{"took":202,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":146,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6647809","_score":18.336061,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"A recently deleted account was illegally restored to my TransUnion and XXXX credit file. I have challenged this debt to both credit bureaus with supporting documents. XXXX has taken responsibility for their inaccurate reports. However, TransUnion conducted a 4-day investigation. A thorough investigation will take approximately 30 days to determine the validity of the account. According to a representative of TransUnion, this led to an investigation. That takes a long time. The credit agency would undergo correspondence with the collection agency and the original creditor, to gather supporting documents. So, I don't think there ever was an investigation. On XX/XX/2022, I sent another letter to TransUnion asking how the account was verified and what documents or contracts were used to consider this account verified. I received a letter from TransUnion that said, \" I don't understand the nature of this letter. '' Standoff tactics. I will attach the XXXX and TransUnion reports. Which contains several inaccuracies and inconsistencies. \" Supposedly '' this account was verified, I don't know how. If so, where's the evidence proving this account as valid.","date_sent_to_company":"2023-03-04T20:18:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75211","tags":null,"has_narrative":true,"complaint_id":"6647809","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-03-04T19:49:50.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["A recently deleted <em>account</em> was illegally restored to my TransUnion and XXXX credit file. I have challenged this debt to both credit bureaus with supporting documents. XXXX has taken responsibility for their inaccurate reports. However, TransUnion conducted a 4-day <em>investigation</em>. A thorough <em>investigation</em> will <em>take</em> <em>approximately</em> 30 <em>days</em> to determine the <em>validity</em> of the <em>account</em>. According to a representative of TransUnion, this led to an <em>investigation</em>. That <em>takes</em> a long time."]},"sort":[18.336061,"6647809"]},{"_index":"complaint-public-v1","_id":"18431992","_score":15.19051,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XXXX  XXXX, 2025, Relay Financial closed my business checking accounts without prior notice. In the same communication, Relay stated that any remaining balances would be returned after completion of an investigation, which could take up to 45 days. \n\nAt the time of closure, Relay Financial was holding approximately {$630.00} in combined account balances. After the accounts were closed, I repeatedly requested confirmation of the specific reason for closure, a final accounting of the funds, and confirmation of when and how the remaining balances would be returned. \n\nRelay Financial did not provide a specific reason for the closure and did not return the funds within the stated 45-day timeframe. The 45-day period expired in early XXXX 2026. \n\nOn XXXX XXXX, 2026, I sent a formal written demand requesting immediate release of the remaining balances. As of the date of this complaint, XXXXelay Financial has not returned the funds and has not provided a valid explanation for the continued withholding. \n\nI believe Relay Financial is improperly retaining customer funds after account closure and failing to follow its own stated timeline for returning balances.","date_sent_to_company":"2026-02-12T17:23:15.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"85338","tags":null,"has_narrative":true,"complaint_id":"18431992","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Relay Financial (US), Corp.","date_received":"2026-01-02T22:11:28.000Z","state":"AZ","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["On XXXX  XXXX, 2025, Relay Financial closed my business checking <em>accounts</em> without prior notice. In the same communication, Relay stated that any remaining balances would be returned after completion of an <em>investigation</em>, which could <em>take</em> up to 45 <em>days</em>. \n\nAt the time of closure, Relay Financial was holding <em>approximately</em> {$630.00} in combined <em>account</em> balances."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[15.19051,"18431992"]},{"_index":"complaint-public-v1","_id":"20687837","_score":14.387566,"_source":{"product":"Credit card","complaint_what_happened":"My self and my wife XXXX XXXX, arefiling this complaint against Synchrony Bank for its failure to properly investigate and respond to my billing dispute concerning my XXXX XXXX Rewards Credit Card, as well as the resulting financial harm caused by retroactive deferred interest and excessive interest charges. \n\nThis matter originated from a dispute involving XXXX related to charges on my account. I initially filed a complaint on XX/XX/year>. In its formal response, XXXX clearly stated that it is not responsible for the credit account and that the account is serviced and managed by Synchrony Bank. XXXX explicitly directed that Synchrony Bank is the entity responsible for handling and responding to billing disputes. \n\nFollowing that direction, I submitted a written billing dispute to Synchrony Bank on XX/XX/year>. Accordingly, responsibility for resolving this matter rests with Synchrony Bank. \n\nMore than 30 days have passed since my dispute was submitted to Synchrony Bank, and I have received no response addressing the disputed charges. The XXXX XXXX XXXX XXXX XXXX XXXX confirmed that Synchrony Bank failed to respond to the complaint and officially closed the case as UNANSWERED, further demonstrating a complete lack of response and engagement from the bank. \n\nInstead of responding to the dispute, Synchrony Bank has continued sending automated collection and payment-plan emails, which do not constitute a valid investigation or formal response under federal consumer protection laws. \n\nThe disputed charges remain unresolved and continue to adversely affect my account. \n\nIn addition, this situation has resulted in significant financial harm. Although I made consistent payments over nearly two years, Synchrony Bank applied retroactive deferred-interest charges and continues to apply a high APR ( approximately 28.99 % ), causing my balance to increase substantially despite ongoing payments. \n\nMy billing statements indicate that making only the required minimum payment would take approximately 19 years to repay the balance, with total payments exceeding {$47000.00} on an original balance of approximately {$5000.00}. This represents a disproportionate and harmful financial outcome. \n\nI am not seeking to avoid payment. I am requesting that Synchrony Bank be required to : Conduct a proper and documented investigation Provide a substantive written response addressing each disputed item Correct any inaccurate charges or reporting Remove or substantially reduce retroactive deferred-interest charges Review and adjust the excessive interest applied to the account Confirm the account status in writing I also request that Synchrony Bank cease treating collection communications as a substitute for a formal dispute response.","date_sent_to_company":"2026-03-26T18:47:10.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"38138","tags":null,"has_narrative":true,"complaint_id":"20687837","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2026-03-26T18:12:18.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Instead of responding to the dispute, Synchrony Bank has continued sending automated collection and payment-plan emails, which do not constitute a <em>valid</em> <em>investigation</em> or formal response under federal consumer protection laws. \n\nThe disputed charges remain unresolved and continue to adversely affect my <em>account</em>. \n\nIn addition, this situation has resulted in significant financial harm."]},"sort":[14.387566,"20687837"]},{"_index":"complaint-public-v1","_id":"13034297","_score":14.207559,"_source":{"product":"Prepaid card","complaint_what_happened":"On XX/XX/year> at approximately XXXX XXXX. a transaction was done at a XXXX and XXXX XXXX XXXX. The company the debit company skylight I notified them the next day I had noticed on my app that the transaction was taken place they have done an investigation and told me that it was a valid transaction how could it be a valid transaction when I live in XXXX Florida I am looking to resolve this transaction and to get my money back the amount was {$1000.00} on that day I was paid at XXXX and the money was taken out at XXXXXXXX XXXX. I did not receive a notification of the transaction all transactions on my phone any transactions that would made I would receive on my phone I did not receive a transaction of {$1000.00} on my phone I received the deposit from my company of my pay and the last transaction I had was at XXXX I had received a email somebody was trying to use my debit card or my debit number at a steakhouse I denied it I checked on my app and saw that somebody had shopped at Target and spent {$1000.00} of my money skylight does not want to credit my account for that amount I still have not received the dispute they told me 7 to 10 days so now almost a month later I am out {$1000.00} because somebody decided to use my numbers from my debit card and take two weeks of my pay I am a XXXX  XXXX XXXX XXXX working trying to get by and somebody steals my money and a debit company will not credit my account","date_sent_to_company":"2025-04-17T21:43:29.000Z","issue":"Unexpected or other fees","sub_product":"Payroll card","zip_code":"33764","tags":"Older American","has_narrative":true,"complaint_id":"13034297","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Netspend Corporation","date_received":"2025-04-17T21:23:52.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["for that amount I still have not received the dispute they told me 7 to 10 <em>days</em> so now almost a month later I am out {$1000.00} because somebody decided to use my numbers from my debit card and <em>take</em> two weeks of my pay I am a XXXX  XXXX XXXX XXXX working trying to get by and somebody steals my money and a debit company will not credit my <em>account</em>"]},"sort":[14.207559,"13034297"]},{"_index":"complaint-public-v1","_id":"1908544","_score":14.13353,"_source":{"product":"Bank account or service","complaint_what_happened":"On XXXX XXXX 2016 I noticed XXXX transactions related to my \" Fidelity '' checking that I did not make. The XXXX transactions totaled approximately {$970.00}. I contacted \" Fidelity '' and they cancelled my debit card and issued a new one the customer service representative said it would be turned over to their fraud department for investigation. I was advised it would take 10-15 days and a letter would be sent out. I received the letter advising me they determined the charges were valid and were denying my claim. This is XXXX! I was no where near where these charges were made. I 've called the card services number XXXX ext XXXX XXXX ) and my phone calls have gone unanswered. I called the fidelity service and was told that they would have someone call me. The XXXX charges that were processed and that I am disputing areas follows : XXXX # XXXX XXXX, CO {$860.00} XXXX XXXX # XXXX XXXX, Co. {$96.00} XXXX XXXX XXXX # XXXX XXXX, Co {$18.00} XXXX # XXXX ( XXXX ) XXXX, Co {$3.00} I noticed these on my account on XX/XX/XXXX and contacted \" Fidelity '' the same day. I do n't just have {$970.00} laying around to pay bills and not sure what their investigation revealed or how they could determine these were valid charges. Their not valid charges and I did n't make them. I 've been trying to contact them so I know what their investigation found. For instance what was the date and time of the transactions, what was purchased at XXXX that cost {$860.00}, what did I purchase at XXXX XXXX for {$3.00} is this for real? Not to mention the XXXX {$96.00}. Then the charge for the XXXX in XXXX, CO for {$18.00} since I 've never eaten at XXXX. Let 's just say I 'm XXXX with Fidelity and will be moving all of my accounts to another financial institution. In the meantime I need to recover the {$970.00} to pay bills.","date_sent_to_company":"2016-06-06T12:38:10.000Z","issue":"Using a debit or ATM card","sub_product":"Checking account","zip_code":"805XX","tags":null,"has_narrative":true,"complaint_id":"1908544","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF NEW YORK MELLON CORPORATION, THE","date_received":"2016-05-03T16:30:39.000Z","state":"CO","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The XXXX transactions totaled <em>approximately</em> {$970.00}. I contacted \" Fidelity '' and they cancelled my debit card and issued a new one the customer service representative said it would be turned over to their fraud department for <em>investigation</em>. I was advised it would <em>take</em> 10-15 <em>days</em> and a letter would be sent out. I received the letter advising me they determined the charges were <em>valid</em> and were denying my claim. This is XXXX! I was no where near where these charges were made."],"product":["Bank <em>account</em> or service"],"sub_product":["Checking <em>account</em>"]},"sort":[14.13353,"1908544"]},{"_index":"complaint-public-v1","_id":"6604443","_score":13.621788,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX I submitted a letter from XXXX XXXX XXXX to Experian stating the following : RE : Paid in Full on Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Dear XXXX XXXX. XXXX XXXX XXXX : This letter is written confirmation that the above referenced account was paid in full and closed on XX/XX/XXXX. We are in the process of updating this data with the credit reporting agencies which will take approximately 45 to 60 days. \nWe value your membership and ifwe can be offurther assistance to you please call us at XXXX or XXXX exlension XXXX, Monday lhrough Saturday XXXXXXXX XXXX. lo XXXX. \nSincerely, XXXX XXXX XXXXXXXX XXXX XXXX A charge of effecting my report negatively has continued to remain on my credit report since this time and Ive submitted numerous disputes since then. This morning after submitting a complaint through CFPB about this matter, I received yet another dispute response from Experian informing me that the charge off remains as investigation info from XXXX states the info is valid. I just spoke with XXXX and confirmed that they have not provided any such information to Experian and there is NO INFORMATION that indicates I have a charge off or negative account with their institution and will be sending yet another letter for my records. \n\nTHIS IS ILLEGAL TO CONTINUE HINDERING AND HURTING MY CREDIT BY NOT PROPERLY REPORTING ACCURATE INFORMATION!!! My score has dropped a great amount due to this issue!!","date_sent_to_company":"2023-02-22T16:04:21.