorized <em>transactions</em> through my XXXX account , which subsequently affected my <em>linked</em> Fifth Third Bank account."]},"sort":[20.446795,"8559006"]},{"_index":"complaint-public-v1","_id":"12993859","_score":20.313366,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/year>, XXXX unauthorized transactions were initiated from my PayPal account using the Friends and Family option, totaling {$1800.00}. The funds were withdrawn from my Visa debit card linked to a XXXX bank account and sent to an unknown individual named XXXX XXXX XXXX. \n\nThe transactions were : {$950.00} ( Transaction ID : XXXX ) {$870.00} ( Transaction ID : XXXX ) I reported the activity to PayPal the same day through their Resolution Center ( Case ID : XXXX ). PayPal denied my fraud claim, stating the activity was consistent with my account history, even though I have never interacted with the recipient and only use Friends and Family to send funds to two verified relatives. I did not authorize these payments and received no benefit from them.\n\nPayPal refused to refund me despite clear evidence that the transactions were fraudulent and unauthorized. Their denial appears to violate the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) and Regulation E ( 12 C.F.R. 1005.6, 1005.11 ), which require financial institutions to investigate and reimburse unauthorized transfers unless proven otherwise. \n\nI am seeking a full refund of {$1800.00} and confirmation that PayPal will fulfill its legal obligation to investigate and resolve this fraud claim properly.","date_sent_to_company":"2025-04-15T16:44:15.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"197XX","tags":null,"has_narrative":true,"complaint_id":"12993859","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-04-15T16:37:23.000Z","state":"DE","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am seeking a <em>full</em> <em>refund</em> of {$1800.00} and confirmation that PayPal will fulfill its legal obligation to <em>investigate</em> and resolve this fraud claim properly."],"issue":["Unauthorized <em>transactions</em> or other transaction problem"]},"sort":[20.313366,"12993859"]},{"_index":"complaint-public-v1","_id":"18817460","_score":20.2661,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am disputing approximately {$300.00} in charges labeled as XXXX XXXX XXXX XXXX XXXX XXXX  monthly transactions that were posted to my debit card. I did not authorize these charges and I do not have an XXXX XXXX XXXX  XXXX  account. Navy federal has not honored the fraud claim. \n\nUpon noticing the transactions, I contacted XXXX XXXX XXXX directly to investigate. XXXX XXXX XXXX confirmed that there are no prepaid or postpaid accounts, charges, or services associated with my name, phone number, or billing information. This confirmation establishes that the charges are not connected to any service I use and are therefore fraudulent. \n\nAt all times during which these charges occurred, my card remained in my possession. The card was never lost or stolen, and I did not authorize any individual or merchant to use my card. I also did not receive any goods or services related to these transactions. \n\nI am unsure how my card information was compromised. It may have occurred through a data breach, an online transaction, or an unauthorized recurring payment set up without my knowledge or consent. Regardless of the source, I did not approve these charges and did not benefit from them in any way. \n\nDespite providing this information, my claim was denied and I have not been refunded the approximately {$300.00} taken from my account. Given that XXXX XXXX XXXX has confirmed the charges are not linked to me, and that I did not authorize or receive any services, the denial of my claim is unjustified. I am requesting that this decision be reconsidered and that the full amount be refunded, as these transactions meet the definition of unauthorized and fraudulent activity.","date_sent_to_company":"2026-01-18T20:40:51.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"75013","tags":null,"has_narrative":true,"complaint_id":"18817460","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-01-18T20:33:03.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Despite providing this information, my claim was denied and I have not been <em>refunded</em> the approximately {$300.00} taken from my account. Given that XXXX XXXX XXXX has confirmed the charges are not <em>linked</em> to me, and that I did not authorize or receive any services, the denial of my claim is unjustified. I am requesting that this decision be reconsidered and that the <em>full</em> amount be <em>refunded</em>, as these <em>transactions</em> meet the definition of unauthorized and <em>fraudulent</em> activity."]},"sort":[20.2661,"18817460"]},{"_index":"complaint-public-v1","_id":"21219474","_score":20.169384,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing a complaint regarding unauthorized access and fraud on my Cash App account. \n\nOn XX/XX/XXXX at approximately XXXX XXXX, an unknown individual accessed my account from Texas without my authorization. This person conducted multiple transactions, including withdrawing funds from my linked bank account and taking out loans through Cash App. \n\nThe fraudulent activity included : XXXX withdrawals from my bank account totaling {$360.00} each XXXX borrowed transactions of {$350.00} each through Cash App Transfers to multiple unknown individuals Cash App has acknowledged part of the fraud by refunding some transactions and canceling several loans. However, they are still holding me responsible for XXXX remaining loan, which I did not authorize. \n\nBecause this was a clear case of unauthorized access and fraud, I should not be held liable for any of these transactions under federal consumer protection laws. \n\nI am requesting : XXXX. Immediate removal of the remaining loan balance XXXX. Correction of my account to reflect only authorized activity XXXX. Ability to close my account without penalty Additionally, I have experienced continued attempted unauthorized access and fraudulent charges even after this incident, requiring me to replace my debit cards multiple times. \n\nI request a full investigation and resolution of this matter.","date_sent_to_company":"2026-04-14T12:01:01.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"725XX","tags":null,"has_narrative":true,"complaint_id":"21219474","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2026-04-14T11:40:25.000Z","state":"AR","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["This person conducted multiple <em>transactions</em>, including withdrawing funds from my <em>linked</em> bank account and taking out loans through Cash App. \n\nThe <em>fraudulent</em> activity included : XXXX withdrawals from my bank account totaling {$360.00} each XXXX borrowed <em>transactions</em> of {$350.00} each through Cash App Transfers to multiple unknown individuals Cash App has acknowledged part of the fraud by <em>refunding</em> some <em>transactions</em> and canceling several loans."],"issue":["Unauthorized <em>transactions</em> or other transaction problem"]},"sort":[20.169384,"21219474"]},{"_index":"complaint-public-v1","_id":"8561954","_score":20.14638,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Subject : Urgent Request for Investigation and Full Refund of Fraudulent Transactions Linked to My PayPal and XXXX XXXX XXXX  Accounts Dear Sir/Madam, I am writing to seek the assistance of the Consumer Financial Protection Bureau ( CFPB ) in addressing a serious issue involving unauthorized transactions through my PayPal account , which subsequently affected my linked XXXX XXXX