{"took":325,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":6294,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"18291033","_score":16.736431,"_source":{"product":"Credit card","complaint_what_happened":"FollowUp Evidence of Continued Unauthorized Activity XXXX XXXX Provisioning Attempt on XX/XX/year> I am submitting additional evidence showing that unauthorized activity involving the fraudulent PayPal Credit Card account continued even after my initial complaint. This new evidence further contradicts Synchrony Banks claim that no unauthorized activity occurred and demonstrates that the account was compromised at multiple points. \nOn XX/XX/XXXX, I first became aware of unauthorized activity when I received notifications related to this account. I immediately contacted the company to report the account as fraudulent and requested that it be closed and investigated. I also requested documentation of the investigation, including device information, IP logs, authentication logs, and any digitalwallet provisioning records. \nOn XX/XX/XXXX, additional unauthorized activity occurred. I again contacted the company and repeated my request for investigation details and supporting documentation. The company did not provide the information I requested and did not explain how the account was opened or how the unauthorized activity occurred. \nOn XX/XX/XXXX at XXXX XXXX, I received an email from the company stating : One last step to add your card to XXXX XXXX and Finish setting up your PayPal Credit Card in your XXXX XXXX. I did not attempt to add this card to XXXX XXXX, and I do not use XXXX XXXX. This message indicates that someone attempted to provision the fraudulent card to a digital wallet, which requires device access, authentication, and issuer communication. This is clear evidence of continued unauthorized activity.\n\nDespite multiple requests, the company has not provided the required investigation documentation, including device or digitalwallet provisioning logs, nor have they explained how these unauthorized events occurred. The companys prior response claiming no unauthorized activity occurred is contradicted by their own systemgenerated messages.\n\nI am requesting that the company : 1. Acknowledge the account and all related activity as unauthorized.\n\n2. Provide all device, IP, authentication, and digitalwallet provisioning logs\nassociated with the unauthorized events on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. \n3. Provide a complete investigation report.\n\n4. Remove any liability and ensure no negative information is reported to credit bureaus.\n\n5. Explain why these events were not disclosed or addressed in their prior response.\n\nThis complaint concerns an account that was opened without my consent, ongoing unauthorized activity, and the companys failure to properly investigate or provide required documentation.","date_sent_to_company":"2025-12-26T09:30:46.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"460XX","tags":null,"has_narrative":true,"complaint_id":"18291033","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-12-26T09:20:15.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["This complaint concerns an account that was opened without my consent, ongoing <em>unauthorized</em> <em>activity</em>, and the companys failure to properly <em>investigate</em> or provide required <em>documentation</em>."]},"sort":[16.736431,"18291033"]},{"_index":"complaint-public-v1","_id":"21474057","_score":15.905146,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing a formal complaint regarding fraudulent activity and unauthorized access to my Cash App account. \n\nMy account was compromised due to unauthorized access, and as a result, transactions occurred that I did not authorize. The account has since been closed, and I no longer have access to it. Despite reporting this issue, the company has failed to provide any meaningful resolution. \n\nCash App has stated that they conducted an investigation, however : * They have not identified the specific transactions or balance in question * They have not provided any documentation or findings * They have not explained the basis of their decision * They continue to avoid addressing the unauthorized nature of the activity Their responses have been vague, dismissive, and do not reflect a good-faith effort to investigate fraud on their platform. \n\nI am requesting : * A full and transparent investigation into the unauthorized activity * Documentation of all transactions and findings * Confirmation that my account is classified as compromised/fraudulent * Written confirmation that I am not liable for any unauthorized transactions or balances * Assurance that no negative reporting or collections activity will occur If this matter is not properly addressed, I will pursue further legal and regulatory action.","date_sent_to_company":"2026-04-22T07:07:44.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"484XX","tags":null,"has_narrative":true,"complaint_id":"21474057","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2026-04-22T06:58:29.000Z","state":"MI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am requesting : * A full and transparent <em>investigation</em> into the <em>unauthorized</em> <em>activity</em> * <em>Documentation</em> of all transactions and findings * Confirmation that my account is classified as compromised/fraudulent * Written confirmation that I am not liable for any <em>unauthorized</em> transactions or balances * Assurance that no negative reporting or collections <em>activity</em> will occur If this matter is not properly addressed, I will pursue further legal and regulatory action."],"issue":["<em>Unauthorized</em> transactions or other transaction problem"]},"sort":[15.905146,"21474057"]},{"_index":"complaint-public-v1","_id":"18315276","_score":15.803469,"_source":{"product":"Credit card","complaint_what_happened":"Despite multiple requests, the company did not provide the required documentation. Instead, they issued responses that were incomplete, contradictory, or did not address the unauthorized activity. \nOn XX/XX/year> at XXXXXXXX XXXX EST, I received an email from the company stating One last step to add your card to XXXX XXXX. I did not initiate this action, do not use XXXX XXXX, and was asleep at the time. This email confirms that an unauthorized party attempted to provision my card into a digital wallet. The company never disclosed this event, never included it in their investigation, and did not provide any logs related to it, despite my repeated requests. \nThe company has not provided a complete investigation, has not supplied the documentation I requested, and has not demonstrated how they concluded the transaction was authorized. They also have not provided written confirmation that the account is secure. I am requesting that the unauthorized charge be reversed, that the company provide the required documentation, and that they correct their investigation to reflect the unauthorized access and activity","date_sent_to_company":"2025-12-27T09:22:56.