{"took":105,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":7625,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"19021293","_score":14.58719,"_source":{"product":"Checking or savings account","complaint_what_happened":"On [ XX/XX/year>XXXX  ], I noticed unauthorized transactions on my Capital One debit card totaling {$23000.00}. These transactions were part of a single, continuous fraud event, not isolated incidents. Despite initially reporting these fraudulent charges, Capital Ones original investigation did not cover all the unauthorized transactions. Capital One later acknowledged that some transactions were excluded and opened a new claim for those previously missed transactions. \n\nI continue to dispute the denial of the remaining unauthorized transactions and request a full reconsideration under Regulation E, which mandates that all unauthorized transactions stemming from the same compromise be fully investigated.","date_sent_to_company":"2026-01-26T23:34:28.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"33311","tags":null,"has_narrative":true,"complaint_id":"19021293","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-01-26T22:49:10.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I continue to dispute the denial of the remaining <em>unauthorized</em> <em>transactions</em> and request a full reconsideration under Regulation E, <em>which</em> mandates that all <em>unauthorized</em> <em>transactions</em> stemming from the same compromise be fully <em>investigated</em>."]},"sort":[14.58719,"19021293"]},{"_index":"complaint-public-v1","_id":"20490156","_score":14.502499,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint regarding unauthorized transactions on my account with Chime. \n\nOn or about XX/XX/year>, my card information was used without my authorization to make multiple transactions across several online gambling and gaming platforms, including XXXX XXXX, XXXX, XXXX XXXX XXXX, and other similar merchants. These transactions were not made by me, and I did not give permission to any individual to access or use my card.\n\nThere are two separate issues : 1. A set of unauthorized transactions totaling approximately {$150.00}, which I disputed with Chime. This dispute was denied within approximately three days without what appears to be a reasonable or thorough investigation.\n\n2. A second, much larger series of approximately XXXX unauthorized transactions made across these same merchants, which I have also disputed and is currently under review. \n\nI immediately took action upon discovering the unauthorized activity by reporting the transactions to Chime and initiating disputes. I have clearly stated that these charges are fraudulent and unauthorized. \n\nI am concerned that my initial dispute was denied without a proper or reasonable investigation. Given the number of transactions, the involvement of multiple online merchants, and the nature of the activity, this clearly indicates unauthorized access and potential fraud. \n\nI am requesting that Chime conduct a full and fair investigation of all disputed transactions, including contacting the merchants and reviewing any relevant transaction data, device access logs, or account activity. \n\nThese transactions have caused significant financial hardship, and I am seeking a full refund of all unauthorized charges. \n\nI respectfully request that Chime : - Reopen and properly investigate the previously denied dispute - Thoroughly investigate all unauthorized transactions across all listed merchants - Provide documentation of their investigation findings - Issue refunds for all confirmed unauthorized charges I did not authorize these transactions, did not benefit from them, and my account security was clearly compromised. \n\nI am also in the process of filing a police report regarding this unauthorized activity. \n\nThank you for your attention to this matter.","date_sent_to_company":"2026-03-22T18:18:50.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"03301","tags":null,"has_narrative":true,"complaint_id":"20490156","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2026-03-22T18:07:00.000Z","state":"NH","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["A set of <em>unauthorized</em> <em>transactions</em> totaling approximately {$150.00}, <em>which</em> I disputed with Chime. This dispute was denied within approximately three days without what appears to be a reasonable or thorough <em>investigation</em>.\n\n2. A second, much larger series of approximately XXXX <em>unauthorized</em> <em>transactions</em> made across these same merchants, <em>which</em> I have also disputed and is currently under review."]},"sort":[14.502499,"20490156"]},{"_index":"complaint-public-v1","_id":"20961442","_score":14.443262,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing a complaint regarding unauthorized transactions that occurred on my PayPal account on XX/XX/XXXX. \n\nMultiple transactions were made through my account that I did not authorize. These transactions were flagged by my bank as unusual and potentially fraudulent activity. All other transactions on my account are normal, indicating this was an isolated incident.\n\nI reported these transactions to PayPal, and I received conflicting information during the investigation. At one point, I was provided written confirmation stating that the activity on my account was determined to be unauthorized. However, PayPal later denied my dispute, claiming that the transactions were authorized because they were verified through my email address. \n\nI did not authorize these transactions. If activity occurred through my email or account, this indicates a potential account compromise, which should still qualify as unauthorized use. \n\nDespite presenting this information, PayPal closed the case and stated that the decision is final, refusing to reopen the investigation. They also advised me to contact the seller, which is not appropriate in cases of fraud. \n\nI am requesting that PayPal : Conduct a proper investigation into these unauthorized transactions Provide documentation of the evidence used in their determination Reimburse the funds associated with these unauthorized transactions I am also pursuing resolution through my financial institution due to PayPals failure to properly handle this matter.","date_sent_to_company":"2026-04-05T19:58:35.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"275XX","tags":null,"has_narrative":true,"complaint_id":"20961442","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-04-05T19:51:47.000Z","state":"NC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am requesting that PayPal : Conduct a proper <em>investigation</em> into these <em>unauthorized</em> <em>transactions</em> Provide documentation of the evidence used in their determination Reimburse the funds associated with these <em>unauthorized</em> <em>transactions</em> I am also pursuing resolution through my financial institution due to PayPals failure to properly handle this matter."],"issue":["<em>Unauthorized</em> <em>transactions</em> or other transaction problem"]},"sort":[14.443262,"20961442"]},{"_index":"complaint-public-v1","_id":"17849572","_score":14.164105,"_source":{"product":"Checking or savings account","complaint_what_happened":"THIS IS NOT A DUPLICATE COMPLAINT. \n\nBank of America never investigated the XXXX issues raised here, which include : XXXX. Unauthorized transactions that occurred while I was enrolled in a state-administered self-exclusion program, XXXX. Misclassification of XXXX withdrawals as merchant refunds, XXXX. Missing transactions I attempted to dispute in XX/XX/XXXX that were never investigated, and XXXX. An XXXX referral confirming the matter is NOT resolved. \n\nThese issues were never addressed in any prior investigation, so this complaint is not a duplicate under Regulation E. \n\n\n\nSummary of the Problem From XX/XX/XXXX through XX/XX/XXXX, approximately {$600000.00} in XXXX XXXX XXXXansactions occurred on my Bank of America checking account while I was actively enrolled in my states self-exclusion program, which prohibits me from accessing gambling platforms. \nUnder state law, these transactions are legally unauthorized, and Bank of America is required under Regulation XXXX ( XXXX CFR XXXX ) to treat them as unauthorized electronic fund transfers. \n\nBeginning in XX/XX/XXXX, I attempted to dispute ALL related XXXX transactions. \nBank of America failed to conduct a reasonable investigation and mishandled the disputes in the following ways : XXXX. Ignored my self-exclusion documentation This documentation legally establishes that I could not authorize any XXXX transactions. \nBank of America NEVER addressed this in its prior responses. \n\nXXXX. XXXX XXXX withdrawals as refunds Several XXXX  withdrawals into my account were incorrectly labeled as merchant refunds. \nThese were NOT refunds they were gambling withdrawals made during the same unauthorized activity. \nThis misclassification reduced or negated my dispute amounts and has NEVER been reviewed. \n\nXXXX. Failed to investigate missing transactions Due to processing errors, many transactions I attempted to dispute in XX/XX/XXXX were never investigated. \nNo prior CFPB case or bank investigation reviewed these missing disputes. \n\nXXXX. Fragmented the dispute into XXXX separate claims This caused procedural errors, lost claims, and contradictory outcomes. \nThe transactions were part of a single unauthorized pattern and should have been investigated together. \n\nXXXX. Provided an inadequate response to the prior CFPB complaint Bank of America simply stated the transactions were authorized, without addressing : my self-exclusion status, the unauthorized nature of the transfers, the misclassified withdrawals, or the missing disputes.