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32309","tags":null,"has_narrative":true,"complaint_id":"6604443","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-02-22T15:48:56.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX I submitted a letter from XXXX XXXX XXXX to Experian stating the following : RE : Paid in Full on <em>Account</em> Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Dear XXXX XXXX. XXXX XXXX XXXX : This letter is written confirmation that the above referenced <em>account</em> was paid in full and closed on XX/XX/XXXX. We are in the process of updating this data with the credit reporting agencies which will <em>take</em> <em>approximately</em> 45 to 60 <em>days</em>."],"issue":["Problem with a credit reporting company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[13.621788,"6604443"]},{"_index":"complaint-public-v1","_id":"1883583","_score":12.958605,"_source":{"product":"Credit reporting","complaint_what_happened":"I have been writing the Credit Bureaus and attempting to explain to them that the information on my Credit Report is inaccurate but yet the refuse to correct it. Over the last 2-years not only has the Creditors have became a Nightmare but the Credit Reporting Agencies Especially Equifax. Equifax prompts consumers to go online and do a dispute online, and even upload documents to prove the validity of the disputes. I have came to realize that Equifax online dispute process is a mere form of trickery, even after you upload documents to prove that the alleged accounts are inaccurate, Equifax refuses to remove the inaccuracies and prompts you to mail in the same documents to do a re-investigation ( which at this time may have taken up to 90 days ) to remove an error that was at fault by Equifax not doing their job as to report correct and accurate information. I have also learn that doing the online disputes not online takes more time and causes more financial burden to the consumers. Doing the online disputes with Equifax also protects them from any fault of the extremely poor investigation/ re-investigation process due to of their Aberration Clause. Below are some of the items that I have disputed several times with Equifax , and still these items show on my Credit Report from Equifax. Please see also were Equifax repeatedly hit my credit score with the inaccurate report from XXXX ( XXXX ) within the last 3 days I have loss points towards my overall credit score because of Equifax please see the attached documents. The most amazing part of this is that I called and attempted to talk to someone at XXXX about this account and I was automatically transferred to XXXX XXXX XXXX Department for XXXX. I called approximately 13 more times, only to find out that my inactive XXXX XXXX credit card was converted, sold or transferred to XXXX, without my knowledge. \nI have disputed this account information as inaccurate with Equifax , XXXX and XXXX have came back to me and stated they were able to verify these inaccurate accounts. How is this possible? Under the laws of the FDCPA, I have contacted the creditor myself and have been unable to get them to verify that this is indeed my a valid debt, they could not even locate the last statement from XXXX and still have not sent any validation that I owe anything. How is possible that Equifax can state that this account is accurate when the creditor themselves can not? Even though the Fair Credit Reporting Act allows a \" disputed '' notation to appear on my credit reports, there is no reason to accept that notation if the creditor can not prove I owe the debt without proper validation documents. The XXXX ( XXXX ) account was converted to XXXX and I did not receive any notification nor was I given anything to opt out, I never received any statements from XXXX. \nThe FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge Equifax to remove this item before I am forced to take legal action. \nXXXX ( XXXX ) : Account Number : XXXX ... ..Failure to Validate Debt with ( XXXX ) please see Debt Validation Letter/ Certified Receipt and Certified confirmation that XXXX received the Debt Validation Letter. \nXXXX .... Account Number : XXXX ... ... Never Paid Late/Please see XXXX 2016 Statement XXXX XXXX .... Account Number : XXXX ... ... Update to show paid as agreed/closed/ Please see Letters from XXXX showing account paid and letter agreed to show \" paid as agreed '' XXXX XXXX ... Account Number : XXXX ... ... Not My Account/Removal Letter attached from XXXX Directly Former Address Removal : ... ... ... Never Lived at that addres","date_sent_to_company":"2016-04-17T20:16:15.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"92707","tags":null,"has_narrative":true,"complaint_id":"1883583","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2016-04-17T20:16:14.000Z","state":"CA","company_public_response":null,"sub_issue":"No notice of investigation status/result"},"highlight":{"complaint_what_happened":["The XXXX ( XXXX ) <em>account</em> was converted to XXXX and I did not receive any notification nor was I given anything to opt out, I never received any statements from XXXX. \nThe FCRA requires you to verify the <em>validity</em> of the item within 30 <em>days</em>. If the <em>validity</em> can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge Equifax to remove this item before I am forced to <em>take</em> legal action."],"issue":["Credit reporting company's <em>investigation</em>"],"sub_issue":["No notice of <em>investigation</em> status/result"]},"sort":[12.958605,"1883583"]},{"_index":"complaint-public-v1","_id":"13218993","_score":12.742036,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I am submitting this complaint because Ally Financial wrongfully repossessed my XXXX XXXX XXXX ( XXXX : [ Insert your VIN # ] ) despite my account not being in default. \n\nAccording to my finance agreement with Ally Financial, repossession is permitted only after a delinquency of more than 90 days. Prior to the repossession, I made a payment on XX/XX/XXXX, which brought my account current to approximately 58 days past due not 90 days. \n\nDespite this payment, Ally Financial repossessed my vehicle without providing any notice of default, right to cure, or notice of repossession as required by Florida law and the XXXX XXXX XXXX. I received no phone call, no email, and no certified letter warning me of repossession. \n\nWhen I attempted to call Ally Financial to discuss the situation, their representatives hung up on me and refused to assist, demonstrating bad faith and unfair practices. \n\nThe vehicle is titled under XXXX XXXX XXXX XXXX, an irrevocable trust, and XXXX actions constitute wrongful repossession, breach of contract, conversion of trust property, and violation of multiple laws. \n\nSpecifically, Ally Financial violated : Florida Statute XXXX ( repossession only after valid default ) Florida Statute XXXX ( failure to send required notices ) Florida Deceptive and Unfair Trade Practices Act ( XXXX ), XXXX Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( if reported as repossession inaccurately ) I am requesting that Ally Financial : Immediately review and correct my account. \n\nImmediately return my XXXX XXXX XXXX without any fees or penalties. \n\nCorrect any inaccurate credit reporting related to this wrongful repossession. \n\nReimburse me for any damages and costs incurred. \n\nI respectfully request the CFPB to investigate this matter and take any appropriate action to hold Ally Financial accountable for its violations.","date_sent_to_company":"2025-04-29T00:21:49.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"32714","tags":null,"has_narrative":true,"complaint_id":"13218993","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2025-04-28T23:38:05.000Z","state":"FL","company_public_response":null,"sub_issue":"Notice to repossess"},"highlight":{"complaint_what_happened":["I respectfully request the CFPB to <em>investigate</em> this matter and <em>take</em> any appropriate action to hold Ally Financial accountable for its violations."]},"sort":[12.742036,"13218993"]},{"_index":"complaint-public-v1","_id":"20339038","_score":12.65797,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, check # XXXX for {$20000.00} was issued to me by XXXX XXXX as payment for the sale of my personal vehicle. \n\nOn XX/XX/year>, I deposited this check via mobile deposit into my account at Navy Federal Credit Union. Shortly after submitting the deposit, I received an email stating that the mobile deposit had been approved and was being processed, and that the funds would be available within approximately two business days. \n\nOn XX/XX/year>, I received a second notice stating that {$20000.00} of the {$20000.00} deposit would be delayed while the check was processed, and that the funds would likely become available within five business days. At that time there was no indication that the check was fraudulent or invalid. \n\nOn XX/XX/year>, I received an email stating that my account had been restricted due to potentially suspicious activity. I immediately contacted the credit union by phone to understand the situation. \n\nDuring that phone call I was told : the credit union would not accept the check my account would be closed I could do what I wanted with the check. \n\nI specifically asked whether I could take the check to another bank and deposit it there. The representative again told me that I could do what I wanted with the check. \n\nAt no time during this conversation was I informed : that the check was still in the clearing process that funds had already been withdrawn from the issuers account that the item was under investigation that redepositing the check elsewhere could create complications Instead, I was provided with a Security Appeal Form if I wished to challenge the decision to close my account. \n\nBased on the information provided by Navy Federal Credit Union, I reasonably believed the check had simply been rejected and that I was free to deposit it elsewhere. \n\nI subsequently deposited the check into my account at another bank ( XXXX Bank ). XXXX initially accepted the deposit and made the funds pending but available. Based on that availability, I transferred {$20000.00} to my son so he could purchase a vehicle near his duty station at XXXX XXXX. \n\nShortly afterward, the check was returned and my XXXX account became approximately {$20000.00} negative, creating significant financial disruption. \n\nWhen I began investigating the situation, I learned that the check had already been processed elsewhere, which conflicted with what Navy Federal had told me on XX/XX/XXXX. \n\nIn order to clarify the situation, I contacted the issuing bank directly. A branch manager at XXXX Bank confirmed that : the check was valid the check was intentionally written by the account holder the funds were available in the account The issuer of the check also confirmed directly that : he never contacted Navy Federal Credit Union he never reported the check as fraudulent The issuer also provided documentation from his bank statement showing that {$20000.00} had been withdrawn from his account, confirming that the check entered the banking system. \n\nAdditionally, my Navy Federal account statement for the period XX/XX/XXXX through XX/XX/year> shows an ending balance of approximately {$20000.00}, indicating that the funds were recorded within the account during that period despite the account being restricted and later closed. \n\nDespite the verification from the issuing bank and the maker of the check, Navy Federal Credit Union has continued to claim that the check was considered high risk. \n\nThroughout this process, Navy Federal Credit Union has provided multiple conflicting explanations for why the check was not accepted. At different times I was told that : the issuer reported the check as fraud Navy Federal contacted the issuer and confirmed fraud Navy Federal contacted the issuing bank to verify the check However, both the issuer and the issuing bank confirmed that these contacts never occurred and that the check was valid.