{"took":76,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":69,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"21474057","_score":31.573824,"_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 <em>transactions</em> and <em>findings</em> * <em>Confirmation</em> that my account is classified as compromised/fraudulent * Written <em>confirmation</em> that I am not liable for any <em>unauthorized</em> <em>transactions</em> 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> <em>transactions</em> or other transaction problem"]},"sort":[31.573824,"21474057"]},{"_index":"complaint-public-v1","_id":"19541002","_score":28.704603,"_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 <em>transactions</em>. As of this filing, I have not received a resolution, written <em>findings</em>, and <em>investigative</em> <em>documentation</em>. \n\nCash Apps delay in initiating an <em>investigation</em> and failure to provide timely, written <em>confirmation</em> of <em>unauthorized</em> <em>activity</em> materially harmed me by contributing to my banks repeated denial of my claim."],"issue":["<em>Unauthorized</em> <em>transactions</em> or other transaction problem"]},"sort":[28.704603,"19541002"]},{"_index":"complaint-public-v1","_id":"20162139","_score":25.210087,"_source":{"product":"Credit card","complaint_what_happened":"Hello XXXX, Thank you for your response. \n\nI would like to clarify that these transactions were reported to Cash App as unauthorized immediately after they were discovered. The disputes were submitted promptly through the Cash App platform ; however, they were denied almost immediately without what appeared to be a meaningful investigation. \n\nBecause of the speed of the denial and the number of unauthorized transactions involved, I escalated the matter through the Consumer Financial Protection Bureau ( CFPB ). Cash App again denied the claim through that process without providing a clear explanation of the investigative steps taken or the basis for the denial. \n\nFor clarity, the transactions in question were not authorized by me. I did not initiate them, approve them, or provide any person with permission to access my Cash App account or Cash App card to complete these transactions. As soon as I became aware of the activity, I reported it to Cash App. \n\nYour recent email suggests that I should begin submitting disputes for each transaction through the app. However, those disputes were already submitted and reviewed previously. At this point, I am requesting the following : Confirmation that the prior disputes will be reopened or reviewed again. \n\nA detailed explanation of the investigative process that was conducted when the claims were initially denied. \n\nAny documentation or evidence relied upon by Cash App in determining that the transactions were authorized. \n\nGiven that this matter has already been escalated through the CFPB and involves multiple unauthorized transactions, I am requesting that Cash App conduct a thorough review of the account activity and provide a written explanation of its findings. \n\nI am willing to cooperate fully and provide any additional documentation necessary to assist with the investigation. \n\nThank you for your attention to this matter. I look forward to your response. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2026-03-11T13:02:54.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"60560","tags":"Servicemember","has_narrative":true,"complaint_id":"20162139","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2026-03-11T12:58:44.000Z","state":"IL","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Given that this matter has already been escalated through the CFPB and involves multiple <em>unauthorized</em> <em>transactions</em>, I am requesting that Cash App conduct a thorough review of the account <em>activity</em> and provide a written explanation of its <em>findings</em>. \n\nI am willing to cooperate fully and provide any additional <em>documentation</em> necessary to assist with the <em>investigation</em>. \n\nThank you for your attention to this matter. I look forward to your response. \n\nSincerely, XXXX XXXX"]},"sort":[25.210087,"20162139"]},{"_index":"complaint-public-v1","_id":"20545470","_score":24.590742,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, my Wells Fargo checking account was drained through a series of rapid, unauthorized XXXX XXXX transactions totaling approximately {$14000.00}. These transactions occurred within minutes and were not initiated, approved, or authorized by me in any way. \n\nMy XXXX XXXX account had been compromised, and I was informed that the access originated from a foreign location ( XXXX ), which is consistent with fraud. The speed, pattern, and location of these transactions clearly demonstrate unauthorized account access and theft. \n\nI reported this fraud to Wells Fargo immediately on XX/XX/year>, and filed a claim. I also contacted XXXX XXXX, who confirmed suspicious activity and advised me to work with my bank. Despite this, Wells Fargo has repeatedly denied my claim without providing any evidence, documentation, or a reasonable explanation. \n\nImportantly, I had another debit card ( XXXX XXXX  ) linked to the same compromised Cash App account. That account also experienced fraudulent transactions totaling over {$4600.00}. XXXX investigated the matter, determined the transactions were unauthorized, and fully reimbursed me. This clearly demonstrates that the activity was fraudulent and not authorized by me.\n\nWells Fargos justification that I have previously used XXXX XXXX is irrelevant and does not excuse their failure to investigate unauthorized transactions. Prior usage does not equal authorization for fraudulent withdrawals.\n\nWells Fargo has failed to conduct a proper investigation as required under Regulation E. They have refused to provide documentation supporting their denial and have ignored multiple requests to reopen and review the claim. This is a clear failure to comply with federal consumer protection laws governing unauthorized electronic fund transfers. \n\nThese transactions meet every definition of unauthorized activity, and I am legally entitled to reimbursement. Wells Fargos refusal to credit my account and their lack of transparency has caused significant financial harm and distress. \n\nI am demanding the following : Immediate reimbursement of the full {$14000.00} Full disclosure of all investigation findings and evidence used to deny my claim Confirmation that Wells Fargo is complying with Regulation E and federal law If this matter is not resolved promptly, I am prepared to pursue all available remedies, including escalation through regulatory agencies and legal action. \n\nThis is a time-sensitive matter and requires immediate attention.","date_sent_to_company":"2026-03-24T16:43:11.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"36526","tags":null,"has_narrative":true,"complaint_id":"20545470","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-03-24T16:28:58.000Z","state":"AL","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":["That account also experienced fraudulent <em>transactions</em> totaling over {$4600.00}. XXXX <em>investigated</em> the matter, determined the <em>transactions</em> were <em>unauthorized</em>, and fully reimbursed me. This clearly demonstrates that the <em>activity</em> was fraudulent and not authorized by me.\n\nWells Fargos justification that I have previously used XXXX XXXX is irrelevant and does not excuse their failure to <em>investigate</em> <em>unauthorized</em> <em>transactions</em>. Prior usage does not equal authorization for fraudulent withdrawals."]},"sort":[24.590742,"20545470"]},{"_index":"complaint-public-v1","_id":"21981466","_score":24.237696,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing a complaint regarding unauthorized activity on my Coinbase account and Coinbases improper attempt to hold me liable for resulting losses and transactions. \n\nOn XX/XX/year>, unauthorized activity occurred on my Coinbase account involving rapid buy/sell transactions and liquidation of my crypto assets, resulting in losses of approximately {$7800.00}. \n\nI did not discover this activity until XX/XX/year>, when I received notice from my bank that my account was overdrawn due to an unauthorized {$6000.00} transfer to Coinbase. After seeing this alert, I immediately logged into my bank account and confirmed I had not authorized the transfer. I then logged into my Coinbase account and discovered the unauthorized activity.\n\nCoinbase denied my claim and asserted that the activity was authorized. However, Coinbases findings contain multiple factual inconsistencies : Coinbase states the account access occurred on XX/XX/year>, while the transactions they provided all occurred on XX/XX/year>. \nCoinbase claims my password was reset, 2FA was used, and a new device was confirmed via email. However : I never received any password reset email I never received any 2FA code I never received any new device confirmation email My password remained unchanged and still worked when I logged in on XX/XX/XXXX Coinbase is also attempting to hold me liable for approximately {$6000.00} tied to the unauthorized bank transfer, even though : The transfer was unauthorized The funds had not yet cleared I stopped the transfer through my bank Coinbase nevertheless allowed trading against the uncleared funds Additionally, Coinbase sent conflicting communications regarding this liability. One communication stated that I owed the {$6000.00}, while a subsequent investigation email made no mention of the liability or how it was determined.\n\nI have requested supporting authentication logs and records from Coinbase, including password reset logs, 2FA delivery records, and device access information, but the investigation conclusions provided to me do not match the actual sequence of events or the records available to me.\n\nI am requesting : A proper and accurate investigation Reimbursement of the unauthorized losses Removal of the disputed {$6000.00} liability A detailed explanation reconciling the inconsistencies in Coinbases findings I have preserved documentation supporting these facts and communications.","date_sent_to_company":"2026-05-07T17:16:34.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"92024","tags":null,"has_narrative":true,"complaint_id":"21981466","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2026-05-07T16:48:42.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am requesting : A proper and accurate <em>investigation</em> Reimbursement of the <em>unauthorized</em> losses Removal of the disputed {$6000.00} liability A detailed explanation reconciling the inconsistencies in Coinbases <em>findings</em> I have preserved <em>documentation</em> supporting these facts and communications."]