\n\nThis does NOT meet the requirement for a reasonable investigation under Regulation E. \n\nBank of America has already reimbursed approximately {$120000.00} of the XXXX transactions, which confirms that portions of this activity were unauthorized. However, they denied or ignored the remaining transactions without applying any consistent investigation standard. This inconsistency shows that the prior handling was incomplete and that this complaint can not be treated as a duplicate. \n\n\n\nXXXX Referral Confirms the Matter Is Unresolved Because Bank of America failed to address these violations, I filed a complaint with the XXXX. \nThe XXXX reviewed the matter and referred it to the CFPB, which PROVES the dispute remains unresolved and must be reviewed. \nAn XXXX issue can not be treated as a duplicate. \n\n\n\nWhat I Am Requesting I am requesting that CFPB require Bank of America to : XXXX. XXXX a full Regulation XXXX investigation of all XXXX transactions from XXXX XXXX XXXXXXXX. Correct the misclassified transactions labeled as merchant refunds. \nXXXX. Investigate all missing transactions that were never included in prior disputes. \nXXXX. Consider my state-issued self-exclusion documentation, which makes these transfers legally unauthorized. \nXXXX. Reimburse all unauthorized electronic fund transfers in accordance with Regulation XXXX. \n\n\n\n* * These issues have NEVER been reviewed by CFPB or by Bank of America. \n\nThey are XXXX allegations and XXXX regulatory violations, so this complaint can not legally be classified or closed as a duplicate. * *","date_sent_to_company":"2025-12-08T22:25:50.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"10303","tags":null,"has_narrative":true,"complaint_id":"17849572","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-12-08T22:15:21.000Z","state":"NY","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":["Bank of America never <em>investigated</em> the XXXX issues raised here, <em>which</em> include : XXXX. <em>Unauthorized</em> <em>transactions</em> that occurred while I was enrolled in a state-administered self-exclusion program, XXXX. Misclassification of XXXX withdrawals as merchant refunds, XXXX. Missing <em>transactions</em> I attempted to dispute in XX/XX/XXXX that were never <em>investigated</em>, and XXXX. An XXXX referral confirming the matter is NOT resolved."]},"sort":[14.164105,"17849572"]},{"_index":"complaint-public-v1","_id":"20399724","_score":14.087877,"_source":{"product":"Credit card","complaint_what_happened":"I am submitting this complaint regarding multiple unauthorized transactions on my Chase XXXX credit card totaling approximately {$2300.00}. \n\nMy account reflects a high volume of transactions from XXXX over a short period of time, all of which I did not authorize. The pattern of these charges clearly indicates unauthorized use of my account. \n\nI reported these transactions to Chase promptly after discovering the activity. Despite being notified in a timely manner, Chase failed to initiate any meaningful investigation into these charges.\n\nChase did not : - Open a proper fraud or billing error investigation - Provide any written explanation of findings - Issue any provisional credit - Request supporting information or follow up with me- Take reasonable steps to address the reported unauthorized activity The transactions show a clear pattern of repeated charges from the same merchant ( XXXX ) within a condensed timeframe, which is consistent with unauthorized activity. This should have triggered a formal investigation under standard banking procedures. \n\nUnder the Fair Credit Billing Act ( Regulation Z ), Chase is required to conduct a reasonable investigation when a consumer reports unauthorized charges. In this case, Chase failed to meet that obligation and did not follow the required dispute resolution process. \n\nThis complaint is not only about the unauthorized transactions, but also about Chases failure to act after being properly notified. \n\nI am requesting that Chase : 1. Conduct a full and proper investigation into all disputed XXXX transactions 2. Remove all unauthorized charges from my account 3. Provide all documentation and findings related to the investigation 4. Explain why no investigation was initiated when the fraud was originally reported 5. Confirm what actions, if any, were taken after my report","date_sent_to_company":"2026-03-19T04:35:43.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"98056","tags":null,"has_narrative":true,"complaint_id":"20399724","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-03-19T04:29:35.000Z","state":"WA","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 submitting this complaint regarding multiple <em>unauthorized</em> <em>transactions</em> on my Chase XXXX credit card totaling approximately {$2300.00}. \n\nMy account reflects a high volume of <em>transactions</em> from XXXX over a short period of time, all of <em>which</em> I did not authorize. The pattern of these charges clearly indicates <em>unauthorized</em> use of my account. \n\nI reported these <em>transactions</em> to Chase promptly after discovering the activity."]},"sort":[14.087877,"20399724"]},{"_index":"complaint-public-v1","_id":"20013604","_score":14.079899,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a complaint regarding TD Banks handling of my debit card fraud dispute.\n\nI reported unauthorized debit card transactions after my card was lost or stolen. TD Bank conducted a review and denied my claim, stating that valid transactions occurred after the fraudulent ones.\n\nThis reasoning does not establish that the disputed transactions were authorized by me. Under the Electronic Fund Transfer Act ( Regulation E ), TD Bank must conduct a reasonable investigation and determine whether the transactions were authorized. Simply stating that other transactions occurred on the account does not prove that the disputed transactions were made by me.\n\nAdditionally, the denial letter appears to reference only some of the transactions involved in the dispute. My fraud claim involved additional unauthorized charges beyond those listed in the letter.\n\nA police report has been filed regarding the theft and unauthorized use of the card, which further supports that these transactions were not made or authorized by me.\n\nI am requesting that TD Bank reopen the investigation, provide documentation explaining how their investigation determined the transactions were authorized, and credit my account for all unauthorized transactions associated with this claim.","date_sent_to_company":"2026-03-05T20:32:10.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"10465","tags":null,"has_narrative":true,"complaint_id":"20013604","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2026-03-05T20:20:20.000Z","state":"NY","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I am requesting that TD Bank reopen the <em>investigation</em>, provide documentation explaining how their <em>investigation</em> determined the <em>transactions</em> were authorized, and credit my account for all <em>unauthorized</em> <em>transactions</em> associated with this claim."]