\n\nAs of today : my Navy Federal account has been closed my account statement shows the {$20000.00} balance during the statement period the issuer has not received the funds back I have not received the funds Navy Federal Credit Union has not provided clear written documentation explaining where the {$20000.00} currently resides or how the check was ultimately processed. \n\nThis situation has caused significant financial harm. My XXXX account became approximately {$20000.00} negative after the returned item, and the funds were intended to help my son purchase a vehicle while he is stationed near XXXX XXXX before his upcoming XXXX. Because of the unresolved situation, he has been left without reliable transportation during the final months before XXXX. \n\nDespite my repeated efforts to cooperate and resolve the matter in good faith, Navy Federal Credit Union has not provided clear answers regarding the disposition of the funds.","date_sent_to_company":"2026-03-17T17:17:43.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"18064","tags":null,"has_narrative":true,"complaint_id":"20339038","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-03-17T17:01:32.000Z","state":"PA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Cashing a check"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I deposited this check via mobile deposit into my <em>account</em> at Navy Federal Credit Union. Shortly after submitting the deposit, I received an email stating that the mobile deposit had been approved and was being processed, and that the funds would be available within <em>approximately</em> two business <em>days</em>."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[12.65797,"20339038"]},{"_index":"complaint-public-v1","_id":"13245894","_score":12.4258585,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXX, I received a text notification from Barclays US welcoming me to my new account. I never authorized this account. I immediately called Barclays and requested that the account be closed, as it was opened fraudulently, as a result of Identity theft, and I never authorized it or the {$620.00} transaction that was made the same day the card account was opened. I also immediately placed credit freezes with the 3 major credit bureaus, placed fraud alerts with all 3 bureaus, filed a report at identitytheft.gov, and later that week, filed a police report with my local police deparment. \n\nI received a letter dated XX/XX/XXXX, informing me that the account was closed due to suspicious activity and I would receive the results of the investigation. \n\nI received a second letter from Barclays US dated XX/XX/XXXX, informing me that the investigation was completed and their research indicated the account is valid. The fraud status was removed, and monthly statements would resume at the current balance of {$620.00}. I was never once contacted for additional information during the investigation process. \n\nI placed several calls to Barclays Fraud Investigations department on XX/XX/XXXX and XX/XX/XXXX, reasserting my fraud claim. I was told that further investigation would take 30 days and during that time I could submit documentation supporting my case. I have been in the process of obtaining all documentation in order to send it to Barclays, and had planned to send it this week. \n\nOn Monday, XX/XX/XXXX, I received a credit card statement for the account in question, statement period XX/XX/XXXX through XX/XX/XXXX, with a singular transaction of {$620.00}, transaction date of XX/XX/XXXX, with the description \" XXXX XXXX XXXX XXXX XXXX TX. '' This description is in reference to the XXXX  XXXX at the address of XXXX XXXX, XXXX XXXX, TX XXXX, located in the XXXX XXXX XXXX XXXX. I have never been to XXXX XXXX, TX, let alone this XXXX XXXX store. I also have video evidence from my XXXX  doorbell camera that on the date of XX/XX/XXXX, I was captured on camera in XXXX XXXX, Pennsylvania at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX on the morning of XX/XX/XXXX. I will provide timestamped screenshots of our XXXX app, and can provide the videos upon request. Given that a drive from my home to XXXX XXXX takes approximately 45 minutes, flight from XXXX to XXXX takes XXXX hours, and a XXXX XXXX XXXX from XXXX to XXXX XXXX, even if I wanted to take the asinine trip to open a credit card that I could have opened at my local store, it would be physically impossible for me to arrive within the open hours of the store ( XXXX to XXXX ), and return to my home in Pennsylvania, all while somehow avoiding my Ring doorbell camera. \n\nToday, 15 days after the initial reassertion call, I received a letter stating that a detailed review of my claim has been completed, and the transactions I identified are not fraudulent. The account remains open. \n\nI am now preparing letters to send to each of the credit bureaus to block any transactions or accounts related to the Barclays Navyist Rewards Mastercard being added to my credit reports, as well as Barclays themselves requesting ( again, in writing ), that they close the account and deem all charges on the account fraudulent. I am also sending a second letter to Barclays requesting all documentation related to the account and transaction.","date_sent_to_company":"2025-04-30T06:00:23.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"190XX","tags":null,"has_narrative":true,"complaint_id":"13245894","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2025-04-30T03:02:49.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["I received a letter dated XX/XX/XXXX, informing me that the <em>account</em> was closed due to suspicious activity and I would receive the results of the <em>investigation</em>. \n\nI received a second letter from Barclays US dated XX/XX/XXXX, informing me that the <em>investigation</em> was completed and their research indicated the <em>account</em> is <em>valid</em>. The fraud status was removed, and monthly statements would resume at the current balance of {$620.00}."]},"sort":[12.4258585,"13245894"]},{"_index":"complaint-public-v1","_id":"21228037","_score":12.36081,"_source":{"product":"Checking or savings account","complaint_what_happened":"Approximately two days ago ( around XX/XX/year> ), I opened my Cash App account and received a notification that it was suspected of fraud. I immediately contacted Cash App support through the in-app bot to request information and explain that this was a false positive, as I do not engage in any fraudulent activity. I work in the medical field and do content creation on the side, and I was unable to make phone calls at that moment due to my situation. \nYesterday ( XX/XX/year> ), my account was fully closed due to the suspected fraud. I contacted Cash App support again, including by phone, and clearly stated that this was a false positive. While speaking with support, I offered to provide any information needed to verify my identity and legitimate use of the account. I am still waiting for a meaningful response or resolution. \nThis false positive account closure is causing me significant financial XXXX  and inconvenience. Switching my banking information ( routing and account numbers ) for direct deposits and payments is not simple for me I have to physically go to my employers headquarters to update everything, which takes time away from my work. This is disrupting my ability to receive payments for my medical job and content creation income. \nI have never scammed anyone and have always used the account legitimately. Cash Apps fraud detection system triggered a false positive with no valid basis, and their handling of my appeals has been inadequate. I request the following : immediate reversal of the account closure or full release of any remaining funds, a detailed explanation of what triggered the false fraud flag, reimbursement for any resulting losses or fees, and proper investigation into their flawed detection process so this does not happen to others.","date_sent_to_company":"2026-04-14T16:29:36.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"59405","tags":"Servicemember","has_narrative":true,"complaint_id":"21228037","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2026-04-14T16:06:55.000Z","state":"MT","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["<em>Approximately</em> two <em>days</em> ago ( around XX/XX/year> ), I opened my Cash App <em>account</em> and received a notification that it was suspected of fraud. I immediately contacted Cash App support through the in-app bot to request information and explain that this was a false positive, as I do not engage in any fraudulent activity. I work in the medical field and do content creation on the side, and I was unable to make phone calls at that moment due to my situation."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[12.36081,"21228037"]},{"_index":"complaint-public-v1","_id":"21123077","_score":12.353427,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year> my XXXX XXXX account had a fraudulent withdraw of approximately {$1500.00}. I filed an investigation with my credit union and I was unable to be reimbursed the funds. So I proceeded to close that account and establish a new account. Fast forward to XX/XX/year> I received a notification from my Chime account about my monthly statement. I checked my Never Used Chime account and noticed that a {$1500.00} transaction was made to someone I do not know, has no valid Chime account or is saved in my contacts ( which also proves I do not know this person ). I noticed that the card used to deposit funds is the XXXX XXXX account that I closed due to fraud for the amount that was deducted from that account I proceeded to freeze the card and call Chime to report the error. The agent informed me that if will take XXXX days to complete the investigation. After submitting my evidence of the funds being transferred from my account without my authorization, on XX/XX/year> I received an email. This email stated that the investigation was closed and the funds will not be returned. How can an accurate investigate take place within less that 24 hours? I proceeded to call Chime to gather further information about the results of the dispute. The agent said that I will have to prove that the funds were taken without my authorization and it can not be the information I already submitted. I told her, I submitted all the information I had. She then told me that I would have to file a police report about the matter or provide information that I was at work or somewhere proving that I was unaware the funds were deducted from my account fraudulently. Im a federal government employee, I can not prove I was at work due to not being able to obtain that information without involving my job. Secondly, how will that prove my innocence when everyone has a smart phone and can conduct daily functions with in 2 minutes. This is ridiculous to have to go through obstacles to obtain funds that I did not authorized to be withdrawn and transferred to someone I do not know from an account that was never fully established or used. I will be providing all the documentation showing when the funds were deducted from my account, sent to my chime account and then transferred to a stranger who doesnt even own a Chime account. I hope someone can help me fix this issue so I can obtain my missing funds. Once this issue is cleared, I will terminate my Chime account. I no longer will be utilizing services from a company that has poor communication, poor ethics, terrible security as a financial institution to ensure the protect of the publics funds and horrible customer service.","date_sent_to_company":"2026-04-10T09:47:25.