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"460XX","tags":null,"has_narrative":true,"complaint_id":"18315276","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-12-27T09:13:00.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I am requesting that the <em>unauthorized</em> charge be reversed, that the company provide the required <em>documentation</em>, and that they correct their <em>investigation</em> to reflect the <em>unauthorized</em> access and <em>activity</em>"]},"sort":[15.803469,"18315276"]},{"_index":"complaint-public-v1","_id":"21841204","_score":15.465816,"_source":{"product":"Credit card","complaint_what_happened":"Complaint against JPMorgan Chase Bank, N.A.\n\nI am filing this complaint regarding the handling of a credit card dispute by JPMorgan Chase ( case # XXXX ) involving an unauthorized charge of approximately {$4600.00}. \n\nI did not authorize, approve, or participate in this transaction. The charge is not consistent with my normal account activity, and I reported it promptly upon discovery.\n\nAs soon as I noticed the suspicious activity, I immediately locked and secured my credit card to prevent further unauthorized use. Despite this, additional unauthorized attempts were still made on the card. I also received information indicating that my card details were used on XXXX, and there were attempts or activity showing usage associated with Texas, which I do not recognize or have any connection to.\n\nDuring the investigation, Chase requested that I provide documentation from my email provider (XXXX ) showing that my email account may have been compromised. I made a good-faith effort to obtain this information by contacting XXXXXXXX XXXX XXXX . However, the provider does not offer customers access to detailed login records, IP logs, or written confirmation of suspicious activity, and I was unable to obtain any documentation despite my efforts.\n\nChase is effectively requiring third-party documentation that is not reasonably available to consumers of this email service. My inability to provide this specific documentation is due to the limitations of the provider, not a lack of cooperation on my part.\n\nUnder the Fair Credit Billing Act, I understand that I am not responsible for unauthorized credit card charges and that the issuer is required to conduct a reasonable investigation. I am concerned that my claim may be denied or unfairly evaluated based solely on my inability to provide documentation that is not available to me.\n\nI am requesting that Chase conduct a fair and reasonable investigation based on the available evidence and the facts that : - I did not authorize this transaction- I reported it immediately and secured my account- I observed further unauthorized activity attempts after locking my card- I attempted in good faith to obtain all requested documentation, but it is not available from my email provider I am asking for the unauthorized charge to be removed and for my account to be credited accordingly.","date_sent_to_company":"2026-05-04T04:12:52.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"460XX","tags":null,"has_narrative":true,"complaint_id":"21841204","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-05-04T04:08:31.000Z","state":"IN","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I am requesting that Chase conduct a fair and reasonable <em>investigation</em> based on the available evidence and the facts that : - I did not authorize this transaction- I reported it immediately and secured my account- I observed further <em>unauthorized</em> <em>activity</em> attempts after locking my card- I attempted in good faith to obtain all requested <em>documentation</em>, but it is not available from my email provider I am asking for the <em>unauthorized</em> charge to be removed and for my account to be credited accordingly."]},"sort":[15.465816,"21841204"]},{"_index":"complaint-public-v1","_id":"19007956","_score":15.076909,"_source":{"product":"Credit card","complaint_what_happened":"his complaint concerns Synchrony Banks handling of unauthorized activity involving my PayPal Credit account. \nIn XX/XX/XXXX, unauthorized activity occurred on my PayPal account, including the depletion of my PayPal Balance twice and the appearance of PayPal Credit charges that I did not authorize. These charges only occurred because my PayPal Balance was drained without my permission, causing PayPal Credit to be used as a fallback funding source. \nI repeatedly informed Synchrony that the activity was unauthorized and requested the provisioning logs, device information, IP address, tokenization records, authentication method, and timestamps for the digital wallet events associated with this account. Synchrony refused to provide any of this information and continued to assert that no unauthorized activity occurred, despite clear evidence to the contrary. \nOn XX/XX/XXXX, PayPal permanently closed the associated PayPal account due to unusual activity we can not support. This is PayPals own written acknowledgment that the account was compromised and that the activity was inconsistent with legitimate customer behavior. Synchronys position that no unauthorized activity occurred is directly contradicted by PayPals findings.\n\nI did not authorize the PayPal Credit charges, I did not authorize any digital wallet provisioning, and I did not authorize the repeated depletion of my PayPal Balance. Synchrony failed to investigate properly, failed to provide the required documentation, and failed to protect me from fraudulent activity. \nI am requesting that the CFPB review Synchronys handling of this matter and require the company to correct the unauthorized activity and provide the documentation I requested. \nI consent to publication of this description after the CFPB removes personal information.","date_sent_to_company":"2026-01-26T16:50:14.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"460XX","tags":null,"has_narrative":true,"complaint_id":"19007956","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2026-01-26T16:45:35.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Synchrony failed to <em>investigate</em> properly, failed to provide the required <em>documentation</em>, and failed to protect me from fraudulent <em>activity</em>. \nI am requesting that the CFPB review Synchronys handling of this matter and require the company to correct the <em>unauthorized</em> <em>activity</em> and provide the <em>documentation</em> I requested. \nI consent to publication of this description after the CFPB removes personal information."]},"sort":[15.076909,"19007956"]},{"_index":"complaint-public-v1","_id":"14946780","_score":15.048675,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Ive identified credit inquiries on my report that I dont recognize. They may be related to unauthorized activity. Please investigate right away. Documentation is enclosed.","date_sent_to_company":"2025-07-29T21:04:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91606","tags":null,"has_narrative":true,"complaint_id":"14946780","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-29T20:59:07.