},"sort":[14.079899,"20013604"]},{"_index":"complaint-public-v1","_id":"5790537","_score":14.062761,"_source":{"product":"Checking or savings account","complaint_what_happened":"In the month of XXXX I became a victim of fraudulent transactions. These unauthorized transactions were placed onto my checking account with Wells Fargo. Usually notifications of all transactions are immediately sent to my phone, but for these transactions no alert was sent at all. I called Wells Fargo to dispute these transactions which totalled {$1000.00} dollars. I asked why was I not sent any alerts on these transactions and they could not explain why, but they provided a temporary credit to my account until the investigation was complete. I declared that I did not authorize those transactions and thought my account would be protected, but I was let down. My bank sent notice when the investigation was complete stating I authorized those transactions, which is completely not true. The credit that was issued has been removed and I am held liable for unauthorized transactions which should be reversed. Please help with ensuring the bank does the right thing and issue the rightfully due credit to my account, I am not a fraud.","date_sent_to_company":"2022-07-20T18:31:09.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"94605","tags":"Older American","has_narrative":true,"complaint_id":"5790537","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-07-20T18:10:24.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["In the month of XXXX I became a victim of fraudulent <em>transactions</em>. These <em>unauthorized</em> <em>transactions</em> were placed onto my checking account with Wells Fargo. Usually notifications of all <em>transactions</em> are immediately sent to my phone, but for these <em>transactions</em> no alert was sent at all. I called Wells Fargo to dispute these <em>transactions</em> <em>which</em> totalled {$1000.00} dollars."]},"sort":[14.062761,"5790537"]},{"_index":"complaint-public-v1","_id":"8883886","_score":14.036154,"_source":{"product":"Checking or savings account","complaint_what_happened":"I reported unauthorized transactions that occurred on my debit card which was saved in my XXXX XXXX to Charles Schwab Bank on XXXX. These unauthorized transactions were initiated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They stole access to my phone and charged my debit card to add cash to my XXXX XXXX XXXX with XXXXXXXX XXXX XXXX which they then used to send cash to themselves. All of these charges were unauthorized. \n\nXXXX XXXX  was the most uncooperative when asked for more information about the unauthorized transactions. XXXXXXXX XXXXXXXX  did not cooperate with any of my questions about how much was transferred, whether they can share bank statements, call logs of my notifying them & the relevant XXXX departments of the fraudulent transactions or where the cash was sent. Schwab Bank conducted an investigation and concluded that the charges were not unauthorized. I've sent Schwab Bank police reports, email notifications of my personal information being changed on my accounts, and evidence of my other financial accounts being hacked and they still will not acknowledge the transactions were unauthorized. \n\nThis is the claim number with the Fraud Investigations Department at Charles Schwab bank : XXXX","date_sent_to_company":"2024-04-30T03:59:05.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"07208","tags":null,"has_narrative":true,"complaint_id":"8883886","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CHARLES SCHWAB CORPORATION, THE","date_received":"2024-04-30T02:45:23.000Z","state":"NJ","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I reported <em>unauthorized</em> <em>transactions</em> that occurred on my debit card <em>which</em> was saved in my XXXX XXXX to Charles Schwab Bank on XXXX. These <em>unauthorized</em> <em>transactions</em> were initiated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They stole access to my phone and charged my debit card to add cash to my XXXX XXXX XXXX with XXXXXXXX XXXX XXXX <em>which</em> they then used to send cash to themselves. All of these charges were <em>unauthorized</em>."]},"sort":[14.036154,"8883886"]},{"_index":"complaint-public-v1","_id":"8181229","_score":13.947235,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Reconsideration Request for Fraudulent Transactions Dispute - Claim Reference Number XXXX I am writing to express my dissatisfaction with the outcome of the investigation related to the fraudulent transactions on my account, referenced by Claim Reference Number XXXX. According to the email received, the investigation concluded that no error was found, and I am deemed responsible for the unauthorized activity. \n\nI find this resolution unjust, as it seems unreasonable to thoroughly investigate and determine the legitimacy of fraudulent transactions within a mere 24 to 48 hours. Considering the complexity of such matters, I request a reconsideration of my claim and an immediate credit to my account for the funds associated with the unauthorized activity.\n\nI believe this request aligns with consumer protection laws, specifically the Electronic Fund Transfer Act ( EFTA ) and Regulation E, which outline the rights and responsibilities of consumers and financial institutions in cases of electronic fund transfers, including unauthorized transactions. \n\nAccording to EFTA and Regulation E, consumers are entitled to prompt investigation and resolution of reported errors or unauthorized transactions. I urge you to review my case thoroughly, taking into consideration the substantial inconvenience and potential financial impact I am experiencing due to the unauthorized activity on my account.","date_sent_to_company":"2024-01-15T21:14:34.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"89110","tags":null,"has_narrative":true,"complaint_id":"8181229","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-01-15T21:08:27.000Z","state":"NV","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 believe this request aligns with consumer protection laws, specifically the Electronic Fund Transfer Act ( EFTA ) and Regulation E, <em>which</em> outline the rights and responsibilities of consumers and financial institutions in cases of electronic fund transfers, including <em>unauthorized</em> <em>transactions</em>. \n\nAccording to EFTA and Regulation E, consumers are entitled to prompt <em>investigation</em> and resolution of reported errors or <em>unauthorized</em> <em>transactions</em>."]},"sort":[13.947235,"8181229"]},{"_index":"complaint-public-v1","_id":"20802539","_score":13.931648,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint regarding multiple unauthorized transactions on my Cash App ( Block Inc ) account totaling approximately {$2500.00}. \n\nI reported these transactions promptly and initiated a dispute. However, Cash App failed to provide provisional credit while the investigation is ongoing and issued inconsistent decisions across similar transactions. \n\nSpecifically, several transactions from the same merchant ( including XXXX and XXXX  ) within the same timeframe were treated differently. Transactions under approximately {$25.00} were approved and refunded, while transactions above that threshold were denied. This indicates the decisions may have been based on internal thresholds rather than a consistent and reasonable investigation as required under Regulation E. \n\nI also have reason to believe my account information may have been compromised due to a potential data breach or unauthorized access, which further supports my claim that these transactions were not authorized. \n\nAdditionally, XXXX XXXX  has already reviewed similar transactions and issued provisional credits in my favor, which supports the legitimacy of my dispute. \n\nCash App has since closed my account, which has prevented me from properly appealing the denied transactions or accessing full dispute documentation.\n\nUnder Regulation E, financial institutions are required to conduct a reasonable investigation and provide provisional credit within 10 business days for unauthorized electronic fund transfers.","date_sent_to_company":"2026-03-31T11:51:13.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"65201","tags":null,"has_narrative":true,"complaint_id":"20802539","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2026-03-31T11:32:14.000Z","state":"MO","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Cash App has since closed my account, <em>which</em> has prevented me from properly appealing the denied <em>transactions</em> or accessing full dispute documentation.\n\nUnder Regulation E, financial institutions are required to conduct a reasonable <em>investigation</em> and provide provisional credit within 10 business days for <em>unauthorized</em> electronic fund transfers."]