{"took":83,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":231,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6250803","_score":19.901205,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX has FAILED repeatedly as of XX/XX/2022 to remove the account ( XXXX XXXX XXXX Account number XXXX {$400.00} past due as of XXXX XXXX ) from my credit report. They have FAILED reportedly to prove I am the owner of this debt and have failed to provide their investigation process on how they came to this conclusion. I don't believe this matter is being legally investigated. They have also failed to respond to CFPB and provide an update. They are deliberately replying ONLY upon the initial complaint from CFPB but will provide their \" findings '' directly to me with NO legal stance which I believe they are purposely stalling. This concern needs to be escalated with the CFPB and XXXX. \n\nXXXX XXXX ( The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. )","date_sent_to_company":"2022-11-29T02:41:45.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"219XX","tags":null,"has_narrative":true,"complaint_id":"6250803","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-11-29T02:41:40.000Z","state":"MD","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["This <em>concern</em> needs to be escalated with the CFPB and XXXX. \n\nXXXX XXXX ( The information you disputed has been verified as accurate ; however, information unrelated to <em>your</em> dispute has been updated. <em>Please</em> <em>review</em> <em>your</em> report for the details. )"],"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":[19.901205,"6250803"]},{"_index":"complaint-public-v1","_id":"6250836","_score":19.895674,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian has FAILED repeatedly as of XX/XX/2022 to remove the account ( XXXX XXXX XXXX Account number XXXX {$400.00} past due as of XXXX XXXX ) from my credit report. They have FAILED reportedly to prove I am the owner of this debt and have failed to provide their investigation process on how they came to this conclusion. I don't believe this matter is being legally investigated. They have also failed to respond to CFPB and provide an update. They are deliberately replying ONLY upon the initial complaint from CFPB but will provide their \" findings '' directly to me with NO legal stance which I believe they are purposely stalling. This concern needs to be escalated with the CFPB and Experian. \n\nExperian Response ( The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. )","date_sent_to_company":"2022-11-29T02:41:33.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"219XX","tags":null,"has_narrative":true,"complaint_id":"6250836","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-11-29T02:29:12.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["This <em>concern</em> needs to be escalated with the CFPB and Experian. \n\nExperian Response ( The information you disputed has been verified as accurate ; however, information unrelated to <em>your</em> dispute has been updated. <em>Please</em> <em>review</em> <em>your</em> report for the details. )"],"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":[19.895674,"6250836"]},{"_index":"complaint-public-v1","_id":"6250804","_score":19.87985,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX has FAILED repeatedly as of XX/XX/2022 to remove the account ( XXXX XXXX XXXX Account number XXXX {$400.00} past due as of XXXX XXXX ) from my credit report. They have FAILED reportedly to prove I am the owner of this debt and have failed to provide their investigation process on how they came to this conclusion. I don't believe this matter is being legally investigated. They have also failed to respond to CFPB and provide an update. They are deliberately replying ONLY upon the initial complaint from CFPB but will provide their \" findings '' directly to me with NO legal stance which I believe they are purposely stalling. This concern needs to be escalated with the CFPB and XXXX. \n\nXXXX XXXX ( The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. )","date_sent_to_company":"2022-11-29T02:41:45.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"219XX","tags":null,"has_narrative":true,"complaint_id":"6250804","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-11-29T02:41:40.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["This <em>concern</em> needs to be escalated with the CFPB and XXXX. \n\nXXXX XXXX ( The information you disputed has been verified as accurate ; however, information unrelated to <em>your</em> dispute has been updated. <em>Please</em> <em>review</em> <em>your</em> report for the details. )"],"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":[19.87985,"6250804"]},{"_index":"complaint-public-v1","_id":"1976972","_score":19.161402,"_source":{"product":"Credit reporting","complaint_what_happened":"1st I submitted a dispute as \" not mine '' the information came back as verified. After reading information on the internet ( dangerous, I know ) I came across the FCRA 605 ID theft request for block. Armed with knowledge I promptly went to the local police department and fill out a report in relation to Id theft ; I then filed an FTC affidavit. after all that work I was ready to tackle XXXX once more. I bundled all the information and sent it off! 4 days later received this ... Results Of Your Investigation ( For your security, the last XXXX digits of your credit account number ( s ) have been replaced by * ) XXXX We have reviewed the current address. The results are : The current address has been added/updated per the information you have supplied. XXXX We have reviewed your concerns and our conclusions are : Please be advised that Equifax , at this time, will not block the information subject to the submitted identity Theft and/or police report you provided as part of your dispute. We are contacting each creditor directly to verify The account/s on your behalf. We will also forward a copy of documents you have provided to each creditor for their Review.","date_sent_to_company":"2016-06-20T14:48:53.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"92683","tags":null,"has_narrative":true,"complaint_id":"1976972","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2016-06-20T14:48:52.000Z","state":"CA","company_public_response":null,"sub_issue":"Information is not mine"},"highlight":{"complaint_what_happened":["XXXX We <em>have</em> <em>reviewed</em> <em>your</em> <em>concerns</em> and our <em>conclusions</em> are : <em>Please</em> be advised that Equifax , at this time, will not block the information subject to the submitted identity Theft and/or police report you provided as part of <em>your</em> dispute. We are contacting each creditor directly to verify The account/s on <em>your</em> behalf. We will also forward a copy of documents you <em>have</em> provided to each creditor for their <em>Review</em>."]},"sort":[19.161402,"1976972"]},{"_index":"complaint-public-v1","_id":"15493296","_score":18.660824,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Comenity Capital Bank XXXX XXXX XXXX : Forever XXXX XXXX Credit Card Account XXXX in XXXX CFPB Ref. No. XXXX Thank you for your letter dated XX/XX/year>, in response to my inquiry filed with the Consumer Financial Protection Bureau XXXX \n\nWhile I acknowledge receipt of your prior response dated XX/XX/year>, I must reiterate that your findings do not resolve the concerns I raised. Simply stating that no violations of law were found does not sufficiently address the specific issues outlined in my original correspondence. \n\nTo further clarify, I have contacted XXXX XXXX XXXX, according to your records, XXXX have been assigned or involved with this accountand they have confirmed in writing that they have no knowledge of this account. This raises further concern regarding the accuracy and handling of my account information. \n\nTo ensure a full and fair resolution, I am again requesting the following : 1. A detailed explanation of the actions taken on my account that led to my concerns.\n\n2. A clear reference to any applicable policies or terms and conditions justifying those actions.\n\n3. A formal outline of the steps I may take if I wish to further dispute or appeal this decision.\n\n4. Clarification of whether this account has been sold, transferred, or assigned to any third-party, and if so, the exact date and the name of the entity involved. \n\nI respectfully request a more thorough review of my case and a response that specifically addresses the core points of my complaint, not a restatement of prior communications. If your investigation was truly complete, I ask that you provide documentation supporting your conclusion. \n\nPlease respond in writing within XXXX business days. I am also forwarding this letter to the Consumer Financial Protection Bureau for their continued review.","date_sent_to_company":"2025-08-25T20:44:18.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30318","tags":null,"has_narrative":true,"complaint_id":"15493296","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2025-08-25T20:43:53.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I respectfully request a more thorough <em>review</em> of my case and a response that specifically addresses the core points of my complaint, not a restatement of prior communications. If <em>your</em> <em>investigation</em> was truly complete, I ask that you provide documentation supporting <em>your</em> <em>conclusion</em>. \n\n<em>Please</em> respond in writing within XXXX business days. I am also forwarding this letter to the Consumer Financial Protection Bureau for their continued <em>review</em>."