{"took":124,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1118,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11580316","_score":16.520546,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"The Consumer Financial Protection Bureau ( CFPB ) sued Zelle and three major banks for failing to protect consumers from fraud on the Zelle payment network. The CFPB claims that the banks and Zelle operator, XXXX XXXX XXXX ( EWS ), failed to implement adequate safeguards and investigate fraud complaints. \nWhat the CFPB alleges The banks failed to take timely action to prevent, detect, and limit fraud The banks failed to properly investigate complaints The banks failed to provide consumers with reimbursement for fraud and errors The banks failed to follow error-resolution requirements The banks failed to treat certain transfers as incorrect and unauthorized EFTs The banks implemented poor identity verification methods The banks allowed repeat offenders to continue to gain access to the platform","date_sent_to_company":"2025-01-16T19:03:03.000Z","issue":"Confusing or missing disclosures","sub_product":"Domestic (US) money transfer","zip_code":"82009","tags":"Servicemember","has_narrative":true,"complaint_id":"11580316","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-01-16T18:58:20.000Z","state":"WY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The CFPB claims that the banks and Zelle operator, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ( EWS ), <em>failed</em> to implement adequate safeguards and <em>investigate</em> fraud complaints."],"product":["Money <em>transfer</em>, virtual currency, or money service"],"sub_product":["Domestic (US) money <em>transfer</em>"]},"sort":[16.520546,"11580316"]},{"_index":"complaint-public-v1","_id":"19240465","_score":15.823353,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XXXX XX/XX/year> The following is my response to the CFPB closure of my complaint XXXX against Wells Fargo . \n\nMy Complaint XXXX should not have been closed ; Wells Fargo continues to make egregious errors in handling this Wire Transfer. Wells Fargo Executive Office has twisted the Truth and made ridiculous excuses for their Fraud Units Failure in stopping this Wire Transfer. The Wells Fargo Executive Office continued to make excuses for their employees errors within their own Office ; and then failed on multiple occasions to provide contact information for their Legal Department. I repeatedly asked for the Legal Departments contact information so I could file a Legal Suit with the XXXX  Court. Wells Fargo has refused. \n\nDuring my conversation with XXXX XXXX XXXX, I asked/requested to escalate my claim to her manager/supervisor ; she refused multiple times but finally gave me the name of XXXX XXXX XXXX ; however , she refused to give me contact information for XXXX XXXX XXXX. \n\nDuring my conversation with XXXX XXXX XXXX, I also asked for contact information for the appropriate legal team or legal point of contact ; she refused. I told her multiple times that I needed this information to file legal documents with the Court. XXXX XXXX XXXX finally gave me the name XXXX XXXX with no contact information. \n\nDuring my conversation with XXXX XXXX XXXX, she repeatedly asked if I had any questions that she could answer. I provided the questions to XXXX XXXX XXXX and XXXX XXXX, they have refused to respond to these questions : Request CFPB Investigate and require Wells Fargo respond to these questions : 1. What is the Wells Fargo Policy for reporting Wire Transfer Irregularities?\n\n2. What is the Wells Fargo Policy for reporting Wire Transfer Fraud?\n\n3. What is the Wells Fargo Policy for reporting Wire Transfer Fraud identified by Members?\n\n4. What Agency does Wells Fargo report Wire Transfer Irregularities?\n\n5. What Agency does Wells Fargo Criminal Activity on Wire Transfer?\n\n6. What Agency did Wells Fargo report Criminal Activity on my Claim?\n\n7. What date did Wells Fargo report Criminal Activity relate to my Claim?\n\n8. What is the current status of the Criminal Report of my Claim?\n\n9. Request a copy of the Criminal Report on this Wire Transfer Fraud.\n\n10. I was visited by Social Services, why did Wells Fargo initiate an investigation of Elderly abuse with Social Services? Aside : I determined via the XXXX  Social Services that Wells Fargo Professional filed the case with them.\n\n11. What is XXXX XXXX XXXX email and mailing address? \n12. What is the Mailing address of the Wells Fargo Legal Department that will be handling this Claim?\n\n13. What is the Mailing address and Email address for filing Complaints against Wells Fargo Employees?\n\nWells Fargo Executive Office has twisted the Truth and made ridiculous excuses for their Fraud Units Failure in stopping this Wire Transfer, errors made by their staff, and failure to answer my questions.\n\nThe CFPB should continue to Investigate my substantiated complaint and require Wells Fargo to refund my {$22000.00}. \n\nXXXX XXXX XXXX XXXX","date_sent_to_company":"2026-02-04T15:11:38.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"22408","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"19240465","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-02-04T14:58:49.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["The CFPB should <em>continue</em> to <em>Investigate</em> my substantiated complaint and require Wells Fargo to refund my {$22000.00}. \n\n<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>"],"product":["Money <em>transfer</em>, virtual currency, or money service"],"sub_product":["Domestic (US) money <em>transfer</em>"]},"sort":[15.823353,"19240465"]},{"_index":"complaint-public-v1","_id":"2910165","_score":15.480443,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian continues to report Fraud information on credit report. They verified they received FTC, Police Report and Identity Theft report and continue to claim information is correct. All other reporting agencies have done proper investigation along with their third party and determined it was a fraud bankruptcy filing in 2017. The Bankruptcy List as XXXX XXXX and not XXXX XXXX, SS number on file is not listed as XXXX XXXX it's Listed as \" XXXX ''. Therefore for Experian to say information has been verified that is incorrect and they continue to report Fraud and not conduct a proper investigation. When asked who provided the information was correct or what source I was told they didn't have to give me that information. When asked to speak with supervisor, I'm always transferred to the voice mail of \" XXXX '' from the Team Integrity department, left messages and received no response. Experian has fail to comply with the Fair Credit Act","date_sent_to_company":"2018-05-17T17:11:35.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33914","tags":"Servicemember","has_narrative":true,"complaint_id":"2910165","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-05-17T16:57:55.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Therefore for Experian to say information has been verified that is incorrect and they <em>continue</em> to report Fraud and not conduct a proper <em>investigation</em>. When asked who provided the information was correct or <em>what</em> source I was told they didn't have to give me that information. When asked to speak with supervisor, I'm always <em>transferred</em> to the voice mail of \" <em>XXXX</em> '' from the Team Integrity department, left messages and received no response. Experian has <em>fail</em> to comply with the Fair Credit Act"],"issue":["Problem with a credit reporting company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.480443,"2910165"]},{"_index":"complaint-public-v1","_id":"5932960","_score":14.981318,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"In the month of XXXX, XXXX, there were several unauthorized transfers from my Chase Bank checking and saving account to a company called XXXX. Chase Bank did not notify me at all with these transactions neither did I authorize XXXX to transfer those money. So when I first found out about it in XXXX, XXXX, I reported the claim to Chase Bank. They took a month-long investigation then gave me the info of the company. I tried to resolve the issues from both banks, but none of them wanted to be responsible. \n\nHere 's what Chase Bank failed to do to protect my funds as their customer : 1. Failed to notify me asap through physical mails or e-mails about the unauthorized transactions. \n2. Failed to refund me the monthly service fees in whole which they continued to charge me when both of my checking and saving accounts were being emptied.\n\n3. Failed to alert me asap when there were unusual activities on my account.\n\n4. Failed to do their due diligence for the investigation. I had to push them to tell me who the recipient of the funds was. Otherwise, all the details weren't provided in their investigation paper. \n\nBecause of Chase Bank 's negligence, I couldn't report and close the account asap. There was zero notification from them, and they avoided talking about that subject matter and blamed me, their customer, for not protecting the data myself. \n\nIf they were to notify me on time, I could have stopped and reported the illegal activities instead of being responsible for the loss.","date_sent_to_company":"2022-08-30T15:17:38.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"11375","tags":null,"has_narrative":true,"complaint_id":"5932960","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-08-30T14:51:08.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Here 's <em>what</em> Chase Bank <em>failed</em> to do to protect my funds as their customer : 1. <em>Failed</em> to notify me asap through physical mails or e-mails about the unauthorized transactions. \n2. <em>Failed</em> to refund me the monthly service fees in whole which they <em>continued</em> to charge me when both of my checking and saving accounts were being emptied.\n\n3. <em>Failed</em> to alert me asap when there were unusual activities on my account.