},"sort":[13.931648,"20802539"]},{"_index":"complaint-public-v1","_id":"18476439","_score":13.879004,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint because my bank, First Financial Bank, denied my fraud claim for several unauthorized XXXX XXXX transactions that were made using my debit card information. These transactions totaled {$1700.00} and occurred between XXXX. I did not authorize these transfers, I did not know the person who received the money, and the XXXX XXXX transactions clearly show a recipient name that is not mine. \n\nI reported the fraud to the bank as soon as I became aware of it. I was told the investigation would take up to ten business days, but the bank closed the case in about two days and reversed the provisional credit within an hour. The bank stated that the transactions were authorized, which is not correct. My debit card information was stolen and used without my knowledge or permission. \n\nThese transactions meet the definition of unauthorized electronic fund transfers under * * Regulation E ( 12 CFR Part 1005 ) * *, which protects consumers in situations like this. The banks investigation does not appear to have met the requirements of a reasonable investigation under the regulation. \n\nSome of the transactions occurred more than 60 days before I discovered the fraud. However, my understanding is that Regulation E only limits reimbursement for losses that occur * * after * * the 60day period. The unauthorized transactions that occurred * * before * * that period are still covered. The bank has refused to reimburse any of the transactions, which does not appear to be consistent with the regulation.\n\nI am requesting the CFPBs assistance to ensure that the bank conducts a proper investigation under Regulation E, restores provisional credit during the investigation, and reimburses the unauthorized transfers. This situation has caused significant financial stress, and I am asking for help in resolving it fairly.","date_sent_to_company":"2026-01-14T15:48:23.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"46205","tags":null,"has_narrative":true,"complaint_id":"18476439","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST FINANCIAL BANCORP","date_received":"2026-01-05T20:05:05.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["The <em>unauthorized</em> <em>transactions</em> that occurred * * before * * that period are still covered. The bank has refused to reimburse any of the <em>transactions</em>, <em>which</em> does not appear to be consistent with the regulation.\n\nI am requesting the CFPBs assistance to ensure that the bank conducts a proper <em>investigation</em> under Regulation E, restores provisional credit during the <em>investigation</em>, and reimburses the <em>unauthorized</em> transfers."]},"sort":[13.879004,"18476439"]},{"_index":"complaint-public-v1","_id":"18361427","_score":13.87521,"_source":{"product":"Prepaid card","complaint_what_happened":"I am filing a complaint against Onbe for improper denial of reimbursement for unauthorized debit card transactions, in violation of * * Regulation E ( 12 CFR Part 1005 ) * *.\n\nThe unauthorized transactions began in XXXX and continued through XX/XX/XXXX, totaling over {$2700.00}. I reported the unauthorized activity by submitting the * * Onbe Declaration of Fraudulent Use form on XX/XX/XXXX, which is within the 60-day notification period of the majority of these transactions required under Regulation E 1005.6 ( b ) based on the first periodic statement reflecting the unauthorized transfers.\n\nDespite timely notice and clear evidence of fraud, Onbe denied my claims. Many of the unauthorized transactions were processed through XXXX and XXXX Eats. I do not have an active XXXX or XXXX XXXX  account, which the merchant can independently confirm. \n\nUnder Regulation E 1005.11, Onbe is required to conduct a reasonable investigation, which includes reviewing merchant data and verifying transaction details with the merchant. Onbe failed to reasonably investigate by denying the claim without confirming with XXXX where and how the transactions occurred. \n\nI am prepared to provide geolocation and device-tracking data demonstrating that I was not present at the locations associated with these transactions and did not authorize them. \n\nOnbes continued refusal to reimburse these unauthorized transactions constitutes non-compliance with federal law. I have retained legal counsel and am seeking CFPB intervention to compel reimbursement and ensure compliance with Regulation E.","date_sent_to_company":"2025-12-30T04:15:21.000Z","issue":"Problem with a purchase or transfer","sub_product":"Payroll card","zip_code":"35007","tags":null,"has_narrative":true,"complaint_id":"18361427","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Newport Intermediate Inc.","date_received":"2025-12-30T04:06:53.000Z","state":"AL","company_public_response":null,"sub_issue":"Charged for a purchase or transfer you did not make with the card"},"highlight":{"complaint_what_happened":["I do not have an active XXXX or XXXX XXXX  account, <em>which</em> the merchant can independently confirm. \n\nUnder Regulation E 1005.11, Onbe is required to conduct a reasonable <em>investigation</em>, <em>which</em> includes reviewing merchant data and verifying transaction details with the merchant. Onbe failed to reasonably <em>investigate</em> by denying the claim without confirming with XXXX where and how the <em>transactions</em> occurred."]},"sort":[13.87521,"18361427"]},{"_index":"complaint-public-v1","_id":"13614295","_score":13.839174,"_source":{"product":"Credit card","complaint_what_happened":"I am writing to formally dispute a series of unauthorized transactions on my account. Upon discovering the activity, I promptly reported it to the financial institution, which initiated an investigation. During the course of that investigation, I was contacted to confirm specific details related to the disputed transactions. I fully cooperated and provided the necessary confirmations, clearly indicating that I did not authorize or conduct these transactions. \n\nDespite my cooperation, the claim was unexpectedly denied without any explanation or further communication from the company. Additionally, it is important to note that my computer had been compromised around the time of these transactions, which I believe directly contributed to the unauthorized access to my account. \n\nI am requesting a thorough and fair review of this matter, as the current resolution does not reflect the facts or my good faith efforts to support the investigation.","date_sent_to_company":"2025-05-20T19:38:18.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"93311","tags":null,"has_narrative":true,"complaint_id":"13614295","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-05-20T19:24:22.000Z","state":"CA","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I am writing to formally dispute a series of <em>unauthorized</em> <em>transactions</em> on my account. Upon discovering the activity, I promptly reported it to the financial institution, <em>which</em> initiated an <em>investigation</em>. During the course of that <em>investigation</em>, I was contacted to confirm specific details related to the disputed <em>transactions</em>. I fully cooperated and provided the necessary confirmations, clearly indicating that I did not authorize or conduct these <em>transactions</em>."]},"sort":[13.839174,"13614295"]},{"_index":"complaint-public-v1","_id":"21443820","_score":13.804592,"_source":{"product":"Checking or savings account","complaint_what_happened":"Complaint against : JPMorgan Chase Bank, N.A.\n\nSubject : Wrongful Denial of Unauthorized Transactions ( XXXX XXXX  I am filing this complaint regarding multiple unauthorized transactions on my Chase account that occurred between XXXX and XX/XX/year>, which Chase has wrongfully denied after investigation. \n\nI did not authorize any of these transactions. \n\nThese charges occurred across multiple months and include activity in locations where I was not present, including transactions in XXXX. This pattern clearly reflects ongoing unauthorized use of my account, not isolated or authorized activity. \n\nI discovered the unauthorized transactions in XX/XX/year> and reported them immediately upon becoming aware. I primarily use XXXX XXXX and do not regularly use or monitor the physical card associated with this account, which contributed to the delayed discovery.\n\nChase denied my claim, stating that the transactions were authorized, but failed to provide any meaningful or sufficient evidence to support this determination.