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"31406","tags":null,"has_narrative":true,"complaint_id":"21123077","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2026-04-10T09:12:36.000Z","state":"GA","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["The agent informed me that if will <em>take</em> XXXX <em>days</em> to complete the <em>investigation</em>. After submitting my evidence of the funds being transferred from my <em>account</em> without my authorization, on XX/XX/year> I received an email. This email stated that the <em>investigation</em> was closed and the funds will not be returned. How can an accurate <em>investigate</em> <em>take</em> place within less that 24 hours? I proceeded to call Chime to gather further information about the results of the dispute."],"product":["Checking or savings <em>account</em>"],"issue":["Problem with a lender or other company charging your <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[12.353427,"21123077"]},{"_index":"complaint-public-v1","_id":"3240901","_score":12.108599,"_source":{"product":"Debt collection","complaint_what_happened":"I'll provide as much information as possible to make my story clear. My name is XXXX XXXX. On XX/XX/XXXX, I was admitted to the ER and was treated and discharged the same day. I have insurance with XXXX, and I was later billed. I received a bill on or around XX/XX/XXXX from HCFS Healthcare Financial Services. The bill shows the following : ER Visit, Provider : XXXX XXXX XXXX, MD, debits {$500.00} on XX/XX/XXXX. The bill also shows \" contractual adjustment '', a credit, of {$420.00}. This appears to be the medical insurance covering a portion of the bill ( XXXX is my medical provider ). The remaining amount due was listed as {$79.00}. I prompted paid the bill with my Health Savings Account ( HSA ) on or around XX/XX/XXXX, with a confirmation number of # XXXX. I assumed the debt was settled in full at this point. \nApproximately 2 years later, I am notified by my parents that they received a threatening letter stating that they ( HRRG, to be later named below ) would proceed with judgement ( lawsuit ) if I did not settle or dispute the debt within 30 days. This letter was dated XX/XX/XXXX, approximately 2 years after the debt was paid in full ( in my opinion ), without me being noticed of any subsequent action taken by either the insurance company, the hospital, the doctor, or any other party. \nI contacted the company Heathcare Revenue Recovery Group, LLC ( debt collector, also referenced above as HRRG ) on XX/XX/XXXX via my cell phone at approximately XXXX XXXX  EST. I spoke to an individual that refused to accept my documents related to the bill I had paid and continued to threaten legal action. I requested a supervisor and discussed my documents and understanding of the bill calmly with her. She advised me to send in the documentation and they would review and return my phone call if any further action was needed. I explained that I would pay the bill, if they provided me a document showing why I owed the amount, and why it was different from the bill I had previously paid. We ended the call with my assumption of the debt being settled unless I heard back from them. \nI was not contacted again by the company until XX/XX/XXXX at approximately XXXX XXXX EST, where an individual began the same type of conversation about the debt and he explained that they ( HRRG ) have sent all the necessary documents, but would not reveal where they had been sent. I have only received the original bill ( mentioned in the first paragraph ) and the final demand letter, which threatened judgement ( mentioned in the second paragraph ). The individual explained that they would send me a letter ( showing the justification for the debt ) within 5-10 business days, which is something that I requested almost 30 days ago ( on XX/XX/XXXX ). I do not feel that I owe this debt, I feel that this debt is not valid, furthermore I feel that 30-40 days is an unreasonable due diligence timeline for a debt collection company ( HRRG ) that falls under regulation by the Consumer Financial Protection Bureau ( CFPB ). \nIf the company has already sent the document showing the adjustment, it should only take minutes to reprint and send to me. To which I would expect to see the date of the alleged adjustment and justification for the difference in the discrepancy of the two bills. To advise a consumer to wait an additional 10 days, leaves me further worried that they will stall in sending the validation letter in order to proceed with judgement. I currently have no debt with any individual or company and a well above average credit score. I feel that these threats made towards me are unwarranted and unjustified. I will gladly  settle any balance owed, if I can validate the money owed is in fact due to an insurance adjustment, that I will need to validate with the company, XXXX. \nThank you for your time and investigation into this matter.","date_sent_to_company":"2019-05-21T15:37:13.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"37801","tags":null,"has_narrative":true,"complaint_id":"3240901","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"HCFS Healthcare Financial Services of TeamHealth","date_received":"2019-05-13T19:22:13.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Thank you for your time and <em>investigation</em> into this matter."]},"sort":[12.108599,"3240901"]},{"_index":"complaint-public-v1","_id":"12262965","_score":11.952292,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/year> approximately XXXXXXXX XXXX Attempted to deposit {$1500.00} cash into the ATM at the local branch ATM showed error message that it was unable to count the cash, and instructed me to remove it from the door When door opened, it did not move the cash out to be grabbed, it kept the cash inside the door, stuck between the teeth of the mechanism. Unable to physically get out the cash, and door closed Error then stated funds were not properly retrieved, and to contact the financial institution or go into the branch I parked and Walked into the bank immediately after this occurred Explained what occurred to the teller, his name was Will, and he opened a claim for me in the system, stating they do not have access to the ATM as it is serviced by a third party Claim reference number XXXX Advised it would take around 5-10 days for it to be reviewed and the ATM serviced 10 days later, no update provided, called the branch and asked if they had an update. They did not, and stated the ATM had still not been serviced, and it may take a while because they had several issues regarding that ATM that would need investigated. \nI called corporate Customer Service and requested assistance to have it escalated. They notated an escalated review, requesting a priority provisional credit be applied to my account while it is investigated I received no further update via phone, email, letter, or secure message. \nOn XX/XX/XXXX, at XXXX, EST, I received a fraud alert on my account/debit card I called Customer Service around XXXX that morning to request a new debit card. At that point I asked for an update on my claim. \nThe representative stated the claim shows it had been closed, and they did not find my complaint valid, and they would be taking back the {$1500.00} provisional credit. from my account, on Friday, XX/XX/XXXX. \nI called back and spoke to another representative, who made a request on my claim for it to be reopened, reinvestigated. She also pulled the information showing I had accessed the ATM at the time I had stated. She requested that video be pulled to provide proof of my claim or their reasoning. It was obvious at that point, neither had been done through the first part of the investigation. \nA request was also made on my account to not take back those funds on the XXXX. \nI then called the branch I initially filed my complaint and asked if they had more information for me. They were going to look into it and call me back. \nOn Wednesday, XX/XX/XXXX, a representative from the branch called me back and advised they had no updates at that time for me, and were unable to pull any footage themselves, as it is not their ATM. They were going to monitor my claim and intended to call me back with updates for next steps. \nIt is completely unprofessional, and unacceptable, that I have had to wait over a month for any type of update, in which I had to go fishing for. It is also unacceptable, that with no reasoning or explanation provided, they deny my claim and essentially plan to steal my {$1500.00}. \nI am unsure if this is the bank making these decisions or the ATM servicer. Either way, I refuse to lose {$1500.00} because of a faulty ATM, which was described as problematic, and several issues needed looked into. \nI should not have to wait, holding my breath, to see if I will lose my own money from my account due to their errors.","date_sent_to_company":"2025-02-27T17:37:01.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"15001","tags":null,"has_narrative":true,"complaint_id":"12262965","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"HUNTINGTON NATIONAL BANK, THE","date_received":"2025-02-27T17:09:28.000Z","state":"PA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["They did not, and stated the ATM had still not been serviced, and it may <em>take</em> a while because they had several issues regarding that ATM that would need <em>investigated</em>. \nI called corporate Customer Service and requested assistance to have it escalated. They notated an escalated review, requesting a priority provisional credit be applied to my <em>account</em> while it is <em>investigated</em> I received no further update via phone, email, letter, or secure message."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[11.952292,"12262965"]},{"_index":"complaint-public-v1","_id":"3824111","_score":11.862568,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX I made a payment of {$18000.00} with an effective date of XX/XX/XXXX. The payment was made on my Chase Credit Card ending in XXXX. The payment was subsequently honored by XXXX XXXX and debited from my checking account without delay. On XX/XX/XXXX I attempted to use my card ( which showed a small balance of approximately {$300.00} due to recent purchases ) to  make a purchase with XXXX of {$410.00}. Payment authorization was repeatedly denied by Chase. \n\nUpon further investigation and calling Chase I was advised that my payment was being \" held '' until XX/XX/XXXX, with use not being allowed until XX/XX/XXXX. During that time without notice I would not have use of my approved credit limit of $ XXXX but instead {$76.00}. I authorized my daughter in law to speak on my behalf and she further confirmed the payment having posted to my XXXX account, that there was no advisement by Chase on my payment confirmation email, credit card statement terms or account profile on chase.com that the payment would be held. \n\nChase Supervisor XXXX XXXX - XXXX, MO was also advised of the situation and that my payment had cleared XXXX on XX/XX/XXXX and that this was unacceptable. XXXX pointed my daughter in law to a clause in their card agreement that enables them to take up to 14 days to process a payment and make it fully available on my account. This is the 1st I've heard of this and have never experienced such treatment previously. \n\nI have been a customer of Chase for many years and have never had a late payment, over limit situation or any payment not honored by XXXX. If Chase intended on \" holding '' my account/payment and not allowing me to utilize it I should have been notified. \n\nI am in the process of trying to move and this has created an undue burden on me for no valid reason.","date_sent_to_company":"2020-09-01T11:47:42.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"121XX","tags":"Older American","has_narrative":true,"complaint_id":"3824111","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-09-01T11:26:32.000Z","state":"NY","company_public_response":null,"sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["XXXX pointed my daughter in law to a clause in their card agreement that enables them to <em>take</em> up to 14 <em>days</em> to process a payment and make it fully available on my <em>account</em>. This is the 1st I've heard of this and have never experienced such treatment previously. \n\nI have been a customer of Chase for many years and have never had a late payment, over limit situation or any payment not honored by XXXX."]},"sort":[11.862568,"3824111"]},{"_index":"complaint-public-v1","_id":"20815123","_score":11.720922,"_source":{"product":"Checking or savings account","complaint_what_happened":"CONSUMER FINANCIAL PROTECTION BUREAU FORMAL COMPLAINT Filed Pursuant to 12 U.S.C. 5531 and Regulation E ( 12 C.F.R. Part 1005 ) I. PARTIES AND ACCOUNT INFORMATION Complainant : XXXX XXXX XXXX XXXXXXXX XXXX  Citizens Bank , N.A. \n\nProduct : Consumer checking account with linked debit card Date of Incident : XX/XX/year> Amount in Dispute : Approximately {$8700.00} ( representing approximately 95 % of the total account balance ) Branch Where Fraud Occurred : Citizens Bank, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. SUMMARY OF COMPLAINT This complaint is filed against Citizens Bank , N.A. for its failure to comply with the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., and its implementing regulation, Regulation E, 12 C.F.R. Part 1005, in connection with its denial of a fraud claim involving unauthorized electronic fund transfers totaling approximately {$8700.00}. \n\nOn XX/XX/year>, XXXX separate unauthorized transactions were conducted at the Citizens Bank XXXX XXXX XXXX in XXXX XXXX, XXXX. The complainant did not authorize, conduct, or benefit from any of these transactions. The complainant was at her home at the time of the transactions, caring for her XXXX children, including a newborn. Citizens Bank denied the fraud claim without adequate investigation, in apparent violation of its obligations under Regulation XXXX. \n\n\n\nXXXX. FACTUAL BACKGROUND A. Account Transfer and Card Issuance The complainants account was transferred to Citizens Bank from a prior institution. Following the transfer, Citizens Bank issued a new debit card linked to the account. This card was intercepted before it was received by the complainant. The complainant never received, activated, or used the card in question. \n\nB. The Unauthorized Transactions On XX/XX/year>, XXXX separate fraudulent withdrawals were executed at the Citizens Bank branch located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. The combined total of these transactions was approximately {$8700.00}, which represented approximately 95 % of the