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["They may be related to <em>unauthorized</em> <em>activity</em>. Please <em>investigate</em> right away. <em>Documentation</em> is enclosed."]},"sort":[15.048675,"14946780"]},{"_index":"complaint-public-v1","_id":"21488077","_score":15.000713,"_source":{"product":"Credit card","complaint_what_happened":"I am reporting unresolved unauthorized activity involving a PayPal Mastercard issued by Synchrony Bank. The account was taken over, my PayPal Balance was drained, and an unauthorized PayPal Mastercard ending in XXXX was used without my knowledge or activation. I have not been able to log in since the compromise because the account was not secure.\n\nI submitted all requested documents, including ID and bank verification. PayPal also sent me a security notice on XX/XX/XXXX stating that my account features were paused due to unusual activity and that they were requesting ID. Despite this, Synchrony claims I did not authorize the information to be used for investigation, which is incorrect.\n\nSynchrony previously acknowledged a reversal that was supposed to be returned, but it was never restored. My PayPal Balance is still short, and Synchrony continues to state that the balance is correct even though it does not match the balance before the unauthorized activity. They have not explained the missing funds or provided any documentation of their investigation.\n\nI never activated or used the PayPal Mastercard ending in XXXX. Synchrony has not provided proof of activation, card possession, or legitimate use. They have also not provided account access logs, investigation results, or any documentation supporting their decision. Instead, I received a letter stating our position remains the same, without addressing the missing funds or the unauthorized activity.\n\nIt appears Synchrony closed the account instead of resolving the fraud. Closing the account does not resolve the missing funds, the unauthorized card, or the inaccurate balance. I am requesting that the CFPB require Synchrony to provide a complete investigation record, restore the missing funds, correct the balance, and provide documentation of card activation and account access.\n\nI am submitting this followup because Synchronys most recent letter does not address the core issues in my complaint and contains several contradictions.\n\n1. Synchrony states our position remains the same, but they have not restored the missing funds.\n\nMy PayPal Balance is still short, and the {$10.00} reversal they previously acknowledged has not been returned. Synchrony continues to claim the balance is correct, even though it does not match the balance before the unauthorized activity.\n\n2. Synchrony claims I did not authorize the information to be used for investigation, which is incorrect.\n\nI submitted all requested documents, including ID and bank verification. I also received a PayPal security email on XX/XX/XXXX stating my account features were paused due to unusual activity and that PayPal was requesting ID. This directly contradicts Synchronys claim that I refused to provide information.\n\n3. I have not logged into the account since the compromise.\n\nI could not log in because the account was not secure. Any activity or authorization during that time was not mine. Synchrony has not addressed this or provided any documentation of secure access.\n\n4. Synchrony continues to treat the PayPal Mastercard ending in XXXX as a valid, authorized account.\n\nI never activated or used this card. All activity occurred after the account takeover. Synchrony has not provided any proof of activation, card possession, or legitimate use.\n\n5. Synchrony appears to have closed the account instead of resolving the fraud.\n\nThis has happened before. Closing the account does not resolve the missing funds, the unauthorized card, or the inaccurate balance.\n\n6. Synchrony has not provided : documentation of their investigation logs of account access proof of card activation proof of authorization any explanation for the missing PayPal Balance any explanation for the missing reversal","date_sent_to_company":"2026-04-22T16:51:24.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"460XX","tags":null,"has_narrative":true,"complaint_id":"21488077","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2026-04-22T16:38:52.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["They have also not provided account access logs, <em>investigation</em> results, or any <em>documentation</em> supporting their decision. Instead, I received a letter stating our position remains the same, without addressing the missing funds or the <em>unauthorized</em> <em>activity</em>.\n\nIt appears Synchrony closed the account instead of resolving the fraud. Closing the account does not resolve the missing funds, the <em>unauthorized</em> card, or the inaccurate balance."]},"sort":[15.000713,"21488077"]},{"_index":"complaint-public-v1","_id":"15285281","_score":14.986943,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I believe the accounts in question are the result of unauthorized activity. I respectfully request their removal following a full investigation. Relevant supporting documentation has been included.","date_sent_to_company":"2025-08-14T19:27:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"97008","tags":null,"has_narrative":true,"complaint_id":"15285281","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-14T19:24:47.000Z","state":"OR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I believe the accounts in question are the result of <em>unauthorized</em> <em>activity</em>. I respectfully request their removal following a full <em>investigation</em>. Relevant supporting <em>documentation</em> has been included."]},"sort":[14.986943,"15285281"]},{"_index":"complaint-public-v1","_id":"15257053","_score":14.960787,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I believe the accounts in question are the result of unauthorized activity. I respectfully request their removal following a full investigation. Relevant supporting documentation has been included.","date_sent_to_company":"2025-08-13T19:31:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77433","tags":null,"has_narrative":true,"complaint_id":"15257053","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-13T19:20:15.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I believe the accounts in question are the result of <em>unauthorized</em> <em>activity</em>. I respectfully request their removal following a full <em>investigation</em>. Relevant supporting <em>documentation</em> has been included."]},"sort":[14.960787,"15257053"]},{"_index":"complaint-public-v1","_id":"15227446","_score":14.955872,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I believe the accounts in question are the result of unauthorized activity. I respectfully request their removal following a full investigation. Relevant supporting documentation has been included.","date_sent_to_company":"2025-08-12T21:42:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"798XX","tags":null,"has_narrative":true,"complaint_id":"15227446","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-12T21:33:52.