},"sort":[24.237696,"21981466"]},{"_index":"complaint-public-v1","_id":"21546562","_score":23.884922,"_source":{"product":"Checking or savings account","complaint_what_happened":"Company : XXXX XXXX XXXX Product : Checking or savings account Issue : Account closure / dispute investigation failure / funds not received Complaint title : Account closed, refund check not received, and unauthorized transaction disputes not properly investigated Complaint details : I am filing a formal complaint regarding XXXX XXXX XXXX handling of my closed account, failure to return my remaining funds, and failure to properly investigate multiple unauthorized transaction disputes. \n\nMy account was closed on XX/XX/year>. At the time of closure, I was advised that any remaining balance and credits owed to me would be returned. However, I have still not received my refund check, any reliable tracking information, or clear confirmation of when my funds will be released. \n\nIn addition, I reported multiple unauthorized electronic transactions on the account and provided substantial supporting documentation showing a clear pattern of account takeover and unauthorized activity. This included prior favorable determinations and supporting evidence from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX, where similar disputes involving related unauthorized transactions were investigated and resolved in my favor. \n\nDespite this evidence, XXXX XXXX XXXX failed to properly investigate the disputes and did not reasonably consider the documentation submitted. The disputes were denied, delayed, or handled without adequately addressing the evidence of fraud and prior institutional findings. \n\nI maintained possession of my physical card, did not authorize these transactions, and promptly reported the activity. The evidence clearly supports that these were unauthorized electronic fund transfers resulting from account takeover and fraudulent access. \n\nI am concerned that XXXX XXXX XXXX failed to comply with its obligations under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, including the duty to conduct a good-faith investigation, provide provisional credit where required, and ensure prompt access to funds even after account closure. \n\nThis has caused significant financial hardship, delayed access to essential funds, and unnecessary emotional distress. \n\nI am requesting the following : XXXX. Immediate confirmation of the account closure date of XX/XX/year> XXXX. A full accounting of all funds owed, including remaining balance, dispute credits, and provisional or permanent credits due XXXX. Immediate release of my refund check or alternative payment by ACH or wire if mailing delays continue XXXX. Tracking information if a refund check has already been issued XXXX. Reopening and full reinvestigation of all disputed unauthorized transactions XXXX Review of all supporting documentation previously submitted XXXX. Consideration of prior final determinations from XXXX XXXX XXXX XXXX  XXXX XXXX, and XXXX XXXX. Reversal of all related fees, overdraft charges, and negative account consequences caused by the disputed transactions XXXX. A written explanation detailing how the denial decisions were originally reached Desired resolution : I want XXXX XXXX XXXX to immediately return all funds owed to me, including my refund check and dispute-related credits, properly reinvestigate all unauthorized transactions under Regulation E, reverse all related fees, and provide written confirmation of the final resolution.","date_sent_to_company":"2026-04-23T23:07:41.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"10027","tags":null,"has_narrative":true,"complaint_id":"21546562","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"FinCo Services Inc DBA Current","date_received":"2026-04-23T23:01:09.000Z","state":"NY","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["However, I have still not received my refund check, any reliable tracking information, or clear <em>confirmation</em> of when my funds will be released. \n\nIn addition, I reported multiple <em>unauthorized</em> electronic <em>transactions</em> on the account and provided substantial supporting <em>documentation</em> showing a clear pattern of account takeover and <em>unauthorized</em> <em>activity</em>."]},"sort":[23.884922,"21546562"]},{"_index":"complaint-public-v1","_id":"21054392","_score":23.192604,"_source":{"product":"Checking or savings account","complaint_what_happened":"I discovered multiple unauthorized transactions on my account that I did not make. The activity involved both XXXX XXXX ( two transactions ) and XXXX XXXX XXXX XXXX ( the remaining transactions ). \n\nI confirmed directly with XXXX XXXX that the two transactions did not originate from my XXXX XXXX account. They have opened an internal investigation under Case Number XXXX and verified that the activity is not tied to my profile. \n\nAround the same timeframe, my debit card PIN was changed without my authorization. I did not request or approve any PIN change, and I was not actively logged into my account when this occurred. This is a clear indication that my account was compromised. \n\nAdditionally, my debit card was not in my possession at the time of these transactions. I had been primarily using XXXX XXXX and initially believed the card was misplaced, but it became clear it was being used without my knowledge. \n\nI immediately reported the issue to my bank and submitted a dispute. I provided all relevant details, including the unauthorized PIN change, the fact that the card was not in my possession, and confirmation from XXXX XXXX that the transactions were not authorized. Despite this, the bank repeatedly denied my claim and stated that the transactions were valid without providing any explanation of how that determination was made. \n\nI have contacted the bank multiple times requesting a proper investigation, clarification on how the transactions were verified, and assistance securing my account. Instead, I have consistently received generic, repeated responses that do not address my concerns. The customer service experience has been extremely poor, as representatives have not attempted to explain their findings, assist with account security, or acknowledge the evidence I have provided. \n\nAt no point did the bank proactively guide me on securing my account, even after I reported unauthorized activity and an unauthorized PIN change. This has left me with serious concerns that my account is not secure and that my issue is not being handled properly. \n\nDue to the banks lack of transparency, failure to conduct a thorough investigation, and failure to ensure the security of my account, I have escalated this matter. I have also filed an identity theft report and submitted all supporting documentation.","date_sent_to_company":"2026-04-08T16:07:12.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"32114","tags":null,"has_narrative":true,"complaint_id":"21054392","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST TECHNOLOGY FEDERAL CREDIT UNION","date_received":"2026-04-08T15:59:03.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I discovered multiple <em>unauthorized</em> <em>transactions</em> on my account that I did not make. The <em>activity</em> involved both XXXX XXXX ( two <em>transactions</em> ) and XXXX XXXX XXXX XXXX ( the remaining <em>transactions</em> ). \n\nI confirmed directly with XXXX XXXX that the two <em>transactions</em> did not originate from my XXXX XXXX account. They have opened an internal <em>investigation</em> under Case Number XXXX and verified that the <em>activity</em> is not tied to my profile."]},"sort":[23.192604,"21054392"]},{"_index":"complaint-public-v1","_id":"18224356","_score":22.730623,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"In XX/XX/year>, I reported unauthorized and fraudulent activity on my Kraken account. Kraken acknowledged the report, marked the case as Solved, and subsequently closed my account. At no time did I authorize the transactions in question, admit responsibility, or agree to repay any funds. \nMonths later, Kraken contacted me asserting a negative balance of - {$58000.00} and demanding repayment. Kraken has refused to provide any evidence or meaningful explanation supporting this alleged debt, stating that they will not share investigative materials, logs, or documentation directly with me. They are instead requiring that law enforcement request information, while simultaneously demanding that I personally repay the balance. \nKraken is relying on broad Terms of Service language to assert liability, despite the fact that the activity was reported as fraud and the account was already closed without prior notice that Kraken considered me financially responsible. Kraken has not provided a debt validation, summary findings, or any explanation of how they determined that the activity was authorized or attributable to me. \nDespite the balance being formally disputed, Kraken has threatened collection efforts unless I repay the amount. I am seeking confirmation that this alleged debt is properly validated, that it is marked as disputed, and that no collection activity will occur while the dispute remains unresolved.","date_sent_to_company":"2025-12-22T18:45:36.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"92627","tags":null,"has_narrative":true,"complaint_id":"18224356","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Payward Ventures Inc. dba Kraken","date_received":"2025-12-22T18:14:23.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["In XX/XX/year>, I reported <em>unauthorized</em> and fraudulent <em>activity</em> on my Kraken account. Kraken acknowledged the report, marked the case as Solved, and subsequently closed my account. At no time did I authorize the <em>transactions</em> in question, admit responsibility, or agree to repay any funds. \nMonths later, Kraken contacted me asserting a negative balance of - {$58000.00} and demanding repayment."]},"sort":[22.730623,"18224356"]},{"_index":"complaint-public-v1","_id":"19223178","_score":22.700323,"_source":{"product":"Checking or savings account","complaint_what_happened":"On or about XX/XX/year>, I reported unauthorized debit card transactions on my checking account with Navy Federal Credit Union. I did not authorize, initiate, or participate in the disputed transactions and retained possession of my debit card at all times. \n\nXXXX XXXX investigated the claims and denied them. I appealed the decision and requested second review. On XX/XX/year>, XXXX XXXX issued multiple written denial letters for separate portions of the disputed activity, including claim amounts of {$10000.00}, {$8400.00}, {$7600.00}, and {$6800.00}. Each denial letter used identical language stating that no error occurred and that I was responsible for the transactions, without providing individualized transaction-level findings or evidence supporting authorization. \n\nXXXX XXXX later stated that the claims were denied because it determined that I authorized and/or participated in the activity. However, XXXX XXXX has not provided transaction-specific evidence demonstrating authorization, such as confirmation of PIN usage, device or IP matching, merchant affidavits, or other documentation explaining how authorization was established for each disputed transaction. \n\nI also requested copies of my own secure-message communications submitted during the dispute and appeal process. XXXX XXXX responded in writing that secure messages are automatically purged after XXXX days and are permanently unavailable. As a result, XXXX XXXX can not provide my dispute communications that were relied upon during the investigation and decision-making process. \n\nI am concerned that XXXX XXXX denied multiple debit card fraud claims using a broad authorization determination, failed to preserve or provide member dispute communications, and did not conduct or document an individualized investigation for unauthorized electronic fund transfer claims. I am requesting regulatory review and appropriate corrective action.","date_sent_to_company":"2026-02-03T21:27:47.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"436XX","tags":null,"has_narrative":true,"complaint_id":"19223178","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-02-03T20:57:20.000Z","state":"OH","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["On or about XX/XX/year>, I reported <em>unauthorized</em> debit card <em>transactions</em> on my checking account with Navy Federal Credit Union. I did not authorize, initiate, or participate in the disputed <em>transactions</em> and retained possession of my debit card at all times. \n\nXXXX XXXX <em>investigated</em> the claims and denied them. I appealed the decision and requested second review."]