\n\n4. <em>Failed</em> to do their due diligence for the <em>investigation</em>."],"product":["Money <em>transfer</em>, virtual currency, or money service"],"sub_product":["Domestic (US) money <em>transfer</em>"]},"sort":[14.981318,"5932960"]},{"_index":"complaint-public-v1","_id":"15338956","_score":14.906623,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing a complaint against XXXX  / XXXX XXXX  and Rausch Sturm ( debt collection company ) regarding inaccurate and misleading credit reporting. \n\nXXXX has stated that the account in question was charged off and is now being handled by the debt collection company Rausch Sturm. However, this is not accurately reflected on my credit report. Instead, the account continues to report as charged off month after month, which is misleading and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). \n\nA charge-off is a one-time accounting event and should not be reported repeatedly each month as if it is ongoing. This practice makes it appear as though new negative activity is happening, which is inaccurate and damaging. In addition, although XXXX has confirmed that the debt has been transferred to Rausch Sturm, my credit report does not reflect that the account has been transferred, sold, or updated to show a new debt collector. Instead, it continues to report incorrectly. \n\nI have written to XXXX XXXX XXXX XXXX  XXXX times to resolve this issue, but they have failed to correct the reporting. This constitutes continued reporting of false and inaccurate information to TransUnion and Equifax. \n\nWhat I am requesting : A full investigation into why XXXX XXXX  continues to report the account as charged off month after month. \n\nCorrection of my credit report so that the account is accurately reflected ( charge-off noted once, not repeated each month ). \n\nUpdated reporting to reflect the transfer of the account to Rausch Sturm, if they are in fact the current debt owner/collector. \n\nWritten confirmation of the corrections made. \n\nXXXX XXXX XXXX XXXX  continued misreporting is harmful, misleading, and a violation of my rights under the FCRA and potentially the FDCPA. I request that this matter be investigated and resolved immediately.","date_sent_to_company":"2025-08-17T13:51:30.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"77082","tags":null,"has_narrative":true,"complaint_id":"15338956","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rausch Sturm LLP","date_received":"2025-08-17T13:30:11.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["In addition, although <em>XXXX</em> has confirmed that the debt has been <em>transferred</em> to Rausch Sturm, my credit report does not reflect that the account has been <em>transferred</em>, sold, or updated to show a new debt collector. Instead, it <em>continues</em> to report incorrectly. \n\nI have written to <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  <em>XXXX</em> times to resolve this issue, but they have <em>failed</em> to correct the reporting. This constitutes <em>continued</em> reporting of false and inaccurate information to TransUnion and Equifax."]},"sort":[14.906623,"15338956"]},{"_index":"complaint-public-v1","_id":"22581489","_score":14.855412,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Summary of the Issue : Wells Fargo is holding a {$160000.00} wire transfer sent on XX/XX/year>, and has provided no communication, no explanation, and no response to repeated inquiries. The funds were intended for my vendor, XXXX XXXX XXXX, XXXX XXXX, and were transmitted using Wells Fargo routing number XXXX. The sending institution confirmed the wire was successfully sent, but Wells Fargo has neither released the funds nor returned them to me. \n\nDetails of the Problem : I am the sender of a {$160000.00} wire transfer intended for XXXX XXXX XXXX. The wire was initiated on XX/XX/year>. Since that date, Wells Fargo has held the funds without explanation. I have contacted Wells Fargo multiple times, but I have received no communication, no updates, and no justification for the continued hold. \n\nThis prolonged and unexplained delay has caused serious financial hardship. Wells Fargo has failed to process the wire, failed to release the funds to the intended recipient, and failed to return the funds to me. \n\nWhat I Want Wells Fargo to Do : I am requesting the following : Immediate return of the full {$160000.00} to my account, since Wells Fargo has failed to complete the wire transfer. \n\nA written explanation for why the funds were held. \n\nA full investigation into why the wire was not processed within required timeframes. \n\nConfirmation of corrective action to prevent this from happening again. \n\nImpact : The lack of communication and the extended hold on my funds have caused significant financial harm and disrupted contractual obligations. Wells Fargo has not complied with expected standards for wire transfer processing or customer communication.","date_sent_to_company":"2026-05-26T18:37:17.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"03054","tags":"Older American","has_narrative":true,"complaint_id":"22581489","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-05-26T18:13:36.000Z","state":"NH","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":["Wells Fargo has <em>failed</em> to process the wire, <em>failed</em> to release the funds to the intended recipient, and <em>failed</em> to return the funds to me. \n\n<em>What</em> I Want Wells Fargo to Do : I am requesting the following : Immediate return of the full {$160000.00} to my account, since Wells Fargo has <em>failed</em> to complete the wire <em>transfer</em>. \n\nA written explanation for why the funds were held. \n\nA full <em>investigation</em> into why the wire was not processed within required timeframes."],"product":["Money <em>transfer</em>, virtual currency, or money service"],"sub_product":["Domestic (US) money <em>transfer</em>"]},"sort":[14.855412,"22581489"]},{"_index":"complaint-public-v1","_id":"15339527","_score":14.837543,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing a complaint against Target / TD Bank and XXXX XXXX ( debt collection company ) regarding inaccurate and misleading credit reporting. \n\nTarget has stated that the account in question was charged off and is now being handled by the debt collection company XXXX XXXX. However, this is not accurately reflected on my credit report. Instead, the account continues to report as charged off month after month, which is misleading and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). \n\nA charge-off is a one-time accounting event and should not be reported repeatedly each month as if it is ongoing. This practice makes it appear as though new negative activity is happening, which is inaccurate and damaging. In addition, although Target has confirmed that the debt has been transferred to XXXX XXXX, my credit report does not reflect that the account has been transferred, sold, or updated to show a new debt collector. Instead, it continues to report incorrectly. \n\nI have written to Target / TD Bank six times to resolve this issue, but they have failed to correct the reporting. This constitutes continued reporting of false and inaccurate information to TransUnion and Equifax. \n\nWhat I am requesting : A full investigation into why Target/TD Bank continues to report the account as charged off month after month. \n\nCorrection of my credit report so that the account is accurately reflected ( charge-off noted once, not repeated each month ). \n\nUpdated reporting to reflect the transfer of the account to XXXX XXXX, if they are in fact the current debt owner/collector. \n\nWritten confirmation of the corrections made. \n\nTarget / TD Banks continued misreporting is harmful, misleading, and a violation of my rights under the FCRA and potentially the FDCPA. I request that this matter be investigated and resolved immediately.","date_sent_to_company":"2025-08-17T13:51:30.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"77082","tags":null,"has_narrative":true,"complaint_id":"15339527","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2025-08-17T13:51:04.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["<em>What</em> I am requesting : A full <em>investigation</em> into why Target/TD Bank <em>continues</em> to report the account as charged off month after month. \n\nCorrection of my credit report so that the account is accurately reflected ( charge-off noted once, not repeated each month ). \n\nUpdated reporting to reflect the <em>transfer</em> of the account to <em>XXXX</em> <em>XXXX</em>, if they are in fact the current debt owner/collector. \n\nWritten confirmation of the corrections made."]},"sort":[14.837543,"15339527"]},{"_index":"complaint-public-v1","_id":"13324188","_score":14.741498,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I have a payroll card with XXXX XXXX and have been trying to transfer funds to my account at XXXX XXXX XXXX XXXX for over a year. Every time I attempt a transferwhether through the online portal or automated phone serviceI receive an unspecified error message, and the transaction fails. \n\nI have contacted customer service multiple times and opened several support cases, but I have never received a clear explanation or resolution. Each time, I am encouraged to use alternative methods like online checks, which are not a practical or acceptable long-term solution. \n\nDespite repeated follow-ups, I have received no meaningful support, no escalation to a decision-maker, and no progress toward fixing the root issue. The help desk has not provided any timeline, cause, or accountability. \n\nI am requesting a formal investigation into : Why transfers to XXXX continue to fail What the specific technical or policy issue is A concrete plan and timeline to resolve this matter After more than a year of unresolved issues and poor customer service, I am requesting intervention and escalation.","date_sent_to_company":"2025-05-04T17:11:22.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"23455","tags":null,"has_narrative":true,"complaint_id":"13324188","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FISERV FINXACT CORE","date_received":"2025-05-04T16:56:02.000Z","state":"VA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am requesting a formal <em>investigation</em> into : Why <em>transfers</em> to <em>XXXX</em> <em>continue</em> to <em>fail</em> <em>What</em> the specific technical or policy issue is A concrete plan and timeline to resolve this matter After more than a year of unresolved issues and poor customer service, I am requesting intervention and escalation."],"product":["Money <em>transfer</em>, virtual currency, or money service"],"sub_product":["Domestic (US) money <em>transfer</em>"]},"sort":[14.741498,"13324188"]},{"_index":"complaint-public-v1","_id":"21111075","_score":14.60783,"_source":{"product":"Mortgage","complaint_what_happened":"CFPB COMPLAINT FAILURE OF NEW SERVICER TO HONOR VA XXXXXXXX APPROVAL / WRONGFUL DELINQUENCY STATUS Product : Mortgage Issue : Incorrect information on account / Trouble with mortgage / Servicing transfer XXXX XXXX XXXX XXXX XXXX What happened I am filing this complaint against my current mortgage servicer for failing to correct and honor a VA-approved loan resolution ( XXXX  ) and for continuing to report and act on an incorrect delinquent loan status that was inherited from the prior servicer. \n\nThis loan is a VA-backed mortgage, and the Department of Veterans Affairs ( VA ) has confirmed : - Approval under the VA Servicing Purchase XXXX XXXX ) program - Payment of the entire loan on XX/XX/year>XXXX  - Approved loan terms, including a 2.5 % interest rate