{"took":120,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":5246,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3870346","_score":13.285521,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"XX/XX/2020 - Encountered numerous fraudulent international transactions emptying my account balance of {$10000.00} including {$190.00} of international transaction fees incurred in this activity. \nXX/XX/2020 - XX/XX/2020 - Several calls to file claims to resolve fraudulent transactions and was told the investigation would be completed by XX/XX/2020. \nXX/XX/2020 - Credit to balance applied to current balance {$9900.00} ( fees have not been reversed ) XX/XX/2020 - Have not received any correspondence about completion status of investigation. \nXX/XX/2020 - Called to inquire status of investigation, advised it was still open. I indicated fees {$190.00} were still outstanding and had yet to be reversed and was told the bank has to do that. \nXX/XX/2020 - {$190.00} fees have yet to be reversed and I have not yet received notice of completion of investigation.","date_sent_to_company":"2020-09-29T13:32:16.000Z","issue":"Unexpected or other fees","sub_product":"Government benefit card","zip_code":"48340","tags":"Servicemember","has_narrative":true,"complaint_id":"3870346","timely":"No","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2020-09-29T13:11:21.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["<em>XX/XX</em>/2020 - {$190.00} fees <em>have</em> yet to be <em>reversed</em> and I <em>have</em> not yet received notice of completion of <em>investigation</em>."]},"sort":[13.285521,"3870346"]},{"_index":"complaint-public-v1","_id":"3561916","_score":13.1579895,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"See attatched XX/XX/XXXX FRAUD LETTER XX/XX/XXXX, FRAUD LETTERS. * credit we deposited at the beginning of investigation HAVE BEEN REVERSED. see attatched XX/XX/XXXX statement of transactions. ONLY CREDITS ARE MERCHANTS {$340.00}. NO NONE NO USAA CREDITS PROVIDED.!! USAA REVERSES CREDITS NEVER PROVIDED.","date_sent_to_company":"2020-03-11T04:23:48.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"337XX","tags":"Older American","has_narrative":true,"complaint_id":"3561916","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2020-03-11T00:11:21.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["See attatched XX/XX/<em>XXXX</em> FRAUD LETTER XX/XX/<em>XXXX</em>, FRAUD LETTERS. * credit we deposited at the beginning of <em>investigation</em> <em>HAVE</em> <em>BEEN</em> <em>REVERSED</em>. see attatched XX/XX/<em>XXXX</em> statement of transactions. ONLY CREDITS ARE MERCHANTS {$340.00}. NO NONE NO USAA CREDITS PROVIDED.!! USAA <em>REVERSES</em> CREDITS NEVER PROVIDED."]},"sort":[13.1579895,"3561916"]},{"_index":"complaint-public-v1","_id":"8191049","_score":13.036592,"_source":{"product":"Debt collection","complaint_what_happened":"I paid XXXX or XXXX bank for a debt that I owed. A few weeks later a collections agency, called LVNV Funding, said I owed them the debt. I called, told them I paid it off and they should reach out to whoever they purchased the debt from. I was told they needed to do an investigation into it would take 15 days. \n\nWhen I called back they said the debt had been paid but It could not be reversed from my credit. \n\nI want this reversed off of my credit report because I don't want this to show that I've had a recent collection. I never paid them and I don't owe them and I have the screenshot from my statement to show it. \n\nI called them and told them they need to reverse it. They just said they could only report that it had been paid not that it could not be reversed. I've tried calling twice but have gotten the same answer. I need this to be reversed. \n\nI have tried reasoning with XXXX and they said there was nothing they could do and I would have to deal with the collections agency. \n\nWhos responsible? and how does this get reversed?","date_sent_to_company":"2024-01-21T05:45:18.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"98033","tags":null,"has_narrative":true,"complaint_id":"8191049","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2024-01-21T05:19:23.000Z","state":"WA","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["I paid <em>XXXX</em> or <em>XXXX</em> bank for a debt that I owed. A few weeks later a collections agency, called LVNV Funding, said I owed them the debt. I called, told them I paid it off and they should reach out to whoever they purchased the debt from. I was told they needed to do an <em>investigation</em> into it would take 15 days. \n\nWhen I called back they said the debt had <em>been</em> paid but It could not be <em>reversed</em> from my credit."]},"sort":[13.036592,"8191049"]},{"_index":"complaint-public-v1","_id":"8191601","_score":13.030779,"_source":{"product":"Debt collection","complaint_what_happened":"I paid XXXX or Avant bank for a debt that I owed. A few weeks later a collections agency, called XXXX XXXX, said I owed them the debt. I called, told them I paid it off and they should reach out to whoever they purchased the debt from. I was told they needed to do an investigation into it would take 15 days. \n\nWhen I called back they said the debt had been paid but It could not be reversed from my credit. \n\nI want this reversed off of my credit report because I don't want this to show that I've had a recent collection. I never paid them and I don't owe them and I have the screenshot from my statement to show it. \n\nI called them and told them they need to reverse it. They just said they could only report that it had been paid not that it could not be reversed. I've tried calling twice but have gotten the same answer. I need this to be reversed. \n\nI have tried reasoning with XXXXAvant and they said there was nothing they could do and I would have to deal with the collections agency. \n\nWhos responsible? and how does this get reversed?","date_sent_to_company":"2024-01-21T05:45:26.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"98033","tags":null,"has_narrative":true,"complaint_id":"8191601","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Avant Holding Company, Inc.","date_received":"2024-01-21T05:45:23.000Z","state":"WA","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["I paid <em>XXXX</em> or Avant bank for a debt that I owed. A few weeks later a collections agency, called <em>XXXX</em> <em>XXXX</em>, said I owed them the debt. I called, told them I paid it off and they should reach out to whoever they purchased the debt from. I was told they needed to do an <em>investigation</em> into it would take 15 days. \n\nWhen I called back they said the debt had <em>been</em> paid but It could not be <em>reversed</em> from my credit."]