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[18.660824,"15493296"]},{"_index":"complaint-public-v1","_id":"7487284","_score":18.186338,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Dear PayPal Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, associated with the email address XXXX. \n\nFirstly, I believe that this limitation is a result of a misunderstanding or mistake. I have always strived to use my PayPal account responsibly and within the boundaries of your policies. To the best of my knowledge, I have not engaged in any activities that would warrant such severe action. \n\nI kindly request that you reconsider and conduct a thorough re-investigation into my case. I believe that a closer examination of my account activity will reveal that I am in compliance with PayPal 's terms and conditions. If there are any concerns or issues that need clarification, I am more than willing to provide any necessary information or documentation to resolve them. \n\nPayPal has been an integral part of my online transactions and financial management, and the sudden permanent limitation has caused significant inconvenience and hardship. I genuinely value my relationship with PayPal and would like the opportunity to continue using your services in a responsible and compliant manner. \n\nIn conclusion, I respectfully request that you review my case and consider lifting the permanent limitation on my account. Your assistance in resolving this matter would be greatly appreciated. Please feel free to contact me at XXXX if you require any additional information or if there are specific steps I should take to facilitate this review. \n\nThank you for your attention to this matter. I look forward to a positive resolution. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2023-09-01T17:14:08.000Z","issue":"Managing, opening, or closing your mobile wallet account","sub_product":"Mobile or digital wallet","zip_code":"11003","tags":null,"has_narrative":true,"complaint_id":"7487284","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2023-09-01T17:10:47.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I genuinely value my relationship with PayPal and would like the opportunity to continue using <em>your</em> services in a responsible and compliant manner. \n\nIn <em>conclusion</em>, I respectfully request that you <em>review</em> my case and consider lifting the permanent limitation on my account. <em>Your</em> assistance in resolving this matter would be greatly appreciated. <em>Please</em> feel free to contact me at XXXX if you require any additional information or if there are specific steps I should take to facilitate this <em>review</em>."],"issue":["Managing, opening, or closing <em>your</em> mobile wallet account"]},"sort":[18.186338,"7487284"]},{"_index":"complaint-public-v1","_id":"12331349","_score":17.382029,"_source":{"product":"Credit card","complaint_what_happened":"Dear Comenity Bank, I am writing in response to your recent letter regarding my dispute ( Ref. No. XXXX ). While I appreciate your review of my concerns, I do not agree with your findings.\n\n1. Fraud Investigation : The letter you provided does not include any proof from your investigation team regarding the fraud claim. You mention that a fraud investigation was completed in XX/XX/XXXX for the XXXXXXXX XXXX XXXX and in XX/XX/XXXX for the XXXX XXXX Credit Card, but you have not supplied any supporting documentation or verification of these investigations. I request that you provide detailed documentation from your investigation team that outlines how the investigation was conducted, the findings, and any supporting evidence used to make your conclusion.\n\n2. Credit Reporting : I continue to dispute the accuracy of the reporting. I called XXXX customer service to report the fraud, and I need verification of these phone calls, including dates and times of the calls. Please provide documentation of these calls or any related records from your investigation team. If you are unable to provide supporting proof of the fraud investigation or the validity of these accounts, the accounts must be removed from my credit report as required by law. \n\nUnder the Fair Credit Reporting Act ( FCRA ) : FCRA 611 ( 15 U.S.C. 1681i ) : If an account is disputed and the creditor can not verify its accuracy, it must be deleted.\n\nFCRA 609 ( 15 U.S.C. 1681g ) : I have the right to request proof, including any records used to verify the debt. If proof is not provided, the account can not legally remain on my report.\n\nFCRA 605B ( 15 U.S.C. 1681c-2 ) : If an account resulted from fraud or identity theft and you can not verify its legitimacy, the credit bureaus must block and remove it.\n\n3. Address Update : I have recently moved, but my previous address on this account was : XXXX XXXX XXXX, XXXX, PA XXXX. \nPlease ensure this address is updated in your records, as it may be why there is an address discrepancy. However, this does not change the fact that the information being reported is incorrect. Please clarify which address is on record and ensure this dispute is properly reviewed.\n\nThis is my third time disputing this matter with the Consumer Financial Protection Bureau ( CFPB ) and the credit reporting agencies. I have attached a copy of your letter dated XX/XX/XXXX for your reference. I would like to verify the information you provided in that letter and request additional documentation from your investigation team to substantiate your claims regarding the fraud investigation and the accuracy of the reported information. \n\nIf you are unable to provide proof of the fraud investigation, customer service calls, or other supporting documentation from your investigation team, I request that these accounts and any related delinquencies be removed immediately. If this matter is not resolved, I am prepared to escalate my dispute with the Consumer Financial Protection Bureau ( CFPB ) and the credit reporting agencies. \n\nPlease provide a written response addressing these concerns.","date_sent_to_company":"2025-03-05T16:15:26.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"19061","tags":null,"has_narrative":true,"complaint_id":"12331349","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2025-03-05T16:02:51.000Z","state":"PA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["<em>Please</em> provide a written response addressing these <em>concerns</em>."],"issue":["Problem with a purchase shown on <em>your</em> statement"],"sub_issue":["Credit card company isn't resolving a dispute about a purchase on <em>your</em> statement"]},"sort":[17.382029,"12331349"]},{"_index":"complaint-public-v1","_id":"7972769","_score":16.969976,"_source":{"product":"Credit card","complaint_what_happened":"I hope this letter finds you well. I am writing in response to your communication dated XX/XX/2023 in reference to my complaint submitted through the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/2023. I appreciate your prompt attention to this matter and the thorough review conducted by BMO Bank N.A. \n\nAcknowledgment of BMO 's Response : I acknowledge the details provided in your response regarding my request for a refund of {$170.00} and BMO 's assertion that a check was issued to me on XX/XX/2023. I appreciate the effort made to investigate the matter. \n\nDispute Regarding Check Status : While I understand BMO 's position, I must reiterate that I have not received the check in question. Despite your confirmation of its issuance, I remain unaware of its status and, to my knowledge, it has not been delivered. I kindly request further clarification or documentation to substantiate the issuance and delivery of the check. \n\nConcerns about Affidavit and Compensation : In response to BMO 's mention of the Lost Affidavit Indemnity Form, I must express my inability to sign the affidavit due to the lack of information about the check 's status. Signing such a document without adequate knowledge poses a legal and ethical challenge. \n\nI must respectfully dispute the denial of my request for a {$200.00} compensation. The circumstances surrounding the lost check are unique to my situation, and I believe a fair resolution should be considered to address the inconvenience caused. \n\nLegal Considerations : Regarding the legal aspects of this matter, I would appreciate your clarification on whether it is within legal bounds for a credit card company to withhold a customer 's funds. Additionally, could you please provide information on the legal requirements for a credit card company to return money to its customer in a situation where a check has been issued but not received? \n\nRequest for Thorough Investigation : I kindly request a thorough investigation into the issuance and delivery process of the check in question. Additionally, I urge BMO to provide any documentation or evidence that supports the claim of the check being sent to me. \n\nConclusion : In conclusion, I appreciate your attention to this matter and request a prompt resolution. I am open to further communication and clarification to resolve this matter amicably. However, if a satisfactory resolution can not be reached, I may have no choice but to explore other avenues to protect my rights. \n\nThank you for your understanding, and I look forward to your prompt response.","date_sent_to_company":"2023-12-09T01:51:56.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"30066","tags":null,"has_narrative":true,"complaint_id":"7972769","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BMO BANK NATIONAL ASSOCIATION","date_received":"2023-12-09T01:41:06.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with customer service"},"highlight":{"complaint_what_happened":["Request for Thorough <em>Investigation</em> : I kindly request a thorough <em>investigation</em> into the issuance and delivery process of the check in question. Additionally, I urge BMO to provide any documentation or evidence that supports the claim of the check being sent to me. \n\n<em>Conclusion</em> : In <em>conclusion</em>, I appreciate <em>your</em> attention to this matter and request a prompt resolution. I am open to further communication and clarification to resolve this matter amicably."]},"sort":[16.969976,"7972769"]},{"_index":"complaint-public-v1","_id":"4938347","_score":16.792822,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I mailed 7 validation letters to experian in regard to this matter. I never received a response. On XX/XX/2021 I submit a complain via CFPB in regards to the matter. Experian responded that they would investigate and they closed the CFPB complaint. They did open a investigation and responded The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. Experian did not provide any documentation of validation. This concerns me as I do not understand how they arrived at this conclusion since this information is indeed incorrect. \nThis is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).