XXXX  account. Despite attempts to resolve this matter directly with both PayPal and XXXX XXXX XXXX, my disputes have been unjustly denied, leaving me without restitution for the significant financial loss I have suffered. Summary of the Incident : As a loyal PayPal user for over five years, I was alarmed to discover that my IRS tax refund had been illicitly withdrawn in multiple transactions, each exceeding {$100.00}. This fraudulent activity was not immediately apparent to PayPal 's security systems, leading to a significant breach of my financial security. Upon discovering these unauthorized transactions, I acted swiftly to contact the recipients, informing them of the situation, which resulted in the return of the funds to my PayPal account. These funds were then transferred back to my XXXX XXXX XXXX  account. Despite these efforts to mitigate the damages, both PayPal and XXXX XXXX XXXX  have denied my claims for a refund. Points of Dispute : Flawed Transaction History Analysis : My dispute with PayPal was denied under the pretense that the transactions matched my usual activity. This ignores the reality that the transactions were unauthorized, highlighting a significant oversight in PayPal 's fraud detection measures. Recurring Security Breaches : This incident is the third instance of unauthorized access to my account, underscoring a recurring vulnerability that PayPal has failed to adequately address. I informed PayPal that the transactions starting around XX/XX/XXXX were unauthorized transactions. The account that my funds were being transferred to has been sending money to their account and then when I reported it they sent the money back two times. I did not file a claim initially because I received my funds back on XX/XX/XXXX and XX/XX/XXXX from this account. I have been using PayPal for years and never experienced any issues so I did not understand what was going on but since my funds were returned I did not file a claim at the time. Then on XX/XX/XXXX, the same name started receiving money from my PayPal account again. Starting with {$50.00} transfers on XX/XX/XXXX and moving up to {$100.00} transfers and {$150.00} transfers until XX/XX/XXXX when I noticed and filled the claim. PayPal has denied my claim stating no unauthorized use and transaction history ignoring the fact that every transfer to this account has been unauthorized and my PayPal account has been hacked and accessed somehow. I have done my research and have concluded that the people running this scam understand the PayPal system so they know to create transaction history by pulling money from someone's account and sending it back a few times so the system thinks that the accounts have a relationship. After that is done they drain a person 's account and if they receive enough funds before it is reported and they get the money out of their account the scam has worked. XXXX XXXX XXXX  's Non-compliance : Despite having a zero-liability policy for unauthorized transactions, XXXX XXXX XXXX has also denied my claim, refusing to refund the fraudulently withdrawn funds. This failure to honor their policy compounds the financial injury I have experienced. Proactive Security Measures : In response to these breaches, I have severed the link between my PayPal and XXXX XXXX XXXX  accounts to prevent further unauthorized access, albeit after the fact. This decision reflects my diminished trust in both entities ' security protocols. Request for Resolution : In light of XXXX XXXX XXXX 's refusal to honor its zero-liability policy and PayPal 's inadequate response to this breach of security, I am requesting a full refund of the compromised amounts from both institutions. I urge the CFPB to initiate a thorough investigation into the fraudulent activity associated with my accounts and the subsequent handling of my disputes by PayPal and XXXX XXXX XXXX. Your immediate attention to this matter is critical, not only for the recovery of my funds but also to address potential systemic issues within these financial services that jeopardize consumer protection and trust. I am fully prepared to cooperate with your investigation and provide any additional information required. I appreciate your prompt response to this urgent matter. Around {$2100.00} was taken. Sincerely, XXXX XXXX Email : XXXX XXXX","date_sent_to_company":"2024-03-16T14:05:18.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"30062","tags":null,"has_narrative":true,"complaint_id":"8561954","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2024-03-16T13:29:05.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Subject : Urgent Request for <em>Investigation</em> and <em>Full</em> <em>Refund</em> of <em>Fraudulent</em> <em>Transactions</em> <em>Linked</em> to My PayPal and XXXX XXXX XXXX  Accounts Dear Sir/Madam, I am writing to seek the assistance of the Consumer Financial Protection Bureau ( CFPB ) in addressing a serious issue involving unauthorized <em>transactions</em> through my PayPal account , which subsequently affected my <em>linked</em> XXXX XXXX XXXX  account."]},"sort":[20.14638,"8561954"]},{"_index":"complaint-public-v1","_id":"16447664","_score":19.781693,"_source":{"product":"Credit card","complaint_what_happened":"Complaint against : Wells Fargo Bank Product : Credit card Case ID with Wells Fargo : XXXX What happened : I am filing this complaint because Wells Fargo has failed to properly handle multiple fraudulent transactions on my credit card from a merchant listed as XXXX XXXX TO XXXX XXXX MI located in XXXX. These transactions occurred in XX/XX/year> and were unauthorized. I have never made any purchases from this vendor and have never been to XXXX. \n\nOver the past two years, I have contacted Wells Fargo more than 20 times to report and resolve this issue. Despite my repeated efforts, my case has been marked pending for long periods and then closed with no refund or clear explanation. \n\nI also requested that Wells Fargo close my compromised credit card and reissue a new one, but my account remains open. Because of this, I am afraid to use it and have lost confidence in the banks ability to protect my funds. \n\nA quick online search shows this same merchant has been linked to fraudulent activity, which confirms that this was not an isolated incident. Wells Fargos lack of timely investigation and reimbursement violates Regulation E of the Electronic Fund Transfer Act, which requires prompt resolution of unauthorized transactions.\n\nI am requesting that the CFPB ensure Wells Fargo : 1. Reopens and escalates my fraud case immediately. \n2. Issues a full refund for all fraudulent charges from XX/XX/year>. \n3. Closes and replaces my credit card account to ensure future security.\n\n4. Provides a written explanation for why the case was closed despite clear evidence of fraud and repeated follow-up. \n\nI have attached a screenshot from my statement showing the fraudulent transactions for review.","date_sent_to_company":"2025-10-08T18:34:48.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"20171","tags":null,"has_narrative":true,"complaint_id":"16447664","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-10-08T18:20:55.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["Issues a <em>full</em> <em>refund</em> for all <em>fraudulent</em> charges from XX/XX/year>. \n3. Closes and replaces my credit card account to ensure future security.\n\n4. Provides a written explanation for why the case was closed despite clear evidence of fraud and repeated follow-up. \n\nI have attached a screenshot from my statement showing the <em>fraudulent</em> <em>transactions</em> for review."]