\n\nAt no point has Chase provided : * Proof of card-present authorization * A valid signature match * Device or IP address verification * Any confirmation that I personally approved these transactions The mere fact that transactions were processed does not establish authorization.\n\nAdditionally : * These transactions do not match my normal spending patterns * They occurred in locations where I was not present * I was unaware that my card was being used fraudulently until XXXX * I reported the issue promptly upon discovery The presence of multiple transactions across XXXX, XXXX, and XXXX demonstrates a clear pattern of unauthorized activity that should have been properly investigated.\n\nChases conclusion appears to rely solely on the timing of my report rather than actual evidence of authorization, which is not a valid basis for denial. Chase has indicated that my account may be closed due to the number of disputes filed. These disputes are related to legitimate unauthorized transactions, and I am being penalized for reporting fraud on my account.\n\nClosing my account under these circumstances raises serious concerns, as I am acting in good faith to report unauthorized activity and protect my finances.\n\nI am requesting that my account not be unfairly restricted or closed while this matter is under proper investigation.","date_sent_to_company":"2026-04-21T16:17:14.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"35209","tags":null,"has_narrative":true,"complaint_id":"21443820","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-04-21T16:06:37.000Z","state":"AL","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Subject : Wrongful Denial of <em>Unauthorized</em> <em>Transactions</em> ( XXXX XXXX  I am filing this complaint regarding multiple <em>unauthorized</em> <em>transactions</em> on my Chase account that occurred between XXXX and XX/XX/year>, <em>which</em> Chase has wrongfully denied after <em>investigation</em>. \n\nI did not authorize any of these <em>transactions</em>. \n\nThese charges occurred across multiple months and include activity in locations where I was not present, including <em>transactions</em> in XXXX."]},"sort":[13.804592,"21443820"]},{"_index":"complaint-public-v1","_id":"21941851","_score":13.751573,"_source":{"product":"Checking or savings account","complaint_what_happened":"I discovered unauthorized transactions on my checking account and reported them to Wells Fargo as soon as I became aware of them. I filed fraud claims with the bank, which were assigned Claim # XXXX and Claim # XXXX. \n\nAfter reporting the transactions and requesting reimbursement, Wells Fargo completed an investigation and denied the claims. I did not authorize these transactions and believe the denial was incorrect. I requested additional information about how the bank determined that the transactions were authorized and asked that the claims be reinvestigated. \n\nAs of now, the issue remains unresolved and the unauthorized transactions have not been reimbursed. I believe my account should be credited for these fraudulent transactions and that the bank should provide a clear explanation of the investigation and decision.","date_sent_to_company":"2026-05-06T18:05:56.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"290XX","tags":null,"has_narrative":true,"complaint_id":"21941851","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-05-06T17:43:27.000Z","state":"SC","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 <em>unauthorized</em> <em>transactions</em> on my checking account and reported them to Wells Fargo as soon as I became aware of them. I filed fraud claims with the bank, <em>which</em> were assigned Claim # XXXX and Claim # XXXX. \n\nAfter reporting the <em>transactions</em> and requesting reimbursement, Wells Fargo completed an <em>investigation</em> and denied the claims. I did not authorize these <em>transactions</em> and believe the denial was incorrect."]},"sort":[13.751573,"21941851"]},{"_index":"complaint-public-v1","_id":"12698296","_score":13.718984,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear Cash App Customer Support, I am writing you as an aggrieved, indigent man to formally dispute several unauthorized transactions that were made from my Cash App account without my permission or knowledge. These transactions occurred from XX/XX/XXXX until XX/XX/XXXX and involved the transfer of funds to XXXX XXXX aka $ XXXX. The total amount of these fraudulent transactions is {$20000.00} I request an immediate investigation and resolution of this matter. \n\nUnder the Electronic Fund Transfer Act ( EFTA ), which requires financial institutions and mobile payment platforms like Cash App to investigate and resolve disputes regarding unauthorized transactions. Additionally, California state law mandates that companies must employ robust security measures to protect consumers from fraud and unauthorized transactions. \n\nFurthermore, as a resident of New Jersey, I am entitled to protection under the state 's anti-money laundering laws, which are designed to safeguard the financial system from illicit activities. The XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX has recently taken action against Block , Inc., for violations of these laws, emphasizing the importance of thorough investigations and consumer protection. \n\nUnder constitutional law, I have the right to privacy and protection against unauthorized access to my financial information. The Fourth Amendment of the United States Constitution protects individuals from unreasonable searches and seizures, which extends to unauthorized access and transactions involving personal financial accounts. Additionally, the XXXX XXXX Constitution provides citizens with a reasonable expectation of privacy in their bank records, as affirmed by the Supreme Court XXXX New Jersey. \n\n\nPotential Legal Actions : If Cash App fails to resolve this dispute promptly, I may consider pursuing legal action. Under California law, I have the option to file a small claims lawsuit for the unauthorized transactions. Small claims court handles disputes up to {$10000.00}, making it a suitable venue for addressing this issue. Additionally, I may explore the possibility of a civil lawsuit against Cash App for not adequately investigating the dispute and failing to protect my financial information.\n\nMoreover, there have been class action settlements involving Cash App users who have encountered issues such as unauthorized withdrawals and exposed personal data. These settlements have resulted in compensation for affected users. If necessary, I may join or initiate a similar class action lawsuit to seek redress for the unauthorized transactions and any related damages.","date_sent_to_company":"2025-03-27T16:11:27.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"08043","tags":null,"has_narrative":true,"complaint_id":"12698296","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-03-27T16:07:46.000Z","state":"NJ","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Under the Electronic Fund Transfer Act ( EFTA ), <em>which</em> requires financial institutions and mobile payment platforms like Cash App to <em>investigate</em> and resolve disputes regarding <em>unauthorized</em> <em>transactions</em>. Additionally, California state law mandates that companies must employ robust security measures to protect consumers from fraud and <em>unauthorized</em> <em>transactions</em>."]