\n\nTo be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.\n\nPlease provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). I would like to know the following : 1. The first and last name of the representative you spoke to regarding these accounts 2. The time and date you spoke to this entity 3. Did this representative verify my full name, social security number, current address and date of birth correctly?\n\n4. Did they provide you with my original contract with my original signature on it? If so, why havent you sent this information to me?\n\nBelow is the item that have not been properly verified & that you continue to report illegally. \nAccount XXXX : XXXX XXXX XXXX Account XXXX : XXXX","date_sent_to_company":"2021-11-23T06:40:36.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"150XX","tags":null,"has_narrative":true,"complaint_id":"4938347","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-11-23T01:22:51.000Z","state":"PA","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":["Experian responded that they would <em>investigate</em> and they closed the CFPB complaint. They did open a <em>investigation</em> and responded The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of <em>your</em> dispute. <em>Please</em> <em>review</em> <em>your</em> report for the details. Experian did not provide any documentation of validation."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on <em>your</em> report"]},"sort":[16.792822,"4938347"]},{"_index":"complaint-public-v1","_id":"12704636","_score":16.754498,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/year> To : Citibank , N.A . \nExecutive Response Unit XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX CC : Consumer Financial Protection Bureau ( CFPB ) Case # XXXX Subject : Request for Clarity and Resolution Regarding Fraudulent Wire Transfer Investigation Dear Citibank Executive Response Team XXXX I am writing in reference to your letter dated XX/XX/year>, concerning the fraudulent wire transfer dispute involving my checking account ( ending in XXXX ) and claim # XXXX. While I appreciate the reopening of the investigation on XX/XX/year>, I am seeking clarification on the following points due to conflicting language in your correspondence : 1. Current Status : Is my claim actively under investigation, or has it already been denied? \n2. Next Steps : What specific actions will Citibank take to ensure a thorough review of the reopened claim? \n3. Documentation : How should I proceed if additional information or documentation is required during the investigation? \nYour letter mentions that the investigation may take up to 60 days and that I may need to provide further details. However, it also states that Citibank considers the matter \" resolved '' and will not respond to further inquiries, which contradicts the ongoing review. \nI request explicit confirmation of the investigation 's status and ask that any premature closure language be retracted. Given the severity of this issuea fraudulent transfer of {$49000.00} on XX/XX/XXXX, XXXX urge Citibank to address this matter with diligence, transparency, and urgency. \nI have escalated my concerns to the CFPB ( XXXX # XXXX ) to ensure a fair resolution and expect Citibank 's full cooperation. \nRequested Actions : A written response addressing each of the questions listed above. \nClear documentation of all steps in the investigation process. \nAssurance that no final determination will be made without giving me the opportunity to review or contest the findings. \nPlease clarify the reason of why Citibank or its legal representative provided altered or tempered records during the Arbitration process. \nPlease communicate all updates in writing. I will await Citibank 's findings at the conclusion of the 60-day period and reserve the right to escalate further if the resolution is unsatisfactory. \nThank you for your prompt attention to this matter. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-03-28T14:52:39.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"94526","tags":"Older American","has_narrative":true,"complaint_id":"12704636","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-03-28T14:39:04.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["I <em>have</em> escalated my <em>concerns</em> to the CFPB ( XXXX # XXXX ) to ensure a fair resolution and expect Citibank 's full cooperation. \nRequested Actions : A written response addressing each of the questions listed above. \nClear documentation of all steps in the <em>investigation</em> process. \nAssurance that no final determination will be made without giving me the opportunity to <em>review</em> or contest the findings."]},"sort":[16.754498,"12704636"]},{"_index":"complaint-public-v1","_id":"13690659","_score":16.725216,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am following up to dispute your XX/XX/year>, decision regarding the {$710.00} transaction to XXXX XXXX. Based on your response and the documentation provided, I am not convinced that a full or fair investigation occurred. \n\nYour reply fails to identify : Who at XXXX XXXX was contacted, if anyone ; What specific documentation was obtained from the merchant beyond your internal records ; What criteria or external validation was used to confirm that the flight was fulfilled properly ; Whether my claims about the discrepancy in the flight details were directly investigated with the airline. \n\nIt appears that your investigation relied solely on internal logs and whatever limited info I sent, without any third-party verification. This raises concerns about the integrity of your dispute process and whether it aligns with Regulation E under the Electronic Fund Transfer Act. \n\nI am requesting a more detailed disclosure of how the investigation was conducted and any evidence obtained from XXXX XXXX to support your decision. If no such contact occurred, this constitutes a failure to perform a reasonable investigation as required under applicable law. \n\nI am prepared to escalate this further if necessary, including providing additional supporting documentation and filing with appropriate regulatory bodies, if you are unwilling to reconsider or transparently clarify your process. \n\nI expect a response that directly addresses the investigative steps you took, with supporting documentation. \n\n\nI am submitting this new complaint due to how Cash App handled my previous dispute regarding a {$710.00} charge from XXXX XXXX. While my initial concern was about a flight discrepancy, my new concern is about how Cash App responded to my dispute and whether they conducted a fair and lawful investigation. \n\nIn their XX/XX/year> response ( attached ), Cash App claims to have reviewed the dispute and denied it, stating that no error occurred. However, their reply does not provide any proof that they contacted XXXX XXXX or obtained documentation from the merchant to verify whether the service was actually provided. Instead, it appears they only reviewed internal records and what I submitted. There is no indication of any third-party verification or independent effort to confirm my claim. \n\nThis raises serious concerns under Regulation E, which requires a reasonable investigation of consumer disputes. I requested details on who they spoke to, what documentation they reviewed, and how they evaluated my claim, but none of this was addressed. \n\nI am requesting that the CFPB investigate whether Cash App met its legal obligations to conduct a proper dispute investigation and to ensure they are not improperly dismissing valid consumer claims without due process. \n\n\nXXXX. No Evidence of Merchant Contact Cash App did not indicate that they contacted XXXX XXXX at any point during the investigation. \nA proper investigation should involve direct communication with the merchant ( in this case, XXXX XXXX ) to determine whether the service was rendered or if any refund/cancellation applied. \nWithout contacting the airline, there is no independent verification of whether the flight was used, refunded, or properly booked. \n\n\n\n2. Investigation Appears Limited to Internal Records Cash Apps response repeatedly refers to the information available in our system and the documentation we relied upon, without specifying the nature of those documents. \nThis strongly suggests that the investigation relied only on internal transaction logs, which only confirm that the charge was processednot whether the service was fulfilled. \nAn internal review does not satisfy the requirement of a reasonable, impartial investigation. \n\n\n\nXXXX. No Consideration of the Discrepancy in Services Rendered The original dispute raised concerns about a discrepancy with the flight, suggesting that the service received did not match what was paid for. \nCash Apps reply does not mention : Whether the details of the flight were reviewed, Whether boarding or refund records were requested from the airline, Or whether the nature of the disputed service was understood or evaluated.\n\n4. Lack of Transparency in the Investigation Process Cash App failed to : Identify who handled the investigation, Provide a timeline of investigative steps, Outline any communication with XXXX XXXX, Disclose the documents reviewed from either party. \nThis absence of transparency makes it difficult to believe that any meaningful effort was made to validate or reject the dispute. \n\n\n\nXXXX. Failure to Meet Regulatory Standards ( Regulation E ) Under Regulation E, financial institutions are required to : Conduct a reasonable investigation, Determine whether an error occurred, Report the results and correct any errors. \nWithout merchant contact, external document review, or analysis of service fulfillment, this investigation does not meet the threshold of reasonable. \n\n\n\nConclusion Cash Apps handling of this dispute demonstrates a lack of due diligence, inadequate investigation practices, and poor transparency. I am submitting this follow-up to request that the CFPB review whether Cash App is in compliance with Regulation E, and to advocate for a more thorough, fair investigation into my claim. \n\nThank you for continuing to advocate for fair financial practices. Please let me know if additional documentation is needed.","date_sent_to_company":"2025-05-23T21:52:13.