},"sort":[19.781693,"16447664"]},{"_index":"complaint-public-v1","_id":"19346795","_score":19.723759,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/XXXX, at approximately XXXXXXXX XXXX PST, my Coinbase account experienced multiple unauthorized and fraudulent activities. At least six ( 6 ) or more consecutive fraudulent actions occurred within a short period of time. \n\nAt approximately XXXXXXXX XXXX an unauthorized individual gained access to my Coinbase account from a different state and locations that I have never been to and liquidated all of my derivatives positions without my permission. Immediately after liquidating my positions, the unauthorized user removed my linked bank account information, which I had been using since approximately XXXX, or since I originally opened my Coinbase account. \n\nShortly thereafter, the unauthorized user added two unauthorized bank accounts ( XXXX XXXX and XXXX  ). These accounts were not in my name and were not previously associated with my Coinbase profile. \n\nDuring this incident, my SMS text-message XXXX security was bypassed, and I did not receive any text message verification codes or authentication prompts. I also did not receive any suspicious activity warnings or security alerts through email. \n\nThe unauthorized user then initiated multiple withdrawals of my available funds to the newly added unauthorized bank accounts. After withdrawing my available balance, the unauthorized user used my Coinbase account to initiate an additional deposit from my linked XXXX XXXX  account, and within minutes, withdrew those newly deposited funds to the same unauthorized bank account. \n\nCoinbases security systems failed to prevent this unauthorized access and failed to trigger any suspicious activity alerts, despite unusual activity including liquidation of positions, removal of my long-standing linked bank account, addition of new bank accounts under different names, and multiple withdrawals within minutes. \n\nThis activity was not authorized by me, and I reported the incident promptly after discovering the fraudulent transactions. \n\nI am requesting that Coinbase immediately conduct a full investigation, reverse the unauthorized transactions, and issue a full refund for all losses related to this account takeover and unauthorized withdrawal activity.","date_sent_to_company":"2026-02-09T06:27:09.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"89052","tags":null,"has_narrative":true,"complaint_id":"19346795","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2026-02-09T05:47:12.000Z","state":"NV","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am requesting that Coinbase immediately conduct a <em>full</em> <em>investigation</em>, reverse the unauthorized <em>transactions</em>, and issue a <em>full</em> <em>refund</em> for all losses related to this account takeover and unauthorized withdrawal activity."],"issue":["Unauthorized <em>transactions</em> or other transaction problem"]},"sort":[19.723759,"19346795"]},{"_index":"complaint-public-v1","_id":"21836019","_score":19.69083,"_source":{"product":"Prepaid card","complaint_what_happened":"I am filing a XX/XX/XXXXcomplaint against Cash App regarding an unresolved unauthorized transaction and their failure to correct the issue after responding to my initial CFPB complaint. \n\nOn XX/XX/year>2026, multiple unauthorized transactions occurred on my account. Cash App acknowledged fraudulent activity by refunding several transactions from that same day, including XXXX XXXX {$8.00} ), XXXX ( {$21.00} ), and XXXX XXXX XXXX {$10.00} ). \n\nHowever, Cash App denied a {$100.00} XXXX transaction that occurred within the same timeframe and pattern of activity. \n\nIn their official response to my previous CFPB complaint, Cash App claimed that the transaction was authorized by me, or someone I authorized, but failed to provide any evidence supporting this conclusion. \n\nThey did not provide : - Proof that I was present at the transaction - Any identity or device verification linking me to the purchase - Any evidence that I authorized another person to use my card or PIN Their conclusion directly contradicts their own determination that other transactions from the same incident were unauthorized and refunded. \n\nDespite being given the opportunity through the CFPB complaint process to review and correct this issue, Cash App has failed to provide a consistent or evidence-based explanation. \n\nTheir reliance on PIN usage alone is not sufficient to establish authorization, particularly when I have consistently stated that I did not have my card in my possession at the time. \n\nResolution requested : I am requesting a full refund of {$100.00} for the unauthorized XXXX transaction. I am also requesting that this transaction be properly classified as unauthorized and that Cash App conduct a consistent and reasonable investigation. \n\nThis matter remains unresolved until the refund is issued and the transaction is correctly addressed.","date_sent_to_company":"2026-05-03T16:39:41.000Z","issue":"Problem with a purchase or transfer","sub_product":"General-purpose prepaid card","zip_code":"32907","tags":null,"has_narrative":true,"complaint_id":"21836019","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2026-05-03T16:30:18.000Z","state":"FL","company_public_response":null,"sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["Resolution requested : I am requesting a <em>full</em> <em>refund</em> of {$100.00} for the unauthorized XXXX transaction. I am also requesting that this transaction be properly classified as unauthorized and that Cash App conduct a consistent and reasonable <em>investigation</em>. \n\nThis matter remains unresolved until the <em>refund</em> is issued and the transaction is correctly addressed."]},"sort":[19.69083,"21836019"]},{"_index":"complaint-public-v1","_id":"21702461","_score":19.555086,"_source":{"product":"Debt collection","complaint_what_happened":"Months ago I filed a disputed against PayPal due to identity theft and fraud. I disputed tiktok due to fraud. I even appealed with PayPal I never got my money back but PayPal insisted they pay the merchant. I was owed money back due to fraud. When all else failed I contacted my bank fraud department and disputed it. They did charge backs and found in my favor. They stated payments were not linked to my and that the transaction should have automatically been picked up by PayPal as fraud. But instead PayPal constantly in a day or two after disputed these transactions they allowed the fraud to happen. My bank stated no money will be issued to PayPal because these transactions were done because of fraud. PayPal is constantly harassment is against the law and should stay as soon as possible. The transactions were fraudulent, and my bank confirmed this via a chargeback. When I did my disputes through PayPal. I had to continuously dispute them. Because PayPal kept making mistakes. And so they were being rejected. Non-stop, because they said it was posted under the incorrect way or done incorrectly. No matter what I did PayPal continuously issue credit back to the merchant. Me and my bank did not believe people did. Any kind of investigations? Instead, they just directly issued money back to the merchant. The reason why they were charged backs was because my bank knew that they were. In fact, fraud charges PayPal is continuously insisting that I pay them. The money that was charged back in which my bank stated. They will not be provided any funds back. PayPal denied my claims my appeals. But the bank approve it on my end. They issued a full refund on mayan from my bank. Now PayPal is trying to take funds away from my account. So I had no choice, because whoever was doing