},"sort":[13.030779,"8191601"]},{"_index":"complaint-public-v1","_id":"8282122","_score":13.015743,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I havent been using my Wayfair credit card for a long time and out of the blue, I was notified that a transaction of XXXX} was made under my account from XXXX XXXX on XX/XX/XXXX. \n\nI called Citi, the credit company for Wayfair to reverse the charge as it was fraudulent as I havent used my card for a long time and dont have the physical card with me anymore and the support agent told me that they will reverse the charges. \n\nOn XX/XX/XXXX, I was charged again by the same vendor XXXX XXXX for the same amount XXXX I also found out that they have charged late fees on the XX/XX/XXXX transaction of {XXXX Turns out, they never reversed it. I called their support and asked them to reverse these charges as these were not made by me and I also asked them to close my account to prevent these from happening again. \n\nOn XX/XX/XXXX- they charged me for late fees of XXXX plus XXXX minimum charge fee. They never reversed anything in my account when I have repeatedly asked for them to reverse any charges that were made in my account. I asked the support agent to reverse these and I was promised that they will fixed it. \n\nThe same thing happened in XXXX XXXX- they also charged me XXXX} late fee plus XXXX minimum charge. But didnt found out until XX/XX/XXXX where I was notified through my XXXX account that my Citi Wayfair Credit Card has been flagged delinquent for 90 days and that my credit score has decreased from XXXX to XXXX which has been really frustrating because I have called multiple times, asking them to reverse the charges from my account. I have been communicating to them from the beginning and then they flagged my account as delinquent which made me question their process. Are they not flagging accounts with reported fraudulent transactions in them? It must be straightforward that because I flagged those transactions as fraud then Im not liable for those therefore my account shouldnt be flagged as delinquent.\n\nI spoke to an agent around December 20-30, 2023 and she finally reversed fees. The only problem I have now is my credit score. And so I also asked her if she could submit a report to credit bureau stating that what happened to my account stemmed from a fraudulent transaction and that my credit score should not be impacted and it needs to be adjusted back to score XXXX. \n\nAround XX/XX/XXXX I received a letter from XXXX stating that my account with Wayfair is accurate and that they are not adjusting back my credit score. This is not fair my part. Wayfair agents have acknowledged that they made an error but their investigation says otherwise and that report information is whats feeding into the credit bureau. I am not sure how are they reporting my case to their investigation team. Are they leaving notes of the issue? I feel like there is a disconnect between the agents and their investigation team. I personally think Citi Wayfair Credit is not taking my case seriously and their investigation team is not looking into my account thoroughly. I reached out to them on XXXX XXXX and their agent have acknowledged my issue and that he submitted a report to fix my credit score but I received a letter from Wayfair saying that based on their investigation my account is accurate and so they are not doing anything to fix my credit score. I am not sure which part of my account that is accurate they are looking into. At this point I am so tired with all these back and forth and want to get ahold of their upper management to fix this. \n\nI worked hard all my life and been responsible to my finances. I am on time with my payments. I never had late payments and this incident and experience I had with Citi/Wayfair card has been so frustrating. \n\nIts not fair that I am being affected when its their fault of not updating my account on a timely manner as requested. Its so hard to get ahold of someone in Citi Wayfair Credit Card who can expedite the request for me. Their support chat is not working. I had to call multiple times and get passed on to different departments. They have neglected my request to reverse my charges on time. They kept saying that they have reversed it and that I will need to wait on the next cycle to reflect in my statement when in fact the next time I check, they never truly reversed or fixed anything. \n\nI am writing this to report them and get help to have this expedited. I dont want this to happen to anyone, I know there people that are working so hard to pay their bills on time. I believe I have the right to dispute any errors on my account and I will advocate for this until its fixed by Citi Wayfair Credit Card.","date_sent_to_company":"2024-02-04T18:00:43.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"94538","tags":null,"has_narrative":true,"complaint_id":"8282122","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-02-04T16:08:34.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["But didnt found out until XX/XX/<em>XXXX</em> where I was notified through my <em>XXXX</em> account that my Citi Wayfair Credit Card has <em>been</em> flagged delinquent for 90 days and that my credit score has decreased from <em>XXXX</em> to <em>XXXX</em> which has <em>been</em> really frustrating because I <em>have</em> called multiple times, asking them to <em>reverse</em> the charges from my account. I <em>have</em> <em>been</em> communicating to them from the beginning and then they flagged my account as delinquent which made me question their process."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[13.015743,"8282122"]},{"_index":"complaint-public-v1","_id":"8282073","_score":13.0122175,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I havent been using my XXXX credit card for a long time and out of the blue, I was notified that a transaction of {$16.00} was made under my account from XXXX XXXX on XX/XX/XXXX. \n\nI called XXXX, the credit company for XXXX to reverse the charge as it was fraudulent as I havent used my card for a long time and dont have the physical card with me anymore and the support agent told me that they will reverse the charges. \n\nOn XX/XX/XXXX, I was charged again by the same vendor XXXX XXXX for the same amount {$16.00}. I also found out that they have charged late fees on the XX/XX/XXXX transaction of {$16.00}. Turns out, they never reversed it. I called their support and asked them to reverse these charges as these were not made by me and I also asked them to close my account to prevent these from happening again. \n\nOn XX/XX/XXXX- they charged me for late fees of {$29.00} plus {$2.00} minimum charge fee. They never reversed anything in my account when I have repeatedly asked for them to reverse any charges that were made in my account. I asked the support agent to reverse these and I was promised that they will fixed it. \n\nThe same thing happened in XXXX XXXX- they also charged me {$29.00} late fee plus {$2.00} minimum charge. But didnt found out until XX/XX/XXXX where I was notified through my transunion account that my XXXX XXXXXXXX Credit Card has been flagged delinquent for 90 days and that my credit score has decreased from XXXX to XXXX which has been really frustrating because I have called multiple times, asking them to reverse the charges from my account. I have been communicating to them from the beginning and then they flagged my account as delinquent which made me question their process. Are they not flagging accounts with reported fraudulent transactions in them? It must be straightforward that because I flagged those transactions as fraud then Im not liable for those therefore my account shouldnt be flagged as delinquent. \n\nI spoke to an agent around XXXX XXXX XXXX  and she finally reversed fees. The only problem I have now is my credit score. And so I also asked her if she could submit a report to credit bureau stating that what happened to my account stemmed from a fraudulent transaction and that my credit score should not be impacted and it needs to be adjusted back to score XXXX. \n\nAround XX/XX/XXXX I received a letter from TransUnion stating that my account with XXXX is accurate and that they are not adjusting back my credit score. This is not fair my part. XXXX agents have acknowledged that they made an error but their investigation says otherwise and that report information is whats feeding into the credit bureau. I am not sure how are they reporting my case to their investigation team. Are they leaving notes of the issue? I feel like there is a disconnect between the agents and their investigation team. I personally think XXXX XXXX XXXX is not taking my case seriously and their investigation team is not looking into my account thoroughly. I reached out to them on XXXX XXXX and their agent have acknowledged my issue and that he submitted a report to fix my credit score but I received a letter from XXXX saying that based on their investigation my account is accurate and so they are not doing anything to fix my credit score. I am not sure which part of my account that is accurate they are looking into. At this point I am so tired with all these back and forth and want to get ahold of their upper management to fix this.