Despite this, my current servicer : - Claims they have no record of my XXXX  approval XXXX Refuses to honor the 2.5 % VA-approved rate - Continues to treat my loan as delinquent - Is relying on incomplete and inaccurate data transferred from the prior servicer XXXX XXXX XXXX XXXX XXXX  Servicing Transfer Error Inherited Delinquency At the time my loan was transferred : - I was in an active trial payment plan - I had made all required payments on time and in full - I had been told I was approved and in good standing- I was told my loan would be resolved by XX/XX/year>XXXX  There was no valid basis for my loan to be transferred as delinquent. \n\nThe current servicer has a responsibility to investigate and correct inaccurate transferred information, but has failed to do so. \n\n-- - # # # Failure to Investigate and Correct Errors The current servicer has been made aware that : - The delinquency status is incorrect and disputed- The VA has confirmed approval and payoff under XXXX - The prior servicer failed to properly transfer records However, instead of correcting the issue, they : - Continue to rely on inaccurate inherited data - Refuse to verify information with the VA - Refuse to honor the approved loan terms- Continue to treat the loan as delinquent This is a failure to properly investigate a known servicing error under RESPA. \n\n-- - # # # Borrower Compliance I fully complied with all requirements : - Entered trial payment plan in XX/XX/year>XXXX  - Made all required payments on time ( XXXX, XXXX, XXXX ) - Submitted all required documentation on time - Maintained consistent communication with the servicer and VA I was repeatedly told : - I was approved - I was good to go- There was nothing further required XXXX XXXX XXXX XXXX XXXX Ongoing Harm Due to the current servicers refusal to correct these errors : - My loan is being incorrectly treated as delinquent - My VA-approved 2.5 % rate is not being honored- I am receiving foreclosure-related communications - I am experiencing financial, emotional, and housing instability This harm is the result of servicer errornot borrower noncompliance. \n\n-- - # # # What I want the company to do to fix the problem I am requesting that my current servicer : 1. Correct the loan status immediately to reflect accurate, non-delinquent standing 2. Honor the VA-approved XXXX terms XXXX including the 2.5 % interest rate 3. Conduct a full investigation of the servicing transfer and prior servicer errors 4. Coordinate directly with the VA and prior servicer to obtain accurate records 5. Stop all foreclosure activity immediately 6. Correct any negative credit reporting related to this error 7. Provide written confirmation of all corrections made -- - # # # Additional Information This issue stems from a servicing transfer error that the current servicer has failed to correct, despite being placed on notice and provided with sufficient information to investigate. \n\nI have documentation available, including : - Payment confirmations - Proof of document delivery - VA-related confirmation - Communication records -- - I am requesting immediate regulatory review and intervention to correct this issue.","date_sent_to_company":"2026-04-09T23:11:39.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"VA mortgage","zip_code":"78109","tags":"Servicemember","has_narrative":true,"complaint_id":"21111075","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2026-04-09T23:07:09.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue with the application process"},"highlight":{"complaint_what_happened":["The current servicer has a responsibility to <em>investigate</em> and correct inaccurate <em>transferred</em> information, but has <em>failed</em> to do so. \n\n-- - # # # Failure to <em>Investigate</em> and Correct Errors The current servicer has been made aware that : - The delinquency status is incorrect and disputed- The VA has confirmed approval and payoff under <em>XXXX</em> - The prior servicer <em>failed</em> to properly <em>transfer</em> records However, instead of correcting the issue, they : - <em>Continue</em> to rely on inaccurate inherited data - Refuse to"]},"sort":[14.60783,"21111075"]},{"_index":"complaint-public-v1","_id":"18358455","_score":14.49919,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am submitting this complaint regarding Navy Federal Credit Unions failure to comply with the Electronic Fund Transfer Act ( EFTA ) and Regulation E ( 12 CFR 1005.11 ).\n\nUnauthorized electronic fund transfers were made from my checking account. I provided timely notice to Navy Federal Credit Union disputing these transactions as unauthorized.\n\nUnder Regulation E, Navy Federal was required to complete its investigation within 10 business days or, if the investigation was not completed within that timeframe, to provisionally credit my account for the full disputed amount while the investigation continued.\n\nMore than 10 business days passed after my notice. Navy Federal Credit Union did not complete the investigation and did not provide the required provisional credi\nt.\n\nAfter the statutory deadline passed, I sent Navy Federal Credit Union a written Regulation E violation notice and demand for immediate provisional credit. That written demand was delivered on XX/XX/XXXX. Despite receiving written notice of the violation, Navy Federal Credit Union still failed to provide provisional credit or otherwise cure the violation.\n\nAs of today, the disputed funds remain withheld. This failure constitutes a violation of the Electronic Fund Transfer Act and Regulation E.\n\nWhat harm did this cause?\n\nUnauthorized funds were removed from my account My account balance was reduced without authorization I incurred financial harm due to the withheld funds Navy Federal Credit Union failed to follow mandatory consumer protections required by law","date_sent_to_company":"2025-12-30T01:16:43.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"77338","tags":"Servicemember","has_narrative":true,"complaint_id":"18358455","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-12-30T01:07:56.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["That written demand was delivered on XX/XX/<em>XXXX</em>. Despite receiving written notice of the violation, Navy Federal Credit Union still <em>failed</em> to provide provisional credit or otherwise cure the violation.\n\nAs of today, the disputed funds remain withheld. This failure constitutes a violation of the Electronic Fund <em>Transfer</em> Act and Regulation E.\n\n<em>What</em> harm did this cause?"]},"sort":[14.49919,"18358455"]},{"_index":"complaint-public-v1","_id":"18206241","_score":14.353888,"_source":{"product":"Checking or savings account","complaint_what_happened":"Below is a full, in-depth CFPB complaint drafted in regulatory language, designed to withstand review and force escalation. It leaves nothing unturned, references Regulation E, your FTC report, all XXXX statements, and clearly instructs Chime on what must be investigated CFPB COMPLAINT IN-DEPTH NARRATIVE Financial Institution : Chime Financial , Inc. XXXX XXXX XXXXXXXX XXXX XXXX XXXX. \nAccount Type : Checking and Savings Complainant : XXXX XXXX Email : XXXX FTC Identity Theft Report : # XXXX What happened? ( Detailed Narrative ) I am filing this complaint regarding ongoing identity theft, unauthorized electronic fund transfers, and account compromise involving my Chime checking and savings accounts. The disputed activity began in XX/XX/XXXX and continued through XX/XX/XXXX, despite my lack of authorization and attempts to secure my finances. \n\nDuring this period, my account activity shows repeated unauthorized peer-to-peer transfers, ATM withdrawals ( including casino and reservation ATMs ), rapid depletion of deposits immediately after posting, and circular fund movements inconsistent with my historical banking behavior. These transactions appear across multiple consecutive months, demonstrating a pattern of sustained third-party control, not isolated error. \n\nI have attached bank statements for XXXX XXXX and XXXX XXXX, along with a transaction-by-transaction forensic breakdown identifying dates, times, amounts, recipients, locations, and running balances. \n\n\n\nWhy I believe this is identity theft and unauthorized activity 1. I did not authorize the listed transfers, ATM withdrawals, or peer-to-peer payments.\n\n2. Activity often occurred immediately after deposits, suggesting automated or third-party access.\n\n3. Transactions were made to recurring individuals and locations, not typical of my usage.\n\n4. ATM withdrawals occurred at casino and reservation locations inconsistent with my patterns.\n\n5. Activity persisted across months, even when balances were low or accounts should have been secured. \n\nI filed an FTC Identity Theft Report ( Ref # XXXX ) and provided this documentation to Chime. \n\n\n\nThird-Party Access & Correlation Concern ( For Investigation ) From XX/XX/XXXX forward, XXXXXXXX XXXX, my XXXX XXXX XXXXaseworker, had authorized access to my personally identifiable information, including my Social Security number, benefit data, housing records, and banking context. \n\nHer access period overlaps exactly with the escalation of unauthorized banking activity. I am not asserting criminal guilt ; however, due to the overlap in timing and access, I am requesting Chime and the CFPB require cross-referencing of internal access logs, device/IP metadata, and recipient routing data against this individual and other recurring recipients. \n\nThis is a correlation request, not a conclusion. \n\n\n\nWhat Chime has failed to do Failed to prevent continued unauthorized transactions across multiple months Failed to adequately secure the account after compromise indicators Failed to provide a clear Regulation E determination Failed to proactively identify repeated recipients and access anomalies Allowed continued fund depletion despite obvious red flags Laws and regulations implicated Electronic Fund Transfer Act ( EFTA ) Regulation E ( 12 CFR 1005 ) unauthorized electronic fund transfers Duty to investigate and provide provisional credit Duty to preserve records and access logs What I want the CFPB to require I am requesting the CFPB require Chime to : 1. Conduct a full forensic investigation of my account 2. Review and disclose device IDs, IP addresses, login timestamps, and access logs 3. Identify all third-party recipients and transaction endpoints 4. Issue provisional and final reimbursement for unauthorized transactions 5. Provide a written explanation of findings per Regulation E 6. Preserve all records for potential regulatory or legal review Supporting documentation attached FTC Identity Theft Report ( # XXXX ) Chime checking statements ( XXXX XXXX ) Chime checking statements ( XXXX XXXX ) Chime savings statement ( XX/XX/XXXX ) Transaction-by-transaction forensic breakdown Final statement This complaint is submitted in good faith and supported by extensive documentation. The pattern, duration, and nature of the activity demonstrate account compromise and identity misuse, not consumer error. \n\nI respectfully request CFPB oversight to ensure compliance with federal consumer protection laws.","date_sent_to_company":"2026-01-20T21:03:08.