it continuously committed fraud. PayPal put it down at something called friendly fraud. But in my case, it was actual fraud, not friendly fraud. That is why my bank did a complete charge back. There is still money owed to me. That PayPal has yet to pay. And in which my bank is stating needs to be paid back. I had no choice but to change my banking information. Change all my card information. Because whoever did, it continued to do it now. PayPal did not investigate fulling, but in fact charge me money on my account. Putting it in a negative trying to collect a debt. That is not owed to them. But instead owe me money PayPal in turn refused to issue me. The refund in which my bank ended up disputing it for me. What my bank did also found we're transactions. We're n't even linked to my actual address. They weren't linked to my direct name. Nothing was matching up, but somehow PayPal found everything was okay. And they issued a refund to the merchant. At that point I also issued a identity.Theft form from ftc not only that, I saw complaints with the Attorney General in which that never got a response back. I also fly with consumer financial protection bureau. And I contacted my bank. So that is why the charges were charged back. Because they were complete fraud.So I need help stopping people out from their harassment. And to issue a full refund of any money old and to clear the account from any negative balances.","date_sent_to_company":"2026-04-29T11:21:33.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"17602","tags":null,"has_narrative":true,"complaint_id":"21702461","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-04-29T10:57:45.000Z","state":"PA","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["PayPal did not <em>investigate</em> <em>fulling</em>, but in fact charge me money on my account. Putting it in a negative trying to collect a debt. That is not owed to them. But instead owe me money PayPal in turn refused to issue me. The <em>refund</em> in which my bank ended up disputing it for me. What my bank did also found we're <em>transactions</em>. We're n't even <em>linked</em> to my actual address. They weren't <em>linked</em> to my direct name. Nothing was matching up, but somehow PayPal found everything was okay."]},"sort":[19.555086,"21702461"]},{"_index":"complaint-public-v1","_id":"16001331","_score":19.229122,"_source":{"product":"Checking or savings account","complaint_what_happened":"In XX/XX/XXXX, fraudulent charges from paddle.net began appearing on my Bank of America debit card. The first was {$8.00}, the second was {$41.00}, and since then I have been billed {$49.00} every month on the XXXX. I never signed up for this service XXXX XXXX XXXX XXXX XXXX XXXX and I do not have an account with them. \n\nOn XXXX XXXX, I used XXXX  transaction lookup tool and confirmed these charges are linked to an email address that is not mine. I have a screenshot proving this. \n\nI reported this to Bank of America and requested that all charges be refunded, that provisional credit be provided during the investigation, and that a new card be issued to block further charges. So far, Bank of America has not provided provisional credit or resolved the issue. \n\nThese are unauthorized fraudulent transactions. I am requesting full reimbursement for all charges since XX/XX/XXXX, immediate provisional credit, and confirmation that no further charges will occur. \n\nTransactions : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-09-17T15:42:24.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"342XX","tags":null,"has_narrative":true,"complaint_id":"16001331","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-09-17T15:22:29.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I reported this to Bank of America and requested that all charges be <em>refunded</em>, that provisional credit be provided during the <em>investigation</em>, and that a new card be issued to block further charges. So far, Bank of America has not provided provisional credit or resolved the issue. \n\nThese are unauthorized <em>fraudulent</em> <em>transactions</em>. I am requesting <em>full</em> reimbursement for all charges since XX/XX/XXXX, immediate provisional credit, and confirmation that no further charges will occur."]},"sort":[19.229122,"16001331"]},{"_index":"complaint-public-v1","_id":"13565196","_score":19.188656,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a complaint regarding unauthorized activity involving the company MoneyLion. Someone has fraudulently created a MoneyLion account using my personal information, including my Social Security number and bank account details ( checking and savings accounts ).\n\nOver the past two months, I have experienced unauthorized withdrawals from my accountsinitially small, consistent amounts of {$10.00}, and most recently a larger withdrawal of {$50.00}. These funds have been withdrawn without my knowledge or consent, and they appear to be linked to an account with MoneyLion that I did not create.\n\nI have contacted MoneyLion multiple times and provided copies of my bank statements showing the unauthorized transactions. However, they insist that I do not have an account with them and have since stopped responding to my inquiries. Despite presenting clear evidence of the withdrawals and their connection to MoneyLion, the company has failed to investigate or resolve the issue.\n\nI am extremely concerned that my personal and financial information has been compromised, and the ongoing unauthorized withdrawals are causing financial and emotional distress.\n\nI am seeking the following : An immediate investigation into the fraudulent account and the unauthorized transactions.\n\nA full refund of all withdrawn amounts.\n\nAssurance that my personal information is no longer being misused.\n\nSteps taken by MoneyLion to prevent further fraud involving my identity. \n\nThank you for your time and attention to this serious matter.","date_sent_to_company":"2025-05-17T03:00:04.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"77075","tags":null,"has_narrative":true,"complaint_id":"13565196","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MoneyLion Inc.","date_received":"2025-05-17T02:52:23.000Z","state":"TX","company_public_response":"Company can't verify or dispute the facts in the complaint","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Despite presenting clear evidence of the withdrawals and their connection to MoneyLion, the company has failed to <em>investigate</em> or resolve the issue.\n\nI am extremely concerned that my personal and financial information has been compromised, and the ongoing unauthorized withdrawals are causing financial and emotional distress.\n\nI am seeking the following : An immediate <em>investigation</em> into the <em>fraudulent</em> account and the unauthorized <em>transactions</em>.\n\nA <em>full</em> <em>refund</em> of all withdrawn amounts."]