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I believe the accounts in question are the result of <em>unauthorized</em> <em>activity</em>. I respectfully request their removal following a full <em>investigation</em>. Relevant supporting <em>documentation</em> has been included."]},"sort":[14.955872,"15227446"]},{"_index":"complaint-public-v1","_id":"14595898","_score":14.946127,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I did not initiate these inquiries and believe they may involve unauthorized activity. Kindly investigate this issue and take corrective action promptly. The documentation is enclosed for your reference.","date_sent_to_company":"2025-07-11T17:29:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"761XX","tags":null,"has_narrative":true,"complaint_id":"14595898","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-11T17:26:45.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I did not initiate these inquiries and believe they may involve <em>unauthorized</em> <em>activity</em>. Kindly <em>investigate</em> this issue and take corrective action promptly. The <em>documentation</em> is enclosed for your reference."]},"sort":[14.946127,"14595898"]},{"_index":"complaint-public-v1","_id":"15255334","_score":14.944508,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I believe the accounts in question are the result of unauthorized activity. I respectfully request their removal following a full investigation. Relevant supporting documentation has been included.","date_sent_to_company":"2025-08-13T22:27:27.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30236","tags":null,"has_narrative":true,"complaint_id":"15255334","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-13T22:24:27.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I believe the accounts in question are the result of <em>unauthorized</em> <em>activity</em>. I respectfully request their removal following a full <em>investigation</em>. Relevant supporting <em>documentation</em> has been included."]},"sort":[14.944508,"15255334"]},{"_index":"complaint-public-v1","_id":"15255250","_score":14.944508,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I believe the accounts in question are the result of unauthorized activity. I respectfully request their removal following a full investigation. Relevant supporting documentation has been included.","date_sent_to_company":"2025-08-13T23:02:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33169","tags":null,"has_narrative":true,"complaint_id":"15255250","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-13T22:58:57.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I believe the accounts in question are the result of <em>unauthorized</em> <em>activity</em>. I respectfully request their removal following a full <em>investigation</em>. Relevant supporting <em>documentation</em> has been included."]},"sort":[14.944508,"15255250"]},{"_index":"complaint-public-v1","_id":"19541002","_score":14.747184,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing a complaint regarding Cash Apps failure to identify, prevent, and timely investigate unauthorized transactions linked to my account and connected bank account. \n\nBetween XXXX XXXX XXXX, XXXX, unauthorized withdrawals and deposits ( XXXX total ) occurred on my bank account statements from Cash App. I did not authorize, initiate, or knowingly participate in these transactions. These transactions were inconsistent with my historical usage and occurred without my consent. \n\nUpon notice of the fraudulent transactions on XX/XX/XXXX, I contacted Cash App to report the unauthorized activity, however I was informed that no unauthorized transactions were visible from their perspective and was advised to resolve the issue with my bank. No meaningful investigation was initiated at that time. \n\nAs a result of Cash Apps position, my bank relied on Cash Apps lack of confirmation to deny my fraud claim multiple times, citing authorization and/or participation. Only after repeated inquires, on XX/XX/XXXX, Cash App finally opened an official investigation into the disputed transactions. As of this filing, I have not received a resolution, written findings, and investigative documentation. \n\nCash Apps delay in initiating an investigation and failure to provide timely, written confirmation of unauthorized activity materially harmed me by contributing to my banks repeated denial of my claim. I am requesting regulatory assistance to ensure Cash App completes a proper investigation and provides documentation regarding the disputed transactions.","date_sent_to_company":"2026-02-16T22:59:19.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"200XX","tags":null,"has_narrative":true,"complaint_id":"19541002","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2026-02-16T22:12:14.000Z","state":"DC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Only after repeated inquires, on XX/XX/XXXX, Cash App finally opened an official <em>investigation</em> into the disputed transactions. As of this filing, I have not received a resolution, written findings, and <em>investigative</em> <em>documentation</em>. \n\nCash Apps delay in initiating an <em>investigation</em> and failure to provide timely, written confirmation of <em>unauthorized</em> <em>activity</em> materially harmed me by contributing to my banks repeated denial of my claim."],"issue":["<em>Unauthorized</em> transactions or other transaction problem"]},"sort":[14.747184,"19541002"]},{"_index":"complaint-public-v1","_id":"21422373","_score":14.523888,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Unauthorized Electronic Fund Transfer Incorrect Investigation and Denial I am disputing an unauthorized electronic fund transfer that occurred on XX/XX/XXXX, involving approximately {$1000.00} transferred from my personal bank account into Cash App without my authorization. \n\nThis incident was part of a broader account compromise that occurred the same day and also involved fraudulent activity on my XXXX account. XXXX investigated and refunded the unauthorized charges, confirming that my accounts had been compromised. \n\nDetails of Unauthorized Activity On XX/XX/XXXX : Funds were transferred from my bank account into Cash App without my knowledge or consent Those funds were then used to purchase XXXX ( approximately {$490.00} ) The XXXX was then sold shortly afterward ( approximately {$470.00} ) I want to clearly state : I have never used XXXX or cryptocurrency services I did not authorize these transactions I did not initiate or approve any transfers on that date Critical Issue : Incorrect Investigation My claim was denied by Cash App ; however, documentation shows that the investigation was conducted on incorrect transactions. \n\nSpecifically : The transactions reviewed occurred on different dates They involved small, routine amounts They were legitimate transactions that I authorized These transactions are not related to the fraud I reported. \n\nIn