},"sort":[13.718984,"12698296"]},{"_index":"complaint-public-v1","_id":"10655201","_score":13.697285,"_source":{"product":"Checking or savings account","complaint_what_happened":"I contacted credit karma several times via telephone and email regarding several unauthorized transactions on my account they claimed that they were investigating and that they would send me and email regarding the disputes for the unauthorized transactions I called back several more times and no email was ever sent and credit karma never investigated any of the unauthorized charges instead they unlawfully removed all evidence of the unauthorized transactions from my statements mind you I have the originals of each unauthorized transaction I reported the unauthorized transactions amount to over {$2000.00} I attempted several times to get my money back from these unauthorized transactions I notified credit karma several times that there was a police report and clear documentation of the fraud and they never investigated or followed up they have done everything in their power to allow the fraud and continue to allow more unauthorized transactions on my account they are costing me thousands of dollars in damages and refusing to report the fraudulent transactions. I called several times in regards to disputes filed on my account that credit karma never filed and never completed even after I was told that they would begin the investigation I contacted credit karma on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I also emailed credit karma in regards to the same ongoing not addressed disputes on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These disputes need to be processed immediately all of them were unauthorized transactions reported several times to credit karma and to date have not been investigated in anyway shape or form in direct violation of my consumer and banking rights. XX/XX/XXXX I spoke with XXXX a supervisor with credit karma who refused to help. Credit karma case number XXXX The unauthorized charges amount to over {$2000.00} + and there is a police report which I attempted several times to provide credit karma. Also credit karma intentionally and illegally doctored my bank statements in attempt to remove evidence of these illegal unauthorized transactions I have the original statements and credit karma intentionally assisted the theft of over {$2000.00} of my assets. \nInstead of actually investigating credit karma has yet again committed fraud by failing to properly investigate and causing financial damages to my account even with several legal items providing proof that they failed to utilize during the investigation. The company has also since illegally hid and removed evidence of the transactions from my account rather than investigate it I have the originals of all of the illegal transactions and have sent them to the company several times now and yet they have still failed to investigate and resolve the me matter let alone provide any evidence as to why they have fraudulently tampered with my account and his legal documents regarding to the fraudulent trans they have chosen to not investigate to date.","date_sent_to_company":"2024-11-01T12:53:36.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"91950","tags":null,"has_narrative":true,"complaint_id":"10655201","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Credit Karma, LLC","date_received":"2024-11-01T12:10:22.000Z","state":"CA","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["I contacted credit karma several times via telephone and email regarding several <em>unauthorized</em> <em>transactions</em> on my account they claimed that they were <em>investigating</em> and that they would send me and email regarding the disputes for the <em>unauthorized</em> <em>transactions</em> I called back several more times and no email was ever sent and credit karma never <em>investigated</em> any of the <em>unauthorized</em> charges instead they unlawfully removed all evidence of the <em>unauthorized</em> <em>transactions</em> from my statements mind you I have the"]},"sort":[13.697285,"10655201"]},{"_index":"complaint-public-v1","_id":"18835406","_score":13.678328,"_source":{"product":"Prepaid card","complaint_what_happened":"I am filing this complaint against Foris Inc., XXXX XXXXXXXX for the XXXX XXXXXXXX XXXX XXXX, for failure to properly investigate unauthorized electronic fund transfers and for improperly conditioning an investigation on the submission of a police report, which is not required by law. \n\nI reported multiple unauthorized transactions on my XXXX XXXXXXXX XXXX card. These transactions were not made by me, not authorized by me, and not made by anyone to whom I gave permission. I did not benefit from these transactions in any way. \n\nUnder the XXXX XXXX XXXX  Cardholder Agreement, Sections XXXX and XXXX ( Lost or Stolen Cards/ Unauthorized Transfers ), the agreement clearly states that a transaction is unauthorized if : It was not initiated by the cardholder, The cardholder did not give permission, and The cardholder did not benefit from the transaction. \n\nI timely notified XXXX  XXXX Foris Inc. of the unauthorized transactions as required. The Cardholder Agreement states that once notice is given, the cardholders liability is limited and that unauthorized transactions must be addressed under the agreement and XXXX XXXX XXXX XXXX. \n\nDespite this, XXXX has refused to properly investigate the unauthorized transactions unless I submit a police report. This requirement is not stated anywhere in the Cardholder Agreement and is not required under federal law.\n\nRegulatory Violations XXXX  / Foris Inc.s actions violate the following : 1. Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693f Financial institutions are required to : Promptly investigate reported errors and unauthorized electronic fund transfers Complete an investigation within required timeframes Not impose unreasonable conditions that delay or prevent investigation There is no requirement under EFTA or Regulation E that a consumer must file or provide a police report as a condition to initiating or completing an investigation.\n\n2. Regulation E 12 CFR 1005.11 Regulation E requires a good-faith investigation upon notice of unauthorized transactions. Conditioning the investigation on a police report is an unlawful barrier and constitutes a failure to comply with required error-resolution procedures. \n\nXXXX. XXXX Zero Liability Policy ( U.S.-issued cards ) The Cardholder Agreement incorporates Visas Zero Liability protections. XXXX refusal to investigate contradicts the protections advertised and contractually incorporated into the card agreement. \n\nProof Provided I have : Transaction records clearly showing the disputed charges Timely notice to XXXX Evidence that the transactions do not match my spending behavior Proof that I did not authorize or benefit from these transactions Requested Resolution I am requesting that the CFPB require XXXX XXXX Foris Inc. to : Immediately conduct a full investigation of the unauthorized transactions as required by EFTA and Regulation E Remove the unlawful requirement of a police report as a precondition to investigation Provisionally credit and/or permanently reimburse the unauthorized charges and any related fees Provide written confirmation of compliance with federal law and the Cardholder Agreement XXXX refusal to investigate without a police report is contrary to federal consumer protection law, their own Cardholder Agreement, and XXXX XXXX Liability standards.","date_sent_to_company":"2026-01-19T19:01:12.000Z","issue":"Problem with a purchase or transfer","sub_product":"Government benefit card","zip_code":"32901","tags":null,"has_narrative":true,"complaint_id":"18835406","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Foris DAX, Inc.","date_received":"2026-01-19T18:55:06.000Z","state":"FL","company_public_response":null,"sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["I am filing this complaint against Foris Inc., XXXX XXXXXXXX for the XXXX XXXXXXXX XXXX XXXX, for failure to properly <em>investigate</em> <em>unauthorized</em> electronic fund transfers and for improperly conditioning an <em>investigation</em> on the submission of a police report, <em>which</em> is not required by law. \n\nI reported multiple <em>unauthorized</em> <em>transactions</em> on my XXXX XXXXXXXX XXXX card. These <em>transactions</em> were not made by me, not authorized by me, and not made by anyone to whom I gave permission."]},"sort":[13.678328,"18835406"]},{"_index":"complaint-public-v1","_id":"19344777","_score":13.670274,"_source":{"product":"Prepaid card","complaint_what_happened":"I am filing this complaint regarding unauthorized debit card transactions on my Chime account for XXXX were improperly I reported fraud after 11 transactions occurred starting from XXXX in the morning I reported my card as compromised immediately after noticing unauthorized charges. I do not use my card in the manner or frequency in which these transactions occurred. After reporting the fraud, I froze and shut off the card. Despite this, there have been continued attempted transactions, which I have documented and submitted to Chime. These continued attempts after cancellation clearly demonstrate unauthorized use.\n\nChime has repeatedly declined my dispute without providing a sufficient explanation or evidence of a proper investigation, as required under Regulation E. I have provided all\ndocumentation available that I had which was screenshots of attempted charges after the card was shut off different dates and times after card was cut off I am requesting that Chime conduct a full and fair investigation, provide written justification for the denial, and credit my account for the unauthorized transactions. I believe Chime failed to meet its obligations under federal consumer protection laws regarding electronic fund transfers. \nTheseI am requesting CFPB assistance to ensure Chime complies with Regulation E and resolves this matter appropriately.","date_sent_to_company":"2026-02-09T02:56:23.000Z","issue":"Unexpected or other fees","sub_product":"General-purpose prepaid card","zip_code":"10550","tags":null,"has_narrative":true,"complaint_id":"19344777","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2026-02-09T02:28:35.