complainants entire account balance. The complainant was not present at the branch, was not in the vicinity, and had no knowledge of the transactions until after they occurred. \n\nXXXX Claim Denial and Lack of Adequate Investigation The complainant promptly reported the unauthorized transactions and filed a fraud claim with Citizens Bank. The bank denied the claim. Upon information and belief, the denial was based solely on the fact that the transactions involved a validly issued card and a correct PINfactors that are insufficient under federal law to establish that the transactions were authorized by the account holder. Citizens Bank failed to provide provisional credit as required under Regulation XXXX and failed to conduct an adequate investigation into the circumstances of the fraud. \n\nXXXX Police Report A police report has been filed with the XXXX XXXX Police Department documenting the unauthorized transactions. The report is available upon request. \n\n\n\nIV. LEGAL BASIS FOR COMPLAINT A. Regulation E Unauthorized Electronic Fund Transfers Under Regulation E, 12 C.F.R. 1005.2 ( m ), an unauthorized electronic fund transfer is a transfer initiated by a person other than the consumer without actual authority to initiate the transfer and from which the consumer receives no benefit. The transactions at issue meet this definition in full : they were initiated by an unknown third party who intercepted the complainants debit card ; the complainant did not authorize the transactions ; and the complainant received no benefit. \n\nB. Burden of Proof Rests with the Financial Institution Under 12 C.F.R. 1005.6 ( b ) ( 3 ) and the Official Staff Commentary, the burden is on the financial institution to demonstrate that a transaction was authorized. The mere fact that a valid card and correct PIN were used does not, standing alone, establish authorization. The Consumer Financial Protection Bureau has consistently held that card present and correct PIN are not sufficient bases to deny a fraud claim. A card that was intercepted in the mail and used by a third party is a textbook case of an unauthorized XXXX, regardless of whether the XXXX was compromised through social engineering, interception, or other means. \n\nXXXX Failure to Provide Provisional Credit Under 12 C.F.R. 1005.11 ( c ) ( 2 ), a financial institution that is unable to complete its investigation within XXXX business days must provisionally credit the consumers account for the amount of the alleged error. Upon information and belief, Citizens Bank failed to provide provisional credit within the required timeframe, compounding the financial harm to the complainant and her family. \n\nXXXX Failure to Conduct Adequate Investigation Regulation E requires that institutions conduct a reasonable investigation of error claims. An adequate investigation in this case would include, at minimum : review of surveillance footage from the XXXX XXXX branch at the time of the transactions ; analysis of card activation and usage records to confirm the complainant never activated or previously used the card ; comparison of the complainants location data or other evidence establishing she was not present at the branch ; and coordination with law enforcement. Upon information and belief, Citizens Bank failed to undertake these basic investigative steps before denying the claim. \n\n\n\nV. HARM TO THE CONSUMER The denial of this fraud claim and the loss of approximately {$8700.00} has caused severe financial and emotional harm to the complainant and her family. XXXX XXXX is a mother of XXXX children, including a newborn. The stolen funds represented nearly the entirety of the account balance. The family has endured more than a month of repeated denials and delays from Citizens Bank, during which the financial strain has been acute. The emotional toll of having nearly all available funds stolenand then being told by the bank that the claim is deniedwhile caring for a newborn and XXXX other children can not be overstated. \n\n\n\nVI. RELIEF REQUESTED The complainant respectfully requests that the Consumer Financial Protection Bureau XXXX Citizens Bank to take the following actions : XXXX. XXXX reimbursement of the full {$8700.00} in unauthorized withdrawals, plus any associated fees or charges incurred as a result of the unauthorized transactions. \nXXXX. Full internal review and reconsideration of the denied fraud claim, conducted in compliance with XXXX XXXX investigation requirements. \nXXXX. Retrieval and preservation of all surveillance footage from the Citizens Bank XXXX XXXX branch ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL ) for the dates and times corresponding to the XXXX unauthorized transactions. \nXXXX. Full cooperation with law enforcement to identify and apprehend the individual ( XXXX ) responsible for the card interception and unauthorized withdrawals. \nXXXX. Confirmation of compliance with XXXX XXXX provisional credit and investigation timeline requirements, and an explanation of the basis for the denial. \nXXXX. XXXX review of Citizens Banks fraud investigation procedures to determine whether the institutions practices constitute a pattern of Regulation XXXX violations. \n\n\nXXXX. ADDITIONAL REGULATORY CONTEXT The complainant notes that this matter XXXX also warrant review by the XXXX XXXX XXXX Comptroller of the Currency ( XXXX ), as the primary federal regulator of Citizens Bank , N.A. The fact pattern described hereincard interception, non-receipt fraud, denial based solely on card-present and PIN-match criteriareflects practices that the CFPB and XXXX have XXXX as XXXX in prior enforcement actions and supervisory guidance. The complainant reserves the right to file parallel complaints with the XXXX and the relevant state banking regulator. \n\n\n\n\nRespectfully submitted, ________________________________________ On behalf of XXXX XXXX XXXX : _______________ Attachments ( to be provided upon request ) : Police report filed with XXXX XXXX Police Department ; account statements reflecting the unauthorized transactions ; correspondence with Citizens Bank regarding the denied fraud claim.","date_sent_to_company":"2026-03-31T18:05:23.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"33021","tags":null,"has_narrative":true,"complaint_id":"20815123","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIZENS FINANCIAL GROUP, INC.","date_received":"2026-03-31T17:59:34.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["PARTIES AND <em>ACCOUNT</em> INFORMATION Complainant : XXXX XXXX XXXX XXXXXXXX XXXX  Citizens Bank , N.A. \n\nProduct : Consumer checking <em>account</em> with linked debit card Date of Incident : XX/XX/year> Amount in Dispute : <em>Approximately</em> {$8700.00} ( representing <em>approximately</em> 95 % of the total <em>account</em> balance ) Branch Where Fraud Occurred : Citizens Bank, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[11.720922,"20815123"]},{"_index":"complaint-public-v1","_id":"18412283","_score":11.697871,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/year>, I made a single authorized online purchase of {$29.00} from a website that appeared legitimate. This was the only transaction I approved.\n\nWithin the next 48 hours, the same merchant processed approximately 15 additional online charges totaling about {$7500.00}, even though my credit limit was {$3800.00}. I did not authorize any of these additional charges. I did not consent to recurring billing, incremental charges, subscriptions, or any amounts beyond the original {$29.00}.\n\nI promptly contacted my bank and reported the charges as fraud. The bank rejected the fraud claim, stating they should instead be treated as billing disputes. I followed the banks instructions and re-filed all 15 transactions as billing disputes, and separately disputed the original {$29.00} charge as goods/services not received, since nothing was ever delivered. \n\nDuring the billing dispute process, the bank has repeatedly requested documentation that can not exist for unauthorized transactions ( such as invoices, contracts, or receipts for the fraudulent charges ). I have consistently explained that : * The additional charges were not authorized * There is no merchandise or service associated with those charges * There are no invoices or receipts because I did not make those purchases Despite this, the bank has continued to delay resolution and, has erroneously deducted the disputed {$29.00} amount from 3 of the larger claims, even though the {$29.00} charge is itself under a separate dispute and has not been resolved or credited. It has has rejected one of my billing disputes.\n\nThe bank has stated it may take up to 45 days to respond to the billing disputes. Meanwhile, I am concerned that the bank has mishandled the investigation by : * Misclassifying fraud as billing disputes, * Allowing charges far above my credit limit, * Treating unauthorized charges as if they were valid purchases, and * Making accounting errors during the dispute process.\n\nI am requesting CFPB assistance to ensure the bank properly investigates these unauthorized charges, applies applicable consumer protections, corrects its errors, and credits the disputed amounts.","date_sent_to_company":"2026-01-02T02:32:16.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"95035","tags":null,"has_narrative":true,"complaint_id":"18412283","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-01-02T02:14:13.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["The bank has stated it may <em>take</em> up to 45 <em>days</em> to respond to the billing disputes. Meanwhile, I am concerned that the bank has mishandled the <em>investigation</em> by : * Misclassifying fraud as billing disputes, * Allowing charges far above my credit limit, * Treating unauthorized charges as if they were <em>valid</em> purchases, and * Making <em>accounting</em> errors during the dispute process."]},"sort":[11.697871,"18412283"]},{"_index":"complaint-public-v1","_id":"18432717","_score":11.68135,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint because my prior dispute with Chase was closed ( XXXX ) without a fair or independent review, and Chase failed to protect me as a consumer when I initially requested help while cognitively impaired.\n\nAt the time of the original charge, I contacted Chase and disclosed that I had a brain injury with cognitive impairment and asked for assistance to have the charge refunded. Chase did not take appropriate action or provide reasonable assistance at that time.\n\nLater, a Chase representative issued a refund, which posted to my account. Approximately 30 days later, Chase reversed the credit, removing the refunded funds from my account. This reversal occurred without new evidence, without additional investigation, and without justification. This action caused financial harm.\n\nChase now claims that a merchant processor statute of limitations prevents recovery. That position is unacceptable because the statute issue would not have existed had Chase fulfilled its duty to assist me when I first contacted them and requested help while cognitively impaired. The failure to act initially is entirely Chases responsibility. \n\nThis matter was previously submitted to the Consumer Financial Protection Bureau, but the complaint appears to have been closed solely based on Chases response, without any determination of fairness, consumer protection, or consideration of my XXXX. I did not receive a final determination or explanation from the CFPB. \n\nI am requesting : Clarification on whether a company response alone is sufficient to close a complaint without independent review. \n\nSupervisory review of Chases handling of this dispute, including the improper reversal of a posted refund. \n\nReview of Chases failure to provide reasonable assistance when I disclosed a brain injury and requested help.\n\nA determination as to whether Chases actions violated consumer protection standards.\n\nChase should not be permitted to reverse a validly issued refund weeks later and then avoid accountability by citing a statute of limitations that arose only because of its own failure to act. This file should not have been closed without proper review.","date_sent_to_company":"2026-01-02T22:54:47.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"30066","tags":null,"has_narrative":true,"complaint_id":"18432717","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-01-02T22:40:52.000Z","state":"GA","company_public_response":null,"sub_issue":"Money was taken from your account on the wrong day or for the wrong amount"},"highlight":{"complaint_what_happened":["Chase did not <em>take</em> appropriate action or provide reasonable assistance at that time.\n\nLater, a Chase representative issued a refund, which posted to my <em>account</em>. <em>Approximately</em> 30 <em>days</em> later, Chase reversed the credit, removing the refunded funds from my <em>account</em>. This reversal occurred without new evidence, without additional <em>investigation</em>, and without justification. This action caused financial harm.