{"took":788,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":466,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"20110238","_score":21.206203,"_source":{"product":"Checking or savings account","complaint_what_happened":"CFPB Complaint Draft Failure to Explain Fraud Investigation Process Subject : Wells Fargo failed to explain what their fraud investigation entails, what evidence is reviewed, or what the customer should expect. \n\nDetails : At no point during my fraud dispute did Wells Fargo explain what their fraud investigation process includes or what evidence they typically review. I was not informed of : what steps a fraud investigation involves what evidence Wells Fargo normally examines what information I was expected to provide what timelines apply what rights I had during the investigation what Wells Fargos obligations were Instead, I was left to figure out the entire process on my own. Representatives provided scripted statements, inconsistent information, and no meaningful guidance. I repeatedly asked what evidence would be reviewed, whether the ATM deposit would be examined, and whether the receiving account would be investigated. I was never given clear answers. \n\nThis lack of explanation directly contributed to Wells Fargos inaccurate determinations. For example, the bank never reviewed the ATM deposit I made on XX/XX/XXXX, never investigated the Wells Fargoopened account that received the stolen funds, and never fulfilled the judgesigned warrant issued to them. Had Wells Fargo explained their process, I would have known immediately that these steps were being skipped. \n\nImpact : The failure to explain the investigation process caused confusion, delays, and prevented me from understanding what information Wells Fargo needed. It also prevented me from identifying early on that key evidence was not being reviewed. This omission contributed to repeated inaccurate determinations and ongoing harm.","date_sent_to_company":"2026-03-09T22:50:48.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"82009","tags":null,"has_narrative":true,"complaint_id":"20110238","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-03-09T22:46:49.000Z","state":"WY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["CFPB Complaint Draft Failure to Explain Fraud <em>Investigation</em> Process Subject : <em>Wells</em> Fargo failed to explain <em>what</em> their fraud <em>investigation</em> entails, <em>what</em> <em>evidence</em> is reviewed, or <em>what</em> the customer should expect. \n\nDetails : At no point during my fraud dispute did <em>Wells</em> Fargo explain <em>what</em> their fraud <em>investigation</em> process includes or <em>what</em> <em>evidence</em> they typically review."],"company":["<em>WELLS</em> FARGO & COMPANY"]},"sort":[21.206203,"20110238"]},{"_index":"complaint-public-v1","_id":"7837164","_score":18.677107,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Request for Evidence and Resolution of Unauthorized Transaction I hope this letter finds you well. My name is XXXX XXXX, and I am writing to address a matter of utmost importance concerning an unauthorized transaction that occurred on XX/XX/2023, involving my Wells Fargo account. \n\nOn the aforementioned date, an unauthorized transaction amounting to nearly {$25000.00} was debited from my account. What deeply concerns me is that I received a call from Wells Fargo during which I underwent an authentication process to approve the transaction. However, I wish to emphasize that I did not provide any form of consent or authorization for this transaction, nor did I initiate it in any capacity. \n\nIn response to this incident, I promptly reported the fraudulent activity to your customer support team, expecting a thorough investigation into the matter. Regrettably, I was informed that the case had been closed following an investigation, with no change in the conclusion, and a noticeable lack of substantial evidence to support their findings. Despite my repeated requests, Wells Fargo has been unwilling to provide the evidence I have demanded to corroborate their stance. \n\nI understand that there have been cases of fraudsters duplicating phone numbers and authentication methods. However, I must emphasize that during the call in question, I was told that the call was from Wells Fargo, it originated from Wells Fargo 's official phone number, and it employed Wells Fargo 's established authentication system. Given these circumstances, it is reasonable for me to seek evidence that this transaction was not initiated by Wells Fargo. They will not provide that evidence to me! \n\nAs a loyal and long-standing customer of Wells Fargo , I have entrusted the safety and security of my financial matters to then institution for a significant period of time. This unfortunate incident has severely shaken my trust in the institution. Therefore, I implore you to revisit my case with unwavering commitment to resolve this issue and to restore the financial resources that were