contrast, the actual fraudulent activity : Occurred on XX/XX/XXXX Involved a large transfer ( approximately {$1000.00} total ) Included cryptocurrency transactions, which are not part of my normal account activity The unauthorized transactions I reported were never properly investigated. \n\nXXXX XXXX XXXX XXXX XXXX XXXX transaction is confirmed by IRS Form XXXX issued through Cash App, showing proceeds of approximately {$470.00} on XX/XX/XXXX. \n\nThis provides independent documentation that these transactions occurred within my account without my authorization. \n\nSecurity and Account Compromise Indicators No fraud alerts, login alerts, or transaction warnings were sent to me at the time A Cash App representative confirmed that no alerts were triggered I have never lost my debit card or shared my PIN I have a prior documented history of identity theft ( XXXX ), further supporting unauthorized access Additionally, the fraudulent activity coincided with confirmed fraud on my XXXX account, indicating a coordinated account compromise. \n\nReasonableness of My Claim The transactions investigated by Cash App reflect normal, small-dollar activity and were not disputed. \n\nIt would not be reasonable for me to dispute minor, legitimate transactions while failing to report a significant unauthorized transfer involving cryptocurrency that I have never used. \n\nThis further demonstrates that the investigation did not address the actual fraud I reported. \n\nRequested XXXX I respectfully request : XXXX. A full and accurate reinvestigation of the correct transactions from XX/XX/XXXX XXXX. XXXX that this was an unauthorized electronic fund transfer and account takeover XXXX. Reimbursement of the unauthorized funds Closing XXXX XXXX denial of my claim was based on transactions that I did not dispute and that are unrelated to the fraud event. \n\nThe actual unauthorized transactions including documented Bitcoin activity on XX/XX/XXXX were never investigated. \n\nI am requesting a proper review of the correct transactions and resolution of this matter.","date_sent_to_company":"2026-04-21T01:00:20.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"24012","tags":"Older American","has_narrative":true,"complaint_id":"21422373","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2026-04-21T00:36:01.000Z","state":"VA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["was denied by Cash App ; however, <em>documentation</em> shows that the <em>investigation</em> was conducted on incorrect transactions."]},"sort":[14.523888,"21422373"]},{"_index":"complaint-public-v1","_id":"11885054","_score":14.523138,"_source":{"product":"Checking or savings account","complaint_what_happened":"All possible Documentation of Unauthorized activity unauthorized purchases/transfers and identity theft Including Pdfs and images of the following Official records two emails accounts Including one belonging to chime account ( XXXX ) and the belonging password were both Officially involved in data breaches Security alerts of new logins to emails and cash app Same unauthorized transfers to two emails on both Chime and XXXX proving they were linked, the date those two email transfers on chime happened attempting to communicate to those emails and acknowledging I did not make those transfers and were completely unauthorized Monthly statements from XXXX showing unauthorized purchases and transfers and last 4 digits of my chime cards I had at the time Attempt at the date to reach out to cash app support that never investigated or refunded money despite providing all documentation asked Emails from XXXX support agent acknowledging he can't officially claim cash apps now proven illegal criminal activity Official Government site acknowledging XXXX data breaches and illegal activity As such after all the documentation from different sources I've given proving, that my phone emails and both XXXX XXXX and Chime were hacked were in Official data breaches you can see here and unauthorized purchases and transfers were made to email accounts I then messaged the unauthorized denying consent and authorization of those transfers And now as of XX/XX/XXXX the official government has factualized all my claims I made at the time of account hacks unauthorized purchases transfers data leaks XXXX XXXX and chime refususal to investigate and refund XXXX XXXX XXXX users who went through these things are now official government stated facts And to still Chime deny my claims saying no error was found would be illegal activity too. \nMost thefts were from XXXX XXXX XXXX XXXX XXXX money transfers to unknown emails while I was In the hospital in XXXX and XXXX, All information in the pdfs attached please read i spent hours getting all the info and please help make this right","date_sent_to_company":"2025-02-02T00:54:28.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"20176","tags":null,"has_narrative":true,"complaint_id":"11885054","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-02-02T00:13:34.000Z","state":"VA","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["attempting to communicate to those emails and acknowledging I did not make those transfers and were completely <em>unauthorized</em> Monthly statements from XXXX showing <em>unauthorized</em> purchases and transfers and last 4 digits of my chime cards I had at the time Attempt at the date to reach out to cash app support that never <em>investigated</em> or refunded money despite providing all <em>documentation</em> asked Emails from XXXX support agent acknowledging he can't officially claim cash apps now proven illegal criminal <em>activity</em>"]},"sort":[14.523138,"11885054"]},{"_index":"complaint-public-v1","_id":"12116241","_score":14.509104,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute fraudulent activity associated with my credit file and request immediate action under 18 U.S.C. 1028A, which pertains to aggravated identity theft. \nI did not have control of my account for those late payments and I need them to removed and rectified immediately. \nUpon reviewing my credit report, I discovered unauthorized accounts and/or transactions that I did not initiate. The fraudulent activity includes : Under 18 U.S.C. 1028A, knowingly using another persons identity without authorization is a serious federal offense. Since I did not authorize these transactions, I demand the following immediate actions : Investigate and remove the fraudulent accounts and inquiries from my credit report.\n\nProvide me with all records and documentation related to these accounts and transactions.\n\nReport this fraudulent activity to law enforcement authorities as required under federal law.\n\nEnsure no further unauthorized activity occurs under my identity.\n\nI have attached copies of my credit report highlighting the fraudulent activity, along with any supporting documentation.","date_sent_to_company":"2025-02-25T18:18:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"70119","tags":null,"has_narrative":true,"complaint_id":"12116241","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-18T21:03:00.