},"sort":[22.700323,"19223178"]},{"_index":"complaint-public-v1","_id":"18041371","_score":22.35447,"_source":{"product":"Checking or savings account","complaint_what_happened":"CFPB COMPLAINT XXXX FRAUD, {$4000.00} LOSS & WELLS FARGO FAILURE TO INVESTIGATE Beginning in XX/XX/year>, approximately {$4000.00} in unauthorized XXXX transactions were charged to my Wells Fargo account. I did not make these purchases, authorize them, or receive any of the merchandise. \n\nWhen reviewing the XXXX order information, it showed that : The names, emails, and phone numbers tied to the orders are not mine. \n\nThe merchandise was shipped to addresses I have no connection to. \n\nI have never lived at, used, or been associated with the delivery addresses. \n\nNone of the items purchased were delivered to me. \n\n\nThis clearly indicates third-party fraud using my financial information. \n\n\n-- - Impact on Me The total fraudulent activity amounts to approximately {$4000.00}, which has created significant and ongoing financial hardship. These losses have : Put me into a financial loophole, Set me back on essential bills and responsibilities, Created instability because the bank refuses to return the stolen funds. \n\n\nI have done everything required as a consumer to respond responsibly and promptly, yet the issue still remains unresolved. \n\n\n-- - Actions I Took to Report the Fraud XX/XX/year> Present : I notified Wells Fargo as soon as the unauthorized charges appeared. I opened multiple fraud claims and supplied all documentation, including : Screenshots and confirmation emails from XXXX XXXX details showing mismatched names and addresses Proof that I did not receive any items Communication logs with XXXX representatives The branch manager and district manager at Wells Fargo personally reviewed the materials and agreed that the activity appeared fraudulent. They escalated the case internally.\n\n-- - Wells Fargo Executive Fraud Department Denials Despite all evidence, the Wells Fargo Executive Fraud Department : Denied my claim twice, Stated no fraud was found, Refused to consider the documentation showing mismatched delivery names and addresses, Declined to reopen the investigation, Would not communicate with XXXX to obtain the merchants fraud findings. \n\n\nThe executive department has refused to budge or properly re-evaluate the evidence, leaving me without protection or reimbursement. \n\n\n-- - Communication With XXXX I contacted the XXXX XXXX Department, and after their internal investigation, they confirmed : The orders were not placed by me, The merchandise was shipped to unknown recipients, The contact information and delivery addresses do not match my identity, They have fraud findings on their end. \n\n\nHowever, XXXX has not forwarded their findings to Wells Fargo, which Wells Fargo claims is required in order to resolve the reimbursement. \n\nThis has resulted in both companies pointing responsibility at the other, while I remain financially harmed. \n\n\n-- - Law Enforcement Involvement To further validate that this is fraud, I filed a report with the XXXX XXXX Police Department. Law enforcement agreed that the transactions appear fraudulent and documented the incident accordingly. This confirms an external party is using my financial information without permission. \n\nDespite a police report verifying the suspicious activity, Wells Fargos executive fraud department still refuses to take action. \n\n\n-- - Why I Am Requesting CFPB Intervention After nearly six months of efforts, the issue remains unresolved because : Wells Fargo closed my claims twice without proper investigation.\n\nThe executive fraud department refuses to revisit or analyze the supporting documentation. \n\nXXXX acknowledges fraud but has not communicated findings to the bank. \n\nI continue to suffer financial harm due to unauthorized charges totaling roughly {$4000.00}. \n\nAll available evidenceincluding a police reportsupports that this is identity theft and fraud. \n\n\n\n-- - What I Am Asking the CFPB to Require 1. A full review of Wells Fargos mishandling of my fraud claims.\n\n2. Immediate reimbursement of the {$4000.00} in unauthorized transactions, in compliance with Regulation E.\n\n3. A requirement that Wells Fargo conduct a fair, complete investigation using the documentation I already provided.\n\n4. That XXXX transmit their fraud findings to Wells Fargo so the bank can no longer deny responsibility. \n\n\n5. Assurance that my financial data is protected and that similar occurrences can not happen again.","date_sent_to_company":"2025-12-02T23:12:06.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"19010","tags":null,"has_narrative":true,"complaint_id":"18041371","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-12-02T23:01:51.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I opened multiple fraud claims and supplied all <em>documentation</em>, including : Screenshots and <em>confirmation</em> emails from XXXX XXXX details showing mismatched names and addresses Proof that I did not receive any items Communication logs with XXXX representatives The branch manager and district manager at Wells Fargo personally reviewed the materials and agreed that the <em>activity</em> appeared fraudulent."]},"sort":[22.35447,"18041371"]},{"_index":"complaint-public-v1","_id":"11495549","_score":22.324614,"_source":{"product":"Credit card","complaint_what_happened":"**Subject : ** Formal Complaint to the Consumer Financial Protection Bureau Regarding Discover Bank 's Inadequate Investigation of Fraudulent Transactions Dear Consumer Financial Protection Bureau , This submission represents my second formal complaint concerning Discover Bank 's deficient handling of disputes related to unauthorized transactions on my account. Despite my provision of extensive evidence, including documentation of my incarceration from XX/XX/XXXX to XX/XX/XXXX and verified proof of identity theft, Discover Bank has failed to conduct a rigorous investigation or furnish an adequate resolution. \n\n# # # **Issue Background** 1. **Incarceration and Unauthorized Transactions : ** - My personal accounts and credit cards with Discover Bank were compromised during my incarceration.\n\n- Upon my release, I encountered unauthorized transactions and instances of financial mismanagement.\n\n2. **Prompt Reporting : ** - Fraudulent activity was reported immediately upon discovery.\n\n- I submitted incontrovertible evidence of my incarceration, substantiating that I could not have authorized or executed these transactions.\n\n# # # **Details Requested and Legal Obligations** To hold Discover Bank accountable and validate the findings of their investigation, I formally requested the following information : # # # # **1. Comprehensive Investigation Process Details** - **Actions Undertaken : ** A meticulous outline of Discover Banks investigative procedures, including communication with relevant entities and assessment of the evidence provided. \n- XXXXnvestigation Timeline : ** Precise dates marking the receipt, investigation, and closure of my dispute.\n\n# # # # **2. Supporting Documentation** - **Third-Party Reports : ** Copies of communications from creditors or other involved sources.\n\n- **Acknowledgment of Submissions : ** Confirmation of receipt and consideration of my supporting documents.\n\n# # # # **3. Investigation Findings and Results** - **Resolution Status : ** A detailed account of whether disputed transactions were rectified or verified. \n- **Rejection Rationale : ** A clear and substantiated justification if the dispute was denied. \n- **Updated Credit Report : ** Documentation reflecting necessary adjustments to ensure accuracy. \n\n# # # # **4. Verification of Information Accuracy** - **Proof of Verification : ** Evidence supporting the accuracy of the disputed items.\n\n- **Communication Documentation : ** Records of communications between Discover Bank and creditors.\n\n# # # # **5. Investigation Records and Internal Notes** - **Investigation Documentation : ** Internal records and notes maintained during the dispute resolution process. \n- **Criteria for Automated Systems : ** Explanation of automated tools and criteria employed.\n\n# # # # **6. Clarification on Inconclusive Results** - **Justification for Ambiguity : ** Clear rationale for any inconclusive findings.\n\n- **Future Action Plans : ** Steps for further investigation or additional evidence requirements.\n\n# # # # **7. Adherence to Federal Regulations** - **FCRA Compliance Documentation : ** Assurance that Discover Bank complied with all legal mandates. \n- **Notification Obligations : ** Confirmation that resolution notifications were issued within regulatory timeframes. \n\n# # # # **8. Reinvestigation and Escalation Procedures** - **Renewed Investigation : ** A comprehensive review incorporating overlooked or undervalued evidence.\n\n- **Escalation Protocol : ** Referral of the dispute to higher authorities within the institution for reassessment.\n\n# # # **Impact and Harm** Discover Bank 's noncompliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ) has resulted in significant harm, including : - Substantial damage to my credit rating. \n- Inhibited access to necessary financial services. \n- Unwarranted emotional and financial strain.\n\n# # # **Proposed Resolutions** 1. **Rigorous Investigation : ** A thorough reassessment by Discover Bank , ensuring full adherence to federal laws.\n\n2. **Correction of Records : ** Immediate removal of fraudulent transactions and accurate restoration of account and credit information.\n\n3. **Institutional Accountability : ** Transparent documentation of corrective measures and procedural improvements.\n\nI respectfully request the CFPB to intervene decisively, ensuring Discover Bank fulfills its obligations and safeguards consumer rights. \n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2025-01-14T03:04:08.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"11495549","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-01-14T02:48:50.000Z","state":"GA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["- Upon my release, I encountered <em>unauthorized</em> <em>transactions</em> and instances of financial mismanagement.\n\n2. **Prompt Reporting : ** - Fraudulent <em>activity</em> was reported immediately upon discovery.\n\n- I submitted incontrovertible evidence of my incarceration, substantiating that I could not have authorized or executed these <em>transactions</em>."]},"sort":[22.324614,"11495549"]},{"_index":"complaint-public-v1","_id":"11473657","_score":22.285706,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX RE : Formal Notice of Identity Theft XXXX XXXX To Whom It May Concern : I am writing to you in my professional capacity as counsel for XXXX XXXX, residing at XXXX XXXX XXXX, XXXX, Florida, XXXX. My client has been the victim of identity theft, resulting in fraudulent activity and unauthorized use of her personal information. The relevant details of her identity are as follows : Date of Birth : XX/XX/year> Last Four Digits of Social Security Number : XXXX Attached to this correspondence is a copy of the identity theft report filed by XXXX XXXX, along with supporting documentation. This report details fraudulent accounts and/or transactions created in her name without her authorization. \n\nPursuant to the Fair Credit Reporting Act ( FCRA ) and other applicable state and federal laws, I demand that XXXX XXXX  take the following actions without delay : XXXX. Investigate and resolve all fraudulent activity associated with XXXX XXXX personal information, including any unauthorized accounts or transactions. \nXXXX. Provide written confirmation that all fraudulent accounts or transactions have been permanently removed from your records and cease any collection or reporting of such information to consumer reporting agencies. \nXXXX. Disclose the results of your investigation to my office, including specific details of your findings and all actions taken. \n\nFailure to comply with these demands may constitute a violation of the FCRA and other consumer protection laws. Such violations will expose XXXX XXXX  to legal liability, including compensatory damages, statutory penalties, and attorneys fees. \n\nIf additional information or documentation is required to expedite your investigation, please contact me directly at the information listed above. Please note that all future correspondence regarding this matter must be directed to my office.