wrongfully taken from my account without my knowledge or consent. \n\nI kindly request that Wells Fargo conduct a comprehensive reevaluation of the evidence at hand, reexamine the details of the investigation, and take the necessary measures to reinstate the funds to my account unless definitive evidence emerges that proves my involvement in the unauthorized transaction. Additionally, I earnestly request consistent updates and transparent communication throughout this review process. \n\nAlthough they say they have concluded their research they have yet to prove to me that they, Wells Fargo, did not commit this fraud. Please require Wells Fargo to provide that evidence. \n\nThis has devastated my life! \n\nSincerely, XXXX XXXX","date_sent_to_company":"2023-11-11T21:55:39.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"85379","tags":null,"has_narrative":true,"complaint_id":"7837164","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-11-11T21:37:59.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I kindly request that <em>Wells</em> Fargo conduct a comprehensive reevaluation of the <em>evidence</em> at hand, reexamine the details of the <em>investigation</em>, and take the necessary measures to reinstate the funds to my account unless definitive <em>evidence</em> emerges that proves my <em>involvement</em> in the unauthorized transaction. Additionally, I earnestly request consistent updates and transparent communication throughout this review process."],"company":["<em>WELLS</em> FARGO & COMPANY"]},"sort":[18.677107,"7837164"]},{"_index":"complaint-public-v1","_id":"8196236","_score":18.109343,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am writing to address a matter of utmost importance concerning an unauthorized transaction that occurred on XXXX XXXX XXXX involving my Wells Fargo account. \n\nOn the aforementioned date, an unauthorized transaction amounting to nearly {$25000.00} was debited from my account. What deeply concerns me is that I received a call from Wells Fargo during which I underwent an authentication process to approve the transaction. However, I wish to emphasize that I did not provide any form of consent or authorization for this transaction, nor did I initiate it in any capacity. \n\nIn response to this incident, I promptly reported the fraudulent activity to their customer support team, expecting a thorough investigation into the matter. Regrettably, I was informed that the case had been closed following an investigation, with no change in the conclusion, and a noticeable lack of substantial evidence to support their findings. Despite my repeated requests, Wells Fargo has been unwilling to provide the evidence I have demanded to corroborate their stance. \n\nI understand that there have been cases of fraudsters duplicating phone numbers and authentication methods. However, I must emphasize that during the call in question, I was told that the call was from Wells Fargo, it originated from Wells Fargo 's official phone number, and it employed Wells Fargo 's established authentication system. Given these circumstances, it is reasonable for me to seek evidence that this transaction was not initiated by Wells Fargo. \n\nAs a loyal and long-standing customer of Wells Fargo XXXX XXXX have entrusted the safety and security of my financial matters to your institution for a significant period of time. This unfortunate incident has severely shaken my trust in the institution. Therefore, I implore you to revisit my case with unwavering commitment to resolve this issue and to restore the financial resources that were wrongfully taken from my account without my knowledge or consent. \n\nI kindly request that Wells Fargo conduct a comprehensive reevaluation of the evidence at hand, reexamine the details of the investigation, and take the necessary measures to reinstate the funds to my account unless definitive evidence emerges that proves my involvement in the unauthorized transaction. Additionally, I earnestly request consistent updates and transparent communication throughout this review process. \n\nDespite numerous complaints with the CFPB and Wells Fargo they will not prove to me that they were not involved in this fraudulent activity. I am told by Wells Fargo that they were not involved but offer no proof. \n\nThank you for your understanding and cooperation in resolving this matter promptly. I eagerly await your response and a satisfactory resolution. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-01-21T23:16:53.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"85379","tags":null,"has_narrative":true,"complaint_id":"8196236","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-01-21T23:02:13.