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Report this fraudulent <em>activity</em> to law enforcement authorities as required under federal law.\n\nEnsure no further <em>unauthorized</em> <em>activity</em> occurs under my identity.\n\nI have attached copies of my credit report highlighting the fraudulent <em>activity</em>, along with any supporting <em>documentation</em>."]},"sort":[14.509104,"12116241"]},{"_index":"complaint-public-v1","_id":"12115412","_score":14.467351,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute fraudulent activity associated with my credit file and request immediate action under 18 U.S.C. 1028A, which pertains to aggravated identity theft.\n\nI did not have control of my account for those late payments and I need them to removed and rectified immediately.\n\nUpon reviewing my credit report, I discovered unauthorized accounts and/or transactions that I did not initiate. The fraudulent activity includes : Under 18 U.S.C. 1028A, knowingly using another persons identity without authorization is a serious federal offense. Since I did not authorize these transactions, I demand the following immediate actions : Investigate and remove the fraudulent accounts and inquiries from my credit report. \n\nProvide me with all records and documentation related to these accounts and transactions. \n\nReport this fraudulent activity to law enforcement authorities as required under federal law. \n\nEnsure no further unauthorized activity occurs under my identity. \n\nI have attached copies of my credit report highlighting the fraudulent activity, along with any supporting documentation.","date_sent_to_company":"2025-02-25T18:18:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"70119","tags":null,"has_narrative":true,"complaint_id":"12115412","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-02-18T20:36:08.000Z","state":"LA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Report this fraudulent <em>activity</em> to law enforcement authorities as required under federal law. \n\nEnsure no further <em>unauthorized</em> <em>activity</em> occurs under my identity. \n\nI have attached copies of my credit report highlighting the fraudulent <em>activity</em>, along with any supporting <em>documentation</em>."]},"sort":[14.467351,"12115412"]},{"_index":"complaint-public-v1","_id":"19040619","_score":14.4568,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a complaint regarding USAAs mishandling of unauthorized debit card transactions, including an inadequate fraud investigation and the improper reversal of provisional credit. \n\nOn XX/XX/XXXX, an unauthorized in-person withdrawal of {$5000.00} was made at a XXXX XXXX bank XXXX XXXX New Jersey XXXX XXXX USAA debit XXXX. I do not have an account with XXXX XXXX. At the time of this transaction, I was out of the country and had physical possession of my debit card, making it impossible for me to have authorized or completed this withdrawal. \n\nWhile I was on the phone with USAA actively reporting this fraud, a second unauthorized withdrawal of {$9500.00} occurred in real time. This transaction happened while I was speaking with a USAA representative, who witnessed the fraudulent activity as it occurred. Immediately after this second transaction, USAA blocked all of my accounts, acknowledging that unauthorized activity was taking place. \n\nUSAA initially stated that they would contact me to request additional information and supporting documentation, including proof of my location at the time of the transactions. However, USAA never contacted me, did not request any documentation, and did not review readily available evidence ( such as travel records and call logs ) before concluding its investigation. \n\nDespite the fact that : I was out of the country at the time of both withdrawals, I had possession of my physical card, The second transaction occurred while fraud was actively being reported, and USAA acknowledged unauthorized activity by blocking my accounts, USAA later determined that the transactions were not fraud and reversed the provisional credit that had been issued. \n\nI believe USAA failed to conduct a reasonable investigation as required under the Electronic Fund Transfer Act ( Regulation XXXX ) and improperly denied my claim despite clear evidence of unauthorized transactions.","date_sent_to_company":"2026-01-27T17:06:36.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"082XX","tags":"Servicemember","has_narrative":true,"complaint_id":"19040619","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2026-01-27T16:46:13.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["USAA initially stated that they would contact me to request additional information and supporting <em>documentation</em>, including proof of my location at the time of the transactions. However, USAA never contacted me, did not request any <em>documentation</em>, and did not review readily available evidence ( such as travel records and call logs ) before concluding its <em>investigation</em>."]},"sort":[14.4568,"19040619"]},{"_index":"complaint-public-v1","_id":"21253262","_score":14.440198,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing a complaint against Navy Federal Credit Union regarding their refusal to properly investigate unauthorized electronic transfers and account access. \n\nI experienced unauthorized activity involving a transfer of approximately {$9000.00} from an external XXXX XXXX account into my Navy Federal credit card account. I did not authorize this transaction. \n\nNavy Federals own records show this as a one-time electronic funds transfer. Additionally, the transaction was flagged and placed on hold ( \" XXXX XXXX / XXXXXXXX XXXX  '' ), indicating that their system detected unusual or potentially suspicious activity. \n\nThe payment was later reversed due to XXXX, which resulted in significant financial harm to me, including fees, interest charges, and a current balance exceeding {$18000.00}. \n\nI reported this issue to Navy Federal months ago ; however, they denied my claim, stating it was too late to dispute. I do not agree with this conclusion. \n\nThis situation involves unauthorized account access and electronic fund transfers that I did not initiate. Under the Electronic Fund Transfer Act ( Regulation E ), I am entitled to a reasonable investigation into unauthorized transactions. \n\nI am requesting : * A full reopening and reinvestigation of this case * All documentation used to determine that the transaction was authorized ( including IP logs, device data, and authentication records ) * Reversal of all fees, interest, and charges resulting from this unauthorized activity * Correction of my account balance * Consideration for provisional credit during the investigation The presence of a transaction hold suggests that the activity was flagged as irregular, which should have triggered further scrutiny. \n\nI am prepared to provide supporting documentation, including account statements and transaction records. \n\nThis issue has caused severe financial hardship, and as a XXXX XXXX XXXX with a family it is especially hard. I am requesting immediate review and resolution.","date_sent_to_company":"2026-04-15T05:22:42.