\n\nI worked hard all my life and been responsible to my finances. I am on time with my payments. I never had late payments and this incident and experience I had with XXXX XXXX has been so frustrating. \n\nIts not fair that I am being affected when its their fault of not updating my account on a timely manner as requested. Its so hard to get ahold of someone in XXXX XXXX Credit Card who can expedite the request for me. Their support chat is not working. I had to call multiple times and get passed on to different departments. They have neglected my request to reverse my charges on time. They kept saying that they have reversed it and that I will need to wait on the next cycle to reflect in my statement when in fact the next time I check, they never truly reversed or fixed anything. \n\nI am writing this to report them and get help to have this expedited. I dont want this to happen to anyone, I know there people that are working so hard to pay their bills on time. I believe I have the right to dispute any errors on my account and I will advocate for this until its fixed by XXXX XXXX Credit Card.","date_sent_to_company":"2024-02-04T18:00:49.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"94538","tags":null,"has_narrative":true,"complaint_id":"8282073","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-02-04T18:00:47.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["But didnt found out until XX/XX/<em>XXXX</em> where I was notified through my transunion account that my <em>XXXX</em> XXXXXXXX Credit Card has <em>been</em> flagged delinquent for 90 days and that my credit score has decreased from <em>XXXX</em> to <em>XXXX</em> which has <em>been</em> really frustrating because I <em>have</em> called multiple times, asking them to <em>reverse</em> the charges from my account. I <em>have</em> <em>been</em> communicating to them from the beginning and then they flagged my account as delinquent which made me question their process."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[13.0122175,"8282073"]},{"_index":"complaint-public-v1","_id":"7157415","_score":12.964649,"_source":{"product":"Checking or savings account","complaint_what_happened":"Reference no : XXXX Wells Fargo is purposely reversing claims after the accounts have been closed and the issue was resolved. XXXX XXXX charged an annual fee for {$100.00} after my laptop had just been purchased after 2 weeks. This transaction occurred through my XXXX account. \n\nThe claim was filed on XXXX. I am no longer affiliated with Wells Fargo. This is the second reversed claim that Ive received after leaving the bank. \n\nThis bank should be investigated for its practices.","date_sent_to_company":"2023-06-24T02:50:46.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"78634","tags":null,"has_narrative":true,"complaint_id":"7157415","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-06-24T02:40:42.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Reference no : <em>XXXX</em> Wells Fargo is purposely <em>reversing</em> claims after the accounts <em>have</em> <em>been</em> closed and the issue was resolved. <em>XXXX</em> <em>XXXX</em> charged an annual fee for {$100.00} after my laptop had just <em>been</em> purchased after 2 weeks. This transaction occurred through my <em>XXXX</em> account. \n\nThe claim was filed on <em>XXXX</em>. I am no longer affiliated with Wells Fargo. This is the second <em>reversed</em> claim that Ive received after leaving the bank. \n\nThis bank should be <em>investigated</em> for its practices."]},"sort":[12.964649,"7157415"]},{"_index":"complaint-public-v1","_id":"7362046","_score":12.957825,"_source":{"product":"Debt collection","complaint_what_happened":"Reference no : XXXX Wells Fargo is purposely reversing claims after the accounts have been closed and the issue was resolved. XXXX XXXX charged an annual fee for {$100.00} after my laptop had just been purchased after 2 weeks. This transaction occurred through my XXXX account. The claim was filed on XX/XX/19. I am no longer affiliated with Wells Fargo. This is the second reversed claim that Ive received after leaving the bank. This bank should be investigated for its practices.","date_sent_to_company":"2023-08-08T01:05:11.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"78634","tags":null,"has_narrative":true,"complaint_id":"7362046","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-08-08T00:31:46.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Reference no : <em>XXXX</em> Wells Fargo is purposely <em>reversing</em> claims after the accounts <em>have</em> <em>been</em> closed and the issue was resolved. <em>XXXX</em> <em>XXXX</em> charged an annual fee for {$100.00} after my laptop had just <em>been</em> purchased after 2 weeks. This transaction occurred through my <em>XXXX</em> account. The claim was filed on <em>XX/XX</em>/19. I am no longer affiliated with Wells Fargo. This is the second <em>reversed</em> claim that Ive received after leaving the bank. This bank should be <em>investigated</em> for its practices."]},"sort":[12.957825,"7362046"]},{"_index":"complaint-public-v1","_id":"7136048","_score":12.946736,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/2023, my credit card was charged for 3 fraudulent charges- {$5.00}, {$19.00} and {$79.00}. I immediately notified the Fraud Department at Synchrony Bank and was told a Fraud Claim would be opened. \nOn XX/XX/2023, letter received from the Fraud Department - Fraud Claim approved and charges will be reversed in 10 days. The charges were not reversed in 10 days.\n\nOn XX/XX/2023 Fraud Department stated I did not need to make a payment during the investigation process. No interest or late charges would be assessed. Interest and Late Charge has been assessed. \nOn XX/XX/2023, a charge of {$28.00} \" transfer from XXXX '' appeared on my account. \nOn XX/XX/2023, checked on progress of investigation- it will take 60 days. \nIn May, I called the Fraud Department again to report interest and {$28.00} charged to my account. I was told all charges and interest will be reversed. Again, did not happen. \nXXXX XXXX, I sent a letter to Synchrony Bank outlining the fraud and all the phone calls I had made and the broken promises that had been made to me. To date, there has not been a response to my letter. \nOn XX/XX/2023, my husband called and was told that the claim had been resolved in my favor. However, no charges, interest or Late Charge ( recently charged for non-payment ) have been reversed as was promised. \nIn summary, I have had to make many follow-up phone calls, received several unfulfilled promises and after nearly 6 months still do not have a resolution.","date_sent_to_company":"2023-06-19T22:29:27.