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I kindly request that <em>Wells</em> Fargo conduct a comprehensive reevaluation of the <em>evidence</em> at hand, reexamine the details of the <em>investigation</em>, and take the necessary measures to reinstate the funds to my account unless definitive <em>evidence</em> emerges that proves my <em>involvement</em> in the unauthorized transaction. Additionally, I earnestly request consistent updates and transparent communication throughout this review process."],"company":["<em>WELLS</em> FARGO & COMPANY"]},"sort":[18.109343,"8196236"]},{"_index":"complaint-public-v1","_id":"7288678","_score":17.671265,"_source":{"product":"Checking or savings account","complaint_what_happened":"I hope this message finds you well. My name is XXXX, and I am writing to address a distressing incident that occurred on XX/XX/2023, involving my Wells Fargo account. \n\nOn that date, an unauthorized transaction amounting to nearly {$25000.00} was processed from my account. What deeply concerns me is that I received a call from Wells Fargo, during which I was purportedly authenticated to authorize the transaction. However, I want to firmly state that I did not provide any such authorization, nor did I initiate the transaction in question. \n\nSubsequently, I promptly reported the fraudulent activity to your customer support, expecting a thorough investigation into the matter. Regrettably, I was informed that the case has been closed after an investigation, with no change in the decision and a lack of adequate proof to support their findings. I have repeatedly requested evidence from Wells Fargo to demonstrate that they did not commit the fraud, but my appeals have been met with refusal to provide such documentation. \n\nTo further substantiate my claim, I can present evidence showing that the call originated from Wells Fargo 's official phone number and authentication system. Given this information, it is only natural for me to believe that I fell victim to a scam orchestrated within Wells Fargo 's own systems. \n\nAs a loyal customer, I have placed my trust in Wells Fargo for many years, and this unfortunate incident has left me feeling devastated. I firmly believe that the responsibility lies with Wells Fargo to ensure the security and integrity of their customers ' accounts. Therefore, I earnestly request that you review my case once more, with a genuine commitment to resolving this matter and restoring the funds that were taken from me without authorization. \n\nI implore you to conduct a comprehensive investigation, reevaluate the evidence, and take the necessary steps to return the funds to my account unless clear evidence emerges to prove my involvement in the unauthorized transaction. Additionally, I kindly ask for timely updates and open communication during the course of this review. \n\nI hope for a swift resolution to this distressing situation so that I may regain trust in the institution I once held in high regard. I trust that Wells Fargo will act diligently and responsibly in addressing this matter. \n\nThank you for your attention to this urgent issue. I look forward to your prompt response and a satisfactory resolution. \n\nSincerely, XXXX","date_sent_to_company":"2023-07-23T22:55:16.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"85379","tags":null,"has_narrative":true,"complaint_id":"7288678","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-07-23T22:50:41.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I hope this message finds you <em>well</em>. My name is XXXX, and I am writing to address a distressing incident that occurred on XX/XX/2023, <em>involving</em> my <em>Wells</em> Fargo account. \n\nOn that date, an unauthorized transaction amounting to nearly {$25000.00} was processed from my account. <em>What</em> deeply concerns me is that I received a call from <em>Wells</em> Fargo, during which I was purportedly authenticated to authorize the transaction."],"company":["<em>WELLS</em> FARGO & COMPANY"]},"sort":[17.671265,"7288678"]},{"_index":"complaint-public-v1","_id":"12593198","_score":17.18223,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX XXXX XXXX. XXXX XXXX XXXX TEXAS XXXX XXXX # XXXX Subject : Formal Dispute Lack of Evidence in Fraud Investigation & Request for Refund To Whom It May Concern, I am writing to formally dispute the unauthorized transactions on my account and to demand an explanation as to why Wells Fargo has failed to provide physical evidence supporting its decision. Rather than relying on assumptions or beliefs about what happened, I expect tangible proof, including but not limited to : ATM surveillance footage showing me making the withdrawals Records proving that my phone number or voice was used to activate or authorize the debit card transactions Any other verifiable evidence linking me to these fraudulent transactions If Wells Fargo can not produce such evidence, then your investigation is incomplete and not legitimate. I was not present at the location where the fraud occurred and was, in fact, four hours away at the time. I can provide evidence of my location during the fraudulent activity, and I request that my documentation be reviewed as part of this investigation.