\n\nTime is of the essence in addressing this issue. I expect a written response within 14 calendar days from the receipt of this letter, confirming the steps taken to rectify this matter. \n\nSincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Supporting Documentation","date_sent_to_company":"2025-01-10T16:25:20.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"32824","tags":null,"has_narrative":true,"complaint_id":"11473657","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-01-10T16:13:37.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This report details fraudulent accounts and/or <em>transactions</em> created in her name without her authorization. \n\nPursuant to the Fair Credit Reporting Act ( FCRA ) and other applicable state and federal laws, I demand that XXXX XXXX  take the following actions without delay : XXXX. <em>Investigate</em> and resolve all fraudulent <em>activity</em> associated with XXXX XXXX personal information, including any <em>unauthorized</em> accounts or <em>transactions</em>. \nXXXX."]},"sort":[22.285706,"11473657"]},{"_index":"complaint-public-v1","_id":"8287087","_score":22.19847,"_source":{"product":"Credit card","complaint_what_happened":"XXXX XXXX XXXX Attachments Fri, XX/XX/2023, XXXX to claimcard Dear Sir/Madam, I am writing to you in regards to fraudulent charges that have appeared on my Wells Fargo account , which I strongly believe to be a result of identity theft. I would like to bring this matter to your attention and request a thorough investigation into the fraudulent activity associated with my account. \n\nOn XX/XX/2023 I noticed several transactions on my account statement that I did not authorize or recognize. These charges amount It is important to note that I have always been vigilant in monitoring my account activity, and I can confidently confirm that these transactions were not made by me.\n\nFurthermore, I have attached a conversation transcript [ or any supporting documentation ] between myself and XXXX, a credit bureau, which clearly demonstrates that my personal information was tampered with by an unknown individual. This incident not only highlights the severity of the fraudulent activity but also underscores the urgent need for a thorough investigation.\n\nI understand the importance of maintaining the security of my account and the bank 's commitment to protecting its customers from fraudulent activities. Therefore, I kindly request that you take immediate action to rectify this matter. I would appreciate it if you could : 1. Initiate an investigation into the fraudulent charges and provide me with a detailed report of the findings.\n\n2. Temporarily freeze the affected account to prevent any further unauthorized transactions from taking place.\n\n3. Refund the fraudulent charges and restore my account balance to its correct amount.\n\n4. Reinstate the necessary security measures on my account to prevent any future unauthorized access.\n\nI assure you that I have taken all necessary steps to safeguard my personal information and have reported this incident to the appropriate authorities, such as [ local police department or relevant fraud reporting agencies ]. I am more than willing to provide any additional documentation or cooperate fully with your investigation to bring this matter to a swift resolution.\n\nI kindly request that you provide a written confirmation of the receipt of this letter and an estimated timeline for the investigation and resolution process. Prompt action on your part is highly appreciated.\n\nPlease reach out to me at [ phone number ] or [ email address ] if you require any further information or clarification. I remain committed to cooperating with you to resolve this matter promptly.\n\nThank you for your immediate attention to this urgent matter. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-02-05T17:01:32.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"91356","tags":null,"has_narrative":true,"complaint_id":"8287087","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-02-05T16:42:24.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Sent card you never applied for"},"highlight":{"complaint_what_happened":["I would like to bring this matter to your attention and request a thorough <em>investigation</em> into the fraudulent <em>activity</em> associated with my account. \n\nOn XX/XX/2023 I noticed several <em>transactions</em> on my account statement that I did not authorize or recognize. These charges amount It is important to note that I have always been vigilant in monitoring my account <em>activity</em>, and I can confidently confirm that these <em>transactions</em> were not made by me."]},"sort":[22.19847,"8287087"]},{"_index":"complaint-public-v1","_id":"22080916","_score":21.918316,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On or around XX/XX/year> funds totaling {$1700.00} were transferred from my Cash App account into a savings account during a time when my device had been stolen and I did not have secure access to my account. I reported the issue to Cash App and explained that I was unable to properly monitor or secure my account due to the stolen device situation. \n\nDespite my efforts to resolve this directly with Cash App, I received responses stating they were unable to retrieve the funds. I do not believe my concerns were properly investigated, especially considering the circumstances involving unauthorized access and my inability to access my original device. \n\nThis money was intended for essential living expenses, including rent and bills, and the loss of these funds has caused significant financial hardship. I escalated this matter directly with Cash App Complaint Operations. On XX/XX/year>, I received a final response from Cash App stating they had thoroughly investigated my concerns and were closing the case. However, they did not provide any meaningful explanation of the investigation findings, device access review, IP/login review, or evidence supporting their conclusion. \n\nAt the time of the disputed transfer, I did not have secure access to my original device because it had been stolen. I informed Cash App of this issue during the investigation process. \n\nDespite explaining the circumstances and the financial hardship caused by the loss of {$1700.00}, Cash App denied recovery and closed the matter without providing sufficient transparency regarding their investigation. \n\nI am requesting : * A detailed review of account/device access history * Documentation of the investigation findings * Reconsideration of reimbursement based on the circumstances reported * Confirmation of whether unauthorized access indicators were reviewed I am requesting : * A full investigation into the transactions and account access history * Review of any login/device activity associated with the transfer * Reconsideration of reimbursement or recovery options * Written documentation explaining the investigation findings I have attempted to resolve this matter directly with Cash App before filing this complaint.","date_sent_to_company":"2026-05-11T17:24:27.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"321XX","tags":null,"has_narrative":true,"complaint_id":"22080916","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2026-05-11T17:15:08.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am requesting : * A detailed review of account/device access history * <em>Documentation</em> of the <em>investigation</em> <em>findings</em> * Reconsideration of reimbursement based on the circumstances reported * <em>Confirmation</em> of whether <em>unauthorized</em> access indicators were reviewed I am requesting : * A full <em>investigation</em> into the <em>transactions</em> and account access history * Review of any login/device <em>activity</em> associated with the transfer * Reconsideration of reimbursement or recovery options * Written <em>documentation</em> explaining"],"issue":["<em>Unauthorized</em> <em>transactions</em> or other transaction problem"]},"sort":[21.918316,"22080916"]},{"_index":"complaint-public-v1","_id":"18332341","_score":21.664879,"_source":{"product":"Credit card","complaint_what_happened":"I am submitting this complaint regarding Chase Banks failure to properly investigate fraudulent credit card charges and its continuation of adverse account actions in violation of the Fair Credit Billing Act ( 15 U.S.C. 1666 ). \n\nFraudulent transactions were posted to my Chase credit card account ending in XXXX after the card was lost and no longer in my possession. I did not authorize, benefit from, or participate in these transactions. Upon discovering the unauthorized activity, I promptly blocked the card and formally documented the incident. \n\nBecause I reside outside the United States ( XXXX ), the fraud was detected after reviewing account statements. A police report was filed with the XXXX Police of XXXX to formally document the loss and fraudulent use. Chase has been provided written notice of this dispute along with supporting documentation. Additionally, a certified written dispute has been sent via XXXX Certified Mail and is currently in transit. \n\nI reside internationally, which makes postal correspondence difficult. I therefore request that communications regarding this matter be conducted electronically whenever possible. \n\nDespite receiving formal notice, Chase has failed to provide written confirmation of a completed fraud investigation and has allowed collection and adverse account actions to proceed while the dispute remains unresolved. The account was reported to collections while a fraud dispute was active. This conduct directly conflicts with the Fair Credit Billing Act, which requires a reasonable investigation and prohibits adverse action during the dispute period. \n\nAdditionally, Chase has not provided copies of any documents, investigation findings, or evidence relied upon to support the disputed balance, despite my written request. The absence of a documented investigation raises serious concerns regarding compliance with federal consumer protection law. \n\nI am requesting that the CFPB require Chase Bank to : Conduct and document a full fraud investigation in compliance with federal law Immediately suspend all collection and adverse reporting activity related to this account Provide written findings and supporting documentation Correct any negative reporting associated with the disputed balance. \n\nI also request any additional relief the Bureau deems appropriate to fully remedy the harm caused by this matter. \n\nAttached evidence includes my written fraud dispute and the official police report documenting the theft and fraudulent use of the card.","date_sent_to_company":"2025-12-29T00:19:56.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"11385","tags":null,"has_narrative":true,"complaint_id":"18332341","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-12-28T21:58:39.000Z","state":"NY","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I am requesting that the CFPB require Chase Bank to : Conduct and document a full fraud <em>investigation</em> in compliance with federal law Immediately suspend all collection and adverse reporting <em>activity</em> related to this account Provide written <em>findings</em> and supporting <em>documentation</em> Correct any negative reporting associated with the disputed balance. \n\nI also request any additional relief the Bureau deems appropriate to fully remedy the harm caused by this matter."]},"sort":[21.664879,"18332341"]},{"_index":"complaint-public-v1","_id":"19680958","_score":20.22529,"_source":{"product":"Checking or savings account","complaint_what_happened":"b'I am submitting this complaint regarding unauthorized electronic transfers totaling XXXX from my Citibank account via three separate XXXX  transactions.