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"799XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"7136048","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2023-06-19T21:43:57.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em>, I sent a letter to Synchrony Bank outlining the fraud and all the phone calls I had made and the broken promises that had <em>been</em> made to me. To date, there has not <em>been</em> a response to my letter. \nOn <em>XX/XX</em>/2023, my husband called and was told that the claim had <em>been</em> resolved in my favor. However, no charges, interest or Late Charge ( recently charged for non-payment ) <em>have</em> <em>been</em> <em>reversed</em> as was promised."]},"sort":[12.946736,"7136048"]},{"_index":"complaint-public-v1","_id":"19632104","_score":12.873309,"_source":{"product":"Checking or savings account","complaint_what_happened":"I accidentally deposited a check into XXXX different accounts. It cleared and was deposited into the other bank and reversed on my Bank of America account, but they decided the one mistake was deposit fraud and closed my account. They never credited my account for the check that was reversed, and I had {$5500.00} worth of deposits go into the account after they closed it, which they have been refusing to give me for XXXX months. \n\nThe account was closed on XX/XX/XXXX. It is now XX/XX/XXXX and they are still telling me that they arent sending my money until they finish investigating the check that was reversed after never being credited to the account.","date_sent_to_company":"2026-02-19T20:32:51.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"719XX","tags":"Servicemember","has_narrative":true,"complaint_id":"19632104","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-02-19T20:21:53.000Z","state":"AR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["I accidentally deposited a check into <em>XXXX</em> different accounts. It cleared and was deposited into the other bank and <em>reversed</em> on my Bank of America account, but they decided the one mistake was deposit fraud and closed my account. They never credited my account for the check that was <em>reversed</em>, and I had {$5500.00} worth of deposits go into the account after they closed it, which they <em>have</em> <em>been</em> refusing to give me for <em>XXXX</em> months. \n\nThe account was closed on XX/XX/<em>XXXX</em>."]},"sort":[12.873309,"19632104"]},{"_index":"complaint-public-v1","_id":"3556749","_score":12.81971,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX charged my debit card two charges of {$73.00} on XX/XX/2020. I called my bank they said they would investigate and gave me a provisional credit. I also called XXXX  who acknowledged the charges were not vaild and said they would refund the monies. I received a refund for one of the charges on XX/XX/2020. I called XXXX and they said they had submitted and gotten an approval for both of the charges and assured me it was done. I have not received a refund for the second charge and I have been in communication with XXXX who states they are refunding the other charge. \n\nMeanwhile my bank reversed one of the provisional credits when one of the refunds came through. then the bank sent a letter on XX/XX/XXXX stating that it had investigated and determined there was no error so they reversed the second provisional credit. Throughout it all daily I have been in contact with XXXX  who last stated ( Monday  XX/XX/XXXX ) that I should have my credit by Wednesday  XX/XX/XXXX. It is Friday XX/XX/XXXX and I still have not received my refund. \n\nMy checking account is in the negative. I have been charged overdrafts fees and I will continue to receive overdraft fees because of this error. My bank SunTrust lied and said they did an investigation. If they had spoken to XXXX on my behalf. They would not have reversed the provisional credit, in fact they would most likely have ensured XXXX refunded my money in a timely manner or simply reversed the charge themselves. \n\nI feel there is no excuse for the incompetence XXXX has shown in charging my account and in its ability to correct the error in a timely manner. \n\nI feel there is no excuse for SunTrust in failing to investigate the error and have it corrected in a timely manner. I can only assume that because it is a small amount and I don't have millions in my bank that they simply do not care.","date_sent_to_company":"2020-03-06T12:21:06.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"23608","tags":null,"has_narrative":true,"complaint_id":"3556749","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2020-03-06T12:00:30.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I <em>have</em> not received a refund for the second charge and I <em>have</em> <em>been</em> in communication with <em>XXXX</em> who states they are refunding the other charge. \n\nMeanwhile my bank <em>reversed</em> one of the provisional credits when one of the refunds came through. then the bank sent a letter on XX/XX/<em>XXXX</em> stating that it had <em>investigated</em> and determined there was no error so they <em>reversed</em> the second provisional credit."]},"sort":[12.81971,"3556749"]},{"_index":"complaint-public-v1","_id":"10290847","_score":12.794843,"_source":{"product":"Mortgage","complaint_what_happened":"Re : XXXX On XX/XX/XXXX, I received a letter stating my mortgage payment from XXXX had been reversed again due to insufficient funds on XX/XX/XXXX. Shocked, I immediately contacted my bank, XXXX, who confirmed that no reversal was recorded on their end and that my XXXX mortgage payment had posted without issue. I then called NewRez and spoke with XXXX XXXX, who claimed that my XXXX payment had been refunded twice due to a stop payment. However, according to both my bank and NewRez 's own correspondence, only one payment had been reversed. This left me in a situation where NewRez showed two payments reversed, despite me having paid them validly on both XXXX and XXXX. The original issue was with the old servicer, and that had already been resolved, yet NewRez inexplicably reversed an additional payment. Despite my valid payments, they assessed a {$20.00} fee and couldnt explain why the second reversal occurred. XXXX insisted that I had XXXX XXXX payments reversed, but I had only stopped payment on one, and I only received funds back for that one. After confirming with XXXX, I saw no evidence of a second reversal. When I escalated the issue, I spoke to XXXX XXXX, who was kind enough to reverse the fee but couldnt comprehend how their system had reflected two reversals when only one occurred. \nAfter investigating further, XXXX confirmed that NewRez had mistakenly reversed the payment twice with no clear explanation, admitting they had completely mishandled the situation. She even filed a complaint on my behalf, but the lack of attention to detail and the unexplained errors were egregious. I informed her that I would be following up as well on my open complaint. So, now I have to trust the company who has lost over XXXX and assessed a fee to me without resolve, someone who simply wants to pay their bill, to fix this and reflect appropriately. Imagine all the thousands of people not so anal about their finances getting money stolen from them with a fee to boot. Fix this. Investigation is needed!","date_sent_to_company":"2024-09-30T23:33:23.