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"92101","tags":"Servicemember","has_narrative":true,"complaint_id":"21253262","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-04-15T04:57:14.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["I am requesting : * A full reopening and reinvestigation of this case * All <em>documentation</em> used to determine that the transaction was authorized ( including IP logs, device data, and authentication records ) * Reversal of all fees, interest, and charges resulting from this <em>unauthorized</em> <em>activity</em> * Correction of my account balance * Consideration for provisional credit during the <em>investigation</em> The presence of a transaction hold suggests that the <em>activity</em> was flagged as irregular, which should have triggered"]},"sort":[14.440198,"21253262"]},{"_index":"complaint-public-v1","_id":"19784370","_score":14.43491,"_source":{"product":"Checking or savings account","complaint_what_happened":"SUBJECT COMPLAINT : Denial of Unauthorized Electronic Fund Transfer Claim ) I am filing a complaint regarding my banks handling of an unauthorized electronic fund transfer. \n\nOn XXXX  XXXX, 2025, funds were withdrawn from my account without my authorization. I did not authorize the transaction, nor did I authorize any changes to my account information, including the addition of an email address. \n\nI promptly reported the unauthorized activity. The bank claims they conducted an investigation and concluded that I either made the withdrawal or gave someone permission to access my account. However, they have refused to provide meaningful documentation supporting this conclusion. \n\nWhen I requested investigation records such as IP logs, device logs, audit trails, and documentation of account changes, the bank instead asked me to identify the merchant who deposited funds into my account. I do not know who sent those funds, and that information is irrelevant to the unauthorized withdrawal dispute. \n\nThe bank has partially restricted my ability to view my own account activity, making it difficult to obtain information about the transaction. \n\nI believe the bank has failed to conduct a reasonable investigation as required under the Electronic Fund Transfer Act ( Regulation E ). I am requesting regulatory review of their investigation process and assistance in recovering my funds. \n\nI request that the bank be required to provide a full written investigation report and the evidence supporting their denial. \n\nThank you. XXXX XXXX","date_sent_to_company":"2026-02-25T19:58:26.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"30906","tags":null,"has_narrative":true,"complaint_id":"19784370","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2026-02-25T19:21:15.000Z","state":"GA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["The bank claims they conducted an <em>investigation</em> and concluded that I either made the withdrawal or gave someone permission to access my account. However, they have refused to provide meaningful <em>documentation</em> supporting this conclusion. \n\nWhen I requested <em>investigation</em> records such as IP logs, device logs, audit trails, and <em>documentation</em> of account changes, the bank instead asked me to identify the merchant who deposited funds into my account."]},"sort":[14.43491,"19784370"]},{"_index":"complaint-public-v1","_id":"20322828","_score":14.378439,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am submitting this complaint because JPMorgan Chase Bank has failed to properly investigate and resolve a large-scale unauthorized electronic fund transfer ( EFT ) claim despite multiple formal disputes and a prior CFPB complaint. \n\nBetween XX/XX/XXXX and XXXX, approximately {$500000.00} was withdrawn from my Chase accounts through unauthorized transactions, including ACH debits, XXXX transfers, internal transfers, and payments to XXXX credit card accounts. These transactions are inconsistent with my normal account activity and were not authorized by me. \n\nI timely reported this fraud and submitted formal written disputes under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. I also provided detailed documentation, transaction breakdowns, and a formal demand for records including device logs, IP addresses, ACH authorizations, XXXX data, and internal investigation notes. \n\nChase initially issued partial provisional credits but failed to investigate the full scope of the unauthorized activity. Instead, the bank improperly narrowed my claim to isolated transactions and ignored the broader pattern of unauthorized transfers exceeding {$500000.00}. \n\nChase has refused to provide any of the documentation or evidence it relied on to determine that the transactions were authorized. It has not produced device data, login records, or authorization proof despite repeated requests. \n\nAdditionally, Chase reversed provisional credits without proper explanation, which caused my accounts to become overdrawn and resulted in financial harm. My accounts currently reflect negative balances due to these actions. \n\nA forensic review of my accounts demonstrates a clear pattern of unauthorized activity, including duplicated transactions, unauthorized internal transfers, unauthorized XXXX credit card payments, and the unexplained closure of a savings account with missing funds. \n\nDespite being placed on notice and given multiple opportunities to correct these issues, Chase has failed to conduct a reasonable and good-faith investigation as required under Regulation E.\n\nI am requesting that Chase be required to : ( 1 ) conduct a full investigation of all disputed transactions, ( 2 ) provide all supporting documentation and authorization evidence, ( 3 ) refund all unauthorized transfers, ( 4 ) restore my accounts and reverse all fees. \n\nThis complaint is being submitted due to Chases continued failure to comply with federal law and resolve this matter.","date_sent_to_company":"2026-03-17T05:49:26.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"33139","tags":null,"has_narrative":true,"complaint_id":"20322828","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-03-17T05:31:10.000Z","state":"FL","company_public_response":null,"sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["Chase initially issued partial provisional credits but failed to <em>investigate</em> the full scope of the <em>unauthorized</em> <em>activity</em>. Instead, the bank improperly narrowed my claim to isolated transactions and ignored the broader pattern of <em>unauthorized</em> transfers exceeding {$500000.00}. \n\nChase has refused to provide any of the <em>documentation</em> or evidence it relied on to determine that the transactions were authorized."]},"sort":[14.378439,"20322828"]},{"_index":"complaint-public-v1","_id":"22346082","_score":14.377864,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing an official complaint against Central Bank ( Central Bancompany ) regarding an open Regulation E dispute for {$300.00} involving fraudulent, unauthorized charges.