\\n\\nOn or about XX/XX/XXXX, my personal computer was compromised by malware. During this time, my computer froze and became unresponsive. I was unable to access my system normally. While the device was compromised, three unauthorized XX/XX/XXXXtransfers were initiated from my Citibank account, totaling XX/XX/XXXXI did not authorize these transactions. I did not provide my login credentials, verification codes, or consent to any third party. I was not contacted by Citibank regarding unusual activity, suspicious login attempts, or high-risk transactions prior to or during these transfers. No fraud alert, account lock, or transaction verification call/text was made to me before the funds were released.\\n\\nI reported the fraud to Citibank immediately on XX/XX/XXXX. I also filed a police report / filed an FTC identity theft report / ran antivirus and had my computer taken to a professional to scrub.  He identified over 20 viruses and malware on my computer.   Despite reporting the incident promptly and explaining that my device had been compromised, Citibank denied my claim and refused to reimburse the XXXXThese transactions were unauthorized electronic fund transfers conducted while I was the victim of cybercrime. Under the Electronic Fund Transfer Act (EFTA), consumers are protected from unauthorized electronic transfers when reported in a timely manner. I fulfilled my obligation by notifying the bank promptly.\\n\\nI am requesting:\\n\\nA full reimbursement of the XXXX in unauthorized XXXX  transfers\\n\\nA detailed written explanation of the banks investigation findings\\n\\nDocumentation showing why the transactions were not flagged as suspicious\\n\\nConfirmation of what security monitoring was in place at the time\\n\\nI believe Citibank failed to adequately protect my account and failed to properly investigate this fraud claim.\\n\\nI respectfully request regulatory review and assistance in resolving this matter.\\n\\nSincerely,XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX  business account fraud occurred on and has been closedXXXX personal account still open'","date_sent_to_company":"2026-02-21T16:20:21.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"90036","tags":null,"has_narrative":true,"complaint_id":"19680958","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-02-21T16:06:58.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["\\n\\nI am requesting:\\n\\nA full reimbursement of the XXXX in <em>unauthorized</em> XXXX  transfers\\n\\nA detailed written explanation of the banks <em>investigation</em> <em>findings</em>\\n\\n<em>Documentation</em> showing why the <em>transactions</em> were not flagged as suspicious\\n\\n<em>Confirmation</em> of what security monitoring was in place at the time\\n\\nI believe Citibank failed to adequately protect my account and failed to properly <em>investigate</em> this fraud claim."]},"sort":[20.22529,"19680958"]},{"_index":"complaint-public-v1","_id":"18146706","_score":20.14301,"_source":{"product":"Checking or savings account","complaint_what_happened":"Issue : Unauthorized electronic check transaction, account takeover activity, contradictory investigation findings, and failure to credit returned funds Desired Resolution : Credit of funds, lost interest, and written accounting Complaint Description I am filing this complaint regarding PNC Banks failure to resolve an unauthorized electronic check ( e-check ) transaction that occurred as part of an account takeover, and its failure to credit funds that were returned to PNC more than 30 days ago. \nThis issue was reported to PNC nearly 60 days ago. \nIn early XXXX, my account was accessed without authorization. PNC access activity and transaction history show a pattern consistent with account takeover, including : Unauthorized logins Internal transfers from savings to checking on XX/XX/year> Creation of an unauthorized ACH transaction on XX/XX/year> Repetition of this process XXXX additional times Escalation to a bill-pay check Addition of multiple new bill-pay payees for future processing These actions were not performed by me. \nDuring multiple phone calls with PNCs fraud department, multiple representatives independently stated that they observed account logins originating from Texas and California, which were inconsistent with my location and travel history. I specifically called back multiple times to confirm that these representatives were not mistaken, and each time I was told the same information. \nHowever, the completed dispute documentation later provided by PNC states that only familiar logins were observed. This conclusion directly contradicts the representations made by multiple members of PNCs fraud department earlier in the investigation. PNC has not explained this discrepancy or reconciled the conflicting information. \nDespite this documented activity, Executive Client Relations representative XXXX ( works for XXXX XXXX ) stated with 100 % certainty that my identity was not stolen. This determination conflicts with the access activity, transaction sequence, and earlier fraud department statements. \nAn Affidavit of Forgery was submitted to PNC approximately 30 days ago. \nThe originating institution has confirmed that the funds from the unauthorized e-check were returned to PNC or a PNC-affiliated clearing account more than 30 days ago. My account has not been credited, and PNC has not provided documentation showing where the returned funds were applied.\n\nThis matter has been under review by PNC Executive Client Relations for over 30 days. Multiple requests for written status updates and documentation have gone unanswered by Executive Client Relations representatives XXXX XXXX, XXXX XXXX, and XXXX. Local PNC branch representatives have also been unable to assist or provide explanations. \nAdditionally, each dispute related to the unauthorized e-check was processed using a different and incorrect account number, which I reported multiple times without response. Any investigation based on incorrect account information is inherently unreliable. \nPNC may attempt to classify this transaction as outside Regulation E. Regardless of classification, the following facts are undisputed : The transaction was unauthorized An Affidavit of Forgery was submitted PNCs own personnel provided conflicting accounts of login activity The funds were recovered and returned to PNC or a PNC-controlled clearing destination PNC has retained the returned funds for over 30 days without crediting my account PNC has failed to provide a written accounting of the returned funds PNCs investigation relied on incorrect account information PNCs failure to credit returned funds or provide a clear accounting constitutes improper handling of an unauthorized transaction and a failure to resolve an error, whether analyzed under Regulation E, the Check 21 Act, or UCC Articles 3 and 4.\n\nAs a result of PNCs prolonged failure to resolve this matter, I have lost interest on the funds during the period PNC has retained them and have experienced ongoing financial harm.\n\nRequested Resolution I am requesting that PNC : 1. Immediately credit my account for the full amount of the unauthorized e-check 2. Pay lost interest for the period the funds were retained by PNC 3. Provide written documentation showing the return path and final disposition of the funds 4. Reconcile and explain the contradictory fraud investigation findings 5. Correct the dispute record and close the matter with a written explanation 6. Provide written confirmation that the transactions were determined to be unauthorized, that I bear no liability for them, and that no adverse reporting, account abuse designation, or negative internal or external reporting has been or will be made as a result of this incident.","date_sent_to_company":"2025-12-18T17:22:29.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"284XX","tags":null,"has_narrative":true,"complaint_id":"18146706","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2025-12-18T16:57:12.000Z","state":"NC","company_public_response":null,"sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["Provide written <em>confirmation</em> that the <em>transactions</em> were determined to be <em>unauthorized</em>, that I bear no liability for them, and that no adverse reporting, account abuse designation, or negative internal or external reporting has been or will be made as a result of this incident."]},"sort":[20.14301,"18146706"]},{"_index":"complaint-public-v1","_id":"18049714","_score":19.926046,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Formal Request for Executive Review and Reopening of Fraud Claims From : XXXX XXXX XXXX XXXX Account Number # XXXX To : Wells Fargo Executive Office / Claims & Fraud Department Dear Wells Fargo XXXX XXXX, My name is XXXX XXXX XXXX XXXX, and I am urgently requesting your direct intervention and review regarding several unresolved fraud cases associated with my accounts. I am submitting this request pursuant to my rights under applicable federal consumer-protection laws, including the Electronic Fund Transfer Act ( EFTA ) and Regulation E, as well as my constitutional right to due process in matters concerning financial harm and identity theft.\n\n1. Background and Prior Verified Fraud Case In 2024, I reported unauthorized ACH transactions on my account. Despite my immediate notification, the Fraud Department took no effective action. I was forced to involve legal counsel, who contacted XXXX XXXX directly. After XXXX XXXX conducted a full investigation, it was determined that the transactions were unauthorized, and the funds were ultimately returned to my account. \n\nThis issue was documented under : Wells Fargo Case Number : XXXX This case has been resolved, and I am providing it as a documented example of similar misconduct and mishandling. \n\nXXXX. Current Fraud Claims Requiring Immediate Reopening I am now facing the same pattern of fraudulent ACH activity and the same lack of timely and appropriate action from the Fraud and Claims Departments. \nI respectfully request that the following cases be reopened, reconsidered, and fully reinvestigated : # XXXX # XXXX # XXXX # XXXX # XXXX Additionally, several unauthorized transactions were never listed or included in the initial claim files. All related transactions should be added to the investigations as required by federal law when new evidence or supplemental documentation is provided. \n\nXXXX. Evidence Provided by XXXX and XXXX Regarding Fraud Both XXXX and XXXX have independently confirmed fraudulent activity involving my accounts. They attempted to issue refunds, but the refunds were rejected by Wells Fargo due to account closure, leaving me financially harmed despite their acknowledgment of the fraud. \n\nI have full documentation supporting these findings, including : Written confirmations from XXXX Written confirmations from TikTok Refund attempt records Identity theft evidence Prior case documentation XXXX. Concerns of Mishandling, Negligence, and Discrimination Based on repeated delays, lack of follow-up, and inconsistent information, I believe my claims have not been handled with the level of diligence and impartiality required by federal consumer-protection standards. \n\nGiven my past experience and the similarity to the XXXX  case, I feel discriminated against, neglected, and deprived of proper protections afforded by federal law. The emotional distress caused by this extended situation has been severeespecially as my son has been XXXX XXXX XXXXXXXX treatment for the past three weeks, placing an overwhelming burden on my family. \n\nXXXX. Request for New Case Management and Executive Oversight I am respectfully requesting : Immediate reopening and full reinvestigation of all listed claims.Removal of all previously assigned staff, including Case Manager XXXX XXXX XXXX, due to lack of effective communication, incomplete reviews, and failure to act on provided evidence.