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"46033","tags":null,"has_narrative":true,"complaint_id":"10290847","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2024-09-30T23:23:07.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["However, according to both my bank and NewRez 's own correspondence, only one payment had <em>been</em> <em>reversed</em>. This left me in a situation where NewRez showed two payments <em>reversed</em>, despite me <em>having</em> paid them validly on both <em>XXXX</em> and <em>XXXX</em>. The original issue was with the old servicer, and that had already <em>been</em> resolved, yet NewRez inexplicably <em>reversed</em> an additional payment. Despite my valid payments, they assessed a {$20.00} fee and couldnt explain why the second reversal occurred."]},"sort":[12.794843,"10290847"]},{"_index":"complaint-public-v1","_id":"3544603","_score":12.759992,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"USAA Ms XXXX WILL NOT CEASE AND DESIST DEFAMATION. see attatched proof the XXXX XXXX {$120.00} XX/XX/XXXX IS SEPARATE FROM {$470.00} XXXX XXXX credited XX/XX/XXXX. Leaving bal {$470.00} LOOK AT STATEMENT AND STOP TELLING THIS LIE OVER AND OVER AND OVER.see NO USAA CREDITS All credits are from merchants. There are NO USAA credits at beginning of investigation as USAA claims TO REVERSE THEM XX/XX/XXXX XXXX see see Fraud Letter XX/XX/XXXX. It says temp credits WERE MADE PERMANET Looking at XXXX XXXX statement THERE ARE NO TEMP CREDITS OR PERM CREDITS. see attatched Fraud Letter XX/XX/XXXX EXPLAINING WHY A CREDIT REVERSAL XXXX XXXX {$120.00} stateing the credits deposited at beginning investigation have been reversed. THERE ARE NONE This was NEVER REPORTED FRAUD. This appeared as a New Purchase XX/XX/XXXX a second time. I DO NOT AUTHIRIZE CREDIT REVERSAL as there are none TO REVERSE. More PROOF XXXX XXXX WAS NOT REPORTED FRAUD XX/XX/XXXX. see attatched XX/XX/XXXX ADJUSTMENT PURCHASE TEMP CREDIT TO START A FRAUD INVESTIGATION Kindly note THERE ARE NO BEGINNING FRAUD INVESTIGATIONS XX/XX/XXXX. USAA MS XXXX CEASE WITH THIS LIE AND admit credits were not applied properly. There are NO USAA CREDITS BEGINNING INVESTIGATION XX/XX/XXXX but THERE ARE BEGINNING INVESTIGATION CREDITS {$120.00} XX/XX/XXXX WHEN YOU REVERSED CREDIT NOT GIVEN. STOP WITH DEFAMATION I HAVE TRUTH PROOF.","date_sent_to_company":"2020-02-26T07:16:21.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"337XX","tags":"Older American","has_narrative":true,"complaint_id":"3544603","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2020-02-26T01:41:47.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["It says temp credits WERE MADE PERMANET Looking at <em>XXXX</em> <em>XXXX</em> statement THERE ARE NO TEMP CREDITS OR PERM CREDITS. see attatched Fraud Letter XX/XX/<em>XXXX</em> EXPLAINING WHY A CREDIT REVERSAL <em>XXXX</em> <em>XXXX</em> {$120.00} stateing the credits deposited at beginning <em>investigation</em> <em>have</em> <em>been</em> <em>reversed</em>. THERE ARE NONE This was NEVER REPORTED FRAUD. This appeared as a New Purchase XX/XX/<em>XXXX</em> a second time. I DO NOT AUTHIRIZE CREDIT REVERSAL as there are none TO <em>REVERSE</em>."]},"sort":[12.759992,"3544603"]},{"_index":"complaint-public-v1","_id":"3210868","_score":12.701362,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX i went to XXXX left my card behind and endured an extra charge. XX/XX/XXXX I went to pay my mortgage was low saw the charge and reported it. BofA issued me a temp credit. On XX/XX/XXXX they denied my claim and reversed the credit. With no actual investigation conducted. Now I have appealed an investigation began I filed a statement as well as police report. BofA has terrible communication and resolution procedures. They have not given me back my money. I am negative and have been since they reversed the incorrect charge against my account with no justification. Please help.","date_sent_to_company":"2019-04-12T19:09:06.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"93065","tags":null,"has_narrative":true,"complaint_id":"3210868","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2019-04-12T18:56:52.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I am negative and <em>have</em> <em>been</em> since they <em>reversed</em> the incorrect charge against my account with no justification. Please help."]},"sort":[12.701362,"3210868"]},{"_index":"complaint-public-v1","_id":"17866969","_score":12.625218,"_source":{"product":"Credit card","complaint_what_happened":"SEVERAL CHARGES WERE MADE FROM AN XXXX XXXX XXXX IN SUCCESSION ON XXXX AND XXXX. ANY OTHER TIME A PURCHASE MADE OUT OF MY USUAL PURCHASE GENRE I RECEIVE A CALL OR EMAIL. I RECEIVED A CALL FROM XXXX NUMBER REPRESENTING DISCOVER SAYING THEY WERE HELPING TO REVERSE THE CHARGES. THEY WOULD ASK FOR REVERSAL CODES AND I PROVIDED THEM. I THOUGHT CHARGES WERE REVERSED UNTIL I RECEIVED MY STATEMENT. I CALLED DISPUTED CLAIMS DEPARTMENT FOR DISCOVER AND WAS TOLD AN INVESTIGATION WOULD TAKE PLACE. THEY REPLIED LATER SAYING I MADE THE PURCHASES. I HAVE HAD DISPUTED CLAIMS WITH VISA AND HAVE NEVER HAD AN ISSUE WITH GETTING CHARGES REVERSED. I ONLY USE DISCOVER FOR BUSINESS PURCHASES BUT HAVE FROZE THIS ACCOUNT. THERE HAS BEEN A DATA BREACH SOMEWHERE. DISCOVER HAS NEVER GAVE ME ANY ISSUES AND I HAVE BEEN THEIR CUSTOMER FOR 34 YEARS.","date_sent_to_company":"2025-11-26T01:57:53.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"395XX","tags":null,"has_narrative":true,"complaint_id":"17866969","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-11-26T01:41:26.000Z","state":"MS","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I <em>HAVE</em> HAD DISPUTED CLAIMS WITH VISA AND <em>HAVE</em> NEVER HAD AN ISSUE WITH GETTING CHARGES <em>REVERSED</em>. I ONLY USE DISCOVER FOR BUSINESS PURCHASES BUT <em>HAVE</em> FROZE THIS ACCOUNT. THERE HAS <em>BEEN</em> A DATA BREACH SOMEWHERE. DISCOVER HAS NEVER GAVE ME ANY ISSUES AND I <em>HAVE</em> <em>BEEN</em> THEIR CUSTOMER FOR 34 YEARS."]},"sort":[12.625218,"17866969"]},{"_index":"complaint-public-v1","_id":"4350975","_score":12.519447,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This account should have never been written off. It was pending payoff from insurance when I was XXXX and I was told I could stop paying. When it was charged off they told us they would reverse the fees upon pay off. In XXXX they received their payoff and never reversed the charge offs or fees. I opened up an investigation two times and no one called me with results like they promised and never took off fees as promised and never reversed charge offs as promised. Please note entire balance of card at time of XXXX when they told me I can stop paying was paid in full. The only balance remaining is the fees they told me not to worry about","date_sent_to_company":"2021-05-04T23:13:33.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28078","tags":null,"has_narrative":true,"complaint_id":"4350975","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-05-04T23:13:29.000Z","state":"NC","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["This account should <em>have</em> never <em>been</em> written off. It was pending payoff from insurance when I was <em>XXXX</em> and I was told I could stop paying. When it was charged off they told us they would <em>reverse</em> the fees upon pay off. In <em>XXXX</em> they received their payoff and never <em>reversed</em> the charge offs or fees. I opened up an <em>investigation</em> two times and no one called me with results like they promised and never took off fees as promised and never <em>reversed</em> charge offs as promised."