\n\nChase now claims that a merchant processor statute of limitations prevents recovery."],"product":["Checking or savings <em>account</em>"],"issue":["Problem with a lender or other company charging your <em>account</em>"],"sub_product":["Checking <em>account</em>"],"sub_issue":["Money was taken from your <em>account</em> on the wrong day or for the wrong amount"]},"sort":[11.68135,"18432717"]},{"_index":"complaint-public-v1","_id":"14309302","_score":11.500397,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint to report that American Express National Bank ( Amex ) has unlawfully closed my high-yield savings account, falsely accused me of fraud, and is currently withholding my legitimate funds in violation of multiple federal consumer protection laws. \n\nTimeline of Events : I deposited a check from XXXXXXXX XXXX into my American Express high-yield savings account.\n\nThe check took approximately five business days to clear and for the funds to become available.\n\nOn the day the funds were marked as available, I attempted to initiate a transfer to my XXXXXXXX XXXX account. \nThe transfer was rejected. Upon calling Amex, I was told that my account had been suddenly closed and that I needed to contact XXXX to reissue the check, under the false claim that the check was never cashed or valid. \nHowever, I later confirmed directly with XXXX, who provided written proof that the check was successfully cashed by American Express the next day after deposit.\n\nWhen I called Amex again with this evidence, I was forced to go through identity verification and even had to initiate a three-way call with XXXX to prove that the external transfer was being sent to an account under my name. \nAfter complying with all requests, I was told that Amex had closed my savings account because they incorrectly believed it didnt belong to me, despite all proper documentation, matching names, and account verification. \nI have still not received my funds, and Amex informed me that it could take an additional XXXX weeks to issue me a check, even though they already cashed and accepted the original funds. \n\nLegal Concerns : Based on these events, I believe American Express has violated multiple federal laws and regulatory standards, including but not limited to : 1. Regulation E Electronic Fund Transfer Act ( 15 U.S. Code 1693 ) Failure to complete or properly investigate a legitimate and authorized funds transfer request. \nUnjustified account closure without notice and in violation of the consumers right to access their own funds. \n\n2. Truth in Savings Act ( 12 CFR 1030 ) Misrepresentation of when funds would be made available and accessible.\n\nFailure to uphold transparency regarding funds availability and account terms.\n\n3. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) Dodd-Frank Act Section 1036 ( 12 U.S.C. 5536 ) False claim that my deposited check was not cashed. \nUnjust delay in returning my legally deposited and cleared funds. \nImproper account closure based on unverifiable or unsubstantiated reasoning. \n\n4. Right to Access Funds As the rightful account holder, I was denied access to my funds without valid cause.\n\nAmex failed to follow proper procedures to verify account ownership before freezing or closing the account.","date_sent_to_company":"2025-06-26T22:14:13.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"31605","tags":"Servicemember","has_narrative":true,"complaint_id":"14309302","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-06-26T22:04:19.000Z","state":"GA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I am filing this complaint to report that American Express National Bank ( Amex ) has unlawfully closed my high-yield savings <em>account</em>, falsely accused me of fraud, and is currently withholding my legitimate funds in violation of multiple federal consumer protection laws. \n\nTimeline of Events : I deposited a check from XXXXXXXX XXXX into my American Express high-yield savings <em>account</em>.\n\nThe check took <em>approximately</em> five business <em>days</em> to clear and for the funds to become available."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Savings <em>account</em>"]},"sort":[11.500397,"14309302"]},{"_index":"complaint-public-v1","_id":"7391040","_score":11.411307,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX, my check from XXXX # XXXX was written to pay our XXXX XXXX XXXX XXXX account for {$3000.00}. This check we believe was fraudulently cashed at Wells Fargo bank. \n\nOn XX/XX/XXXX a second check ( for {$4000.00} ) was written for my husbands XXXXXXXX XXXX XXXX XXXXXXXX # XXXX. This check was also then cashed at Wells Fargo Bank. \n\nWhen we were subsequently notified by XXXX XXXX XXXXXXXX the both of our Visa statements were due, I then verified my checking account and noticed the checks had been cashed and endorsed on the back, but they weren't deducted from our XXXX XXXX XXXXXXXX XXXX accounts. \n\nI went to our local XXXX branch on XX/XX/XXXX and spoke with XXXX XXXX and Branch Manager XXXX XXXX. I was told that the checks were unaltered, but cashed at a Wells Fargo Bank instead of going to the correct bank XXXX XXXX XXXX XXXX. ) I was told to fill out a form the Declaration of Unauthorized Endorsement or Altered Item and take it to XXXX XXXX XXXX to confirm that I had NOT received a form of payment. I have documentation and the assistant manager XXXX XXXX signed. XXXX XXXX XXXX the branch manager of XXXX verbally confirmed I would receive my funds by 30 days, after an internal investigation. I waited 45 days and called claims 3 times and was told it could take up to 90 days for a resolution. Approximately XX/XX/XXXX, my husband ( XXXX XXXX XXXX and myself went back to speak to our branch manager XXXX XXXX. She remembered our case # XXXX and called the claims department once again on our behalf. She then informed us that it was XXXX 's policy now that they were not liable, and we must get our money from Wells Fargo. to We told her this was unacceptable and she then said she send this to another department within XXXX to research the discrepancy. The specialist by the name of XXXX would be handling our case. I tried contacting XXXX twice and finally she returned my call to tell me the case was still active, but Wells Fargo has not responded to XXXX 's inquires. i Today, we again contacted Wells Fargo fraud department and informed them our suspicion that they have a teller who is cashing checks meant for other banks. I was informed, since we don't have an account at Wells Fargo, they couldn't help us. \n\nXXXX has told us that they tried several times to contact Wells Fargo and there hasn't been any response. \n\nOur contention is that Wells Fargo fraudulently cashed our XXXX checks totaling {$7000.00}, and neither Wells Fargo or XXXX will help resolve this fraud. Wells Fargo cashed the check that clearly was falsely endorsed on the back, and unaltered on the front. XXXX released money that was not appropriate or confirmed valid. \n\nWe feel that Wellsfargo is assisting, pursuing, or investigating this obvious fraudulent check cashing at their bank, and helping us recover our {$7000.00}.","date_sent_to_company":"2023-08-13T00:49:44.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"90266","tags":null,"has_narrative":true,"complaint_id":"7391040","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-08-13T00:08:49.000Z","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":["XXXX XXXX XXXX the branch manager of XXXX verbally confirmed I would receive my funds by 30 <em>days</em>, after an internal <em>investigation</em>. I waited 45 <em>days</em> and called claims 3 times and was told it could <em>take</em> up to 90 <em>days</em> for a resolution. <em>Approximately</em> XX/XX/XXXX, my husband ( XXXX XXXX XXXX and myself went back to speak to our branch manager XXXX XXXX. She remembered our case # XXXX and called the claims department once again on our behalf."],"product":["Checking or savings <em>account</em>"],"issue":["Problem with a lender or other company charging your <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[11.411307,"7391040"]},{"_index":"complaint-public-v1","_id":"10240744","_score":11.23226,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Since XX/XX/XXXX I have asked Transunion Credit to present evidence such as a contract signed by me on an account that appears in my credit report and to date they have ignored my request to dispute the account in multiple disputes. violated the law by acting incorrectly and ignoring my complaints. To this day they do not receive my disputes nor do they answer them. \n\nMy claims or disputes to TransUnion credit report are as follows : You are reporting incomplete and incorrect information. I am shocked and outraged that you have failed to maintain reasonable prosecutions in your trades and have published information in my completely incorrect report. The federal fair credit law requires credit bureaus to report only 100 % accurate information on credit reports. They must take the necessary steps to ensure that the information reported is completely correct and accurate. The following information should be reinvestigated. I respectfully request that you provide me with proof that this account belongs to me, specifically, a copy of the contract, or any other instrument that contains my signature. If you don't comply, I would like to remove this account from my credit report as soon as possible. ACCOUNT : XXXXXXXX XXXX XXXX XXXX Since XX/XX/XXXX, I have requested several disputes regarding this account and to date, they have been violating my rights, they do not respond to my conflicts, they do not present evidence of their validity and they continue to report information from accounts that do not belong to me. \n\nCompany responded Status The company responded on XXXX  Response Type Closed with non-monetary relief The actions of Transunion credit reports are as follows : Company 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. TransUnion has processed your request and forwarded a copy of the Investigation Results through US mail. You should expect to receive those results in approximately 7 business days. In response to your request to block fraudulent information appearing on your credit report, we sent you a letter to inform you we were unable to block the information for the reason described in the letter and we investigated the information by contacting the creditors to verify the accuracy of the information. \nDESCRIPTION OF NON-MONETARY RELIEF The actions of Transunion credit reports are as follows : In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below are the results of that investigation. XXXX XXXX-VERIFIED AS REPORTED Maintenance was performed on the following accounts and/or public records.","date_sent_to_company":"2024-09-25T21:24:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"00678","tags":null,"has_narrative":true,"complaint_id":"10240744","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-25T21:02:23.000Z","state":"PR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["TransUnion has processed your request and forwarded a copy of the <em>Investigation</em> Results through US mail. You should expect to receive those results in <em>approximately</em> 7 business <em>days</em>. In response to your request to block fraudulent information appearing on your credit report, we sent you a letter to inform you we were unable to block the information for the reason described in the letter and we <em>investigated</em> the information by contacting the creditors to verify the accuracy of the information."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[11.23226,"10240744"]},{"_index":"complaint-public-v1","_id":"10240591","_score":11.185987,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Since XX/XX/XXXX I have asked XXXX Credit to present evidence such as a contract signed by me on an account that appears in my credit report and to date they have ignored my request to dispute the account in multiple disputes. violated the law by acting incorrectly and ignoring my complaints. To this day they do not receive my disputes nor do they answer them. \n\nMy claims or disputes to XXXX credit report are as follows : You are reporting incomplete and incorrect information. I am shocked and outraged that you have failed to maintain reasonable prosecutions in your trades and have published information in my completely incorrect report. The federal fair credit law requires credit bureaus to report only 100 % accurate information on credit reports. They must take the necessary steps to ensure that the information reported is completely correct and accurate. The following information should be reinvestigated. I respectfully request that you provide me with proof that this account belongs to me, specifically, a copy of the contract, or any other instrument that contains my signature. If you don't comply, I would like to remove this account from my credit report as soon as possible. ACCOUNT : XXXX XXXX XXXX XXXXXXXX Since XX/XX/XXXX, I have requested several disputes regarding this account and to date, they have been violating my rights, they do not respond to my conflicts, they do not present evidence of their validity and they continue to report information from accounts that do not belong to me. \n\nCompany responded Status The company responded on XX/XX/XXXX Response Type Closed with non-monetary relief The actions of XXXX XXXX reports are as follows : Company 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. XXXX has processed your request and forwarded a copy of the Investigation Results through US mail. You should expect to receive those results in approximately 7 business days. In response to your request to block fraudulent information appearing on your credit report, we sent you a letter to inform you we were unable to block the information for the reason described in the letter and we investigated the information by contacting the creditors to verify the accuracy of the information. \nDESCRIPTION OF NON-MONETARY RELIEF The actions of XXXX credit reports are as follows : In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below are the results of that investigation. XXXX XXXXVERIFIED AS REPORTED Maintenance was performed on the following accounts and/or public records.","date_sent_to_company":"2024-09-25T21:24:12.