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am filing this complaint regarding <em>unauthorized</em> debit card <em>transactions</em> on my Chime account for XXXX were improperly I reported fraud after 11 <em>transactions</em> occurred starting from XXXX in the morning I reported my card as compromised immediately after noticing <em>unauthorized</em> charges. I do not use my card in the manner or frequency in <em>which</em> these <em>transactions</em> occurred. After reporting the fraud, I froze and shut off the card."]},"sort":[13.670274,"19344777"]},{"_index":"complaint-public-v1","_id":"11609252","_score":13.667091,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Block employed weak security protocols for my Cash App account and put me at risk for unauthorized transactions and access to my account. Once I contacted support there was nothing done which left me in a financial bind. Block is required by law to investigate and resolve disputes about unauthorized transactions, the companys investigations were woefully incomplete. According to the CFPB report Block directed users who had suffered financial losses as a result of fraud to ask their bank to attempt to reverse transactions, which Block would subsequently deny. Block also deployed a range of tactics to suppress Cash App users from seeking help, reducing its own costs.","date_sent_to_company":"2025-01-21T01:48:41.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"48021","tags":null,"has_narrative":true,"complaint_id":"11609252","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-01-21T01:42:16.000Z","state":"MI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Block employed weak security protocols for my Cash App account and put me at risk for <em>unauthorized</em> <em>transactions</em> and access to my account. Once I contacted support there was nothing done <em>which</em> left me in a financial bind. Block is required by law to <em>investigate</em> and resolve disputes about <em>unauthorized</em> <em>transactions</em>, the companys <em>investigations</em> were woefully incomplete."]},"sort":[13.667091,"11609252"]},{"_index":"complaint-public-v1","_id":"20776434","_score":13.660298,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am submitting this complaint regarding XXXX handling of multiple unauthorized transactions on my XXXX  debit card. \nI identified several transactions on my account that I did not authorize and promptly reported them to XXXX. Despite my report, XXXX  denied my dispute, stating that the charges were considered valid because I have previously conducted transactions with the same merchant ( s ). This reasoning is fundamentally flawed and does not meet the standards required for a proper investigation into unauthorized electronic fund transfers. \nThe fact that I have used a merchant in the past does not establish that I authorized these specific transactions. XXXX  failed to conduct a reasonable investigation into whether these transactions were actually authorized by me. Instead, they relied on prior account activity, which is not a valid basis for determining authorization. \nAt all relevant times : I did not authorize these transactions. \nI did not share my card, PIN, or account access with any third party. \nThere is no legitimate basis to conclude that these transactions were authorized. \nXXXX  has not provided any meaningful evidence demonstrating that I authorized these charges. They have also failed to clearly explain what steps were taken in their investigation or how they determined the transactions were valid. \nUnder federal consumer protection laws governing electronic fund transfers, financial institutions are required to conduct a reasonable investigation when unauthorized transactions are reported. Simply relying on past merchant usage does not meet this obligation. \nXXXX  handling of my dispute appears to fall short of these requirements. Their response suggests that they did not adequately investigate my claim and instead issued a blanket denial without properly evaluating the facts. \nI am requesting the following : A full and proper reinvestigation of all disputed transactions. \nA detailed written explanation of the investigative steps taken and the basis for their determination. \nImmediate reimbursement for all unauthorized transactions if XXXX  can not demonstrate that the transactions were authorized. \nConfirmation that my account has been secured to prevent further unauthorized activity.","date_sent_to_company":"2026-03-30T17:18:59.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"53051","tags":null,"has_narrative":true,"complaint_id":"20776434","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-03-30T17:12:45.000Z","state":"WI","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["This reasoning is fundamentally flawed and does not meet the standards required for a proper <em>investigation</em> into <em>unauthorized</em> electronic fund transfers. \nThe fact that I have used a merchant in the past does not establish that I authorized these specific <em>transactions</em>. XXXX  failed to conduct a reasonable <em>investigation</em> into whether these <em>transactions</em> were actually authorized by me. Instead, they relied on prior account activity, <em>which</em> is not a valid basis for determining authorization."]},"sort":[13.660298,"20776434"]},{"_index":"complaint-public-v1","_id":"11159554","_score":13.652383,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/2024, I opened Case XXXX with Paypal to report unauthorized transactions on my Paypal account. All transactions identified in Case XXXX occurred in the past 40 days. It is important to note that I have two Paypal accounts and they have both been compromised. Both of my Paypal accounts show a long history of unauthorized transactions which I have tried to identify and report to Paypal also on XX/XX/2024. Although I opened two other Cases to report the older unauthorized transactions to Paypal, I understand that they are not obligated to investigate unauthorized transactions that appear on statements issued 60 days or more from the date of the reporting.\n\nPaypal claims that all transactions on my accounts have been authorized, the ones that have occurred in the past 40 days and the older transactions. They have not requested any information from me and refuse to budge from their claim.\n\nI have told Paypal multiple times that I have not made the transactions ; that I have not allowed anyone to make them on my behalf ; that I did not give anybody my login information or access to my accounts, and that the transactions must have been done fraudulently.\n\nPaypal has not asked me to provide any information. They closed XXXX XXXX on the same day that I reported the issue and just keep parroting that they have found no evidence of unauthorized use or access of my Paypal account and that the transactions from Case XXXX are consistent with the history of transactions on the same Paypal account. Anytime I bring up the issue of fraud, they completely gloss over it and just repeat the same lines about having found no evidence of unauthorized use or access of my Paypal account.\n\nPaypal clearly does not want to seriously investigate the possibility of fraud. At the same time, they also restricted my accounts after I reported the unauthorized transactions. It has been more than 10 days since I reported the unauthorized transactions to Paypal, they have refused to investigate the fraud on my accounts and they seem to have also refused to refund me.","date_sent_to_company":"2024-12-14T10:41:15.