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[12.519447,"4350975"]},{"_index":"complaint-public-v1","_id":"4350972","_score":12.519447,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This account should have never been written off. It was pending payoff from insurance when I was XXXX and I was told I could stop paying. When it was charged off they told us they would reverse the fees upon pay off. In XXXX they received their payoff and never reversed the charge offs or fees. I opened up an investigation two times and no one called me with results like they promised and never took off fees as promised and never reversed charge offs as promised. Please note entire balance of card at time of XXXX when they told me I can stop paying was paid in full. The only balance remaining is the fees they told me not to worry about","date_sent_to_company":"2021-05-04T23:13:33.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28078","tags":null,"has_narrative":true,"complaint_id":"4350972","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-05-04T23:13:29.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["This account should <em>have</em> never <em>been</em> written off. It was pending payoff from insurance when I was <em>XXXX</em> and I was told I could stop paying. When it was charged off they told us they would <em>reverse</em> the fees upon pay off. In <em>XXXX</em> they received their payoff and never <em>reversed</em> the charge offs or fees. I opened up an <em>investigation</em> two times and no one called me with results like they promised and never took off fees as promised and never <em>reversed</em> charge offs as promised."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[12.519447,"4350972"]},{"_index":"complaint-public-v1","_id":"4350969","_score":12.519447,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This account should have never been written off. It was pending payoff from insurance when I was XXXX and I was told I could stop paying. When it was charged off they told us they would reverse the fees upon pay off. In XXXX they received their payoff and never reversed the charge offs or fees. I opened up an investigation two times and no one called me with results like they promised and never took off fees as promised and never reversed charge offs as promised. Please note entire balance of card at time of XXXX when they told me I can stop paying was paid in full. The only balance remaining is the fees they told me not to worry about","date_sent_to_company":"2021-05-04T23:13:21.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28078","tags":null,"has_narrative":true,"complaint_id":"4350969","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2021-05-04T23:05:01.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["This account should <em>have</em> never <em>been</em> written off. It was pending payoff from insurance when I was <em>XXXX</em> and I was told I could stop paying. When it was charged off they told us they would <em>reverse</em> the fees upon pay off. In <em>XXXX</em> they received their payoff and never <em>reversed</em> the charge offs or fees. I opened up an <em>investigation</em> two times and no one called me with results like they promised and never took off fees as promised and never <em>reversed</em> charge offs as promised."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[12.519447,"4350969"]},{"_index":"complaint-public-v1","_id":"20190799","_score":12.458532,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am submitting this complaint regarding an unauthorized electronic transfer from my Capital One checking account involving an XXXX XXXX transaction in the amount of {$360.00}. \n\nI reported this transaction to Capital One as fraud within the required timeframe. Capital One initially issued a provisional credit while they investigated the dispute. However, the bank later reversed the provisional credit and withdrew the {$360.00} from my account. \n\nCapital One never provided me with a written explanation of the results of their investigation and did not provide any documentation or evidence supporting their determination that the transaction was authorized. \n\nI also submitted evidence showing that the transaction was fraudulent, but my evidence appears to have been ignored.\n\nUnder the Electronic Fund Transfer Act and Regulation E, financial institutions are required to conduct a reasonable investigation and provide the consumer with a written explanation when denying a claim or reversing provisional credit.\n\nIn this case, Capital One reversed the provisional credit without providing any explanation of their investigation or the evidence they relied on.\n\nI am requesting that Capital One reopen the investigation, properly review the evidence I submitted, and reimburse the {$360.00} unauthorized transaction from my account.","date_sent_to_company":"2026-03-12T03:15:10.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"98056","tags":null,"has_narrative":true,"complaint_id":"20190799","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-03-12T03:08:56.000Z","state":"WA","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Capital One never provided me with a written explanation of the results of their <em>investigation</em> and did not provide any documentation or evidence supporting their determination that the transaction was authorized. \n\nI also submitted evidence showing that the transaction was fraudulent, but my evidence appears to <em>have</em> <em>been</em> ignored."]},"sort":[12.458532,"20190799"]},{"_index":"complaint-public-v1","_id":"3584428","_score":12.431762,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"See attatched XX/XX/XXXX STATEMENT. See transactions XX/XX/XXXX - XX/XX/XXXX {$810.00}. {$120.00}. & {$210.00} subtratcted. XX/XX/XXXX XX/XX/XXXX MERCHANTS CREDITS. The remaining balance AFTER MERCHANTS CREDITS was {$470.00}. KINDLY NOTE MERCHANTS CREDITS {$340.00} ARE THE ONLY CREDITS for period XXXX XXXX attatched XX/XX/XXXX FRAUD CLAIM DATE XX/XX/XXXX {$470.00} I REPORTED UNAUTHORIZED ( KINDLY NOTE THIS * DID NOT INCLUDE {$340.00} CREDITED BY MERCHANTS. ) See attatched FRAUD letter of XX/XX/XXXX XX/XX/XXXX {$120.00} XXXX XXXX WAS NOT REPORTED FRAUD XXXX XXXX see attatched XXXX STATEMENT KINDLY NOTE ( the credit deposited at beginning of the investigation have been reversed ) ** USAA REVERSES MERCHANTS CREDITS OF XX/XX/XXXX ON XX/XX/XXXX ( WITH NEW CHARGES ) forcing me to buy back two items that were picked up at store and returned at store and CLAIMING THEM TO BE USAA CREDITS. See attatched FRAUD letter of XX/XX/XXXX XX/XX/XXXX {$210.00} ( the credit we deposited at the beginning of the investigation HAVE BEEN REVERSED ) AGAIN KINDLY NOTE THERE ARE NO USAA CREDITS XXXX XXXX see attatched statement of XX/XX/XXXX ** USAA REVERSES MERCHANTS CREDITS {$210.00} OF XX/XX/XXXX XX/XX/XXXX STEALING XXXX MERCHANTS CREDITS CLAIMING THEM TO BE USAA CREDITS.","date_sent_to_company":"2020-03-28T11:23:38.