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"92057","tags":"Servicemember","has_narrative":true,"complaint_id":"18206241","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-12-21T15:48:16.000Z","state":"CA","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["<em>What</em> Chime has <em>failed</em> to do <em>Failed</em> to prevent <em>continued</em> unauthorized transactions across multiple months <em>Failed</em> to adequately secure the account after compromise indicators <em>Failed</em> to provide a clear Regulation E determination <em>Failed</em> to proactively identify repeated recipients and access anomalies Allowed <em>continued</em> fund depletion despite obvious red flags Laws and regulations implicated Electronic Fund <em>Transfer</em> Act ( EFTA ) Regulation E ( 12 CFR 1005 ) unauthorized electronic fund <em>transfers</em> Duty to"]},"sort":[14.353888,"18206241"]},{"_index":"complaint-public-v1","_id":"6426126","_score":14.038175,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/2022, I fell victim to a text based phishing attempt that eventually ended up with me being defrauded of {$22000.00}. \nThe text appeared to be from Chase and involved me replying to the text saying No to a supposed wire transfer attempt. A person claiming to be a Chase XXXX XXXX member called immediately and through the process ( for which there are a lot of details I can provide ), I ended up wiring {$22000.00} to the fraudster and Chase couldnt get the wire recalled. I continued to contact Chase, explaining the reasons why my situation should be investigated, and their canned reply was that I would have to pursue the matter outside of Chase. The recipient bank of the fraudster, XXXX XXXX XXXX wanted a Hold Harmless letter to send the funds back, but Chase XXXX have one. \n\nWhere my complaint comes from : 1. Chase didnt immediately lock my accounts. This has been their normal process and when my mom tried to send me a XXXX payment for {$5000.00} to cover a mortgage payment I could no longer afford due to the fraud, Chase ( her bank, also ) immediately locked her account and declined the transfer until she called them and gave permission. \n\n2. I received an email that the fraudulent transfer had been initiated, followed by an email that the transfer was canceled. Thats what I would expect. \nHowever, 2 hours later I received another email saying that the wire transfer had been processed. \n\nThe stated wire transfer recipient is me, but spelled XXXX XXXX. This is due the fraudster manipulating me via phone to submit the wire transfer. The recipient was listed to be me. In the body of this same email, it later says that the recipient is XXXX XXXX. This is due to the recipient field being pre-populated with XXXX recipients via a drop down menu, of which one was XXXX XXXX. I always thought I was wiring myself to recall the transfer. \n\nXXXX. Ive spoken to so many different Chase reps, XXXX visits to the local bank and via secure messaging with multiple internal teams and my case was closed XX/XX/XXXX with me being out {$22000.00} with no recourse other than to take them to arbitration/sue for negligence. \n\nChase not only failed me by their internal processes failing and/or not being followed, but failing to detect what is an obvious breach of my online account. Subsequently, Chase also showed XXXX effort to investigate what actually happened because the transfer was initiated by me, even when I told their wire team exactly what happened. \nThey couldnt even provide a letter that possibly would have gotten me my money back","date_sent_to_company":"2023-01-11T22:30:33.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"77406","tags":"Servicemember","has_narrative":true,"complaint_id":"6426126","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-01-11T22:22:47.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Subsequently, Chase also showed <em>XXXX</em> effort to <em>investigate</em> <em>what</em> actually happened because the <em>transfer</em> was initiated by me, even when I told their wire team exactly <em>what</em> happened. \nThey couldnt even provide a letter that possibly would have gotten me my money back"],"product":["Money <em>transfer</em>, virtual currency, or money service"],"sub_product":["Domestic (US) money <em>transfer</em>"]},"sort":[14.038175,"6426126"]},{"_index":"complaint-public-v1","_id":"7217715","_score":14.023295,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2023 I initiated an electronic transfer of {$12000.00}, from my Joint Synchrony High Yield Savings account, where I am the primary owner of the account, and my wife is the secondary owner. The destination account for the transfer is also a XXXX XXXX account owned by me and my wife at XXXX Bank ( a.k.a. XXXX ), where I am also the primary owner, and my wife is the secondary owner. \n\nThese XXXX accounts had been recently linked to enable electronic transfers, following the the Synchrony Bank process, which involves the typical XXXX small test-deposit verification process. This means that the ownership and exact information of the XXXX savings account had already been verified by Synchrony. \n\nOn XX/XX/XXXX I received an email from Synchrony Bank with the subject line : ALERT : Your transfer # XXXX did not complete, and the email went on to explain that : a ) the transfer amount could not be deposited, b ) that the funds would be returned to the Synchrony Savings account within XXXX days, and c ) that if I required information about the issue I should call the customer service number provided in the email. \n\nI did call, of course, and the Synchrony agent on the phone informed me that there was a mismatch in the ownership of the receiving account, meaning that the ownership of the XXXX XXXX account receiving the funds did not match the ownership of the Synchrony account where the funds were being transferred from. I was completely baffled by this and tried my best to explain that this was not possible since both my wife and I were owners of both accounts, and furthermore, with exactly the same ownership structure ( me as primary and my wife as co-owner ). \n\nWhen I started asking the agent whether they needed anything from me to demonstrate that there was no mismatch in the accounts ownership, the agent interrupted me to tell me that the real issue was that he could see that there were several logins in the past XXXX weeks from geographies other than my home state ( Missouri ). Then, as I was beginning to clarify that, indeed, I had been traveling abroad the last XXXX weeks, so the logins were mine, the banker again interrupted me to inform me that, at that very moment a decision had been made to close my account because of suspicious activity. He also told me that our other joint account with Synchrony, a money market account, would also be closed. \n\nI was shocked! I asked the agent for information on a recourse, and he said I had none. I asked the agent what to expect ; what would happen next? \n\nThe answer was that, after the funds of the failed transfer reappeared back in the XXXX Synchrony savings account, both the savings and money market accounts would be immediately closed. When closed, I would have no more access to them on the app or website, and the complete balance would be transferred out of Synchrony, and back to the bank accounts where they originated from, before they were deposited to Synchrony. He also said that the process would take XXXX to XXXX working days. At that point I was still shocked but happy to hear that my funds would be returned to me within a week. The total balance in or Synchrony joint savings account is {$12000.00}, and in our Synchrony joint money market account is only {$10.00}. \n\nThe failed transfer funds reappeared in the Synchrony savings account almost immediately on XX/XX/XXXX, however, none of the other steps I was informed about occurred. The accounts were not closed, I continued to have online access to them via the app and website. The only apparent difference was that a restricted account flag appeared underneath both of them in the app dashboard, and of course no withdrawals or transfers were enabled. The funds were not being returned to their originating accounts. \n\nTo understand this inconsistency, I called again Synchrony Bank customer service on XX/XX/XXXX to ask about the status of the account and when could I expect to see my funds returned to me. \n\nThe new agent gave me a different answer than the previous representative. She indicated that our Synchrony accounts were not closed, but rather, under investigation. The reason for the investigation was the failed transfer, nothing about the international log ins. She also said the funds were locked in the account until the investigation was concluded, quickly indicating that there is no time limit so the investigation could go on indefinitely. She also told me that she could not give me any more information because the case was being looked at in the back office. I asked about any recourse to either clarify the situation or get access to our funds, but she said I had none. \n\nSo, the bottom line is that Synchrony Bank frozeour joint savings and money markets accounts, seized the funds deposited in those accounts ( currently {$12000.00} and {$10.00}, respectively ). In my attempts to get an explanation and path for resolution I was given conflicting reasons for the issue ( first the failed transfer, then long ins I made while traveling, then the failed transfer again ). I was also given conflicting information on the status of the accounts ( first they were to be closed and later under investigation or restricted until further notice ). \n\nTo date, Synchrony Bank has not reached out to me, via any means, either to request documentation about ownership of the accounts involved, my travel documents, or any other information they XXXX need to quickly resolve their investigation. I am not seeking that my Synchrony accounts be reinstated. Frankly, I dont want to continue being a client. What I want is to recover my money, and that if the bank needs information, that they reach out to ask for it.","date_sent_to_company":"2023-07-07T21:02:02.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"63368","tags":null,"has_narrative":true,"complaint_id":"7217715","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2023-07-07T20:37:43.