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"00678","tags":null,"has_narrative":true,"complaint_id":"10240591","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-25T21:24:09.000Z","state":"PR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["XXXX has processed your request and forwarded a copy of the <em>Investigation</em> Results through US mail. You should expect to receive those results in <em>approximately</em> 7 business <em>days</em>. In response to your request to block fraudulent information appearing on your credit report, we sent you a letter to inform you we were unable to block the information for the reason described in the letter and we <em>investigated</em> the information by contacting the creditors to verify the accuracy of the information."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[11.185987,"10240591"]},{"_index":"complaint-public-v1","_id":"14802709","_score":11.11203,"_source":{"product":"Student loan","complaint_what_happened":"Re : Complaint Regarding Unauthorized Loan Consolidation with Aidvantage Account Number : XXXXXXXX XXXX XXXX Dear Consumer Financial Protection Bureau : I am writing to submit a formal complaint against Aidvantage, my federal student loan servicer, for processing a Direct Consolidation Loan without my authorization and failing to reinstate my approved Income-Driven Repayment ( IDR ) plan upon request. \n\nBackground On XX/XX/year>, I applied for both a Direct Consolidation Loan consultation and an IDR plan, after being assured by an Aidvantage representative that no consolidation would occur unless I explicitly chose to move forward. \n\nShortly thereafter, my IDR plan was approved, reducing my required monthly payment to approximately {$300.00}. I immediately decided I did not wish to proceed with consolidation and did not sign a promissory note. \n\nOn XX/XX/year>, when I logged into Aidvantage to make my payment, I discovered my loan had been marked XXXX, raising my monthly obligation to nearly $ XXXX amount I can not afford given existing financial obligations. This year I had to drop health insurance for my family just to be able to pay the $ 200 monthly student loan payment so my wages would not be garnished. \n\nThe XXXX XXXX XXXX website still shows my consolidation application as XXXX, confirming that no valid promissory note was signed. \n\nAttempts to Resolve I have contacted Aidvantage multiple times ( most recently on XXXX [ XXXX ], XXXX ), requesting that they cancel the consolidation application and restore my IDR payment schedule. Each time, I was told they are unable or unwilling to assist, despite having clear federal regulations that permit consolidation cancellation prior to signing a promissory note. \n\nI also contacted the XXXX XXXX XXXX  Servicing Support Center, but they directed me back to Aidvantage without resolution. My financial hardship grows daily, and this error threatens wage garnishment, loss of health coverage, and severe emotional distress for myself and my daughter.\n\nRequested Relief Immediate withdrawal of the Direct Consolidation Loan application, effective as of the original application date. \n\nRestoration of my approved IDR plan with a monthly payment of approximately {$300.00}. \n\nAssurance that no adverse credit reporting or collection actions will occur while this matter is under review.\n\nPlease investigate this matter, as Aidvantages actions appear to violate the servicing rules governing federal student loans and the Consumer Financial Protection Acts prohibition against unfair loan servicing practices. I respectfully request a written response within 15 business days outlining the actions you will take to ensure my account is corrected and protected from further unauthorized changes. \n\nThank you for your prompt attention and assistance. I look forward to your confirmation that my consolidation application has been reversed and my IDR plan reinstated. \n\nSincerely, XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Enclosures : Screenshot of studentaid.gov showing Pending status","date_sent_to_company":"2025-07-22T19:43:14.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"43081","tags":null,"has_narrative":true,"complaint_id":"14802709","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2025-07-22T19:28:45.000Z","state":"OH","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["I respectfully request a written response within 15 business <em>days</em> outlining the actions you will <em>take</em> to ensure my <em>account</em> is corrected and protected from further unauthorized changes. \n\nThank you for your prompt attention and assistance. I look forward to your confirmation that my consolidation application has been reversed and my IDR plan reinstated. \n\nSincerely, XXXX XXXX XXXX XXXX <em>Account</em> Number : XXXX XXXX XXXX Enclosures : Screenshot of studentaid.gov showing Pending status"]},"sort":[11.11203,"14802709"]},{"_index":"complaint-public-v1","_id":"18056084","_score":10.973998,"_source":{"product":"Checking or savings account","complaint_what_happened":"Chime Dispute Handling Violation and Threat to Delete Dispute # XXXX Dear Consumer Financial Protection Bureau, I am writing to update my existing complaint filed on or around XX/XX/year>, regarding Chime 's handling of Dispute # XXXX for unauthorized transactions totaling approximately {$760.00} with XXXX on XX/XX/year>. This update details a recent interaction that demonstrates further violations of consumer protection laws, including potential abusive practices under your oversight. \n\nBackground on the Dispute : - On XX/XX/year>, I filed the dispute in the Chime app for non-receipt of goods due to immediate hacking and deletion of my XXXX account. \n- Around XX/XX/year>, I requested and Chime reclassified the dispute as unauthorized charges, supported by an email from XXXX confirming unauthorized activity and advising me to dispute with my bank. \n- On XX/XX/year>, Chime issued a chargeback to XXXX. \n- Despite strong evidence, Chime has refused to issue a provisional credit, which appears to violate Regulation E ( 12 CFR 1005.11 ) requiring such credit if the investigation exceeds 10 business days for unauthorized claims. \n- As of XX/XX/year>, over 55 days have passed since filing, with no resolution or meaningful updates, causing significant financial hardship. \n\nRecent Incident : On XX/XX/year>, I called Chime support ( XXXX ) to inquire about the chargeback status and provisional credit. After escalation, I spoke with a supervisor who was uncooperative, provided no substantive information on the dispute 's progress, and appeared to manipulate the conversation by dismissing my concerns without addressing the facts or timelines. Frustrated by this incompetence, I used the word \" XXXX '' once to describe her responses, as they seemed evasive and unhelpful. \n\nIn response, the supervisor threatened to delete or close my dispute entirely due to my language. This threat was inappropriate and retaliatory, as it directly impeded my right to a fair investigation under Regulation E. Chime can not arbitrarily terminate a valid unauthorized dispute based on customer frustration during a call, especially when the supervisor 's handling contributed to the escalation. This conduct may constitute an unfair, deceptive, or abusive act or practice ( UDAAP ) under the Consumer Financial Protection Act, as it hinders consumers from exercising their rights and takes unreasonable advantage during a vulnerable situation.\n\nI have documented the call details and previously submitted escalation messages through the Chime app, demanding resolution by XX/XX/year>. Chime 's ongoing delays, denial of provisional credit, and this threat exacerbate the issue, violating federal protections for electronic fund transfers Thank you for your attention to this matter. I appreciate the CFPB 's role in protecting consumers and look forward to a swift resolution.","date_sent_to_company":"2025-12-15T22:07:35.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"902XX","tags":null,"has_narrative":true,"complaint_id":"18056084","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-12-15T21:52:14.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["- Despite strong evidence, Chime has refused to issue a provisional credit, which appears to violate Regulation E ( 12 CFR 1005.11 ) requiring such credit if the <em>investigation</em> exceeds 10 business <em>days</em> for unauthorized claims. \n- As of XX/XX/year>, over 55 <em>days</em> have passed since filing, with no resolution or meaningful updates, causing significant financial hardship."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[10.973998,"18056084"]},{"_index":"complaint-public-v1","_id":"14948780","_score":10.928558,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear Compliance Officer, I am writing to formally lodge a complaint against Axos Bank regarding the mishandling of my newly opened savings and checking accounts, undue and ongoing holding of funds, and overall poor customer service. This situation has caused significant financial inconvenience and appears to reflect failures in Axos Bank 's internal compliance and verification procedures. \n________________________________________ Account and Customer Details Name : XXXX XXXX Phone : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, GA XXXX Savings Account Number : XXXX Chequing Account Number : XXXX Case Numbers : XXXX ________________________________________ Timeline and Key Facts On XX/XX/year>, I opened a high-yield savings accountwith Axos Bank via XXXX, attracted by the advertised XXXX XXXX interest rate. \nDuring the account setup, I accurately provided my identity and XXXX residence status. I clearly indicated that I am a XXXX citizen on a valid TN XXXX, with an active I-94a status I selected during the application process.\n\nAfter funding the accounts via ACH transfer from my XXXX XXXX XXXX account, I was asked to upload my Georgia drivers license, which I provided promptly. \nA few days later, I was unexpectedly asked to provide either a U.S. passport or green carddocuments I do not possess. I reiterated that I am legally residing and working in the U.S. under a valid TN visa, which had already been disclosed during application. \n________________________________________ Unacceptable Handling and Miscommunication Following my clarification, I contacted customer service multiple times. I was informed that my visa status made me ineligible for the product and that the account would be closed with funds returned via ACH within XXXX  hours.\n\nHowever, no such action was taken. On follow-up, I was told no closure was initiated, and I was instead issued two new case numbers, with a new claim that the funds would be returned by mailed check in approximately XXXX business days.\n\nMeanwhile, my Axos accounts remain restricted, and I have no access to my fundsor any ability to take further action on the accounts. This inconsistency and failure to act promptly and transparently is unacceptable.\n\n________________________________________ Compliance and Customer Protection Concerns Improper acceptance of deposit fundswithout accurately verifying eligibility criteria at the onboarding stage. \nUnjustified delay in returning my funds, now held for over XXXX weeks, with contradictory explanations from your representatives. \nLack of transparency, and inconsistent or misleading communication by customer service. \nUnfair treatment and disregard for due process, despite my full compliance with document requests and legal presence in the U.S.\n\n________________________________________ Action Requested I request immediate action and written confirmation of the following : Full release and return of my funds via ACHto my XXXX  XXXX XXXX account as originally promised. \nConfirmation that both accounts are closed, with no future charges or holds. \nA formal explanation of how this mishandling occurred, and what corrective actions will be taken.\n\nA copy of Axos Banks internal complaint escalation policy.\n\nDue to the gravity and lack of resolution despite my multiple attempts, I am also submitting this complaint to the Federal Deposit Insurance Corporation ( FDIC ) for further investigation and oversight. \nPlease treat this as a formal complaint and respond within XXXX business days. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Apt XXXX XXXX, GA XXXX","date_sent_to_company":"2025-07-29T20:42:48.