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"068XX","tags":null,"has_narrative":true,"complaint_id":"13690659","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-05-23T21:41:20.000Z","state":"CT","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>Conclusion</em> Cash Apps handling of this dispute demonstrates a lack of due diligence, inadequate <em>investigation</em> practices, and poor transparency. I am submitting this follow-up to request that the CFPB <em>review</em> whether Cash App is in compliance with Regulation E, and to advocate for a more thorough, fair <em>investigation</em> into my claim. \n\nThank you for continuing to advocate for fair financial practices. <em>Please</em> let me know if additional documentation is needed."]},"sort":[16.725216,"13690659"]},{"_index":"complaint-public-v1","_id":"3783306","_score":16.628426,"_source":{"product":"Checking or savings account","complaint_what_happened":"I'd filed a complaint with the CFPB in XXXX regarding multiple mortgage payments being posted against my checking account during the course of a month without my authorization. I reported this to the CFPB and recieved the response indicated below. I've just had an opportunity to log back into my account with CFPB this week and review the response recieved. \nAccording to the response, I needed to notify the bank within 60 days of the error for the transaction to be investigated. I did go to the bank immediately when I noticed this error, however the bank didn't offer any resolution for the error. The location I visited to research the transaction was the XXXX Branch in XXXX located at XXXXXXXX XXXX XXXXXXXX XXXX. XXXX, Al. XXXX. \nAfter I was unable to reach a resolution with BBVA I closed my account. \n\n\nI've cut and pasted your response below. \n\nMs. XXXX, according to your CFPB complaint, a {$1100.00} transaction from your mortgage company posted to your ClearChoice Premium Checking Account ( # ... XXXX ) in XX/XX/XXXX. You stated that this transaction was unauthorized since your mortgage company had already debited a payment from your checking account. You request monetary compensation from the Bank. In an effort to address your concern, we have reviewed your account. A review of the XX/XX/XXXX for your account showed that an ACH transaction from XXXX for {$2400.00} debited your account on XX/XX/XXXX. Eight ( 8 ) days later on XX/XX/XXXX, a {$1100.00} ACH debit transaction from XXXX debited your account. Further review of your account did not show that you filed a dispute claim on the XX/XX/XXXX transaction. Please note that in order for the Bank to investigate an error related to an Electronic Transfer, you must notify the Bank no later than sixty ( 60 ) days after the Bank sent the first statement on which the error or problem appeared. This information is available for your review on the last page of the statements for your account. The Bank is unable to file a dispute claim on the {$1100.00} ACH debit transaction from XXXX that debited your account because the time to dispute the transaction has expired. A copy of your XX/XX/XXXX account statement has been attached to the CFPB portal for your review. In conclusion, the time frame to dispute the additional ACH payment amount that debited your account on XX/XX/XXXX has expired. Since the Bank was not made aware of the error within sixty ( 60 ) days from the date shown on the statement in which the transaction appeared, we are unable to investigate this transaction as an error. We encourage you to contact your mortgage loan company to request a refund for the additional payment that was debited from your checking account. Your request for monetary compensation from BBVA Compass has been respectfully denied. Thank you for allowing us to address your concerns. \nPrivacy Act Statement OMB # XXXX Note on user experience Have a question? Preguntas? \n( XXXX ) XXXX An official website of the United States Government","date_sent_to_company":"2020-08-07T06:10:59.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"366XX","tags":null,"has_narrative":true,"complaint_id":"3783306","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BBVA FINANCIAL CORPORATION","date_received":"2020-08-07T01:44:26.000Z","state":"AL","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["<em>Please</em> note that in order for the Bank to <em>investigate</em> an error related to an Electronic Transfer, you must notify the Bank no later than sixty ( 60 ) days after the Bank sent the first statement on which the error or problem appeared. This information is available for <em>your</em> <em>review</em> on the last page of the statements for <em>your</em> account."]},"sort":[16.628426,"3783306"]},{"_index":"complaint-public-v1","_id":"12593198","_score":16.470695,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX XXXX XXXX. XXXX XXXX XXXX TEXAS XXXX XXXX # XXXX Subject : Formal Dispute Lack of Evidence in Fraud Investigation & Request for Refund To Whom It May Concern, I am writing to formally dispute the unauthorized transactions on my account and to demand an explanation as to why Wells Fargo has failed to provide physical evidence supporting its decision. Rather than relying on assumptions or beliefs about what happened, I expect tangible proof, including but not limited to : ATM surveillance footage showing me making the withdrawals Records proving that my phone number or voice was used to activate or authorize the debit card transactions Any other verifiable evidence linking me to these fraudulent transactions If Wells Fargo can not produce such evidence, then your investigation is incomplete and not legitimate. I was not present at the location where the fraud occurred and was, in fact, four hours away at the time. I can provide evidence of my location during the fraudulent activity, and I request that my documentation be reviewed as part of this investigation.\n\nAs a financial institution, it is Wells Fargos responsibility to conduct a thorough and fair investigation. Without definitive proof of my involvement, the appropriate course of action is to return the stolen funds to my account immediately. Failing to do so violates my rights under the Electronic Fund Transfer Act ( EFTA ) and other consumer protection laws. \n\nI request a written response detailing your final decision, along with any supporting documentation you have used to reach your conclusion. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. \n\nPlease respond within 10 business days to avoid further action.","date_sent_to_company":"2025-03-21T16:19:50.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"75216","tags":null,"has_narrative":true,"complaint_id":"12593198","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-03-21T16:14:11.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["I request a written response detailing <em>your</em> final decision, along with any supporting documentation you <em>have</em> used to reach <em>your</em> <em>conclusion</em>. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. \n\n<em>Please</em> respond within 10 business days to avoid further action."]},"sort":[16.470695,"12593198"]},{"_index":"complaint-public-v1","_id":"5963529","_score":16.32966,"_source":{"product":"Debt collection","complaint_what_happened":"I Have sent a letter and called XXXX XXXX to Remove FALSE Inaccurate Credit Information that is being reported on my credit reports from Debt Recovery Solutions : Alleged acct number XXXX To whom it may concern : I have received a notice from Debt Recovery Solutions for debt owed in the amount of {$3100.00}, which I am declaring completely fraudulent. I obtained a copy of my credit report and after reviewing the information, I noted that inaccuracies have been placed again on my credit report regarding XXXX XXXX. I have NEVER had an account or heard of XXXX  XXXX  XXXX. This information has been placed on my credit report now for the second time after initially being corrected. How was this verified and approved?, Where are my signatures, where was the money deposited or a check written to? \nHere are the factual items in which I am disputing : 1. This Debt is NOT and NEVER has been associated with me 2. I am reporting this a FRAUD 3.Re-insertion of fraudulent ; incorrect information, AFTER it was corrected when it was sent to a previous debt collector. \nI formally wrote notice to XXXX to correct my credit report and now I have to send the XXXX and XXXX. Please note that this inaccuracy has been reported twice. \nFollowing the conclusion of your investigation, please send me the results of the corrections via MAIL. \n\nThank you, XXXX XXXX","date_sent_to_company":"2022-09-08T17:28:14.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"38401","tags":null,"has_narrative":true,"complaint_id":"5963529","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Debt Recovery Solutions, LLC","date_received":"2022-09-08T16:57:42.000Z","state":"TN","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I formally wrote notice to XXXX to correct my credit report and now I <em>have</em> to send the XXXX and XXXX. <em>Please</em> note that this inaccuracy has been reported twice. \nFollowing the <em>conclusion</em> of <em>your</em> <em>investigation</em>, <em>please</em> send me the results of the corrections via MAIL. \n\nThank you, XXXX XXXX"]},"sort":[16.32966,"5963529"]},{"_index":"complaint-public-v1","_id":"5963309","_score":16.32966,"_source":{"product":"Debt collection","complaint_what_happened":"I Have sent a letter and called CASHNET USA to Remove FALSE Inaccurate Credit Information that is being reported on my credit reports from XXXX XXXX XXXX  : Alleged acct number XXXX To whom it may concern : I have received a notice from XXXX XXXX XXXX for debt owed in the amount of {$3100.00}, which I am declaring completely fraudulent. I obtained a copy of my credit report and after reviewing the information, I noted that inaccuracies have been placed again on my credit report regarding CASHNET USA. I have NEVER had an account or heard of CASH NET USA. This information has been placed on my credit report now for the second time after initially being corrected. How was this verified and approved?, Where are my signatures, where was the money deposited or a check written to? \nHere are the factual items in which I am disputing : 1. This Debt is NOT and NEVER has been associated with me 2. I am reporting this a FRAUD 3.Re-insertion of fraudulent ; incorrect information, AFTER it was corrected when it was sent to a previous debt collector. \nI formally wrote notice to XXXX to correct my credit report and now I have to send the XXXX and XXXX. Please note that this inaccuracy has been reported twice. \nFollowing the conclusion of your investigation, please send me the results of the corrections via MAIL. \n\nThank you, XXXX XXXX","date_sent_to_company":"2022-09-08T17:28:25.