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I asked the agent <em>what</em> to expect ; <em>what</em> would happen next? \n\nThe answer was that, after the funds of the <em>failed</em> <em>transfer</em> reappeared back in the <em>XXXX</em> Synchrony savings account, both the savings and money market accounts would be immediately closed. When closed, I would have no more access to them on the app or website, and the complete balance would be <em>transferred</em> out of Synchrony, and back to the bank accounts where they originated from, before they were deposited to Synchrony."]},"sort":[14.023295,"7217715"]},{"_index":"complaint-public-v1","_id":"3467515","_score":13.928326,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"For 3 months equifax has failed to conduct a thorough investigation. I sent in several disputes for over 3 months with supporting documentation and the credit file was never updated correctly. Instead of Equifax conducting an investigation that failed to review any of the documents and allowed the creditor to continuously change the delinquency dates. As I filed CFPB complaints Equifax did not review what was stated in the complaints and kept throwing the account in dispute as balance being disputed which was incorrect. I have over 25 recorded calls of representatives and supervisors disconnecting the call on me, cold transferring my call without notice, discussing information in my file without verifying me first and denying my right to be transferred or speak to a supervisor. The last credit report I received from Equifax on XX/XX/2019 stated the account was updated as pays as agreed and all late charges were deleted. On XX/XX/2019 I received notification that I had a new charge off listed on my report. Equifax made modifications on the report to again reflect charge off with no notice to myself. There were no open disputes on file and all disputes in regards to the acct had been cancelled as of XX/XX/19. They have made SEVERAL FCRA violations. My credit score has been affecting as it is reporting I had a deliquency reported a month ago but this account was reported as a delinquency 6 years ago.1. CRA failed to conduct a proper investigation and follow dispute guidelines2. Failure to notify myself with the new negative credit information.3. CRA is reporting an old debt as new by manipulating delinquency dates to list account as first being reported as a charge off in 2019.4. CRA’s are obliged to correct or delete inaccurate information within 30 days and failed to do so5. CRA continued to report a debt as charged off when it was settled or paid.","date_sent_to_company":"2019-12-13T17:49:19.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32244","tags":null,"has_narrative":true,"complaint_id":"3467515","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-12-13T17:25:11.000Z","state":"FL","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["For 3 months equifax has <em>failed</em> to conduct a thorough <em>investigation</em>. I sent in several disputes for over 3 months with supporting documentation and the credit file was never updated correctly. Instead of Equifax conducting an <em>investigation</em> that <em>failed</em> to review any of the documents and allowed the creditor to continuously change the delinquency dates."],"issue":["Problem with a credit reporting company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[13.928326,"3467515"]},{"_index":"complaint-public-v1","_id":"12338456","_score":13.922351,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB Complaint Department, I am filing a formal complaint against XXXX and Comenity Bank/Express for violating the Fair Credit Reporting Act ( FCRA ) and California XXXX XXXX XXXX by inaccurately reporting and unlawfully updating a charged-off account ( Account ending in XXXX ) on my credit report. \n\nNature of the Complaint : XXXX is allowing Comenity Bank to update an account they no longer own. \n\nAccording to my credit report, Comenity Bank sold or transferred this account, meaning they no longer have the right to update it under FCRA 1681s-2 ( b ). \nDespite this, Comenity Bank continues to modify the accounts status, which is misleading and deceptive. \nXXXX has failed to conduct a proper investigation. \n\nUnder FCRA 1681i ( a ), XXXX is required to investigate and correct inaccurate information. Instead, they continue to allow contradictory payment details to remain on my report : The Date of Last Payment is listed as both XX/XX/year> and XX/XX/year>, demonstrating clear inconsistency. \nThe Actual Payment Amount is falsely reported as {$0.00}, despite recorded payments. \nPotential Unfair Re-Aging of Debt. \n\nIf Comenity Bank is modifying this account after transferring it, this could be an attempt to re-age the debt to extend its negative impact on my credit report, which violates FCRA 1681s-2 ( a ) ( 1 ) ( A ). \nViolations of California Consumer Protection Laws : California XXXX XXXX XXXX ( a ) prohibits furnishers from reporting inaccurate or misleading information to credit bureaus. \n\nCalifornia XXXX XXXX XXXX sets a four-year statute of limitations on most debts, yet XXXX Banks continued updates XXXX be unlawfully extending the reporting period. \nRelief Sought : I request the CFPB to investigate XXXX and Comenity Bank for these violations and require : Immediate deletion of this inaccurate and improperly updated account. \nA full explanation from XXXX on what verification method/documents were used to justify continued reporting. \nA review of XXXX compliance with FCRAs dispute investigation requirements. \nI have previously disputed this matter with XXXX, and they have failed to correct it. I request the CFPBs intervention to ensure compliance with federal and state laws. \n\nThank you for your time and assistance in resolving this matter. \n\nSincerely, XXXX","date_sent_to_company":"2025-03-06T01:53:09.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91387","tags":null,"has_narrative":true,"complaint_id":"12338456","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2025-03-06T01:52:42.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["According to my credit report, Comenity Bank sold or <em>transferred</em> this account, meaning they no longer have the right to update it under FCRA 1681s-2 ( b ). \nDespite this, Comenity Bank <em>continues</em> to modify the accounts status, which is misleading and deceptive. \n<em>XXXX</em> has <em>failed</em> to conduct a proper <em>investigation</em>. \n\nUnder FCRA 1681i ( a ), <em>XXXX</em> is required to <em>investigate</em> and correct inaccurate information."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[13.922351,"12338456"]},{"_index":"complaint-public-v1","_id":"22313992","_score":13.893328,"_source":{"product":"Checking or savings account","complaint_what_happened":"I formally dispute the conclusion reached regarding claim XXXX and request an immediate escalation and reinvestigation of this matter.\n\nYour response improperly characterizes this incident as a simple authorized merchant dispute while failing to adequately address the fraudulent and deceptive conduct used to induce the transfer. This was not a legitimate transaction dispute involving dissatisfaction with services. The funds were obtained through misrepresentation and fraudulent inducement.\n\nThe recipient represented themselves as a legitimate business/provider through XXXX and XXXX XXXX in order to obtain payment. After payment was sent, the account immediately changed identifying information and failed to provide the promised services/products. This behavior is consistent with intentional fraud and impersonation, not a routine contractual disagreement between consumer and merchant.\n\nYour determination appears to rely solely on the fact that I technically initiated the transfer. However, authorization obtained through deception, impersonation, or fraudulent misrepresentation should not automatically eliminate consumer protections or end the investigation. At no point did I knowingly authorize funds to be transferred to a fraudulent party operating under false pretenses.\n\nAdditionally, I believe the investigation conducted was inadequate for several reasons : The response fails to explain what investigative steps were actually taken.\n\nNo evidence was provided showing how the recipient was determined to be legitimate.\n\nNo explanation was provided regarding whether account activity, profile changes, fraud indicators, prior complaints, or suspicious conduct were reviewed. \nXXXX XXXX delayed the dispute process by instructing me to first request a refund instead of immediately processing the fraud dispute, reducing my ability to recover funds promptly.\n\nThe response improperly shifts all responsibility to the consumer despite clear evidence of deceptive conduct by the recipient.\n\nI am requesting the following immediately : 1. A full reinvestigation of this claim under fraud and deceptive inducement standards rather than a standard merchant dispute framework.\n\n2. Copies of all records, investigative notes, findings, policies, and evidence relied upon in denying reimbursement.\n\n3. Clarification regarding what specific evidence was used to conclude no error occurred.\n\n4. Confirmation of whether the recipient account was reviewed for suspicious activity, prior fraud complaints, or account/profile changes after payment.\n\n5. Escalation of this matter to a senior investigator or executive review team.\n\nI acted promptly and in good faith upon discovering the fraud. I provided supporting evidence and attempted recovery through the channels instructed to me. The current response does not sufficiently address the fraudulent nature of this incident and fails to provide transparency regarding the investigation performed.\n\nIf this matter continues to be denied without meaningful review, I reserve the right to pursue additional complaints with state and federal regulatory agencies and explore all available legal remedies","date_sent_to_company":"2026-05-18T18:49:03.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"98122","tags":null,"has_narrative":true,"complaint_id":"22313992","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-05-18T18:43:00.000Z","state":"WA","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":["However, authorization obtained through deception, impersonation, or fraudulent misrepresentation should not automatically eliminate consumer protections or end the <em>investigation</em>. At no point did I knowingly authorize funds to be <em>transferred</em> to a fraudulent party operating under false pretenses.\n\nAdditionally, I believe the <em>investigation</em> conducted was inadequate for several reasons : The response <em>fails</em> to explain <em>what</em> <em>investigative</em> steps were actually taken."]