},"sort":[19.188656,"13565196"]},{"_index":"complaint-public-v1","_id":"14040820","_score":19.149937,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a complaint regarding unauthorized activity involving the company MoneyLion. Someone has fraudulently created a MoneyLion account using my personal information, including my Social Security number and bank account details ( checking and savings accounts ). Over the past 6+ months, I have experienced unauthorized withdrawals from my accounts initially small, but most recently a larger withdrawal of {$410.00}. These funds have been withdrawn without my knowledge or consent, and they appear to be linked to an account with MoneyLion that I did not create. I have contacted MoneyLion multiple times and provided copies of my bank statements showing the unauthorized transactions. However, they insist that I do not have an account with them and have since stopped responding to my inquiries. Despite presenting clear evidence of the withdrawals and their connection to MoneyLion, the company has failed to investigate or resolve the issue. I am extremely concerned that my personal and financial information has been compromised, and the ongoing unauthorized withdrawals are causing financial and emotional distress. I am seeking the following : An immediate investigation into the fraudulent account and the unauthorized transactions. A full refund of all withdrawn amounts. Assurance that my personal information is no longer being misused. Steps taken by MoneyLion to prevent further fraud involving my identity. Thank you for your time and attention to this serious matter.","date_sent_to_company":"2025-06-12T15:31:29.000Z","issue":"Incorrect information on your report","sub_product":"Checking account","zip_code":"37167","tags":null,"has_narrative":true,"complaint_id":"14040820","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MoneyLion Inc.","date_received":"2025-06-12T15:23:28.000Z","state":"TN","company_public_response":"Company can't verify or dispute the facts in the complaint","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am seeking the following : An immediate <em>investigation</em> into the <em>fraudulent</em> account and the unauthorized <em>transactions</em>. A <em>full</em> <em>refund</em> of all withdrawn amounts. Assurance that my personal information is no longer being misused. Steps taken by MoneyLion to prevent further fraud involving my identity. Thank you for your time and attention to this serious matter."]},"sort":[19.149937,"14040820"]},{"_index":"complaint-public-v1","_id":"18572022","_score":19.052952,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"> On XX/XX/year>, I used the Dave app to request a {$500.00} advance. The funds were deposited into my Dave account that same day. \n\nOn XX/XX/year>, while the funds were still there, multiple unauthorized transactions appeared, all labeled XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, totaling about {$500.00}. I did not authorize these transactions, and I have never used XXXX, never purchased XXXX XXXX, and never used my Dave digital card for any transaction. I live in XXXX, XXXX, not XXXX. \n\nThe fraudulent charges drained my advance, leaving only {$19.00} in the account. I immediately reported the issue to Dave, froze my card, and fully cooperated with their investigation. \n\nDave delayed the normal settlement date for repayment while they investigated, but then concluded the issue was not an error. Now they plan to withdraw {$500.00} from my linked Chime checking account on XX/XX/year>, forcing me to repay money I never received or used. \n\nI believe Daves denial violates my rights under Regulation E, which requires full reimbursement for unauthorized electronic fund transfers. There is no evidence that I authorized or benefited from these transactions. \n\nI am requesting the CFPB to require Dave to : XXXX. Reopen the fraud case for a manual review ; XXXX. Refund the {$500.00} in unauthorized charges ; and XXXX. Cancel or postpone the repayment withdrawal scheduled for XX/XX/year> until the issue is fully resolved. \n\n\n\nI have documentation of all transactions, the fraud report, and Daves investigation messages, which I can provide.","date_sent_to_company":"2026-01-08T18:12:31.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"89433","tags":null,"has_narrative":true,"complaint_id":"18572022","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Dave Operating, LLC","date_received":"2025-11-15T08:16:46.000Z","state":"NV","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I have documentation of all <em>transactions</em>, the fraud report, and Daves <em>investigation</em> messages, which I can provide."],"issue":["Unauthorized <em>transactions</em> or other transaction problem"]},"sort":[19.052952,"18572022"]},{"_index":"complaint-public-v1","_id":"18044620","_score":18.453503,"_source":{"product":"Prepaid card","complaint_what_happened":"CFPB Complaint Unauthorized XXXX  XXXX  Transactions/ PayPal Debit Mastercard To whom it may concern, My name is XXXX XXXX and I am filing a formal complaint regarding PayPal and the PayPal Debit Mastercard issuer for failing to properly investigate and refund multiple unauthorized transactions made to a merchant called XXXX  XXXX  in XXXX and XX/XX/year>. These charges were made without my knowledge or permission. \n\nDespite providing documents, screenshots, and a written response from the merchant stating the charges are not mine, PayPal repeatedly denied my disputes or closed them incorrectly. I am requesting intervention to enforce my rights under the Electronic Fund Transfer Act ( EFTA ) and Regulation XXXX. \n\nSummary of the Unauthorized Transactions XX/XX/year> Two unauthorized payments My PayPal Debit Mastercard was used at XXXX  XXXX, XXXX  XXXX  NJ on : XX/XX/year> XXXX USD XX/XX/year> XXXX USD These were not authorized, and I have statement evidence confirming both withdrawals. \n\nXX/XX/year> Five unauthorized payments When I first checked my XXXX activity page, I saw a XXXX XXXX  charge and filed a dispute immediately. \nLater, when I checked the full All Cases section, I discovered five XXXX XXXX XXXX charges, all of which were : Closed in the sellers favor Without investigation Without considering the merchants written email stating the transactions were not mine Without acknowledging the XXXX pattern The XXXX unauthorized debits include : Four charges of XXXX USD One charge of XXXX USD ( Exact amounts visible in the attached screenshots. ) This brings the total number of fraudulent XXXX XXXX transactions to seven. \n\nPayPals mishandling and contradictory case closures PayPal has taken the following actions : 1. They denied my first dispute within four days. \n\nReason : they claimed the activity was consistent with prior history. \nThis is incorrect. I have never used XXXX XXXX in my life. \n\n2. They closed one case in my favor but never refunded me.\n\nScreenshot attached. PayPal marked the case Case was closed in your favor, but no refund was ever issued. \n\n3. All the XXXX  XXXX  cases for XXXX were closed in the merchants favor, even after : I provided statements I provided transaction history I showed the XXXX pattern The merchant themselves confirmed it is not my activity I clearly stated that my phone may have been compromised 4. I was bounced between PayPal, Mastercard, and the issuing bank. \n\nMultiple representatives placed notes, hung up, or transferred me. One agent even opened a case and immediately closed it without adding evidence.\n\n5. PayPal failed to provide provisional credit, which is required by law if their investigation needs more time.\n\nMerchant response confirming the activity is not mine I contacted XXXX XXXX directly and they apologized, stating clearly that : The transactions were not associated with my account I needed to contact my card issuer for a refund They can not help because the transactions were not mine This directly contradicts PayPals position.\n\nWhy this violates Regulation E Under Regulation E, the issuer must : Conduct a reasonable investigation Provide provisional credit if the investigation is not complete within ten business days Provide clear reasoning for denial PayPal did none of these.