\n\nAs a financial institution, it is Wells Fargos responsibility to conduct a thorough and fair investigation. Without definitive proof of my involvement, the appropriate course of action is to return the stolen funds to my account immediately. Failing to do so violates my rights under the Electronic Fund Transfer Act ( EFTA ) and other consumer protection laws. \n\nI request a written response detailing your final decision, along with any supporting documentation you have used to reach your conclusion. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. \n\nPlease respond within 10 business days to avoid further action.","date_sent_to_company":"2025-03-21T16:19:50.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"75216","tags":null,"has_narrative":true,"complaint_id":"12593198","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-03-21T16:14:11.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["I can provide <em>evidence</em> of my location during the fraudulent activity, and I request that my documentation be reviewed as part of this <em>investigation</em>.\n\nAs a financial institution, it is <em>Wells</em> Fargos responsibility to conduct a thorough and fair <em>investigation</em>. Without definitive proof of my <em>involvement</em>, the appropriate course of action is to return the stolen funds to my account immediately."],"company":["<em>WELLS</em> FARGO & COMPANY"]},"sort":[17.18223,"12593198"]},{"_index":"complaint-public-v1","_id":"8424459","_score":17.013422,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to report a distressing incident involving unauthorized withdrawal and fraudulent activity on my Wells Fargo checking account ending in XXXX. On XX/XX/XXXX, {$2000.00} was unlawfully withdrawn without my knowledge or consent. \n\nDespite my immediate action to report the incident to Wells Fargo and provide detailed information, including dates, amounts, and account specifics, they closed my case without addressing the clear evidence of fraud. Additionally, further investigation revealed unauthorized phone transfers from my savings and the use of a new debit card I never received. \n\nWhat is particularly alarming is that Wells Fargo 's security protocols, which typically alert me to withdrawals over {$500.00}, failed to function in this instance, raising serious concerns about their ability to safeguard customer accounts. \n\nI seek your urgent intervention to rectify this situation, ensure a thorough investigation, and hold Wells Fargo accountable for reimbursing the stolen funds and implementing robust security measures to prevent such incidents in the future. \n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2024-02-26T22:21:41.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"8424459","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-02-26T22:02:27.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Despite my immediate action to report the incident to <em>Wells</em> Fargo and provide detailed information, including dates, amounts, and account specifics, they closed my case without addressing the clear <em>evidence</em> of fraud. Additionally, further <em>investigation</em> revealed unauthorized phone transfers from my savings and the use of a new debit card I never received."],"company":["<em>WELLS</em> FARGO & COMPANY"]},"sort":[17.013422,"8424459"]},{"_index":"complaint-public-v1","_id":"19911258","_score":15.8918295,"_source":{"product":"Checking or savings account","complaint_what_happened":"Summary : At XXXX XXXX today, I received an unauthorized phone call from XXXX [ last name unknown ] at Wells Fargo, despite my explicit written demand for no phone contact due to an active XXXX investigation. During this call, she closed XXXX open CFPB complaints that she acknowledged were still active. I did not authorize closure. Wells Fargo has still produced XXXX evidence regarding my missing {$17000.00} ATM deposit, despite an active search warrant and direct contact from law enforcement. \n\n-- - Core Issues XXXX. Unauthorized phone contact during an XXXX criminal investigation I have repeatedly instructed Wells Fargo to communicate in writing only. \nThere is an open search warrant issued XX/XX/XXXX, and all communication must be documented. \nDespite this, XXXX called me at XXXX XXXX today. \n\nXXXX. Premature and improper closure of XXXX active CFPB complaints During the unauthorized call, XXXX acknowledged the XXXX open complaints and then closed both immediately afterward. \nI was not given : an opportunity to rebut, an opportunity to submit evidence, or any explanation for closure. \nThis is a pattern Wells Fargo has used to avoid written accountability. \n\n\nXXXX. Failure to comply with a valid search warrant Wells Fargo has failed to produce any of the evidence required by the warrant, including : ATM footage, electronic journals, cash logs, reconciliation reports, machine ID trace data, or any documentation showing what happened to my {$17000.00} deposit. \n\n\nXXXX. Contradictory and implausible statements about ATM traceability Wells Fargo XXXX have repeatedly claimed they can not find my ATM deposit unless I provide a full name or account number. \nATM deposits are electronically traceable by : timestamp, machine ID, sequence number, cash intake logs, and internal balancing reports. \nWells Fargo has produced none of this. \n\n\nXXXX. Law enforcement involvement ignored XXXX XXXX contacted Wells Fargo today regarding : the premature closures, the false claim that the ATM deposit can not be located, and the banks continued failure to produce evidence. \nWells Fargo has still provided nothing.","date_sent_to_company":"2026-03-02T22:57:45.