},"sort":[13.893328,"22313992"]},{"_index":"complaint-public-v1","_id":"12338859","_score":13.865199,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB Complaint Department, I am filing a formal complaint against Equifax and XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ) and California consumer protection laws by inaccurately reporting and unlawfully updating a charged-off account ( Account ending in XXXX ) on my credit report. \n\nNature of the Complaint : Equifax is allowing XXXXXXXX XXXX to update an account they no longer own. \n\nAccording to my credit report, XXXXXXXX XXXX sold or transferred this account, meaning they no longer have the right to update it under FCRA 1681s-2 ( b ). \nDespite this, XXXXXXXX XXXX continues to modify the accounts status, which is misleading and deceptive. \nEquifax has failed to conduct a proper investigation. \n\nUnder FCRA 1681i ( a ), Equifax is required to investigate and correct inaccurate information. Instead, they continue to allow contradictory payment details to remain on my report : The Date of Last Payment is listed as both XX/XX/year> and XX/XX/year>, demonstrating clear inconsistency. \nThe Actual Payment Amount is falsely reported as {$0.00}, despite recorded payments. \nPotential Unfair Re-Aging of Debt. \n\nIf XXXXXXXX XXXX is modifying this account after transferring it, this could be an attempt to re-age the debt to extend its negative impact on my credit report, which violates FCRA 1681s-2 ( a ) ( 1 ) ( A ).\n\nViolations of California Consumer Protection Laws : California Civil Code 1785.25 ( a ) prohibits furnishers from reporting inaccurate or misleading information to credit bureaus. \n\nCalifornia Civil Code 337 sets a four-year statute of limitations on most debts, yet XXXXXXXX XXXX continued updates may be unlawfully extending the reporting period. \nRelief Sought : I request the CFPB to investigate Equifax and XXXXXXXX XXXX for these violations and require : Immediate deletion of this inaccurate and improperly updated account. \nA full explanation from Equifax on what verification method/documents were used to justify continued reporting. \nA review of Equifaxs compliance with FCRAs dispute investigation requirements. \nI have previously disputed this matter with Equifax, and they have failed to correct it. I request the CFPBs intervention to ensure compliance with federal and state laws. \n\nThank you for your time and assistance in resolving this matter. \n\nSincerely, XXXX","date_sent_to_company":"2025-03-06T01:53:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91387","tags":null,"has_narrative":true,"complaint_id":"12338859","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-06T01:52:42.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["According to my credit report, XXXXXXXX <em>XXXX</em> sold or <em>transferred</em> this account, meaning they no longer have the right to update it under FCRA 1681s-2 ( b ). \nDespite this, XXXXXXXX <em>XXXX</em> <em>continues</em> to modify the accounts status, which is misleading and deceptive. \nEquifax has <em>failed</em> to conduct a proper <em>investigation</em>. \n\nUnder FCRA 1681i ( a ), Equifax is required to <em>investigate</em> and correct inaccurate information."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[13.865199,"12338859"]},{"_index":"complaint-public-v1","_id":"12338806","_score":13.865199,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB Complaint Department, I am filing a formal complaint against Equifax and XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ) and California consumer protection laws by inaccurately reporting and unlawfully updating a charged-off account ( Account ending in XXXX ) on my credit report. \n\nNature of the Complaint : Equifax is allowing XXXXXXXX XXXX to update an account they no longer own. \n\nAccording to my credit report, XXXXXXXX XXXX sold or transferred this account, meaning they no longer have the right to update it under FCRA 1681s-2 ( b ). \nDespite this, XXXXXXXX XXXX continues to modify the accounts status, which is misleading and deceptive. \nEquifax has failed to conduct a proper investigation. \n\nUnder FCRA 1681i ( a ), Equifax is required to investigate and correct inaccurate information. Instead, they continue to allow contradictory payment details to remain on my report : The Date of Last Payment is listed as both XX/XX/year> and XX/XX/year>, demonstrating clear inconsistency. \nThe Actual Payment Amount is falsely reported as {$0.00}, despite recorded payments. \nPotential Unfair Re-Aging of Debt. \n\nIf XXXXXXXX XXXX is modifying this account after transferring it, this could be an attempt to re-age the debt to extend its negative impact on my credit report, which violates FCRA 1681s-2 ( a ) ( 1 ) ( A ).\n\nViolations of California Consumer Protection Laws : California Civil Code 1785.25 ( a ) prohibits furnishers from reporting inaccurate or misleading information to credit bureaus. \n\nCalifornia Civil Code 337 sets a four-year statute of limitations on most debts, yet XXXXXXXX XXXX continued updates may be unlawfully extending the reporting period. \nRelief Sought : I request the CFPB to investigate Equifax and XXXXXXXX XXXX for these violations and require : Immediate deletion of this inaccurate and improperly updated account. \nA full explanation from Equifax on what verification method/documents were used to justify continued reporting. \nA review of Equifaxs compliance with FCRAs dispute investigation requirements. \nI have previously disputed this matter with Equifax, and they have failed to correct it. I request the CFPBs intervention to ensure compliance with federal and state laws. \n\nThank you for your time and assistance in resolving this matter. \n\nSincerely, XXXX","date_sent_to_company":"2025-03-06T01:53:14.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91387","tags":null,"has_narrative":true,"complaint_id":"12338806","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-06T01:28:45.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["According to my credit report, XXXXXXXX <em>XXXX</em> sold or <em>transferred</em> this account, meaning they no longer have the right to update it under FCRA 1681s-2 ( b ). \nDespite this, XXXXXXXX <em>XXXX</em> <em>continues</em> to modify the accounts status, which is misleading and deceptive. \nEquifax has <em>failed</em> to conduct a proper <em>investigation</em>. \n\nUnder FCRA 1681i ( a ), Equifax is required to <em>investigate</em> and correct inaccurate information."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[13.865199,"12338806"]},{"_index":"complaint-public-v1","_id":"13116427","_score":13.755186,"_source":{"product":"Mortgage","complaint_what_happened":"Dear CFPB, I am writing to file a formal complaint against RoundPoint Mortgage Servicing Corporation for unjustified late fees totaling {$260.00}. \n\nMy mortgage was transferred from XXXX XX/XX/XXXXto XXXX in XX/XX/year>. Under XXXX, I consistently made my mortgage payments toward the end of each month without issue. After the transfer, I continued that same payment pattern with RoundPoint, making payments on : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> Despite this consistent payment history, I was notified by RoundPoint that {$260.00} in late fees had accrued on my account. When I contacted their customer service, I was told they would investigate and follow up, but I never received a response. Instead, I received an automated email stating the fees are due and could increase, contradicting what the representative told methat late fees can not accrue over time. \n\nI believe RoundPoint failed to provide adequate notice about their due date expectations, and this fee appears to be predatory and unethical. I am seeking an investigation and resolution of this matter. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX","date_sent_to_company":"2025-04-22T17:12:58.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"80027","tags":null,"has_narrative":true,"complaint_id":"13116427","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"RoundPoint Mortgage Servicing LLC","date_received":"2025-04-22T17:08:46.000Z","state":"CO","company_public_response":null,"sub_issue":"Fees charged"},"highlight":{"complaint_what_happened":["My mortgage was <em>transferred</em> from <em>XXXX</em> XX/XX/XXXXto <em>XXXX</em> in XX/XX/year>. Under <em>XXXX</em>, I consistently made my mortgage payments toward the end of each month without issue. After the <em>transfer</em>, I <em>continued</em> that same payment pattern with RoundPoint, making payments on : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> Despite this consistent payment history, I was notified by RoundPoint that {$260.00} in late fees had accrued on my account."]},"sort":[13.755186,"13116427"]},{"_index":"complaint-public-v1","_id":"18148841","_score":13.725475,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB COMPLAINT # 1 XXXX XXXX / Collection Agency  Account : XXXXXXXX XXXX XXXX XXXX XXXX  | Amount : {$300.00} What is the issue?\n\nInaccurate and unverifiable credit reporting ; failure to conduct a reasonable investigation ; continued reporting without validation.\n\nWhat happened?\n\nI dispute the accuracy and verifiability of this collection account. I timely sent a certified written request for debt validation to the collection agency pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. The collector has failed to provide competent verification, including a signed service agreement, proof of contractual liability, or documentation establishing lawful placement or authority to collect.\n\nDespite the lack of validation, this account continues to be reported to consumer reporting agencies. Any verification based solely on automated confirmation or furnisher data does not satisfy the Fair Credit Reporting Acts requirement of a reasonable investigation under 15 U.S.C. 1681e ( b ) and 1681i.\n\nI am requesting deletion of this tradeline or, alternatively, production of the actual documentary evidence relied upon to verify the account.\n\nWhat would you like to see happen?\n\nDeletion of this collection account from all consumer credit reports and cessation of reporting unless and until proper validation is produced. \n\nCFPB COMPLAINT # 2 XXXX XXXX XXXX / XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX  | Amount : {$790.00} What is the issue? \n\nUnverifiable debt ; failure to validate ; improper verification procedures. \n\nWhat happened? \n\nI sent a certified written request for debt validation to XXXX XXXX XXXX disputing this alleged XXXX XXXX account. The agency has not produced a signed service agreement, proof of assent, a complete itemization of the balance, or documentation establishing a lawful assignment or chain of title for this specific account.\n\nNevertheless, the account continues to be reported as verified. Verification based on electronic or data-only confirmation does not meet the FCRAs reasonable investigation requirement. Courts have held that consumer reporting agencies and furnishers must do more than rely on conclusory assertions from a furnisher.