\n\nInstead : They denied the dispute in four days They closed cases inconsistently They ignored merchant verification They claimed the charges were consistent with my history despite no evidence They did not review the full scope of the fraud They failed to link the XXXX and XXXX events PayPals handling is a direct violation of the EFTA. \n\nRequested Relief I respectfully request the CFPB to require PayPal and the issuing bank to : Refund all seven unauthorized XXXX XXXX  transactions ( XXXX and XXXX ). \n\nIssue written confirmation and correction of all mishandled disputes. \n\nProvide a complete investigation summary per Regulation E. \n\nEnsure no negative reporting or flags are placed on my account. \n\nAttached Evidence I am attaching : The XX/XX/year> statement showing two XXXX XXXX charges Screenshots of the five XX/XX/year> XXXX XXXX dispute denials Screenshot where PayPal says a case was closed in my favor with no refund The merchant email confirming the transactions are not mine My PayPal dispute history My written notes and timeline Thank you for your time and assistance. I am requesting a full investigation and a refund of all seven unauthorized transactions. \n\nSincerely, XXXX XXXX  Email : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX","date_sent_to_company":"2026-04-02T16:53:33.000Z","issue":"Problem with a purchase or transfer","sub_product":"General-purpose prepaid card","zip_code":"20721","tags":null,"has_narrative":true,"complaint_id":"18044620","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-12-01T00:07:58.000Z","state":"MD","company_public_response":null,"sub_issue":"Charged for a purchase or transfer you did not make with the card"},"highlight":{"complaint_what_happened":["Attached Evidence I am attaching : The XX/XX/year> statement showing two XXXX XXXX charges Screenshots of the five XX/XX/year> XXXX XXXX dispute denials Screenshot where PayPal says a case was closed in my favor with no <em>refund</em> The merchant email confirming the <em>transactions</em> are not mine My PayPal dispute history My written notes and timeline Thank you for your time and assistance. I am requesting a <em>full</em> <em>investigation</em> and a <em>refund</em> of all seven unauthorized <em>transactions</em>."]},"sort":[18.453503,"18044620"]},{"_index":"complaint-public-v1","_id":"15710463","_score":18.140242,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/year>2025, my phone was stolen. The thief accessed my XXXX XXXX account by resetting my PIN without my authorization. Using my linked Chase debit card, they made multiple unauthorized transfers on XXXX XXXX, 2025 between XXXX XXXX  and XXXX XXXX, totaling approximately {$4000.00}. Examples include : {$500.00} to XXXX XXXX ( XXXX AM ) {$500.00} to XXXX XXXX ( XXXX XXXX  ) {$690.00} to XXXX XXXX ( XXXX XXXX  ) {$500.00} to XXXX XXXX ( XXXX XXXX  ) {$500.00} to XXXX XXXX ( XXXX XXXX ) {$400.00} to XXXX XXXX ( XXXX XXXX  ) {$200.00} to XXXX XXXX ( XXXX XXXX  ) {$79.00} to XXXX XXXX ( XXXX XXXX  ) I discovered this the next morning and immediately : Reported the theft to XXXX XXXX XXXX and locked/deleted my device. \nReported the transactions to Chase Bank. \nReported to XXXX XXXX, who denied responsibility. \nFiled a police report with the XXXX and submitted an XXXX Internet Crime Complaint. \nSent Chase copies of the police report, XXXX confirmation, the XXXX XXXX  PIN reset email, and screenshots of the fraudulent transactions. \n\nThe investigating XXXX  detective ( badge number listed in the attached report ) has informed me that, with my permission, the XXXX will be issuing a subpoena to XXXX XXXX XXXX to obtain the identities and information of the recipients of these fraudulent XXXX XXXX transfers. \n\nDespite this evidence, Chase has not refunded the funds and continues to claim they need more evidence. It has now been over a month since my initial report. Under the Electronic Fund Transfer Act and Regulation E, Chase is required to investigate, provide provisional credit within 10 business days, and bear the burden of proving the transfers were authorized.\n\nI am requesting a full refund of the unauthorized transfers, as well as Chases compliance with Regulation E.","date_sent_to_company":"2025-09-05T01:57:13.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"11237","tags":null,"has_narrative":true,"complaint_id":"15710463","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-09-05T01:26:10.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Under the Electronic Fund Transfer Act and Regulation E, Chase is required to <em>investigate</em>, provide provisional credit within 10 business days, and bear the burden of proving the transfers were authorized.\n\nI am requesting a <em>full</em> <em>refund</em> of the unauthorized transfers, as well as Chases compliance with Regulation E."],"issue":["Unauthorized <em>transactions</em> or other transaction problem"]},"sort":[18.140242,"15710463"]},{"_index":"complaint-public-v1","_id":"20960093","_score":17.909626,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Dear XXXX  XXXX, And CFPB Team I am writing to formally complain about my dispute. XXXX  customer service not accept my dispute bcz my transaction over 90 days I want to clearly state that the transactions made via XXXX were unauthorized. I was a victim of a scam where my card details were compromised. \n\n\n\n\nOn XX/XX/XXXX And XXXX ( XXXX  ), I became a victim of a romance scam after interacting with an individual on a dating platform. During the interaction, I was asked to make a payment through a provided link. Although I attempted to make a payment, it did not go through successfully. \nLater that same day, multiple transactions were processed from my XXXX  debit card without my knowledge or authorization through XXXX or XXXX. I did not authorize these transactions, I do not have an account with XXXX payment account, and no one in my household is associated with these charges. \n\n\n\nI believe my debit card information was compromised through fraud. When I contacted the individual involved, they denied responsibility and subsequently blocked me and deleted all communication. \n\nDue to lack of awareness of my consumer rights, I did not immediately report these transactions. However, under Electronic Fund Transfer Act Regulation E, unauthorized electronic fund transfers include transactions made without the consumers authority, especially when access credentials are obtained fraudulently. \n\nI contacted XXXX  to dispute these transactions, but my dispute was not accepted due to the delay in reporting. \n\n\n\nWhy now asked you dispute it .I didn't know about the dispute before, but yesterday my uncle told me to do all this. \n\n\n\nUnauthorized transaction datils {$52.00} Transaction XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$50.00} XXXX XXXXXXXX {$100.00} Transaction XXXX My XXXX  account details First Name : XXXX Last Name : XXXX XXXX : XXXX Email : XXXX I respectfully request that XXXX  XXXX Conduct a thorough investigation into these unauthorized transactions Provide a full refund of {$650.00} Supply any documentation used in their investigation and decision I am a victim of fraud and did not authorize these transactions in any way. \n\nMy final demand : open my Dispute and refund my dollar I don't have XXXX payment or any XXXX payment relation. \nRefund my money or I'll filed a case on small Claim cort.","date_sent_to_company":"2026-04-05T16:14:18.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"30542","tags":null,"has_narrative":true,"complaint_id":"20960093","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-04-05T16:03:39.