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"38401","tags":null,"has_narrative":true,"complaint_id":"5963309","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENOVA INTERNATIONAL, INC.","date_received":"2022-09-08T17:28:21.000Z","state":"TN","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I formally wrote notice to XXXX to correct my credit report and now I <em>have</em> to send the XXXX and XXXX. <em>Please</em> note that this inaccuracy has been reported twice. \nFollowing the <em>conclusion</em> of <em>your</em> <em>investigation</em>, <em>please</em> send me the results of the corrections via MAIL. \n\nThank you, XXXX XXXX"]},"sort":[16.32966,"5963309"]},{"_index":"complaint-public-v1","_id":"3450637","_score":15.860576,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"PER MY BILLING RIGHTS PAGE 8 OF 10 ( SEE ATTACHED ) AND FCRA REGULATIONS I HAVE INVOKED MY CARDMEMBER RIGHTS. IT STATES IF YOU ARE DISSATISFIED & HAVE TRIED TO CORRECT THE PROBLEM, YOU MAY HAVE THE RIGHT TO NOT PAY THE REMAINING DUE ON PURCHASE, IN THIS CASE ITS THE FULL AMOUNT. I HAVE CORRESPONDED WITH AMERICAN EXPRESS DISPUTE SPECIALIST XXXX AT XXXX. American Express isn't resolving a disputeabout a purchase on my statement Chargeback reason : Received goods and or services that are different than the written description provided by the merchant at the time of purchase BACKGROUND SUMMARY OF DISPUTE : On XX/XX/2019 I purchased a round trip Business Class Airline ticket for my Fianc. I reviewed XXXX XXXX travel classes and selected business class based on the criteria listed on your website which included the following : the full sleeper flat bed, 30 seat width, and fully movable headrest. Based on the dates of travel and flight availability from NY to XXXX, I selected business class flights with a connection ; however, XXXX XXXX pulled a bait and switch and provided economy seats Calls to XXXX XXXX customer service did not get resolution. On XX/XX/2019 I sent formal complaint to XXXX XXXX ( please see attached ). On the same day I received auto generated reply stating that they would be in touch with me shortly. I spent almost 5 weeks reaching to XXXX XXXX asking for assistance and resolution. On XX/XX/2019 I contacted American Express and invoked my consumer billing rights, and requested that a dispute be initiated for XXXX XXXX Transaction, and {$2500.00} was placed into dispute. I provided American express extensive details and supporting documentation, which has been included with this complaint. On XX/XX/2019 I received a letter from American Express stating they are rebilling my account because XXXX XXXX provided a copy of the receipt stating \" please be advised that this is the best copy of documentation that we could obtain from the merchant ''. I immediately contacted American Express billing dispute and shared concerns that a determination was made with investigation into the specific concerns of receiving goods or services that are different than the written description provided by the merchant at the time of purchase. I insisted on the dispute be reopened and investigated. So, the dispute was reopened. On XX/XX/2019 I received a letter American Express stating that they are rebilling my account because there is no recourse, referencing supporting documentation that was. provided in the XX/XX/2019 letter. This was the second time, the billing issue was not investigated. How can a conclusion be made when there was no research or information reviewed from the merchant? The information that I provided to American Express for the dispute investigation has overwhelming evidence to support that goods were different than the written description provided by the merchant at the time of purchase. Where is the information and documentation that XXXX XXXX provided to American Express, that led to the determination of rebilling me for transaction? The reason I reached out to American Express for help is because XXXX XXXX was unresponsive. Not only did American Express fail to investigate this twice, a conclusion was reached with no documentation review or analysis from the merchant, but now they recommend that I made additional attempts to contact an unresponsive merchant. This leads me to think that XXXX XXXX made empty promises of resolution to American Express to extend this matter past the 120 days established by American Express, knowing that the credit company will not help after this 120 day deadline.","date_sent_to_company":"2019-11-26T08:39:03.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"10306","tags":null,"has_narrative":true,"complaint_id":"3450637","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2019-11-26T03:15:02.000Z","state":"NY","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["This was the second time, the billing issue was not <em>investigated</em>. How can a <em>conclusion</em> be made when there was no research or information <em>reviewed</em> from the merchant? The information that I provided to American Express for the dispute <em>investigation</em> has overwhelming evidence to support that goods were different than the written description provided by the merchant at the time of purchase."],"issue":["Problem with a purchase shown on <em>your</em> statement"],"sub_issue":["Credit card company isn't resolving a dispute about a purchase on <em>your</em> statement"]},"sort":[15.860576,"3450637"]},{"_index":"complaint-public-v1","_id":"3405677","_score":15.856464,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"PER MY BILLING RIGHTS PAGE 8 OF 10 ( SEE ATTACHED ) AND FCRA REGULATIONS I HAVE INVOKED MY CARDMEMBER RIGHTS. IT STATES IF YOU ARE DISSATISFIED & HAVE TRIED TO CORRECT THE PROBLEM, YOU MAY HAVE THE RIGHT TO NOT PAY THE REMAINING DUE ON PURCHASE, IN THIS CASE ITS THE FULL AMOUNT. \n\nI HAVE CORRESPONDED WITH AMERICAN EXPRESS DISPUTE SPECIALIST XXXX AT XXXX. \n\nAmerican Express isn't resolving a disputeabout a purchase on my statement Chargeback reason : Received goods and or services that are different than the written description provided by the merchant at the time of purchase BACKGROUND SUMMARY OF DISPUTE : On XX/XX/2019 I purchased a round trip Business Class Airline ticket for my Fianc. I reviewed XXXX XXXX travel classes and selected business class based on the criteria listed on your website which included the following : the full sleeper flat bed, 30 seat width, and fully movable headrest. Based on the dates of travel and flight availability from NY to XXXX, I selected business class flights with a connection ; however, XXXX XXXX pulled a bait and switch and provided economy seats Calls to XXXX XXXX customer service did not get resolution. On XX/XX/2019 I sent formal complaint to XXXX XXXX ( please see attached ). On the same day I received auto generated reply stating that they would be in touch with me shortly. I spent almost 5 weeks reaching to XXXX XXXX asking for assistance and resolution. On XX/XX/2019 I contacted American Express and invoked my consumer billing rights, and requested that a dispute be initiated for XXXX XXXX Transaction, and {$2500.00} was placed into dispute. I provided American express extensive details and supporting documentation, which has been included with this complaint. On XX/XX/2019 I received a letter from American Express stating they are rebilling my account because XXXX XXXX provided a copy of the receipt stating \" please be advised that this is the best copy of documentation that we could obtain from the merchant ''. I immediately contacted American Express billing dispute and shared concerns that a determination was made with investigation into the specific concerns of receiving goods or services that are different than the written description provided by the merchant at the time of purchase. I insisted on the dispute be reopened and investigated. So, the dispute was reopened. On XX/XX/2019 I received a letter American Express stating that they are rebilling my account because there is no recourse, referencing supporting documentation that was. provided in the XX/XX/2019 letter. This was the second time, the billing issue was not investigated. How can a conclusion be made when there was no research or information reviewed from the merchant? The information that I provided to American Express for the dispute investigation has overwhelming evidence to support that goods were different than the written description provided by the merchant at the time of purchase. Where is the information and documentation that XXXX XXXX provided to American Express, that led to the determination of rebilling me for transaction? The reason I reached out to American Express for help is because XXXX XXXX was unresponsive. Not only did American Express fail to investigate this twice, a conclusion was reached with no documentation review or analysis from the merchant, but now they recommend that I made additional attempts to contact an unresponsive merchant. This leads me to think that XXXX XXXX made empty promises of resolution to American Express to extend this matter past the 120 days established by American Express, knowing that the credit company will not help after this 120 day deadline.","date_sent_to_company":"2019-10-15T05:05:39.