\n\nI am disputing this account as inaccurate and unverifiable and requesting deletion unless proper documentary evidence exists.\n\nWhat would you like to see happen?\n\nImmediate deletion of this collection tradeline from all consumer credit reports or full documentary validation showing contractual liability and lawful assignment. \n\nCFPB COMPLAINT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nAccount : XXXX | Amount : {$1300.00} What is the issue? \n\nFailure to validate debt ; continued reporting without proof of authority or balance accuracy. \n\nWhat happened? \n\nI timely disputed this XXXX XXXX account and sent a certified debt validation request to XXXX XXXX . The collector has failed to provide documentation demonstrating its legal authority to collect and report this account, including any assignment agreement, bill of sale, or account-specific transfer documentation. \n\nAdditionally, no competent evidence has been produced to support the amount claimed. Continued reporting without proper validation violates the FDCPA and the FCRAs requirements for accuracy and reasonable investigation. \n\nI am requesting deletion of this tradeline or, at minimum, disclosure of the complete method of verification and underlying documents relied upon. \n\nWhat would you like to see happen? \n\nDeletion of this account from all consumer credit reports unless XXXX can produce full contractual and assignment documentation. \n\nCFPB COMPLAINT # 4 XXXX XXXX ( Auto Installment / Charge-Off ) Account : XXXXXXXX XXXX XXXX XXXX XXXX | Amount : {$8000.00} What is the issue? \n\nInaccurate credit reporting ; contradictory balances and terms ; failure to reasonably investigate. \n\nWhat happened? \n\nI dispute the accuracy of this auto installment account reported by XXXX XXXX. The tradeline reflects contradictory payment terms, inflated balance history exceeding the original obligation, and an unsupported charge-off. I have requested validation and documentation, including the original retail installment contract, payment history, and accounting supporting any alleged deficiency. \n\nAbsent such documentation, continued reporting of this account as charged off is inaccurate and misleading. Any verification that does not include review of the original contract and full accounting fails the FCRAs reasonable investigation standard. \n\nWhat would you like to see happen? \n\nCorrection or deletion of this tradeline to reflect accurate information, or complete removal if the account can not be fully substantiated.","date_sent_to_company":"2025-12-18T18:21:51.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19803","tags":null,"has_narrative":true,"complaint_id":"18148841","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-18T18:11:06.000Z","state":"DE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["CFPB COMPLAINT # 1 <em>XXXX</em> <em>XXXX</em> / Collection Agency  Account : XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  | Amount : {$300.00} <em>What</em> is the issue?\n\nInaccurate and unverifiable credit reporting ; failure to conduct a reasonable <em>investigation</em> ; <em>continued</em> reporting without validation.\n\n<em>What</em> happened?\n\nI dispute the accuracy and verifiability of this collection account."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[13.725475,"18148841"]},{"_index":"complaint-public-v1","_id":"15065356","_score":13.459042,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Aidvantage continues to report inaccurate student loan delinquency despite prior disputes and lack of proper investigation. \nWhat happened : I am filing this follow-up complaint against Aidvantage regarding my federal student loans. Despite multiple disputes through both the credit bureaus and the CFPB, Aidvantage continues to report inaccurate, outdated, and misleading delinquency information to the credit reporting agencies. I was informed that my loans had been transferred from XXXX to Aidvantage by the Department of Education in XX/XX/XXXX. However, Aidvantage claims that I was past due for 188 days, and they are refusing to remove this information even though the account is now in good standing following an administrative forbearance processed on XX/XX/XXXX. \n\nTheir continued reporting of this negative history is severely impacting my creditworthiness. According to Aidvantage, the delinquency occurred before the forbearance was applied, which contradicts the intent of administrative relief and the credit protection guidelines established for federal loan servicers during account transitions and hardship periods. \n\nWhat Ive done to resolve this issue : Ive disputed the account directly with Experian, Equifax, and TransUnion, and Aidvantage verified the account as accurate. \nI previously filed a CFPB complaint asking for a full investigation and deletion of the derogatory marks, yet the same inaccurate information was reaffirmed and continued to be reported. \nI also contacted Aidvantage directly and was provided with a generalized template response, failing to address the specific harm caused by this reporting or the inconsistencies in their records. \nI have not received any proper investigation into whether the delinquency occurred during a hardship or protected period, nor a reconciliation with my payment records. \nI have not received documentation showing that I was properly notified about the delinquency during the transfer from XXXX to Aidvantage. \n\nWhy I believe this is a violation : This account was not delinquent due to non-payment, but due to poor servicing practices during a transition between loan servicers. \nAidvantage failed to properly investigate and respond to my disputes under the Fair Credit Reporting Act ( FCRA ), which mandates data furnishers to conduct a reasonable investigation and correct or delete inaccurate, incomplete, or unverifiable information. \nBy continuing to report derogatory information after the account was brought current through administrative forbearance, Aidvantage is misleading creditors and violating the intent of borrower protection guidelines. \nThey have not provided me with a clear breakdown of the dates and how they calculated the delinquency period, nor proof of proper servicing practices during the transition. \nI previously submitted a dispute regarding the inaccurate reporting of my student loan account by Aidvantage. Despite my formal request, Aidvantage continues to report negative information to the credit bureaus, which I believe is inaccurate and misleading. I have repeatedly asked Aidvantage to provide full documentation to validate the reporting, including : Original signed Master Promissory Note ( XXXX signature ) Complete payment history from origination Chain of assignment or servicing history from XXXX to Aidvantage Detailed accounting ledger showing how payments were applied Proof of legal authority to furnish or verify the data Instead, they only provided a restated general servicing policies. This does not satisfy the documentation requirements under the Fair Credit Reporting Act ( FCRA ) to verify disputed information. Additionally, they confirmed the loans were brought current through an administrative forbearance, which calls into question the accuracy of the delinquency reporting. \n\nAidvantage is also ignoring my direct requests for supporting documentation and has failed to meet their obligations under FCRA 15 U.S.C. 1681s-2 ( b ), which requires furnishers of information to investigate and correct inaccuracies when a dispute is submitted. \n\nI am formally requesting the CFPB to investigate this matter and hold Aidvantage accountable for : Failing to provide full verification documents as required Continuing to furnish inaccurate, incomplete, or unverifiable information Failing to reasonably investigate my dispute What I want : Immediate removal of all negative information related to this student loan account A complete set of all documentation requested, including wet-signed promissory note and full payment/accounting history Cease and desist from further inaccurate reporting Sanctions if necessary for noncompliance or deceptive practices","date_sent_to_company":"2025-08-05T00:40:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33417","tags":null,"has_narrative":true,"complaint_id":"15065356","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2025-08-05T00:40:17.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I was informed that my loans had been <em>transferred</em> from <em>XXXX</em> to Aidvantage by the Department of Education in XX/XX/<em>XXXX</em>. However, Aidvantage claims that I was past due for 188 days, and they are refusing to remove this information even though the account is now in good standing following an administrative forbearance processed on XX/XX/<em>XXXX</em>. \n\nTheir <em>continued</em> reporting of this negative history is severely impacting my creditworthiness."]},"sort":[13.459042,"15065356"]},{"_index":"complaint-public-v1","_id":"19668514","_score":13.329679,"_source":{"product":"Credit card","complaint_what_happened":"Over XXXX month ago, XX/XX/XXXX, I attempted to close my account and reported my card lost or stolen. I have had charges that I did not approve of and refuse to pay from XXXX XXXX XXXX. They refuse to give me a phone number contact for XXXX and stated that anyone could charge my card and did not need a phone number. This is ridiculous. Despite this Capital One and their call center located in an XXXX country that is currently building robots to kill us with is violating my privacy rights. They have changed my card number and failed to notify me what that is or to issue a new card. Yet they are allowing companies to charge my card without my permission. They refuse to explain how these companies got my new card number. Instead they continue to prod me asking me if this was a recurring charge that I approved of so that they could continue keeping my account open without my permission. They have failed to change my phone number as requested. They have transferred me to XXXX different Representatives : XXXX, XXXX, and last Trivia on XX/XX/XXXX who refused to cancel these charges and close my account. They have claimed it would take XXXX  days to investigate these charges. They are clinging to me like a parasite. \n\nThey recorded my call without permission and asked me questions that are none of their business. They're automated system does not hear what you're saying and is dysfunctional. They're refusing to allow me to access my account online or allow me to change my phone number which I have repeatedly attempted to give them : XXXX and that the number ending in XXXX is no longer in service. Despite all this they are making it extremely difficult.","date_sent_to_company":"2026-02-20T22:07:41.