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"82009","tags":null,"has_narrative":true,"complaint_id":"19911258","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-03-02T22:51:45.000Z","state":"WY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Law enforcement <em>involvement</em> ignored XXXX XXXX contacted <em>Wells</em> Fargo today regarding : the premature closures, the false claim that the ATM deposit can not be located, and the banks continued failure to produce <em>evidence</em>. \n<em>Wells</em> Fargo has still provided nothing."],"company":["<em>WELLS</em> FARGO & COMPANY"]},"sort":[15.8918295,"19911258"]},{"_index":"complaint-public-v1","_id":"21177152","_score":15.797302,"_source":{"product":"Credit card","complaint_what_happened":"What happened : This matter centers on Wells Fargos failure to evaluate the controlling evidence in a billing dispute : the transaction-dated sales documentation. \n\nOn XX/XX/XXXX, jewelry containing blue diamonds was purchased from XXXX XXXX  for approximately {$25000.00} using a Wells Fargo XXXX XXXX credit account. \n\nThe only reliable and verifiable record of what was disclosed at the time of sale is the transaction documentation provided at purchase, including the sales receipt, jewelry tags, and merchant appraisal. These documents do not contain any written disclosure that the blue diamonds were color-enhanced or treated. \n\nAfter the sale, an independent XXXX gemological report, obtained at my expense, confirmed that the diamonds are color-enhanced/ treated. This did not create the issue ; it revealed that a material characteristic affecting value existed but was not disclosed in the transaction documentation. \n\nOn XX/XX/XXXX, a billing dispute was opened with Wells Fargo for goods not as described. \n\nBetween XXXX and XX/XX/XXXX, Wells Fargo denied the dispute and multiple appeals. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, three separate complaints were filed with the CFPB due to the companys failure to address the absence of written disclosure. \n\nAcross all disputes and complaints, Wells Fargo did not identify any transaction-dated document showing that gemstone treatment was disclosed in writing at the time of sale. \n\nInstead of evaluating the actual sales documentation, Wells Fargo relied on merchant statements obtained after the transaction, interpretations of product descriptions, and appraisal-based arguments. These sources are not equivalent to the transaction record and do not establish what was disclosed at the time of purchase. \n\nThis is the central failure. \n\nRegulatory standards exist specifically to prevent this type of situation and to ensure consumer protection through verifiable documentation. These include : - Regulation Z ( 12 CFR 1026.13 ), requiring a reasonable investigation based on the transaction record - The Fair Credit Billing Act, requiring evaluation of whether goods were accurately described based on what was provided at the time of sale - FTC Jewelry Guides ( 16 CFR Part 23 ), requiring disclosure of gemstone treatments that materially affect value clearly and conspicuously at the time of sale These standards require that disclosure be made in writing at the time of the transaction so that it can be verified. They do not rely on recollection, interpretation, or statements made after the fact. \n\nIn this case : - The diamonds were confirmed to be treated by an independent XXXX report obtained after purchase - Treatment materially affects value - The transaction-dated sales documentation contains no written disclosure of treatment - Wells Fargo has not produced any document showing that such disclosure exists Wells Fargo also stated it could not determine what was discussed at the time of sale, yet still concluded the goods were properly described. When disclosure is required to be in writing, the transaction documentation is the controlling evidence. If the documentation does not contain the disclosure, then it was not disclosed. \n\nA reasonable investigation requires verification of disclosure within the transaction documentation. That did not occur. \n\nOn XX/XX/XXXX, Wells Fargo issued a final response maintaining its denial without identifying any transaction-dated document showing disclosure of gemstone treatment. \n\nTo date, across all internal disputes, appeals, and CFPB complaints, Wells Fargo has not produced any