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"10306","tags":null,"has_narrative":true,"complaint_id":"3405677","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2019-10-15T04:55:31.000Z","state":"NY","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["This was the second time, the billing issue was not <em>investigated</em>. How can a <em>conclusion</em> be made when there was no research or information <em>reviewed</em> from the merchant? The information that I provided to American Express for the dispute <em>investigation</em> has overwhelming evidence to support that goods were different than the written description provided by the merchant at the time of purchase."],"issue":["Problem with a purchase shown on <em>your</em> statement"],"sub_issue":["Credit card company isn't resolving a dispute about a purchase on <em>your</em> statement"]},"sort":[15.856464,"3405677"]},{"_index":"complaint-public-v1","_id":"1897430","_score":15.733684,"_source":{"product":"Credit reporting","complaint_what_happened":"Confirmation # XXXX dated XXXX XXXX 2016 was a failed reply to a reinvestigation of a complaint filed with CFPB. In fact, Equifax had no company name on the envelope nor on the paper inside it sufficient to chose an appropriate menu option from the CFPB complaint options. I hope I picked the correct one, since Equifax lacked that specific detail. Equifax made the very same error that that stated in this mailing : \" The Results Of Our Reinvestigation XXXX We have reviewed your concerns and our conclusions are : Please be specific with your concerns by listing the account names, numbers, and the nature of the dispute. '' They listed no specific account, number or nature of the disputes for which they reinvestigated!!! Let us begin with the last item first. The last item - dispute issue- is given to all complaints I have filed as follows : it is wrong. Fix it. Now. Instead of Equifax confirming each and every account listed on my credit report is accurate and all addresses etc. are accurate as a whole - which they are not - Equifax pretends to have reinvestigated what, specifically? Before, I get to the first XXXX items listed in their generic mailing, I want to share herein that I have filed a detailed written dispute for each account on their printed form and mailed it to them in addition to CFPB complaints. This means that all the details they claim are absent are in fact present on the form I mailed to them. Also, many CFPB complaints address specific accounts or address issues. In each CFPB complaint it asks what the issue is ; and I answered each by choosing from the menu options CFPB provides. In a \" reinvestigation '' clearly there is a conclusion from the previous \" investigation '' that gave those needed details at the onset. How am I, reading this response by mail, supposed to know which Equifax \" reinvestigation '' we are referring to? All of the things I have addressed were : 1. on my credit report with enough detail to identify the issue easily. For instance, only XXXX credit card was listed. It should not be there. But that is only half of the investigation. I wanted answers as to how it was still being reported. Other than that, student loans and a utility bill are all that are reported. 2. Addresses other than the one they mailed this mailing to are all wrong. How did the wrong ones get there? Remove them all. 3. The account numbers are blocked or changed so that a complete number is not available in a dispute. 4. The name of the creditor is an acronym. It is not clear who the furnisher of the erroneous infornation is. While Equifax provided no reinvestigation, in fact, this should get the attention of CFPB. If Equifax desired details, I will file a new and separate complaint to CFPB and Equifax to start all over again. This time, after months of wasted time, I will demonstrate that Equifax has violated the law by refusing to properly investigate any and all data on my credit report and verifying each and all otems listed as correct and verified. So an immediate statement that all items have been reviewed and verified is due today by Equifax. I am really dissapointed that a circular conversation has begun that drags on and on with no specific result by Equifax.","date_sent_to_company":"2016-04-26T16:27:56.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"48212","tags":null,"has_narrative":true,"complaint_id":"1897430","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2016-04-26T16:27:56.000Z","state":"MI","company_public_response":null,"sub_issue":"Problem with statement of dispute"},"highlight":{"complaint_what_happened":["Equifax made the very same error that that stated in this mailing : \" The Results Of Our Reinvestigation XXXX We <em>have</em> <em>reviewed</em> <em>your</em> <em>concerns</em> and our <em>conclusions</em> are : <em>Please</em> be specific with <em>your</em> <em>concerns</em> by listing the account names, numbers, and the nature of the dispute. '' They listed no specific account, number or nature of the disputes for which they reinvestigated!!! Let us begin with the last item first."],"issue":["Credit reporting company's <em>investigation</em>"]},"sort":[15.733684,"1897430"]},{"_index":"complaint-public-v1","_id":"8880734","_score":15.712753,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax Information Services LLC Dispute Resolution Department XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Documentation and Review of Credit Report Dispute Resolution To Whom It May Concern, I am writing to formally challenge the conclusions reached in your recent investigation regarding the account ending in XXXX, as reported by XXXX XXXX XXXX XXXX XXXX. Your response dated XX/XX/2024, states that adjustments have been made to my credit file. However, it fails to provide a comprehensive disclosure of the investigative process, including crucial documentation that verifies the legitimacy of the data furnished and its compliance with applicable laws and standards. \n\nDemand for Evidence and Compliance Verification : Documentation of Authority and Accuracy : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) & ( a ) ( 6 ) ( B ) ( iii ), I request detailed documentation that supports the results of your investigation. This should include : A copy of the original contract or agreement with XXXX XXXX XXXX XXXX XXXX. \nCorrespondence or transaction records that validate the reported data. \nVerification of Calculation and Reporting Standards : In light of XXXX XXXX XXXX XXXX ( XXXX ) guidelines, particularly those related to the reporting of credit losses under XXXX XXXX, provide evidence of the methodology used in determining the \" Charge Off Amount '' and its alignment with Generally Accepted Accounting Principles ( GAAP ). \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX Regulations : Given the amendments under the Bank Secrecy Act ( BSA ) and its XXXX frameworks, please furnish details showing your compliance with these regulations during the data furnishing and investigation processes, particularly concerning the verification of my identity and the prevention of fraudulent reporting. \n\nResolution and Compliance Demand : I think your response 's discrepancies in the reporting and the lack of transparency are concerning. They suggest potential non-compliance with the FCRA and other relevant statutes, which may lead to legal ramifications affecting both our parties. Failure to adequately address these concerns might compel me to take further legal action, including but not limited to seeking statutory damages under FCRA 1681n and 1681o for willful and negligent noncompliance. \n\nI expect a response within 30 days of this letter, detailing the actions you have taken to rectify these issues and including all requested documents. Please treat this matter with the urgency and diligence it requires. \n\nSincerely, XXXX XXXXXXXX XXXX XXXX XXXX without prejudice, all natural inalienable rights reserved. \n\n\ncc : Consumer Financial Protection Bureau New York Department of Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-04-29T22:27:44.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11433","tags":null,"has_narrative":true,"complaint_id":"8880734","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-29T22:20:17.000Z","state":"NY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Equifax Information Services LLC Dispute Resolution Department XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Documentation and <em>Review</em> of Credit Report Dispute Resolution To Whom It May <em>Concern</em>, I am writing to formally challenge the <em>conclusions</em> reached in <em>your</em> recent <em>investigation</em> regarding the account ending in XXXX, as reported by XXXX XXXX XXXX XXXX XXXX. <em>Your</em> response dated XX/XX/2024, states that adjustments <em>have</em> been made to my credit file."],"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 <em>your</em> report"]},"sort":[15.712753,"8880734"]},{"_index":"complaint-public-v1","_id":"2553340","_score":15.580916,"_source":{"product":"Debt collection","complaint_what_happened":"PREVIOUS CASE NUMBER WITH CFPB :XXXX CREDITOR HAD ALREADY AGREED TO REMOVE DEBT AND NOT COLLECT AND NOW THEY ARE TRYING AGAIN AND BREAKING THEIR AGREEMENT Company 's response Thank you for contacting us and allowing us the opportunity to address your concerns. We strive to conduct our business in accordance with all applicable laws without ever compromising our guiding principles of integrity, service, dedication, respect, and accountability. We appreciate the feedback you have provided and the opportunity in allowing us to address your concerns. Upon receipt of your concerns, we immediately commenced an internal investigation and to review the events that facilitated your concerns. During the course of our investigation, we have discovered that the policies and procedures we have in place to protect consumers were followed accordingly. The primarily purpose of these policies and procedures are to protect our consumers as we make every conscious effort to abide by all applicable laws to our business. Furthermore, I would like to provide you with the following facts regarding your concerns : '' An unknown collection was just recently filed to my credit report. I have no clue who the collection agency is, who they claim the original creditor is, or what the