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"337XX","tags":"Older American","has_narrative":true,"complaint_id":"3584428","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2020-03-28T10:50:07.000Z","state":"FL","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["See attatched FRAUD letter of XX/XX/<em>XXXX</em> XX/XX/<em>XXXX</em> {$210.00} ( the credit we deposited at the beginning of the <em>investigation</em> <em>HAVE</em> <em>BEEN</em> <em>REVERSED</em> ) AGAIN KINDLY NOTE THERE ARE NO USAA CREDITS <em>XXXX</em> <em>XXXX</em> see attatched statement of XX/XX/<em>XXXX</em> ** USAA <em>REVERSES</em> MERCHANTS CREDITS {$210.00} OF XX/XX/<em>XXXX</em> XX/XX/<em>XXXX</em> STEALING <em>XXXX</em> MERCHANTS CREDITS CLAIMING THEM TO BE USAA CREDITS."]},"sort":[12.431762,"3584428"]},{"_index":"complaint-public-v1","_id":"22412893","_score":12.332816,"_source":{"product":"Credit card","complaint_what_happened":"I purchased a XXXX XXXX ticket for {$180.00} using my Barclays XXXX XXXX and later paid the transaction in full.\n\nAfter the payment had already been made, I filed a dispute regarding the transaction. During the investigation, Barclays issued a temporary credit for {$180.00}. Later, Barclays informed me that the investigation was completed and that they were unable to issue a permanent credit, meaning the temporary credit was reversed.\n\nHowever, Barclays is now again showing {$180.00} as currently due on my account. Based on my understanding of the transaction history, the original purchase had already been paid before the dispute process began. Therefore, reversing the temporary credit should have returned the account balance to XXXX, not created another amount due.\n\nI requested that Barclays provide : * A detailed transaction ledger * Proof of how my payment was applied * An explanation of the dispute reversal * Proof showing why an additional {$180.00} is still owed At this time, I believe the transaction may have been counted twice or the payment may not have been properly applied after the dispute reversal. I am requesting a full investigation and correction of any improper balance assessment.","date_sent_to_company":"2026-05-21T01:28:11.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"78681","tags":null,"has_narrative":true,"complaint_id":"22412893","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2026-05-21T01:17:20.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I purchased a <em>XXXX</em> <em>XXXX</em> ticket for {$180.00} using my Barclays <em>XXXX</em> <em>XXXX</em> and later paid the transaction in full.\n\nAfter the payment had already <em>been</em> made, I filed a dispute regarding the transaction. During the <em>investigation</em>, Barclays issued a temporary credit for {$180.00}. Later, Barclays informed me that the <em>investigation</em> was completed and that they were unable to issue a permanent credit, meaning the temporary credit was <em>reversed</em>."]},"sort":[12.332816,"22412893"]},{"_index":"complaint-public-v1","_id":"7406826","_score":12.322561,"_source":{"product":"Checking or savings account","complaint_what_happened":"Case Number : XXXX Account Number ending in : XXXX Consumer Financial Protection Bureau, Case Number XXXX XXXX XXXX XXXX first let me say thank you for responding to my concerns. However, I do not feel that this matter was thoroughly reviewed and that my issues have not been properly addressed. I will explain why below : About the claim : On XX/XX/XXXX, claim number XXXX ( Reference Number XXXX ) was created to dispute the transactions totaling {$1500.00}. The claim was denied and unpaid. The Claims Assistance Center determined that the transactions were authorized or that a processing error did not occur. The provisional credits of {$500.00} and {$1000.00} were reversed from the account ending in XXXX on XX/XX/XXXX and on XX/XX/XXXX. Were you aware that when the dispute was first filed that my funds were initially reversed and returned to my account? Should the funds have been reversed at that time ( XXXX ) if the investigation was still pending? It was not until XX/XX/XXXX and XXXX of XXXX that the funds were then reversed and deducted from my account for the reasons you gave above. Can you advise as to why 3 months ( XXXX ) and then 5 months ( XXXX ) funds were deducted from my account from a dispute I filed in XXXX?","date_sent_to_company":"2023-08-15T16:41:02.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"72301","tags":"Older American","has_narrative":true,"complaint_id":"7406826","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-08-15T16:22:06.000Z","state":"AR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["The provisional credits of {$500.00} and {$1000.00} were <em>reversed</em> from the account ending in <em>XXXX</em> on XX/XX/<em>XXXX</em> and on XX/XX/<em>XXXX</em>. Were you aware that when the dispute was first filed that my funds were initially <em>reversed</em> and returned to my account? Should the funds <em>have</em> <em>been</em> <em>reversed</em> at that time ( <em>XXXX</em> ) if the <em>investigation</em> was still pending? It was not until XX/XX/<em>XXXX</em> and <em>XXXX</em> of <em>XXXX</em> that the funds were then <em>reversed</em> and deducted from my account for the reasons you gave above."]},"sort":[12.322561,"7406826"]},{"_index":"complaint-public-v1","_id":"13635823","_score":12.303799,"_source":{"product":"Checking or savings account","complaint_what_happened":"We are a XXXX XXXX in XXXX, Florida that had used a verified online company that provides temporary and permanent placement for dental professionals ( ie. doctors, hygienists, dental assistants and front office personnel ). We commisioned a girl for a temporary dental assistant needed in our office. She completed the work day and was paid by check. Apparently the girl committed fraud using the check to open other variousc accounts and pay bills in excess of {$70000.00}. A police investigation is currently underway with a police report number. Initially TRUIST reversed approximately {$10000.00} and then the reversals stopped. My local TRUIST branch representative opened a new fraud claim ( additional to the initial ) for the fraudulent charges and associated vendors. As a specific example : one vendorXXXX XXXX XXXXs ( where the suspect was reportedly living and paying rent ) a charge for XXXX XXXX was made in XXXX in the amount {$260.00} which was reversed. There is an additional {$37000.00} in fradulent charges, just from XXXX XXXX, that need to be reversed back to my account. ( This is excluding the other approximately {$30000.00} from other various fraudlent charges made. ) I have reached out the TRUIST more that five times to get updates only to be told \" they're still investigating ''. My question to them was \" If one charge from XXXX XXXX for {$260.00} was reversed, establishing through their investigation, that it was indeed a fraudulent charge, then why has the additional {$37000.00} been reversed back to my account. I believe TRUIST is stalling to return my funds and would like a swift resolution to this unfortunate situation. TRUIST is currently working with local law enforcement on this case and a case number can be provided if necessary.","date_sent_to_company":"2025-05-21T13:08:34.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"33160","tags":"Older American","has_narrative":true,"complaint_id":"13635823","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2025-05-21T12:39:06.