\n\nAssignment of a specialized, senior-level investigative team or executive-level claims specialist to handle my case.\n\nA full written explanation of : Why the refunds from XXXX and XXXX were rejected Why my claims have not been addressed for months Why required steps under Regulation E were not followed 6. Legal Protections and My Rights as a Fraud Victim As a consumer who has been a victim of fraud and identity theft, I am protected under : The Electronic Fund Transfer Act ( EFTA ) Regulation E The Fair Credit Billing Act Federal Identity Theft Protections My constitutional right to fair treatment and due process Under these laws, Wells Fargo is required to : Conduct a timely and thorough investigation, Provide provisional credit when warranted, Consider new or supplemental evidence, And correct any errors or failures in handling my claims. \n\n7. Final Request Given the documented pattern of errors, mishandling, and previous validated fraud on my account, I request immediate executive-level review and written confirmation that these cases are being reopened and escalated.\n\nBased on the handling of my fraud claims, I believe the following rights and protections have been violated : Violation of my rights under the Electronic Fund Transfer Act ( EFTA ) Failure to conduct a timely, complete, and good-faith investigation of unauthorized electronic transactions.\n\nFailure to provide required updates and explanations regarding the status and outcome of the investigation.\n\nViolation of Regulation E ( 12 CFR Part 1005 ) Failure to provide provisional credit within the required timeframe after I reported unauthorized transactions. \n\nFailure to consider new or supplemental evidence ( including documentation from XXXX and XXXX ) as required. \n\nFailure to re-open or re-evaluate claims despite the emergence of new proof confirming fraudulent activity. \n\nImproper denial of refunds and improper closure of claims without meeting the regulatory standards for dispute resolution. \n\nViolation of my rights under federal identity-theft protections Failure to take reasonable steps to protect my account after reporting identity theft. \n\nFailure to properly investigate identity-theft-related transactions when credible evidence was submitted. \n\nFailure to assist in clearing fraudulent activity despite third-party confirmations ( XXXX and XXXX ) supporting my claims. \n\nPotential violation of the Fair Credit Billing Act ( FCBA ) Failure to rectify billing errors and unauthorized transactions in a timely manner.\n\nFailure to comply with obligations to correct inaccurate or invalid charges once evidence was provided.\n\nDenial of my right to fair treatment and due process Repeated mishandling, delays, and inconsistent communication that deprived me of a fair and impartial review.\n\nFailure to provide clear written explanations for rejected refunds, claim denials, and procedural deviations. \n\nFailure to provide equal treatment and adequate protection compared to my prior validated fraud case ( XXXX XXXX. XXXX ), raising concerns of discrimination or negligent disregard of my claims. \nFailure to properly handle third-party refund attempts Wells Fargos rejection of refunds from XXXX and XXXX both parties confirming the transactions were fraudulentresulting in preventable financial harm. \n\nI am prepared to provide all documentation, communications, identity theft affidavits, and evidence supporting every aspect of this complaint. \n\nThank you for your urgent attention to this matter. I look forward to a prompt and lawful resolution. \n\nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-12-02T22:39:14.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"32812","tags":"Servicemember","has_narrative":true,"complaint_id":"18049714","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-12-02T21:54:50.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Failure to properly <em>investigate</em> identity-theft-related <em>transactions</em> when credible evidence was submitted. \n\nFailure to assist in clearing fraudulent <em>activity</em> despite third-party <em>confirmations</em> ( XXXX and XXXX ) supporting my claims. \n\nPotential violation of the Fair Credit Billing Act ( FCBA ) Failure to rectify billing errors and <em>unauthorized</em> <em>transactions</em> in a timely manner.\n\nFailure to comply with obligations to correct inaccurate or invalid charges once evidence was provided."]},"sort":[19.926046,"18049714"]},{"_index":"complaint-public-v1","_id":"18555811","_score":19.865717,"_source":{"product":"Checking or savings account","complaint_what_happened":"Between XX/XX/XXXX and XX/XX/year>, XXXX unauthorized ATM withdrawals totaling {$2400.00} were made from my checking account over XXXX consecutive days. The withdrawals occurred in rapid succession, with each transaction approximately XXXX minute apart, including multiple {$300.00} withdrawals within minutes, and this same pattern was repeated on each of the XXXX consecutive days. \n\nI discovered the unauthorized activity late evening on XX/XX/year>, when a debit transaction was declined because the series of withdrawals had fully depleted my account. Early on XX/XX/year>, I promptly reported the unauthorized withdrawals to Chase. \n\nDespite these facts, Chase denied my theft report within XXXX day of my report and did not provide a substantive explanation or documentation supporting its determination, stating only that Chase determined the transactions were authorized based solely on the use of the correct PIN, without providing supporting documentation or analysis. I explained that I did not authorize the transactions, that I had never used an ATM withdrawal on this account, and that my PIN had been compromised. \n\nChase later advised that the disputed withdrawals were conducted using electronically captured card information that was provisioned to a mobile device ( an XXXX ) and then used to complete the ATM transactions, rather than by me using my physical card. Despite acknowledging this fraud mechanism, Chase has not refunded the disputed withdrawals. \n\nAfter researching my rights under Regulation E, I sent Chase Bank a written request dated XX/XX/year>, asking Chase to reinvestigate the claim. In that letter, I cited Chases obligations under Regulation E, identified deficiencies in Chase 's investigation, including reliance on PIN use alone, the absence of a reasonable investigation, and the failure to provide written findings or supporting documentation, and requested documentation supporting its determination. Despite my repeated inquiries and requests, both in writing and by telephone, Chase Bank did not respond and did not provide the requested documentation. \n\nChase representatives advised that my best option was to contact local law enforcement for assistance with investigation into the matter. I followed that guidance and contacted multiple police departments. The XXXX Police Department agreed to investigate. \n\nThe XXXX Police Department obtained a court-authorized search and seizure warrant requiring Chase to produce ATM surveillance footage. After reviewing Chases own ATM camera footage, the XXXX Police determined that the withdrawals were conducted by multiple third parties who do not match my physical appearance and formally concluded that I am the victim of fraud. \n\nOn XX/XX/year>, I sent a second written letter to Chase enclosing the XXXX Police Department documentation confirming that the disputed withdrawals were unauthorized and criminal, reiterating Chases burden under the Electronic Fund Transfer Act and Regulation E, and requesting that the stolen funds be credited and the transactions reversed. I also requested written confirmation that no adverse fraud determination remained on my account. Chase has not resolved the matter and states that its internal investigation is still ongoing. \n\nI am filing this complaint because Chase denied my claim based solely on PIN use, without conducting a reasonable or good-faith investigation, failed to respond to my multiple written and telephone requests seeking reinvestigation and the documentation supporting its determination as required under Regulation E, failed to identify or escalate an obvious and highly unusual pattern of rapid, repeated ATM withdrawals that fully depleted the account and was entirely inconsistent with my established account history, which consisted of small, routine purchases and no prior ATM withdrawals, and has not credited my account even after ( XXXX ) Chase acknowledged that the withdrawals were conducted using electronically captured card information provisioned to a mobile device and ( XXXX ) law enforcement confirmed, using Chases ATM surveillance footage, that the transactions were conducted by third parties and were unauthorized and criminal.","date_sent_to_company":"2026-01-08T04:01:17.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"068XX","tags":null,"has_narrative":true,"complaint_id":"18555811","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-01-08T02:44:31.000Z","state":"CT","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["In that letter, I cited Chases obligations under Regulation E, identified deficiencies in Chase 's <em>investigation</em>, including reliance on PIN use alone, the absence of a reasonable <em>investigation</em>, and the failure to provide written <em>findings</em> or supporting <em>documentation</em>, and requested <em>documentation</em> supporting its determination. Despite my repeated inquiries and requests, both in writing and by telephone, Chase Bank did not respond and did not provide the requested <em>documentation</em>."]},"sort":[19.865717,"18555811"]},{"_index":"complaint-public-v1","_id":"16735277","_score":19.356382,"_source":{"product":"Credit card","complaint_what_happened":"I was checking into the XXXX XXXXXXXX XXXX XXXX XXXX  on Thursday XX/XX/XXXX and as I was taking out my belongings out of the car I lost my upgrade Credit card. I didn't realize until Saturday XX/XX/XXXX and I locked the card. When we came back from Vacation on XX/XX/XXXX I asked my husband if he had the card or had used it on our trip. He confirmed he didn't and there was over {$500.00} in unauthorized transactions from a place called XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Places we didn't go to on our trip and neither of us drink. I called Upgrade and opened a claim. On XX/XX/XXXX they request a police report and additional statement which I provided. On XX/XX/XXXX they declined my dispute claiming this aligns with transaction I have done in the past which is a lie. I reach out to upgrade to ask them why their dispute denial reason had inaccurate information and they dont help me. Tell me to send additional documentation to prove it wasnt me. I sent them a formal email requesting they reopen the investigation and attach additional proof I wasnt in the location those transactions were done in. The email I sent them stated Your email stated the dispute was declined because the disputed charge ( s ) [ are ] within my normal spending pattern. That statement is false. I do not make purchases with these merchants, was not present at those locations on the dates shown, and these charges are not consistent with my normal spending. I have attached supporting documentation that demonstrates this, including [ location proof, police report, and my bank activity proving I was no where near the location where these transactions took place. ) Please conduct a full and fair reinvestigation under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and provide written confirmation of your findings. If you determine the charges were valid, please include copies of all documentation, logs, or other evidence relied upon in reaching that decision They never reach out or confirm they reopened dispute case and when I call today XX/XX/XXXX they tell me they just decided not to review my additional documents nor will they reopen dispute. Nor will they send me any condena ion of their findings or evidence used to determine this. They are not complying with a full and fair investigation of my dispute","date_sent_to_company":"2025-10-21T23:04:07.