debt is for. '' o Our records reflect our representative spoke with you on XX/XX/XXXX regarding the outstanding balance with our client, XXXX XXXX, for unreturned equipment. A collection notice was sent to the address we have on file the following day. Included with our response, we have provided a copy of the letter for your records. The document is password protected with the last 4 digits of the social security number on file. \" They purchase the inquiry information from the credit bureaus, and then they look in every database available to see if they can find something to file against your credit. '' o We do not purchase credit inquiries from credit reporting agencies. XXXX XXXX placed your account in our office for collection efforts as of XX/XX/XXXX. Per our contractual agreement with our client, we report collection accounts to XXXX. \" I filed bankruptcy several years ago and have not owed any outstanding debt since being discharged back in XX/XX/XXXX. '' o The services you had with XXXX XXXX were disconnected on XX/XX/XXXX, therefore this balance did not show as outstanding and owed to XXXX in XX/XX/XXXX. \" XXXX is the only credit bureau that is reporting the information. It appears that XXXX & XXXX did n't report the account due to lack of validation. '' o We only report collection accounts to XXXX therefore this account will not appear on your XXXX or XXXX credit reports. Upon notification of your concerns, we requested XXXX XXXX to provide documents supporting the validity of the debt. A copy of this documents have been provided with our response. The document is password protected with the last 4 digits of the social security number on file. Although generally we would not honor a request to remove a legitimate account from a consumer 's credit report, after review of your account and disputes filed with XXXX XXXX directly prior to placing the account in our office, we believe your case is unique and warrants an exception to our normal business practices. Please be advised the aforementioned account has been removed from your credit report as of XX/XX/XXXX. In conclusion, we hope that you accept our explanation by considering that upon receipt of your concerns, we immediately escalated the situation and have met your desired resolution. If you have additional questions or need further clarification, feel free to contact me by email at XXXXXXXXXXXX or by phone at XXXX ext. XXXX. Sincerely, XXXX XXXX Director of Compliance XXXX XXXX , XXXX . This communication is from a debt collector. Desired resolution has been met. Collection efforts have ceased. Account has been closed and returned to creditor. ATTACHMENTS XXXX XXXX Privacy Act Statement OMB # XXXX Have a question? XXXX? ( XXXX ) XXXX An official website of the United States Government","date_sent_to_company":"2017-06-20T15:18:11.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"94087","tags":null,"has_narrative":true,"complaint_id":"2553340","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Convergent Resources, Inc.","date_received":"2017-06-20T12:32:50.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["We appreciate the feedback you <em>have</em> provided and the opportunity in allowing us to address <em>your</em> <em>concerns</em>. Upon receipt of <em>your</em> <em>concerns</em>, we immediately commenced an internal <em>investigation</em> and to <em>review</em> the events that facilitated <em>your</em> <em>concerns</em>. During the course of our <em>investigation</em>, we <em>have</em> discovered that the policies and procedures we <em>have</em> in place to protect consumers were followed accordingly."]},"sort":[15.580916,"2553340"]},{"_index":"complaint-public-v1","_id":"7820680","_score":15.555985,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the recent permanent limitation placed on my PayPal account, associated with the email address XXXX. \n\nFirstly, I believe that this limitation may have been imposed in error. I have diligently adhered to all PayPal policies and guidelines since opening my account. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe action.\n\nI kindly request PayPal to thoroughly re-investigate my case. I believe that a careful review will reveal that I have not violated any PayPal policies or terms of service. My account history should attest to my commitment to maintaining a clean and compliant PayPal account. \n\nI understand that PayPal takes security and compliance seriously, and I appreciate the need for vigilance in protecting the platform and its users. However, I firmly believe that this limitation may be a result of misunderstanding or incorrect information.\n\nI kindly ask for your prompt attention to this matter. My PayPal account plays a crucial role in my financial transactions, and its permanent limitation has caused me significant inconvenience. \n\nI am more than willing to provide any additional information or documentation necessary to facilitate the review process. Please let me know if there is any specific information you require from me. \n\nIn conclusion, I respectfully request PayPal to re-evaluate the limitation on my account and, if possible, to restore it to full functionality. I am committed to resolving this matter amicably and in full compliance with PayPal 's policies. \n\nThank you for your time and consideration. I look forward to a prompt response. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2023-11-08T17:23:46.000Z","issue":"Managing, opening, or closing your mobile wallet account","sub_product":"Mobile or digital wallet","zip_code":"78626","tags":null,"has_narrative":true,"complaint_id":"7820680","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2023-11-08T17:18:49.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am writing to express my deep <em>concern</em> regarding the recent permanent limitation placed on my PayPal account, associated with the email address XXXX. \n\nFirstly, I believe that this limitation may <em>have</em> been imposed in error. I <em>have</em> diligently adhered to all PayPal policies and guidelines since opening my account. To the best of my knowledge, I <em>have</em> not engaged in any activities that would warrant such a severe action.\n\nI kindly request PayPal to thoroughly re-<em>investigate</em> my case."],"issue":["Managing, opening, or closing <em>your</em> mobile wallet account"]},"sort":[15.555985,"7820680"]},{"_index":"complaint-public-v1","_id":"7856045","_score":15.553015,"_source":{"product":"Checking or savings account","complaint_what_happened":"This is NOT THE SAME CASE OR DISPUTE Dear Chase Bank Customer Relations, I hope this letter finds you well. I am writing to express my deep concern and dissatisfaction regarding the outcome of your recent review of the unauthorized XXXX transactions associated with my account, as detailed in your letter dated [ Date ] ( attached for reference ). \n\nUpon careful examination of your response, I must assert my disagreement with your findings and bring attention to critical aspects of this case that, in my opinion, warrant further investigation and reconsideration. \n\nXXXX. Lack of XXXX Agreements Upon Account Creation : It has come to my attention that, despite your assertions, I was not provided with the XXXX Service Agreement and Privacy Notice upon the creation of my Chase bank account. This omission is a clear violation of regulatory standards and hinders my ability to make informed decisions about utilizing the XXXX service. \n\nRegulatory Violations : Regulation E ( Electronic Fund Transfer Act ) : The failure to provide clear and accessible information about the XXXX service at the account creation stage is a breach of Regulation E, which requires financial institutions to provide consumers with proper disclosures. \nXXXX. Unjust Denial of Claims and Identity Theft : Your denial of the claims associated with my account is deeply troubling, especially considering the circumstances surrounding the unauthorized XXXX transactions. I would like to emphasize the following points : Lack of Visual or Biological Evidence : Chase Bank lacks visual or biological evidence linking me to the alleged unauthorized transactions. My phone was stolen, and despite providing a police report, I have not been afforded the appropriate consideration. \nIdentity Theft Reporting and Regulation E : The denial of my claims without due diligence in investigating potential identity theft is a violation of both customer trust and Regulation E, which mandates financial institutions to promptly investigate and resolve unauthorized transactions. \nXXXX. Request for Evidence and Transparency : I respectfully request that Chase Bank provides me with the evidence used to deny my claims. The lack of transparency in this matter raises concerns about the integrity of the decision-making process, and I believe it is my right as an account holder to be fully informed about the basis for such denials. \n\nXXXX. Escalation and Regulatory Reporting : In light of the aforementioned issues, I am compelled to escalate this matter further. I intend to forward all relevant documentation, including the police report, to the Office of Comptroller of Currency ( OCC ) for their thorough review. It is my belief that the OCC will find merit in investigating the apparent violations of regulatory standards. \n\nConclusion : I trust that Chase Bank will conduct a comprehensive reevaluation of the unauthorized XXXX transactions and address the regulatory concerns raised in this letter. I anticipate a timely resolution to this matter and the rightful return of the funds lost due to identity theft. \n\nI appreciate your attention to this serious issue and look forward to a prompt and satisfactory resolution. Please acknowledge the receipt of this letter within [ reasonable timeframe ] and provide a detailed plan of action for its resolution. \n\nThank you for your understanding and cooperation. \n\nYours sincerely, XXXX XXXX","date_sent_to_company":"2023-11-16T01:32:08.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"329XX","tags":"Servicemember","has_narrative":true,"complaint_id":"7856045","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-11-16T01:21:03.