evidence demonstrating that the required disclosure occurred in the sales documentation. \n\nThe central issue remains unresolved : - A material characteristic affecting value ( treatment ) exists - Required written disclosure is absent from the transaction documentation - The investigation did not evaluate or resolve that absence By relying on post-sale statements instead of the documented transaction record, the investigation did not address the controlling evidence. \n\nGiven that the required disclosure must be verifiable in the transaction documentation and no such documentation has been identified, the determination appears unsupported by the record and raises concerns that the investigation did not meet the standards required under Regulation Z and the Fair Credit Billing Act for resolving billing disputes involving goods not as described.","date_sent_to_company":"2026-04-13T02:57:54.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"32778","tags":null,"has_narrative":true,"complaint_id":"21177152","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-04-13T02:11:36.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["<em>What</em> happened : This matter centers on <em>Wells</em> Fargos failure to evaluate the controlling <em>evidence</em> in a billing dispute : the transaction-dated sales documentation. \n\nOn XX/XX/XXXX, jewelry containing blue diamonds was purchased from XXXX XXXX  for approximately {$25000.00} using a <em>Wells</em> Fargo XXXX XXXX credit account."],"company":["<em>WELLS</em> FARGO & COMPANY"]},"sort":[15.797302,"21177152"]},{"_index":"complaint-public-v1","_id":"8064058","_score":15.774362,"_source":{"product":"Checking or savings account","complaint_what_happened":"CFPB and wells fargo failed to compete an investigation. Please see my detailed notes of wells fargo failing to include the documentation from the customer service representatives on multiple calls to wells fargo : Dear Consumer Financial Protection Bureau, I am writing to bring to your attention concerning issues I have encountered as a long-time customer of Wells Fargo for over 30 years. It appears that there are instances of predatory banking practices that warrant further investigation. On numerous occasions, I've experienced overdrafts, often coinciding with delayed deposits or what seems to be a deliberate holding of drafts to trigger overdrafts in my account. Additionally, Wells Fargo has acknowledged errors on their part, refunding charges only after my intervention. Without my proactive steps, these charges would have remained unjustly imposed. I am deeply concerned about the potential harm caused by such practices and believe that federal oversight is necessary to prevent similar instances from affecting other customers. I kindly request a thorough investigation into Wells Fargo 's banking practices to ensure accountability and safeguard the financial well-being of its customers. Thank you for your attention to this matter. \n\nView full complaint Sent to company STATUS Sent to company on XX/XX/XXXXXXXX We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nCompany responded STATUS Company responded on XXXX RESPONSE TYPE Closed with explanation Company 's Response Please see the attached Bank response. \nATTACHMENTS Final_Response_XXXX  ( 81.8 KB ) Feedback provided STATUS Feedback provided on XXXX Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS I am again writing to file a formal complaint against Wells Fargo for what I believe to be fraudulent banking practices that have adversely affected my account on several occasions. This has been document by the customer service agents and recorded yet Wells Fargo refuses to bring this evidence forward. Numerous times, I received notifications from Wells Fargo indicating that my funds were low, resulting in overdrafts. However, after numerous phone calls and diligent investigation, it was discovered that Wells Fargo was at fault, leading to the removal of the imposed overdraft charges. This incident has raised serious concerns regarding Wells Fargo 's banking practices, particularly in the handling of consumer funds. It appears that funds were inaccurately portrayed as low on several occasions, leading to unnecessary overdraft fees. This not only reflects poorly on the bank 's integrity but also raises questions about the security and accuracy of account information provided to consumers. Furthermore, I would like to bring to your attention that Wells Fargo has been previously investigated for similar practices. The bank has faced scrutiny for its handling of customer accounts, including cases where funds were held without proper justification, resulting in unauthorized withdrawals. This pattern of behavior is deeply troubling and requires a thorough investigation to protect consumers from potential financial harm. I kindly request the Consumer Financial Protection Bureau to conduct a comprehensive investigation into Wells Fargo 's banking practices on multiple dates and take