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"33068","tags":null,"has_narrative":true,"complaint_id":"16735277","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UPGRADE, INC.","date_received":"2025-10-21T22:39:19.000Z","state":"FL","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 have attached supporting <em>documentation</em> that demonstrates this, including [ location proof, police report, and my bank <em>activity</em> proving I was no where near the location where these <em>transactions</em> took place. ) Please conduct a full and fair reinvestigation under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and provide written <em>confirmation</em> of your <em>findings</em>."]},"sort":[19.356382,"16735277"]},{"_index":"complaint-public-v1","_id":"18280222","_score":19.13668,"_source":{"product":"Credit card","complaint_what_happened":"A business credit card was opened under my business with Chase. I was an authorized user at the time and placed an initial product order. Shortly afterward, my former business partner falsely reported to Chase that the items were never delivered. I believe the card was then reported as lost or stolen without my authorization. \n\nChase issued a replacement credit card without my knowledge or consent and mailed it to a mailbox I did not have access to and did not have a key for. I did not request a replacement card and was not notified that one had been issued or mailed. \n\nAfter I became the sole owner of the business, documentation was submitted to update the account and remove my former partner as an authorized user. Despite this, the business credit card was later moved or associated with a different business without my authorization. \n\nMultiple unauthorized purchases were made using a replacement card that I did not know existed. These transactions occurred on or around XX/XX/XXXX. I did not make or authorize these charges and never had possession of the replacement card. \n\nDuring this time, Chase altered account alerts and notification settings without my knowledge, preventing me from receiving fraud alerts or transaction notices. Additional replacement cards were later sent without my request or authorization. \n\nIn XX/XX/XXXX, I received Chase statements showing multiple payments made to this same business credit card totaling {$22000.00}. I did not make these payments and did not authorize them. A police report for identity theft and fraud was filed. \n\nDespite repeated requests, Chase has refused to provide account records, transaction details, access logs, mailing history, or documentation explaining how replacement cards were issued, where they were mailed, who made the payments, or why the account was altered without my consent. This refusal has prevented me from fully protecting my business, resolving identity theft, and correcting fraudulent activity. \n\nThis is my business account. I am the rightful owner. Chases actionsincluding issuing replacement cards without authorization, mailing cards to an inaccessible address, changing alerts without consent, allowing unauthorized charges and payments, and refusing to provide recordshave caused significant financial harm and security risk. \n\nThis complaint is aligned with my police report, FTC identity theft report, and Chase XXXX XXXX escalation. I am requesting a full investigation, release of all account records, correction of the account history, reversal of unauthorized activity, and appropriate remediation. \n\nI am requesting written confirmation of findings and all supporting documentation.","date_sent_to_company":"2025-12-25T07:08:15.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"18280222","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-12-25T06:37:55.000Z","state":"TX","company_public_response":null,"sub_issue":"Sent card you never applied for"},"highlight":{"complaint_what_happened":["I am requesting a full <em>investigation</em>, release of all account records, correction of the account history, reversal of <em>unauthorized</em> <em>activity</em>, and appropriate remediation. \n\nI am requesting written <em>confirmation</em> of <em>findings</em> and all supporting <em>documentation</em>."]},"sort":[19.13668,"18280222"]},{"_index":"complaint-public-v1","_id":"16878200","_score":19.004519,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Email : XXXX Phone : ( XXXX ) XXXX XXXX To : XXXX Resolutions Department Block , Inc. ( Cash App ) XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : FORMAL COMPLAINT UNAUTHORIZED ACCOUNT ACTIVITY & VIOLATION OF REGULATION XXXX Cash App Cashtag : XXXX XXXXXXXX Case/Dispute Numbers : XXXX, XXXX, XXXX To Whom It May Concern : I am submitting this formal complaint regarding Cash Apps failure to comply with federal consumer protection laws under Regulation E ( 12 CFR Part 1005 ) of the Electronic Fund Transfer Act. My account was unlawfully accessed, funds were removed without my authorization, and despite acknowledging the account was compromised, Cash App closed my account on the date my refund was due rather than returning my stolen funds as required by law. \n\nSummary of Incident On or around XX/XX/XXXX, my Cash App account associated with Cashtag XXXX XXXX was hacked and accessed without my authorization. \nA total of {$690.00} in funds was removed from my account without my permission. \nUnauthorized requests were also sent to my contacts, clearly demonstrating fraudulent compromise. \nOn XX/XX/XXXX, I filed formal disputes with Cash App under case numbers XXXX, XXXX, and XXXX. \nDuring the investigation, a Cash App disputes representative confirmed that my account had been compromised. \nI was informed the investigation could take up to 45 days, in compliance with Regulation E. \nInstead of reimbursing me at the end of this investigation period, I received an email on XX/XX/XXXX, stating that my account was being closed due to fraudulent activitythe same activity that Cash App previously acknowledged was unauthorized and not conducted by me. \n\nThis appears to be a direct attempt to avoid issuing the legally required reimbursement.\n\nLegal Basis Regulation E Violation Under Regulation E, Cash App is obligated to : 1. Investigate unauthorized electronic fund transfers in a timely manner ; 2. Provide provisional credit within 10 business days if the investigation is not complete ; 3. Issue a final determination within 45 days ; and 4. Return funds to the consumer if the transfer was unauthorized, which has already been acknowledged in this case.\n\nBy closing my account on the date reimbursement was due, Cash App violated my consumer rights under federal law and failed to complete its legal responsibility to make me whole.\n\nRequested Remedy I hereby demand : 1. Immediate reimbursement of {$690.00} for the unauthorized transactions.\n\n2. Written confirmation acknowledging that my account closure was improper and will not negatively affect my financial standing.\n\n3. Either reinstatement of my account or immediate payment of the refund via an alternative method.\n\n4. A full explanation of the investigative findings, as required by Regulation E, including documentation of your internal conclusion that my account was compromised.\n\nNotice of Escalation If this matter is not resolved within 10 business days, I will proceed with filing formal complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Office of the Comptroller of the Currency ( OCC ) regarding Cash Apps banking partners State and federal authorities My legal counsel for recovery of damages and violation of federal law Conclusion I expect prompt resolution and written confirmation. Cash App has acknowledged that the activity was unauthorized, and therefore the law is clear : my funds must be returned. \n\nSincerely, XXXX XXXX Attachments : Dispute confirmations Email showing account compromise acknowledgment","date_sent_to_company":"2025-10-28T10:30:03.000Z","issue":"Other transaction problem","sub_product":"Virtual currency","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"16878200","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-10-28T10:21:12.000Z","state":"SC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Immediate reimbursement of {$690.00} for the <em>unauthorized</em> <em>transactions</em>.\n\n2. Written <em>confirmation</em> acknowledging that my account closure was improper and will not negatively affect my financial standing.\n\n3. Either reinstatement of my account or immediate payment of the refund via an alternative method.\n\n4. A full explanation of the <em>investigative</em> <em>findings</em>, as required by Regulation E, including <em>documentation</em> of your internal conclusion that my account was compromised."]},"sort":[19.004519,"16878200"]},{"_index":"complaint-public-v1","_id":"20069419","_score":18.737028,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"On multiple dates, I provided this creditor with written XXXX notices, XXXX disputes, and explicit instructions to cease furnishing inaccurate information while the account was under investigation. Despite receiving these notices, the creditor continued to process unauthorized transactions, ignored statutory dispute obligations, and then escalated their misconduct by posting a chargeoff an internal accounting classification as if it were a legally valid determination of liability. This is knowingly false, misleading, and prohibited under federal law. \n\nA chargeoff is not a legal status. It is a XXXX reclassification. Reporting it as evidence of delinquency after receiving fraud notices and billingerror disputes is a direct violation of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681s2 ( a ) ( duty to furnish accurate information ) and 1681s2 ( b ) ( duty to investigate and correct disputed information ). The creditor had actual knowledge that the account was disputed, unverifiable, and tied to unauthorized activity, yet they continued furnishing derogatory data to the credit bureaus. This is willful noncompliance. \n\nThe creditor also failed to conduct a reasonable investigation as required by federal law. They did not request documentation, did not provide findings, did not correct the record, and did not cease negative furnishing during the dispute period. Instead, they XXXX the credit reporting system to pressure payment on an account that is XXXX, unresolved, and legally uncollectible until a proper investigation is completed. \n\nTheir actions have caused ongoing credit harm, reputational damage, and interference with my ability to secure housing, insurance, and financial stability. This creditor has demonstrated a pattern of disregard for federal dispute procedures, consumer rights, and the accuracy requirements governing credit reporting. \n\nI am demanding immediate deletion of the chargeoff notation, removal of all derivative negative reporting, and confirmation that no further furnishing will occur unless and until the creditor can produce verifiable, authenticated evidence supporting the validity of the account which they have repeatedly failed to do. I request that the CFPB require full corrective action and evaluate this creditor for systemic noncompliance with FCRA obligations.","date_sent_to_company":"2026-03-07T20:18:53.