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"242XX","tags":null,"has_narrative":true,"complaint_id":"19668514","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-02-20T21:43:48.000Z","state":"VA","company_public_response":null,"sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["They have <em>transferred</em> me to <em>XXXX</em> different Representatives : <em>XXXX</em>, <em>XXXX</em>, and last Trivia on XX/XX/<em>XXXX</em> who refused to cancel these charges and close my account. They have claimed it would take <em>XXXX</em>  days to <em>investigate</em> these charges. They are clinging to me like a parasite. \n\nThey recorded my call without permission and asked me questions that are none of their business. They're automated system does not hear <em>what</em> you're saying and is dysfunctional."]},"sort":[13.329679,"19668514"]},{"_index":"complaint-public-v1","_id":"14809673","_score":13.193248,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"We have an auto loan through Ally Bank, in addition to a Savings Account with them. Last week, we transferred enough money into the Savings Account to payoff the balance on the auto loan. All money was in the account by EOD on Thursday, XX/XX/year>. \n\nAt this point, I logged into the online account to try to complete the payoff transfer. I was unable to access our auto loan online. I was able to login to our Ally account without issue and I was able to access our Savings account without issue. I can see our auto loan on the Ally Account dashboard. However, all attempts to view the account or make a payment failed. The account and payments pages ended in endless website spin. \n\nI figured it was a fluke and waited until XXXX, XX/XX/year> to try again. Keep in mind, they are still charging us daily interest on this account, even though we are ready to pay off the loan and stop the interest. The load page was still unable to load. I downloaded their mobile app ( XXXX ) and tried that method, which also failed with an error message that just said \" we apologize '' and \" internal error ''. \n\nAt this point, I called their support number and spent over XXXX minutes on calls with various folks, who gave me very mixed message on what was going on. Ultimately, I was told this is a known issue and that I would have to wait for it to be resolved. I pointed out that I was accruing interest due to their system issue and that I would like that refunded. I was told that isn't possible, even though my inability to make a payment was due to their system. \n\nI was offered to make a transfer through a XXXX party with a {$25.00} fee and a cap that would require making XXXX transfers to complete the payoff, which would be around {$250.00} in fees. I declined and pointed out this was financially detrimental to me. I asked about making a wire transfer between my Ally Savings and the loan account, but apparently this was also not possible, the service rep working with me on that went on hold to investigate more, then hung up on me. They also said they didn't have an ETA, but expected the issue to be resolved by EOD or first thing on Monday. In that time, I have continued to accrue interest on the account. \n\nWe are now on XXXX, XX/XX/XXXX and the payments page and auto loan page still don't work. I have continued to accrue interest towards the account, which would not be happening if their payments page worked.","date_sent_to_company":"2025-07-22T15:31:29.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"831XX","tags":"Servicemember","has_narrative":true,"complaint_id":"14809673","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2025-07-22T15:13:10.000Z","state":"WY","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["In that time, I have <em>continued</em> to accrue interest on the account. \n\nWe are now on <em>XXXX</em>, XX/XX/<em>XXXX</em> and the payments page and auto loan page still don't work. I have <em>continued</em> to accrue interest towards the account, which would not be happening if their payments page worked."]},"sort":[13.193248,"14809673"]},{"_index":"complaint-public-v1","_id":"18851506","_score":13.100155,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer : XXXX XXXX XXXX : XXXX XXXX Services Account Type : Auto Loan Date Opened : XX/XX/XXXX Highest Balance : {$21000.00} Reported Balance : {$0.00} Last Reported : XX/XX/XXXX Account Status : Paid/ {$0.00} balance Remarks : Paid profit and loss / Transferred to recovery Filed with : Consumer Financial Protection Bureau What Happened ( Paste Into CFPB Complaint Box ) I am filing this complaint to dispute the inaccurate and misleading reporting of my XXXX XXXX XXXX XXXX loan account. \nAlthough this account is reported with a {$0.00} balance and reflects that 100 % of the loan has been paid, XXXX XXXX XXXX continues to report derogatory payment history, charge-off/collection indicators, and transferred to recovery remarks, which is inaccurate and harmful. \nLegal Violations & Dispute Grounds XXXX. Inaccurate Reporting of a Paid Account ( FCRA 623 ( a ) ( 1 ) ( A ) ) XXXX XXXX XXXX is furnishing information that is misleading and not fully accurate. An account with a {$0.00} balance and paid status should not continue to report ongoing derogatory or collection-related notations without full clarification and accuracy. \nReporting derogatory history on a satisfied obligation misrepresents my current creditworthiness. \n2. Failure to Update Account to Accurate Final Status ( FCRA 1681s-2 ) The account is still marked as : In Collections/ Charge-off Transferred to recovery Ongoing derogatory payment indicators These remarks conflict with the {$0.00} balance and paid status and create a false impression that the debt is unresolved.\n\n3. Failure to Conduct a Reasonable Investigation ( FCRA 611, 15 U.S.C. 1681i ) XXXX XXXX XXXX has failed to ensure that all aspects of the reportingincluding payment history, remarks, and account statusare complete, consistent, and verifiable. \nSimply reporting historical negatives without correcting the final account disposition does not meet the reasonable investigation standard. \n4. Unfair Credit Reporting Practices Continuing to report excessive derogatory history on a closed, paid account serves no legitimate purpose and functions as punitive reporting, which the FCRA was designed to prevent.","date_sent_to_company":"2026-01-20T07:39:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91977","tags":null,"has_narrative":true,"complaint_id":"18851506","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2026-01-20T07:38:49.000Z","state":"CA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Failure to Conduct a Reasonable <em>Investigation</em> ( FCRA 611, 15 U.S.C. 1681i ) <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> has <em>failed</em> to ensure that all aspects of the reportingincluding payment history, remarks, and account statusare complete, consistent, and verifiable. \nSimply reporting historical negatives without correcting the final account disposition does not meet the reasonable <em>investigation</em> standard. \n4."]},"sort":[13.100155,"18851506"]},{"_index":"complaint-public-v1","_id":"21512413","_score":13.06498,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Complaint Against Cash App ( Block , Inc. ) Unauthorized Electronic Funds Transfer and Failure to Comply with Regulation E I am filing this complaint against Cash App ( Block , Inc. ) regarding an unauthorized electronic funds transfer and their failure to properly investigate and resolve my fraud claim in accordance with federal law. \n\nOn XX/XX/XXXX, {$830.00} was sent from my Cash App account to a user identified as $ lunayesy without my authorization. These funds were directly deposited into my account and were removed due to what I believe to be unauthorized access and account compromise. \n\nI promptly notified Cash App and submitted a dispute and appeal. Despite my report, Cash App denied my claim and stated their decision was final, without providing adequate documentation or evidence that a reasonable investigation was conducted. \n\nUnder the Electronic Fund Transfer Act ( EFTA ) and Regulation E ( 12 CFR 1005 ), financial institutions are required to : * Conduct a timely and reasonable investigation of unauthorized electronic fund transfers * Provide provisional credit when appropriate during the investigation * Clearly explain the results of their investigation and provide supporting documentation upon request Cash App has failed to meet these obligations. I was not provided with evidence supporting their determination, nor was I given a meaningful explanation of how they concluded the transaction was authorized. \n\nI did not authorize this transaction, did not benefit from it, and did not provide access to any third party to send these funds. As a result, I have suffered financial harm. \n\nI am requesting the following actions : 1. Immediate reopening of my fraud claim and a compliant investigation under Regulation E 2. Written documentation of Cash Apps investigation findings, including how authorization was determined 3. Full reimbursement of the unauthorized transaction in the amount of {$830.00} 4. Confirmation of steps taken to prevent further unauthorized access to my account If Cash App continues to deny this claim without complying with federal consumer protection requirements, I request regulatory review of their policies and practices regarding unauthorized transactions and dispute handling. \n\nThank you for your attention to this matter. \n\nSincerely, XXXX XXXX XXXX ( XXXX ) XXXX","date_sent_to_company":"2026-04-23T03:39:05.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"29414","tags":null,"has_narrative":true,"complaint_id":"21512413","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2026-04-23T03:26:25.000Z","state":"SC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Under the Electronic Fund <em>Transfer</em> Act ( EFTA ) and Regulation E ( 12 CFR 1005 ), financial institutions are required to : * Conduct a timely and reasonable <em>investigation</em> of unauthorized electronic fund <em>transfers</em> * Provide provisional credit when appropriate during the <em>investigation</em> * Clearly explain the results of their <em>investigation</em> and provide supporting documentation upon request Cash App has <em>failed</em> to meet these obligations."],"product":["Money <em>transfer</em>, virtual currency, or money service"],"sub_product":["Domestic (US) money <em>transfer</em>"]},"sort":[13.06498,"21512413"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1118,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":1118}]}},"product":{"doc_count":1118,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":292,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit 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