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"20147","tags":null,"has_narrative":true,"complaint_id":"11159554","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2024-12-14T09:54:55.000Z","state":"VA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Paypal clearly does not want to seriously <em>investigate</em> the possibility of fraud. At the same time, they also restricted my accounts after I reported the <em>unauthorized</em> <em>transactions</em>. It has been more than 10 days since I reported the <em>unauthorized</em> <em>transactions</em> to Paypal, they have refused to <em>investigate</em> the fraud on my accounts and they seem to have also refused to refund me."],"issue":["<em>Unauthorized</em> <em>transactions</em> or other transaction problem"]},"sort":[13.652383,"11159554"]},{"_index":"complaint-public-v1","_id":"21397955","_score":13.64343,"_source":{"product":"Checking or savings account","complaint_what_happened":"Company : SoFi Bank, XXXX. \nProduct : Checking / Debit Card Issue : Unauthorized transactions/ Regulation E dispute Complaint : I am filing a complaint regarding SoFis handling of my unauthorized transaction dispute involving multiple XXXX XXXX transfers to an individual identified as XXXX XXXX. \n\nThese transactions occurred over a short period and clearly stem from a single unauthorized access event. I did not authorize these transfers, did not benefit from them, and reported the issue promptly upon discovery. \n\nSoFi denied the majority of the disputed transactions while approving one transaction automatically based on internal system thresholds. This demonstrates inconsistent handling of transactions that arose from the same event, which raises concerns about compliance with Regulation E ( 12 CFR 1005.11 ).\n\nIn their denial, SoFi relied on the following reasoning : - The transactions were authenticated using a passcode and/or biometric verification - The transactions were consistent with prior account activity - The account and merchant had been used previously - A funds load occurred prior to the transactions However, these points do not establish that I authorized the transactions. If my device or credentials were compromised, authentication methods such as biometrics or passcodes do not prove authorization. Additionally, similarity to prior activity is not a valid basis to deny a claim under Regulation E when unauthorized access is reported.\n\nSoFi also failed to provide a meaningful explanation of their investigation. Their response does not indicate whether they reviewed : - Device access logs - IP address or geolocation data - Merchant authentication records- XXXX XXXX transaction verification data Instead, they provided only generalized conclusions without describing the investigative steps taken, which does not meet Regulation Es requirement for a reasonable, good-faith investigation. \n\nI am requesting that : 1. SoFi reopen and reinvestigate all disputed transactions collectively as part of a single unauthorized event 2. SoFi provide a detailed explanation of the investigative steps taken for each transaction 3. Any improperly denied transactions be reimbursed in accordance with Regulation E I am seeking a fair and compliant resolution to this matter.\n\nDesired Resolution : Reversal of all unauthorized transactions and confirmation of a compliant Regulation E investigation.","date_sent_to_company":"2026-04-20T14:10:06.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"735XX","tags":"Servicemember","has_narrative":true,"complaint_id":"21397955","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SOFI TECHNOLOGIES, INC.","date_received":"2026-04-20T14:01:00.000Z","state":"OK","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["SoFi reopen and reinvestigate all disputed <em>transactions</em> collectively as part of a single <em>unauthorized</em> event 2. SoFi provide a detailed explanation of the <em>investigative</em> steps taken for each transaction 3. Any improperly denied <em>transactions</em> be reimbursed in accordance with Regulation E I am seeking a fair and compliant resolution to this matter.\n\nDesired Resolution : Reversal of all <em>unauthorized</em> <em>transactions</em> and confirmation of a compliant Regulation E <em>investigation</em>."]},"sort":[13.64343,"21397955"]},{"_index":"complaint-public-v1","_id":"7769013","_score":13.629929,"_source":{"product":"Checking or savings account","complaint_what_happened":"Chime is not reimbursing my funds for 2 disputes. Dispute XXXX XXXXXXXX which were fraudulent transactions and unauthorized withdrawals in the amount of {$410.00} also dispute XXXX XXXXXXXX in the amount of {$220.00} for unauthorized transactions and fraudulent withdrawals as well. Please investigate and reimburse my funds that we're not authorized.","date_sent_to_company":"2023-10-27T16:34:59.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"53209","tags":null,"has_narrative":true,"complaint_id":"7769013","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2023-10-27T16:23:57.000Z","state":"WI","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Dispute XXXX XXXXXXXX <em>which</em> were fraudulent <em>transactions</em> and <em>unauthorized</em> withdrawals in the amount of {$410.00} also dispute XXXX XXXXXXXX in the amount of {$220.00} for <em>unauthorized</em> <em>transactions</em> and fraudulent withdrawals as well. Please <em>investigate</em> and reimburse my funds that we're not authorized."]},"sort":[13.629929,"7769013"]},{"_index":"complaint-public-v1","_id":"20094146","_score":13.593803,"_source":{"product":"Checking or savings account","complaint_what_happened":"CFPB Complaint Unauthorized Transactions / Failure to Investigate Company : PayPal Product : Money transfer / digital wallet Issue : Unauthorized transactions and failure to conduct a reasonable investigation Complaint : I am filing this complaint against PayPal regarding unauthorized transactions totaling approximately {$2400.00} that occurred on my account between XX/XX/XXXX through XX/XX/XXXX, shortly after my phone was stolen. \n\nBecause my phone had been stolen, I no longer had possession or control of my device at the time these transactions occurred. I promptly notified PayPal that my phone had been stolen and that the transactions were unauthorized. \n\nThe transactions were sent to XXXX under the name XXXX XXXX, which is not my name and is not associated with me in any way. \n\nDespite reporting that my phone had been stolen and that these transfers were unauthorized, PayPal failed to conduct a reasonable and thorough investigation into my claim. I was later informed that my claim was denied because PayPal determined that the transactions were not processed or not completed. \n\nHowever, this determination does not make sense because approximately {$2400.00} clearly left my account, and my account balance was reduced accordingly. PayPal has not provided any clear explanation, documentation, or evidence showing how this conclusion was reached. \n\nAdditionally, PayPal provided conflicting and misleading information during the dispute process, initially indicating that my case had been resolved and later stating that my entire claim had been denied. \n\nI believe PayPal failed to properly investigate my fraud report and did not reasonably consider the critical fact that my phone had been stolen before the transactions occurred. \n\nFinancial institutions and payment processors handling consumer funds are expected to conduct * * reasonable investigations of unauthorized electronic transactions under the Electronic Fund Transfer Act and Regulation E. In this case, PayPal appears to have denied my claim without conducting a meaningful investigation or adequately reviewing the circumstances surrounding the unauthorized transfers.","date_sent_to_company":"2026-03-09T16:07:50.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"10030","tags":null,"has_narrative":true,"complaint_id":"20094146","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-03-09T15:49:16.000Z","state":"NY","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["CFPB Complaint <em>Unauthorized</em> <em>Transactions</em> / Failure to <em>Investigate</em> Company : PayPal Product : Money transfer / digital wallet Issue : <em>Unauthorized</em> <em>transactions</em> and failure to conduct a reasonable <em>investigation</em> Complaint : I am filing this complaint against PayPal regarding <em>unauthorized</em> <em>transactions</em> totaling approximately {$2400.00} that occurred on my account between XX/XX/XXXX through XX/XX/XXXX, shortly after my phone was stolen."]},"sort":[13.593803,"20094146"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":7625,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":7625}]}},"product":{"doc_count":7625,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":2497,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":2292},{"key":"Other banking product or service","doc_count":113},{"key":"Savings account","doc_count":88},{"key":"CD (Certificate of Deposit)","doc_count":4}]}},{"key":"Credit reporting or other personal consumer 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