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["their <em>investigation</em> and decision I am a victim of fraud and did not authorize these <em>transactions</em> in any way."],"issue":["Unauthorized <em>transactions</em> or other transaction problem"]},"sort":[17.909626,"20960093"]},{"_index":"complaint-public-v1","_id":"4919860","_score":17.890638,"_source":{"product":"Checking or savings account","complaint_what_happened":"Summary : Fraud claim only partially resolved - missing $ XXXX fraudulently withdrawn money Link to the full complaint for ease of readability :XX/XX/XXXX XXXX? XX/XX/XXXXI was the victim of an identity theft with $ XXXX stolen. Thieves gain access to my online Chase profile and did the following on XX/XX/XXXX : a. performed an online transfer to a newly created fraudulentXX/XX/XXXX checking account in the amount of $ XXXX and withdrew money from that fraudulent account I dont have access to ( fraudulent account ending in XXXX ) XXXX Thieves also withdrew $ XXXX via three fraudulent debit ATM transactions ( $ XXXX, $ XXXX, $ XXXX ) made via a fraudulently ordered debit card ( my own checking account ending in XXXX ) Status as communicated by Chase XXXX I filed both claims A and B under one fraud declaration which was partially resolved and Im missing $ XXXX for Claim B. When inquiring Chase fraud team, they closed the case by only partially refunding the funds stolen by resolving claim A with a $ XXXX refund. Claim B of $ XXXX has not been investigated properly by the identity theft team who it appears received both claims but only resolved claim A. The Identity thief department should have passed on the declared unauthorized ATM transactions to the debit card fraud department for further investigation on claim B. Reason invoked by Chase Fraud Identity Thief team is that claim B is invalid as these transactions are coming from my regular therefore legit checking account. According to first investigation, these other declared transactions come your current checking account are legit as they are coming from your current checking account. The reality is that the thieves accessed my online account and operated from my checking account as well. \n\n-> I have proof that these transactions were made from a new debit card fraudulently ordered and sent to a postal address in XXXX which is not my home. On XX/XX/XXXX ( day of the withdrawal ), I was at home working while these unauthorized transactions were performed somewhere else. I can provide proof that I was physically working from home with work meetings and these transactions are fraudulent. I formally asking Chase to look at this again. \n\nHistory : XX/XX/XXXX : Fraud team called me notifying me of these large amount unauthorized transactions. \nThe day it happened, I immediately went to a branch to report the fraud. The private Client Banker under the name of XXXX XXXX XXXX XXXX ) helped me trace all fraud transactions including a newly created checking account which I did have access to. I reported to the police ALL claims A and B on XX/XX/17. \nI called Fraud department team asking for clarification on the declaration process : incorrect information was provided to me : FULL police report needs to be attached to a fraud declaration. I waited for the police to send me the report until I learned that a police report doesnt get sent : it is only filed but can not be mailed and shared in full to the filler for security reasons. \n\nXX/XX/XXXX : I called again the fraud team sharing this info, Ive given a new piece of information from another customer rep which is that in fact only the police report ID needs to be provided in the fraud declaration. This miscommunication made me waste a couple of precious days in filing this claim. I immediately went back to the branch and filed with client banker XXXX XXXX XXXX a declaration for all fraudulent transactions with an affidavit, clear explanation of all fraudulent transactions ( claim A & B ) and the police report ID ( which has all transactions ). Attached is the screenshot of XXXX computer providing the fax report ID to prove that I filed this from Chases branch for the day of this declaration was filed. \n\nXX/XX/XXXX : FraudulentXX/XX/XXXX checking account was closed and no communication was sent back to me by any Chase team about the investigation until I noticed 10K refunded on my checking account. I immediately filed again an escalation with branch manager XXXX XXXX XXXX to get the remaining XXXX  fraudulent ATM transactions of $ XXXX refunded. \n\nXX/XX/XXXX : again no communication sent by Chase Fraud team other than a letter sent to my online account on that day. Claim rejected claiming that the declaration has been filed outside of the XXXX days allowed timeline from the day of the unauthorized transaction. \nFirst it appears that the claim was sent to yet again the wrong department as its been received by the fraudulent check team even though these are fraudulent debit card withdrawals. Second they didnt event looked at the previously filed claim as we specifically requested. I suspect Chase fraud only looks at one account ID at a time while in my case thieves stole from multiple accounts ( details attached ). \nI immediately requested with private banker XXXX to reinstate claiming that a previous declaration was already filed on XX/XX/XXXX ( filed within the allowed timeline despite the delay caused by the miscommunication about the Police report needed to be provided in full ). \n\nXXXX XXXX Chase Fraud requested to speak with me- turns out they wanted to make sure I wanted to reinstate the escalation. Another bureaucratic time waste which delayed for yet a couple more days to initiate this investigation. \n\nXXXX XXXX : case rejected claiming that this was filed outside of acceptable timeline. \n\nDuring all this time, both private banker XXXX and myself had multiple phone conversations with Fraud departments. XXXX called about XXXX  times fraud departments re-explaining the case. I called XXXX times spending on average XXXX hours with a consistent rejection of either XX/XX/XXXXand myselfs formal request to reinstate the very first claim from XXXX. \n\nConversations on the phone with XXXX team were unproductive for various reasons : bureaucratic loopholes betweens departments Identity theft vs fraudulent checks ( customer representatives not able to access files from different departments ), fraud teams mixing account numbers claiming it was incorrectly filed ( thieves stole money from two accounts ), incorrect information provided by fraud customer representatives e.g : fraud manager claiming I havent filed case on time, case filed to the wrong department is my fault ( although these are not fraudulent checks but debit card transactions ). On two occasions the fraud customer representatives hung up on me. \nNet net everyone XXXX and I talked to at the fraud department refused to grant our request to have fraud B. re-investigated by the appropriate team. \n\nPrivate Banker XXXX can vouch for my good will in providing all details right on time with all evidence the very same day this fraud happened. I have attached in this claim all statements including : - policy report - screenshot of the fax ID of the initial claim I filed in the acceptable timeframe - copy of the fraudulent debit card mailed to another location which is NOT my home - bank statements highlighting the ATM fraudulent transactions of 7K, 7K and 3K which Im asking refund for ( account ending in XXXX ) - copies of the XXXX ewithdrawals from account XXXX - bank statement of the $ XXXX transferred ( attached for reference as this has already been refunded by chase - account ending in XXXX )","date_sent_to_company":"2021-11-17T16:22:42.