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"85338","tags":null,"has_narrative":true,"complaint_id":"20069419","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICA FIRST FEDERAL CREDIT UNION","date_received":"2026-03-07T20:12:52.000Z","state":"AZ","company_public_response":null,"sub_issue":"Problem with additional products or services purchased with the loan"},"highlight":{"complaint_what_happened":["The creditor also failed to conduct a reasonable <em>investigation</em> as required by federal law. They did not request <em>documentation</em>, did not provide <em>findings</em>, did not correct the record, and did not cease negative furnishing during the dispute period. Instead, they XXXX the credit reporting system to pressure payment on an account that is XXXX, unresolved, and legally uncollectible until a proper <em>investigation</em> is completed."]},"sort":[18.737028,"20069419"]},{"_index":"complaint-public-v1","_id":"17031774","_score":18.544445,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Navy Federal Credit Union XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) To Whom It May Concern, My name is XXXX XXXX XXXX XXXX XXXX member of Navy Federal Credit Union. I am writing to formally request a second review of my fraud claim submitted on XXXX XXXX, regarding fraudulent transactions totaling {$3800.00} on my debit card ending in XXXX. I received notice on XX/XX/year>, that my claim was denied. Following my release from the hospital on XX/XX/year>, after several serious procedures, I reviewed my account on XX/XX/year>, and discovered multiple unauthorized withdrawals occurring between XX/XX/XXXX and XX/XX/year>. \nPrior to these fraudulent activities, my account balance was approximately {$3800.00}. Afterward, it had been reduced to a negative balance of - {$130.00}. These transactions are not consistent with my normal spending habits. I have never conducted an ATM withdrawal during my entire membership with Navy Federal Credit Union. Furthermore, the fraudulent transactions occurred approximately XXXX hours away from my home in XXXX, XXXX, which is well outside my usual area of activity. When I discovered the missing funds on XX/XX/year>, I immediately attempted to contact Navy Federal Credit Union but was informed that the system was down and that representatives could not assist me. I documented that call. I also attempted to contact law enforcement but was advised to wait due to technical issues delaying report generation. On XX/XX/year>, I was finally able to file a fraud dispute with your department. Under Regulation E ( 12 CFR 1005.11 ), financial institutions are required to conduct a reasonable investigation when a consumer reports an unauthorized electronic fund transfer and to provide provisional credit if the investigation can not be completed within XXXX business days. Based on the timeline and circumstances, I respectfully assert that an error did occur and that the denial of my claim was made without full consideration of the supporting facts and my timely reporting efforts. I respectfully request that Navy Federal re-examine this claim under the protections provided by Regulation E and provide written confirmation of your findings. I am willing to cooperate fully and provide any supporting documentation, including hospital discharge papers, phone call records, and any police report updates once available. Thank you for your time and for protecting the integrity of your members financial security. \n\nSincerely, XXXX XXXX XXXX, Navy Federal Credit Union","date_sent_to_company":"2025-11-05T23:01:35.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"44120","tags":"Older American","has_narrative":true,"complaint_id":"17031774","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-11-05T22:48:28.000Z","state":"OH","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Non-sufficient funds and associated fees"},"highlight":{"complaint_what_happened":["I respectfully request that Navy Federal re-examine this claim under the protections provided by Regulation E and provide written <em>confirmation</em> of your <em>findings</em>. I am willing to cooperate fully and provide any supporting <em>documentation</em>, including hospital discharge papers, phone call records, and any police report updates once available. Thank you for your time and for protecting the integrity of your members financial security. \n\nSincerely, XXXX XXXX XXXX, Navy Federal Credit Union"]},"sort":[18.544445,"17031774"]},{"_index":"complaint-public-v1","_id":"21831603","_score":18.351881,"_source":{"product":"Credit card","complaint_what_happened":"Subject : Complaint Inconsistent Fraud Determinations, Failure to Properly Process Reports, and Lack of Verifiable Communication I am submitting this complaint regarding the handling of disputed charges by Capital One. \nThe charges at issue occurred between XX/XX/XXXX and XX/XX/XXXX and involve repeated transactions associated with a single digital platform. These transactions formed a pattern of recurring amounts, high-frequency activity, and ultimately appeared across multiple accounts. Due to their similarity to legitimate activity, the pattern was not immediately identifiable as unauthorized. \nOnce the pattern became apparent in approximately XXXX XXXX, I made multiple attempts to report the issue. \nIn XX/XX/XXXX, I contacted Capital One by phone to report the suspected fraudulent activity. During that call, I was informed that each transaction would need to be entered individually. The representative expressed resistance due to the number of transactions and discouraged proceeding. As a result, the report was not completed. \nBetween XXXX and XX/XX/XXXX, I attempted to report the issue independently via email. I made multiple efforts to identify and use an appropriate fraud reporting contact but was unable to locate or successfully use a functional email channel. \nIn XX/XX/XXXX, I again contacted Capital One by phone. During this call, the representative again expressed reluctance to process the volume of transactions and suggested that I simply pay the charges rather than proceed with reporting them. I insisted that the report be taken. The representative began entering the disputed transactions and confirmed that one account had been successfully submitted. While processing the second account, the call was disconnected. I did not receive a return call, and the report was not completed. \nDuring that XXXX interaction, I was led to believe that at least one set of disputed transactions had been successfully submitted and would be reviewed. Based on that representation, I reasonably expected to receive follow-up communication or written correspondence confirming the status or outcome of the investigation. I allowed a reasonable period of time for such communication to occur. However, I did not receive any phone call, email, or written notice regarding the status or resolution of the reported activity. \nAfter receiving no communication or confirmation, I submitted a formal written dispute on XX/XX/XXXX. \nOn XX/XX/XXXX, I was contacted by phone by a Capital One representative. During that call, I was told that I was being held responsible for the charges because I had failed to report the issue within XXXX days of occurrence. I was also told that prior correspondence had been sent to me regarding the investigation and outcome. I advised the representative that I had not received any such communications. \nFollowing that call, I received multiple letters dated XX/XX/XXXX stating that my claims were denied due to insufficient evidence of fraud, with additional references to charges older than XXXX days not being eligible for temporary credit. \nSubsequently, I received additional documentation dated XX/XX/XXXX, which appears to correspond to the original fraud report initiated during my XX/XX/XXXX phone call. These documents confirm that Capital One opened a fraud investigation at that time and acknowledged the disputed charges. This directly contradicts the later position communicated to me on XX/XX/XXXX, that I failed to report the issue within the required timeframe. The existence of a documented investigation in XXXX demonstrates that the issue was, in fact, reported and processed, and that any failure in follow-through or communication occurred within Capital Ones internal handling of the casenot due to inaction on my part. \nAdditionally, the XX/XX/XXXX documentation reflects multiple and inconsistent positions, including statements that I would not be held responsible for unauthorized charges, while other communications from the same timeframe state that there was insufficient evidence of fraud and that the transactions were valid. These conflicting determinations demonstrate a lack of a clear, consistent, and well-documented investigative conclusion. \nAlthough I was informed that prior correspondence had been sent by both mail and email, I did not receive any such communications at the time they were allegedly issued. All documentation in my possession was received only recently, and multiple letters are identically dated XX/XX/XXXX, with no verifiable evidence of earlier delivery. \nI was also informed that my account was enrolled in paperless delivery. I have reviewed my email records, which contain extensive message history dating back through XXXX. While I have received multiple communications from Capital One regarding account activity, I have received no emails confirming a fraud claim, no investigation notices, and no communications providing the outcome of any such investigation. \nDespite the existence of a written dispute, I have received collection and charge-off communications related to these disputed balances. \nWith respect to the disputed transactions themselves, the pattern of activity is significant. The repeated amounts, high frequency, and occurrence across multiple accounts are not consistent with typical consumer behavior and would reasonably warrant a detailed and well-documented investigation. No such explanation has been provided. \nFor context, I have professional expertise in cybersecurity, digital fraud, and criminal investigation, including doctoral-level training and prior law enforcement investigative experience. Based on this experience, the transaction pattern observed is inconsistent with typical consumer activity. \nMy concern is not only the outcome of the dispute, but the failure to properly process earlier reporting attempts, the inconsistency of the explanations provided, and the lack of verifiable communication regarding the investigation. \nI respectfully request : A full review of Capital Ones handling of this matter Verification of whether appropriate investigation and notification standards were followed A requirement that Capital One provide a clear, detailed, and consistent explanation of its findings Correction of the account if deficiencies are identified Protection against improper collection or negative credit reporting while this matter remains unresolved Respectfully, XXXX XXXX XXXX, XXXX.","date_sent_to_company":"2026-05-03T04:32:18.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"75080","tags":"Servicemember","has_narrative":true,"complaint_id":"21831603","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-05-03T04:15:47.000Z","state":"TX","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["The charges at issue occurred between XX/XX/XXXX and XX/XX/XXXX and involve repeated <em>transactions</em> associated with a single digital platform. These <em>transactions</em> formed a pattern of recurring amounts, high-frequency <em>activity</em>, and ultimately appeared across multiple accounts. Due to their similarity to legitimate <em>activity</em>, the pattern was not immediately identifiable as <em>unauthorized</em>. \nOnce the pattern became apparent in approximately XXXX XXXX, I made multiple attempts to report the issue."]},"sort":[18.351881,"21831603"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":69,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":69}]}},"product":{"doc_count":69,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":25,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":25}]}},{"key":"Credit card","doc_count":14,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":13},{"key":"Store credit 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