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I am writing to express my deep <em>concern</em> and dissatisfaction regarding the outcome of <em>your</em> recent <em>review</em> of the unauthorized XXXX transactions associated with my account, as detailed in <em>your</em> letter dated [ Date ] ( attached for reference ). \n\nUpon careful examination of <em>your</em> response, I must assert my disagreement with <em>your</em> findings and bring attention to critical aspects of this case that, in my opinion, warrant further <em>investigation</em> and reconsideration. \n\nXXXX."]},"sort":[15.553015,"7856045"]},{"_index":"complaint-public-v1","_id":"12810626","_score":15.480238,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX, hacker hacked my PC and wired out {$49000.00} from my account, the transaction was not consent by the account holder. The incident was reported to Citibank within less that 3 hours after the occurrence, furthermore, Citibank even let the hacker to set up a beneficiary account to receive this {$49000.00} within that short of timeframe ( less than 3 hours ) and using my home address to set it up w/o and veridiction. Citibank has promised to reopen the investigation, but no action taken, only using their form letter to delay the process. Below is a copy of my letter to Citibank 's Executive Response time : XX/XX/XXXX To : Citibank , N.A . \nExecutive Response Unit XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX CC : Consumer Financial Protection Bureau ( CFPB ) Case # XXXX Subject : Request for Clarity and Resolution Regarding Fraudulent Wire Transfer Investigation Dear Citibank Executive Response Team , I am writing in reference to your letter dated XX/XX/XXXX, concerning the fraudulent wire transfer dispute involving my checking account ( ending in XXXX ) and claim # XXXX. While I appreciate the reopening of the investigation on XX/XX/XXXX, I am seeking clarification on the following points due to conflicting language in your correspondence : 1. Current Status : Is my claim actively under investigation, or has it already been denied?\n\n2. Next Steps : What specific actions will Citibank take to ensure a thorough review of the reopened claim?\n\n3. Documentation : How should I proceed if additional information or documentation is required during the investigation? \nYour letter mentions that the investigation may take up to 60 days and that I may need to provide further details. However, it also states that Citibank considers the matter \" resolved '' and will not respond to further inquiries, which contradicts the ongoing review. \nI request explicit confirmation of the investigation 's status and ask that any premature closure language be retracted. Given the severity of this issuea fraudulent transfer of {$49000.00} on XX/XX/XXXX, XXXX urge Citibank to address this matter with diligence, transparency, and urgency. \nI have escalated my concerns to the CFPB ( XXXX # XXXX ) to ensure a fair resolution and expect Citibank 's full cooperation. \nRequested Actions : A written response addressing each of the questions listed above. \nClear documentation of all steps in the investigation process.\n\nAssurance that no final determination will be made without giving me the opportunity to review or contest the findings. \nPlease clarify the reason of why Citibank or its legal representative provided altered or tempered records during the Arbitration process. \nPlease communicate all updates in writing. I will await Citibank 's findings at the conclusion of the 60-day period and reserve the right to escalate further if the resolution is unsatisfactory. \nThank you for your prompt attention to this matter. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-04-03T14:04:49.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"94526","tags":"Older American","has_narrative":true,"complaint_id":"12810626","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-04-03T13:41:08.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["I <em>have</em> escalated my <em>concerns</em> to the CFPB ( XXXX # XXXX ) to ensure a fair resolution and expect Citibank 's full cooperation. \nRequested Actions : A written response addressing each of the questions listed above. \nClear documentation of all steps in the <em>investigation</em> process.\n\nAssurance that no final determination will be made without giving me the opportunity to <em>review</em> or contest the findings."]},"sort":[15.480238,"12810626"]},{"_index":"complaint-public-v1","_id":"8313682","_score":15.41176,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I hope this message finds you well. I am writing to express my deep concern regarding the recent permanent limitation placed on my PayPal account, associated with the email address XXXX. Firstly, I believe that this limitation may have been imposed in error. I have diligently adhered to all PayPal policies and guidelines since opening my account. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe action. I kindly request PayPal to thoroughly re-investigate my case. I believe that a careful review will reveal that I have not violated any PayPal policies or terms of service. My account history should attest to my commitment to maintaining a clean and compliant PayPal account. I understand that PayPal takes security and compliance seriously, and I appreciate the need for vigilance in protecting the platform and its users. However, I firmly believe that this limitation may be a result of misunderstanding or incorrect information. I kindly ask for your prompt attention to this matter. My PayPal account plays a crucial role in my financial transactions, and its permanent limitation has caused me significant inconvenience. I am more than willing to provide any additional information or documentation necessary to facilitate the review process. Please let me know if there is any specific information you require from me. In conclusion, I respectfully request PayPal to re-evaluate the limitation on my account and, if possible, to restore it to full functionality. I am committed to resolving this matter amicably and in full compliance with PayPal 's policies.","date_sent_to_company":"2024-02-09T11:31:07.000Z","issue":"Managing, opening, or closing your mobile wallet account","sub_product":"Mobile or digital wallet","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"8313682","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2024-02-09T11:20:00.000Z","state":null,"company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am writing to express my deep <em>concern</em> regarding the recent permanent limitation placed on my PayPal account, associated with the email address XXXX. Firstly, I believe that this limitation may <em>have</em> been imposed in error. I <em>have</em> diligently adhered to all PayPal policies and guidelines since opening my account. To the best of my knowledge, I <em>have</em> not engaged in any activities that would warrant such a severe action. I kindly request PayPal to thoroughly re-<em>investigate</em> my case."],"issue":["Managing, opening, or closing <em>your</em> mobile wallet account"]},"sort":[15.41176,"8313682"]},{"_index":"complaint-public-v1","_id":"7820472","_score":15.394435,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I hope this message finds you well. I am writing to express my deep concern regarding the recent permanent limitation placed on my PayPal account, associated with the email address XXXX. \n\nFirstly, I believe that this limitation may have been imposed in error. I have diligently adhered to all PayPal policies and guidelines since opening my account. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe action. \n\nI kindly request PayPal to thoroughly re-investigate my case. I believe that a careful review will reveal that I have not violated any PayPal policies or terms of service. My account history should attest to my commitment to maintaining a clean and compliant PayPal account. \n\nI understand that PayPal takes security and compliance seriously, and I appreciate the need for vigilance in protecting the platform and its users. However, I firmly believe that this limitation may be a result of misunderstanding or incorrect information. \n\nI kindly ask for your prompt attention to this matter. My PayPal account plays a crucial role in my financial transactions, and its permanent limitation has caused me significant inconvenience. \n\nI am more than willing to provide any additional information or documentation necessary to facilitate the review process. Please let me know if there is any specific information you require from me. \n\nIn conclusion, I respectfully request PayPal to re-evaluate the limitation on my account and, if possible, to restore it to full functionality. I am committed to resolving this matter amicably and in full compliance with PayPal 's policies.","date_sent_to_company":"2023-11-08T21:14:51.000Z","issue":"Managing, opening, or closing your mobile wallet account","sub_product":"Mobile or digital wallet","zip_code":"60617","tags":null,"has_narrative":true,"complaint_id":"7820472","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2023-11-08T21:08:48.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am writing to express my deep <em>concern</em> regarding the recent permanent limitation placed on my PayPal account, associated with the email address XXXX. \n\nFirstly, I believe that this limitation may <em>have</em> been imposed in error. I <em>have</em> diligently adhered to all PayPal policies and guidelines since opening my account. To the best of my knowledge, I <em>have</em> not engaged in any activities that would warrant such a severe action. \n\nI kindly request PayPal to thoroughly re-<em>investigate</em> my case."],"issue":["Managing, opening, or closing <em>your</em> mobile wallet account"]},"sort":[15.394435,"7820472"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":231,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":231}]}},"product":{"doc_count":231,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":103,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":100},{"key":"Other personal consumer report","doc_count":3}]}},{"key":"Checking or savings 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