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"11692","tags":null,"has_narrative":true,"complaint_id":"4919860","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-11-17T16:06:39.000Z","state":"NY","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Summary : Fraud claim only partially resolved - missing $ XXXX <em>fraudulently</em> withdrawn money <em>Link</em> to the <em>full</em> complaint for ease of readability :XX/XX/XXXX XXXX? XX/XX/XXXXI was the victim of an identity theft with $ XXXX stolen."]},"sort":[17.890638,"4919860"]},{"_index":"complaint-public-v1","_id":"15206395","_score":17.88766,"_source":{"product":"Checking or savings account","complaint_what_happened":"To Whom It May Concern, I am writing to report a fraudulent transaction that occurred on my Chime account less than 24 hours after it was opened. This situation is deeply concerning, as it indicates a serious breach of account security at a time when no legitimate transactions had even been made by me.\n\nShortly after activating my Chime account, an unauthorized charge of {$35.00} was withdrawn. I did not initiate or approve this transaction in any way. Upon further investigation, I was able to identify a phone number linked to the individual who committed this fraud. I have strong reason to believe this person may be engaged in illicit activity, including prostitution, based on publicly available information associated with the number and the context of the transaction.\n\nTo be clear : The account was newly opened and had no prior activity initiated by me. \n\nA fraudulent {$35.00} transaction was made without my consent. \n\nI have the phone number of the suspected thief, which I am prepared to share with Chime security or law enforcement. \n\nThis was an immediate breach of trust and security on a platform I expected to be safe and reliable. \n\nAs the victim of this unauthorized transaction, I am requesting immediate compensation of the stolen {$35.00} and a full investigation into how this individual gained access to make a withdrawal from my account. I would also like steps taken to prevent any further unauthorized activity, including freezing or securing the account until this matter is fully resolved. Also with being a checking account, with any disputes you are supposed to be refunded immediately. \n\nI am prepared to provide any additional documentation or details required to assist in resolving this issue as quickly as possible. \n\nThank you for your immediate attention to this serious matter. I trust Chime will take this issue seriously and act promptly to refund the stolen funds and investigate the source of the breach. \n\nSincerely, XXXX XXXX XXXX XXXX XX/XX/XXXX Thief Phone Number : XXXX XX/XX/year>","date_sent_to_company":"2025-08-11T22:40:44.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"207XX","tags":null,"has_narrative":true,"complaint_id":"15206395","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-08-11T22:30:35.000Z","state":"MD","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I trust Chime will take this issue seriously and act promptly to <em>refund</em> the stolen funds and <em>investigate</em> the source of the breach. \n\nSincerely, XXXX XXXX XXXX XXXX XX/XX/XXXX Thief Phone Number : XXXX XX/XX/year>"]},"sort":[17.88766,"15206395"]},{"_index":"complaint-public-v1","_id":"15268901","_score":17.865782,"_source":{"product":"Checking or savings account","complaint_what_happened":"Complaint Against Bank of America ( Ongoing Fraudulent Practices ) I am filing a formal complaint against Bank of America ( BoA ) for what I believe to be deliberate misconduct involving the withholding of funds, misrepresentation of posted transactions, and the disappearance of refunds and balances from my account. \n\nBack in XX/XX/year>, I placed a dispute for two transactions. I was told by BoA representatives that the transactions had not posted. However, they are clearly still reflected on my account statement as paid. Despite repeated requests, BoA has failed to explain why these charges are visible on my statement but not reflected in my available balance. Their repeated excuse is that the \" transaction didnt post '' yet they can not explain the account imbalance. \n\nIve experienced multiple instances of : Refunds vanishing : For example, a refund from XXXX was processing, then suddenly disappeared from my account without explanation or return of funds. Card declines with money removed : I attempted a transaction with XXXX, which was declined. The order was cancelled, but the amount was still debited from my account and never returned. This has happened more than once. Merchants changing mid-transaction or being listed inconsistently on my statements. Ongoing card restrictions and fraud flags, even after calling the fraud department to clear them, which seems to be part of a pattern to disrupt access to my funds. I believe Bank of America is engaging in intentional deceptive banking practices, including the withholding or misappropriation of funds, mismanagement of disputes, and possibly money laundering or manipulation through backend transaction processing. \n\nI am requesting a full investigation into : The XX/XX/year> dispute and why charges deemed \" not posted '' are still reflected on my statement. All recent transactions where the card was declined but funds were still debited and not returned ( notably XXXX and XXXX ). \nThe systemic issue of missing or reversed refunds. I have retained screenshots and statements showing these discrepancies and am prepared to provide documentation upon request. \nConsumers must be protected from these deceptive financial practices. I urge your office to hold Bank of America accountable for these unresolved, harmful actions. \n\nAdditionally, I have identified transactions posting to my account under the last four digits of a card I do not own. This card number does not belong to me, and I have never authorized or used it. Despite the fact that my actual card is locked, new charges are still being posted to my account. This strongly suggests either : Internal system failures within Bank of America Unauthorized account linking or identity compromise A deliberate override of card lock protections Bank of America has failed to explain how this can happen or investigate properly. This is unacceptable and raises serious concerns about account security and fraud prevention.","date_sent_to_company":"2025-08-13T10:10:21.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"20743","tags":null,"has_narrative":true,"complaint_id":"15268901","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-08-13T10:01:06.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["Complaint Against Bank of America ( Ongoing <em>Fraudulent</em> Practices ) I am filing a formal complaint against Bank of America ( BoA ) for what I believe to be deliberate misconduct involving the withholding of funds, misrepresentation of posted <em>transactions</em>, and the disappearance of <em>refunds</em> and balances from my account. \n\nBack in XX/XX/year>, I placed a dispute for two <em>transactions</em>. I was told by BoA representatives that the <em>transactions</em> had not posted."]},"sort":[17.865782,"15268901"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":109,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":109}]}},"product":{"doc_count":109,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":47,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":43},{"key":"Other banking product or service","doc_count":3},{"key":"Savings account","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":35,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mobile or digital wallet","doc_count":21},{"key":"Domestic (US) money transfer","doc_count":7},{"key":"Virtual 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