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"30097","tags":null,"has_narrative":true,"complaint_id":"14948780","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AXOS FINANCIAL, INC.","date_received":"2025-07-29T20:38:46.000Z","state":"GA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["On follow-up, I was told no closure was initiated, and I was instead issued two new case numbers, with a new claim that the funds would be returned by mailed check in <em>approximately</em> XXXX business <em>days</em>.\n\nMeanwhile, my Axos <em>accounts</em> remain restricted, and I have no access to my fundsor any ability to <em>take</em> further action on the <em>accounts</em>."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Savings <em>account</em>"]},"sort":[10.928558,"14948780"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":146,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":146}]}},"product":{"doc_count":146,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":40,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":32},{"key":"Savings account","doc_count":5},{"key":"Other banking product or service","doc_count":2},{"key":"CD (Certificate of Deposit)","doc_count":1}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":27,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":26},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":18,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":18}]}},{"key":"Debt collection","doc_count":18,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":5},{"key":"Other debt","doc_count":5},{"key":"Medical debt","doc_count":4},{"key":"Rental debt","doc_count":2},{"key":"Credit card","doc_count":1},{"key":"I do not know","doc_count":1}]}},{"key":"Credit card","doc_count":12,"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":11},{"key":"Store credit card","doc_count":1}]}},{"key":"Credit card or prepaid card","doc_count":7,"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":7}]}},{"key":"Mortgage","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":4},{"key":"FHA mortgage","doc_count":1},{"key":"Home equity loan or line of credit (HELOC)","doc_count":1},{"key":"Other type of mortgage","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Domestic (US) money transfer","doc_count":3},{"key":"Virtual currency","doc_count":2},{"key":"Traveler's check or cashier's check","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":3}]}},{"key":"Bank account or service","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":2}]}},{"key":"Debt or credit management","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit repair services","doc_count":1},{"key":"Debt settlement","doc_count":1}]}},{"key":"Credit reporting","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":1}]}},{"key":"Prepaid card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Payroll card","doc_count":1}]}},{"key":"Student loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":1}]}}]}},"issue":{"doc_count":146,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Managing an account","doc_count":23,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Deposits and withdrawals","doc_count":12},{"key":"Problem using a debit or ATM card","doc_count":4},{"key":"Banking errors","doc_count":2},{"key":"Funds not handled or disbursed as instructed","doc_count":2},{"key":"Cashing a check","doc_count":1},{"key":"Problem accessing account","doc_count":1},{"key":"Problem making or receiving payments","doc_count":1}]}},{"key":"Incorrect information on your report","doc_count":22,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account information incorrect","doc_count":9},{"key":"Information belongs to someone else","doc_count":8},{"key":"Account status incorrect","doc_count":5}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":12,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":11},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":1}]}},{"key":"Problem with a lender or other company charging your account","doc_count":12,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":10},{"key":"Can't stop withdrawals from your account","doc_count":1},{"key":"Money was taken from your account on the wrong day or for the wrong amount","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":4},{"key":"Was not notified of investigation status or results","doc_count":4},{"key":"Problem with personal statement of dispute","doc_count":1}]}},{"key":"Problem with a purchase shown on your statement","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":7},{"key":"Card was charged for something you did not purchase with the card","doc_count":2}]}},{"key":"Attempts to collect debt not owed","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":5},{"key":"Debt was paid","doc_count":3}]}},{"key":"Fraud or scam","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Trouble during payment process","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Fees charged","doc_count":1},{"key":"Trying to communicate with the company to fix an issue while managing or servicing your loan","doc_count":1}]}},{"key":"Written notification about debt","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive enough information to verify debt","doc_count":4}]}},{"key":"False statements or representation","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":3}]}},{"key":"Getting a credit card","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card opened without my consent or knowledge","doc_count":2},{"key":"Application denied","doc_count":1}]}},{"key":"Improper use of your report","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":3}]}},{"key":"Struggling to pay mortgage","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Foreclosure","doc_count":2}]}},{"key":"Fees or interest","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with fees","doc_count":2}]}},{"key":"Problem caused by your funds being low","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Bounced checks or returned payments","doc_count":1},{"key":"Non-sufficient funds and associated fees","doc_count":1}]}},{"key":"Took or threatened to take negative or legal action","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Threatened or suggested your credit would be damaged","doc_count":2}]}},{"key":"Trouble using your card","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Can't use card to make purchases","doc_count":2}]}},{"key":"Using a debit or ATM card","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Advertising and marketing, including promotional offers","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive advertised or promotional terms","doc_count":1}]}},{"key":"Charged fees or interest you didn't expect","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Charged upfront or unexpected fees","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Closing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":1}]}},{"key":"Closing your account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":1}]}},{"key":"Credit reporting company's investigation","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"No notice of investigation status/result","doc_count":1}]}},{"key":"Dealing with your lender or servicer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trouble with how payments are being handled","doc_count":1}]}},{"key":"Getting a loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Fraudulent loan","doc_count":1}]}},{"key":"Opening an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive terms that were advertised","doc_count":1}]}},{"key":"Other features, terms, or problems","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with customer service","doc_count":1}]}},{"key":"Problem with fraud alerts or security freezes","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Repossession","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Notice to repossess","doc_count":1}]}},{"key":"Taking/threatening an illegal action","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Threatened to sue on too old debt","doc_count":1}]}},{"key":"Unauthorized withdrawals or charges","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Unexpected or other fees","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Wrong amount charged or received","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":146,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":141},{"key":"No","doc_count":5}]}},"company_response":{"doc_count":146,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":109},{"key":"Closed with monetary relief","doc_count":19},{"key":"Closed with non-monetary relief","doc_count":18}]}},"submitted_via":{"doc_count":146,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":146}]}},"company":{"doc_count":146,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":17},{"key":"EQUIFAX, INC.","doc_count":13},{"key":"CITIBANK, N.A.","doc_count":10},{"key":"WELLS FARGO & COMPANY","doc_count":10},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":7},{"key":"Experian Information Solutions Inc.","doc_count":7},{"key":"JPMORGAN CHASE & CO.","doc_count":7},{"key":"Chime Financial Inc","doc_count":4},{"key":"AMERICAN EXPRESS COMPANY","doc_count":3},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":3},{"key":"PNC Bank N.A.","doc_count":3},{"key":"UNITED SERVICES AUTOMOBILE ASSOCIATION","doc_count":3},{"key":"BARCLAYS BANK DELAWARE","doc_count":2},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":2},{"key":"CITIZENS FINANCIAL GROUP, INC.","doc_count":2},{"key":"GOLDMAN SACHS BANK USA","doc_count":2},{"key":"Lockhart, Morris & Montgomery Inc.","doc_count":2},{"key":"Paypal Holdings, Inc","doc_count":2},{"key":"ProCollect, Inc.","doc_count":2},{"key":"SYNCHRONY FINANCIAL","doc_count":2},{"key":"TRUIST FINANCIAL CORPORATION","doc_count":2},{"key":"ALLY FINANCIAL INC.","doc_count":1},{"key":"AXOS FINANCIAL, INC.","doc_count":1},{"key":"BANK OF NEW YORK MELLON CORPORATION, THE","doc_count":1},{"key":"BBVA FINANCIAL CORPORATION","doc_count":1},{"key":"Block, Inc.","doc_count":1},{"key":"Bread Financial Holdings, Inc.","doc_count":1},{"key":"Carvana Group, LLC","doc_count":1},{"key":"Conduent Incorporated","doc_count":1},{"key":"DEBT 0, INC","doc_count":1},{"key":"Ditech Financial LLC","doc_count":1},{"key":"FIFTH THIRD FINANCIAL CORPORATION","doc_count":1},{"key":"Fay Servicing, LLC","doc_count":1},{"key":"First Technology Federal Credit Union","doc_count":1},{"key":"Genpact Limited","doc_count":1},{"key":"HCFS Healthcare Financial Services of TeamHealth","doc_count":1},{"key":"HSBC NORTH AMERICA HOLDINGS INC.","doc_count":1},{"key":"HUNTINGTON NATIONAL BANK, THE","doc_count":1},{"key":"HYUNDAI CAPITAL AMERICA","doc_count":1},{"key":"Klarna AB","doc_count":1},{"key":"Kriya Capital, LLC","doc_count":1},{"key":"Leafy Financial, LLC","doc_count":1},{"key":"Maximus Federal Services, Inc.","doc_count":1},{"key":"Medical Business Bureau","doc_count":1},{"key":"NRA Group, LLC","doc_count":1},{"key":"Netspend Corporation","doc_count":1},{"key":"PayTomorrow, LLC","doc_count":1},{"key":"Payward Ventures Inc. dba Kraken","doc_count":1},{"key":"RAS LaVrar, LLC","doc_count":1},{"key":"Relay Financial (US), Corp.","doc_count":1},{"key":"SELECT PORTFOLIO SERVICING, INC.","doc_count":1},{"key":"SERVICEMAC, LLC","doc_count":1},{"key":"SUNTRUST BANKS, INC.","doc_count":1},{"key":"Self Financial Inc.","doc_count":1},{"key":"Shellpoint Partners, LLC","doc_count":1},{"key":"Summit A*R, Inc.","doc_count":1},{"key":"T.S. Holdings","doc_count":1},{"key":"TCF NATIONAL BANK","doc_count":1},{"key":"TD BANK US HOLDING COMPANY","doc_count":1},{"key":"The Outsource Group, Inc","doc_count":1},{"key":"U.S. BANCORP","doc_count":1},{"key":"Winklevoss Exchange LLC","doc_count":1}]}},"state":{"doc_count":146,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FL","doc_count":21},{"key":"GA","doc_count":16},{"key":"CA","doc_count":14},{"key":"TX","doc_count":14},{"key":"NY","doc_count":10},{"key":"PA","doc_count":10},{"key":"AZ","doc_count":7},{"key":"MD","doc_count":7},{"key":"TN","doc_count":5},{"key":"VA","doc_count":5},{"key":"IL","doc_count":3},{"key":"MN","doc_count":3},{"key":"NC","doc_count":3},{"key":"NJ","doc_count":3},{"key":"WA","doc_count":3},{"key":"MI","doc_count":2},{"key":"PR","doc_count":2},{"key":"SC","doc_count":2},{"key":"AK","doc_count":1},{"key":"AL","doc_count":1},{"key":"CO","doc_count":1},{"key":"DC","doc_count":1},{"key":"ID","doc_count":1},{"key":"KY","doc_count":1},{"key":"MA","doc_count":1},{"key":"MO","doc_count":1},{"key":"MS","doc_count":1},{"key":"MT","doc_count":1},{"key":"NM","doc_count":1},{"key":"OH","doc_count":1},{"key":"UT","doc_count":1},{"key":"WV","doc_count":1}]}},"company_public_response":{"doc_count":146,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":66},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":8},{"key":"Company chooses not to provide a public response","doc_count":2},{"key":"Company believes complaint is the result of an isolated error","doc_count":1},{"key":"Company believes complaint represents an opportunity for improvement to better serve consumers","doc_count":1}]}},"tags":{"doc_count":146,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":14},{"key":"Older American","doc_count":6},{"key":"Older American, Servicemember","doc_count":4}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[10.928558,"14948780"],"3":[8.716953,"6298836"],"4":[7.285251,"10575576"],"5":[5.8181005,"8574344"],"6":[5.0780334,"8758170"]}}}