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Late or other fees"},"highlight":{"complaint_what_happened":["There is an additional {$37000.00} in fradulent charges, just from <em>XXXX</em> <em>XXXX</em>, that need to be <em>reversed</em> back to my account. ( This is excluding the other approximately {$30000.00} from other various fraudlent charges made. ) I <em>have</em> reached out the TRUIST more that five times to get updates only to be told \" they're still <em>investigating</em> ''."]},"sort":[12.303799,"13635823"]},{"_index":"complaint-public-v1","_id":"1371376","_score":12.289807,"_source":{"product":"Bank account or service","complaint_what_happened":"I had an unauthorized charge on my debit card for {$140.00} from a book merchant in XX/XX/2014 so I called my bank to dispute the charge & was told that as a courtesy, the charged would be reversed while they investigated the issue. In XX/XX/XXXX I learned that my account had been overdraft into a little over {$200.00} but since I did n't sign up for overdraft protection I figured that whatever the charge was ( because I had n't used my debit card any that month so it did n't come from me ) that it would be revered & thought nothing else of the matter. I received a letter about the issue & called but a recording came on about some type of trip/vacation giveaway/promotion & then something about high call volume & then the phone would disconnect but again I was thinking that the issue would be reversed because I is n't have the overdraft protection. In XXXX I received the same letter but now the overdraft totaled a little more than {$200.00} & I was thinking how is this possible I have n't used my card since XX/XX/XXXX! So I called my bank & was told that they had reversed the credit of the unauthorized charge! My question was why and why had n't I been informed that this was the result of the investigation? The lady told me that she did not have that information but she would get her manager to help me with that issue. The manager got on the phone and asked how could she help and I asked why was the charge reversed and why had n't I been notified of that action. She told me that the company said that the book return was late so the charge was reversed, now I 'm perplexed. I dropped the book off at the XXXX location weeks prior to the due date so what XXXX did after I dropped it off had nothing to do with me plus it was in the month of XXXX, XXXX holidays, busy month, etc how can I be faulted for that and plus they still have the book in question that apparently you just informed me that I 've paid for! Why would you reverse a charge to a company that I returned unaltered, non-damaged goods back to? I was then told that I would have to contact that company, wow! So I asked for and was given the number to ecampus.com books, was told someone would return my call to help me with the issue but after XXXX days I had n't heard anything so I reported them to the BBB at the end of XXXX and to date the BBB has not gotten a response from this company although they have until XXXX. It 's a little disturbing to learn that a bank that 's suppose to secure your money can complete a unauthorized charge investigation be told something to contradict their consumers claim & they just release your funds just like that without warning, notice or follow up, nothing given to you so that you can argue or provide proof to that dispute. When I disputed the charge I told the bank CS agent when I mailed the book & that maybe the company has n't received it yet because of the holidays but that I dropped the book to XXXX almost two weeks before the book was due on the XXXX of XXXX & I know this because they sent a reminder that the book was coming due and then another XXXX stating if I needed more time, etc which I did n't because I had already shipped it. So even knowing this ( I know they put notes on cases ) the bank still chose to reverse the credit and did so without warning or notice about the investigation & their choice to reverse a {$140.00} charge based off a company saying \" the book was late '' not that they did n't receive the book ( which would have been opposite to my claim of me returning the book ) but it was late! I paid for a book that I do not have because my bank thought it best to reverse a charge that was unauthorized simply because the book company said it was late all without notice or investigation follow up choice & that 's highly unacceptable in my eyes.","date_sent_to_company":"2015-05-12T15:42:40.000Z","issue":"Making/receiving payments, sending money","sub_product":"Other bank product/service","zip_code":"70127","tags":null,"has_narrative":true,"complaint_id":"1371376","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2015-05-12T15:42:39.000Z","state":"LA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["So I called my bank & was told that they had <em>reversed</em> the credit of the unauthorized charge! My question was why and why had n't I <em>been</em> informed that this was the result of the <em>investigation</em>? The lady told me that she did not <em>have</em> that information but she would get her manager to help me with that issue. The manager got on the phone and asked how could she help and I asked why was the charge <em>reversed</em> and why had n't I <em>been</em> notified of that action."]},"sort":[12.289807,"1371376"]},{"_index":"complaint-public-v1","_id":"3173507","_score":12.25838,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I had a computer hacker in my system at the time I accessed my bank account with Chase. They send a payment to a person named XXXX XXXX {$1100.00} using XXXX XXXX. \nI have no knowledge of this person it was a case of computer fraud, where the hacker was mirroring my IP address. \nI reported the case immediately to Chase bank, originally they gave me a credit, but they just reverse the credit saying the investigation found out it was the same login and IP address as I used. Well this is what I have been reporting. \nI would like Chase to reverse the transfer as it is a bank fraud Thanks XXXX XXXX XXXX XXXX","date_sent_to_company":"2019-03-08T15:57:11.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"902XX","tags":null,"has_narrative":true,"complaint_id":"3173507","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-03-08T15:45:07.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["They send a payment to a person named <em>XXXX</em> <em>XXXX</em> {$1100.00} using <em>XXXX</em> <em>XXXX</em>. \nI <em>have</em> no knowledge of this person it was a case of computer fraud, where the hacker was mirroring my IP address. \nI reported the case immediately to Chase bank, originally they gave me a credit, but they just <em>reverse</em> the credit saying the <em>investigation</em> found out it was the same login and IP address as I used. Well this is what I <em>have</em> <em>been</em> reporting."]},"sort":[12.25838,"3173507"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":5246,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":5246}]}},"product":{"doc_count":5246,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":1595,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":1413},{"key":"Savings account","doc_count":91},{"key":"Other banking product or service","doc_count":88},{"key":"CD (Certificate of Deposit)","doc_count":2}]}},{"key":"Credit card","doc_count":975,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":835},{"key":"Store credit card","doc_count":66}]}},{"key":"Credit card or 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