\n\nThe merchant involved ( XXXX ) has officially investigated the transaction, explicitly labeled the activity as unauthorized, and formally canceled the orders. I have direct, written confirmation from XXXX security team stating that the orders have been canceled due to unauthorized activity. \n\nCentral Bank 's customer service has repeatedly refused to review or accept this official merchant documentation, and their automated systems are rejecting email submissions from personal email addresses. By refusing to accept clear, definitive proof from the merchant that the transaction has been voided due to fraud, Central Bank is failing to conduct a proper investigation and is violating my consumer rights under Federal Regulation E.\n\nBecause the merchant has legally voided the transaction and will not be collecting the funds, I request that Central Bank immediately review the attached XXXX documentation, overturn their previous stance, and make my temporary dispute credit permanent.","date_sent_to_company":"2026-05-19T15:29:48.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"640XX","tags":null,"has_narrative":true,"complaint_id":"22346082","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CENTRAL BANCOMPANY, INC","date_received":"2026-05-19T15:17:57.000Z","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 am filing an official complaint against Central Bank ( Central Bancompany ) regarding an open Regulation E dispute for {$300.00} involving fraudulent, <em>unauthorized</em> charges.\n\nThe merchant involved ( XXXX ) has officially <em>investigated</em> the transaction, explicitly labeled the <em>activity</em> as <em>unauthorized</em>, and formally canceled the orders. I have direct, written confirmation from XXXX security team stating that the orders have been canceled due to <em>unauthorized</em> <em>activity</em>."]},"sort":[14.377864,"22346082"]},{"_index":"complaint-public-v1","_id":"18440705","_score":14.376227,"_source":{"product":"Checking or savings account","complaint_what_happened":"Between XX/XX/year> and XX/XX/year>, my XXXXXXXX XXXX XXXX  debit card was charged multiple times by unfamiliar merchants without my authorization. These unauthorized transactions occurred on numerous dates and continued over several months. I reported the activity, completed dispute forms, and provided documentation listing all transaction dates and merchants. Despite this, Money Network failed to stop the activity or properly investigate and resolve the issue. \n\nFrom different unknown websites such as : XXXX XXXX  ForeclosureHomes.com A total of 21 unauthorized transactions","date_sent_to_company":"2026-01-03T08:24:23.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"953XX","tags":null,"has_narrative":true,"complaint_id":"18440705","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FISERV FINXACT CORE","date_received":"2026-01-03T08:15:27.000Z","state":"CA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["These <em>unauthorized</em> transactions occurred on numerous dates and continued over several months. I reported the <em>activity</em>, completed dispute forms, and provided <em>documentation</em> listing all transaction dates and merchants. Despite this, Money Network failed to stop the <em>activity</em> or properly <em>investigate</em> and resolve the issue. \n\nFrom different unknown websites such as : XXXX XXXX  ForeclosureHomes.com A total of 21 <em>unauthorized</em> transactions"]},"sort":[14.376227,"18440705"]},{"_index":"complaint-public-v1","_id":"20961442","_score":14.325709,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing a complaint regarding unauthorized transactions that occurred on my PayPal account on XX/XX/XXXX. \n\nMultiple transactions were made through my account that I did not authorize. These transactions were flagged by my bank as unusual and potentially fraudulent activity. All other transactions on my account are normal, indicating this was an isolated incident.\n\nI reported these transactions to PayPal, and I received conflicting information during the investigation. At one point, I was provided written confirmation stating that the activity on my account was determined to be unauthorized. However, PayPal later denied my dispute, claiming that the transactions were authorized because they were verified through my email address. \n\nI did not authorize these transactions. If activity occurred through my email or account, this indicates a potential account compromise, which should still qualify as unauthorized use. \n\nDespite presenting this information, PayPal closed the case and stated that the decision is final, refusing to reopen the investigation. They also advised me to contact the seller, which is not appropriate in cases of fraud. \n\nI am requesting that PayPal : Conduct a proper investigation into these unauthorized transactions Provide documentation of the evidence used in their determination Reimburse the funds associated with these unauthorized transactions I am also pursuing resolution through my financial institution due to PayPals failure to properly handle this matter.","date_sent_to_company":"2026-04-05T19:58:35.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"275XX","tags":null,"has_narrative":true,"complaint_id":"20961442","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-04-05T19:51:47.000Z","state":"NC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am requesting that PayPal : Conduct a proper <em>investigation</em> into these <em>unauthorized</em> transactions Provide <em>documentation</em> of the evidence used in their determination Reimburse the funds associated with these <em>unauthorized</em> transactions I am also pursuing resolution through my financial institution due to PayPals failure to properly handle this matter."],"issue":["<em>Unauthorized</em> transactions or other transaction problem"]},"sort":[14.325709,"20961442"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":6294,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":6294}]}},"product":{"doc_count":6294,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":3707,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":3670},{"key":"Other personal consumer report","doc_count":37}]}},{"key":"Checking or savings account","doc_count":853,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":781},{"key":"Other banking product or service","doc_count":46},{"key":"Savings account","doc_count":25},{"key":"CD (Certificate of Deposit)","doc_count":1}]}},{"key":"Debt collection","doc_count":538,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":201},{"key":"Credit card debt","doc_count":157},{"key":"Other debt","doc_count":61},{"key":"Telecommunications debt","doc_count":39},{"key":"Rental debt","doc_count":27},{"key":"Auto debt","doc_count":22},{"key":"Medical debt","doc_count":18},{"key":"Mortgage debt","doc_count":7},{"key":"Payday loan debt","doc_count":5},{"key":"Federal student loan debt","doc_count":1}]}},{"key":"Credit 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