appropriate actions to ensure the fair treatment of consumers. I believe that the evidence of inaccurate fund representation and the removal of overdraft charges substantiate the need for a thorough examination of Wells Fargo 's conduct in this matter. Thank you for your prompt attention to this matter, and I look forward to a resolution that ensures consumer protection and addresses the alleged fraudulent banking practices by Wells Fargo. \nI UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS Thank you for your detailed response. While I appreciate the information provided regarding overdraft fees, I must bring to your attention that my case involves recorded and documented phone calls to your customer service agents. These conversations not only support my claim of fraudulent banking practices but also challenge the accuracy of the charges imposed. I kindly request a thorough investigation into the specifics of these calls, as they serve as crucial evidence in demonstrating the inconsistencies in the overdraft fees charged from XXXX to XXXX. Your prompt attention to this matter is greatly appreciated. \nTHE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS While I acknowledge your efforts in addressing my concerns, I must assert that the provided information does not adequately reflect a thorough investigation into the recorded calls and documented complaints made to your customer service agents. In accordance with banking law, financial institutions are obligated to conduct comprehensive and impartial investigations into customer complaints, especially those involving potential fraudulent practices. The recorded calls and documented complaints submitted as part of my complaint serve as critical evidence that necessitates careful scrutiny. It is imperative that Wells Fargo, in compliance with banking regulations, thoroughly reviews the content of these recorded calls and documented complaints to ensure a fair and just resolution. Failure to do so would not only undermine the integrity of the investigation but also potentially violate the legal obligations incumbent upon financial institutions. I kindly request that Wells Fargo revisits the investigation process, giving due consideration to the evidence provided, and conducts a more exhaustive review of the recorded calls and documented complaints. This is crucial for an accurate determination of whether fraudulent banking practices have occurred. Your cooperation in this matter is appreciated, and I trust that Wells Fargo will uphold its commitment to regulatory compliance and customer satisfaction.","date_sent_to_company":"2023-12-27T17:54:25.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"55024","tags":null,"has_narrative":true,"complaint_id":"8064058","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-12-27T17:46:57.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["In accordance with banking law, financial institutions are obligated to conduct comprehensive and impartial <em>investigations</em> into customer complaints, especially those <em>involving</em> potential fraudulent practices. The recorded calls and documented complaints submitted as part of my complaint serve as critical <em>evidence</em> that necessitates careful scrutiny."],"company":["<em>WELLS</em> FARGO & COMPANY"]},"sort":[15.774362,"8064058"]},{"_index":"complaint-public-v1","_id":"17216599","_score":15.75815,"_source":{"product":"Checking or savings account","complaint_what_happened":"This complaint relates to a prior CFPB complaint I filed -- Wells Fargo Complaint ID # [ XXXX ] but I am submitting a new complaint because Wells Fargo has provided new written correspondence from their Executive Office that confirms they applied the wrong Regulation E standard.\n\nCFPB COMPLAINT NEW EVIDENCE FROM WELLS FARG\n\nO EXECUTIVE OFFICE I am submitting a new complaint because Wells Fargo sent me an Executive Office letter that confirms they are still applying incorrect Regulation E standards, and their second investigation did not comply with federal law.\n\nThis letter constitutes new evidence.\n\n1. Wells Fargo admits in writing they used the wrong 60-day rule The Executive Office letter states : Customers are responsible for reviewing their account statements and reporting claims within 60 days after the statement was mailed or made available.\n\nThis directly contradicts 12 CFR 1005.6 ( b ) ( 3 ), which says the 60-day period begins when the consumer first becomes aware of the unauthorized electronic fund transfer.\n\nTheir own letter proves that Wells Fargo is still applying an incorrect standard.\n\n2. Wells Fargo wrongly classified the claim as a merchant dispute The Executive Office letter states : As such, we concluded this is a dispute between you and the merchant.\n\nThis is incorrect.\n\nRegulation E requires the bank not the consumer to investigate unauthorized EFTs regardless of merchant involvement.\n\nClassifying an unauthorized debit as a merchant dispute is a Regulation E violation.\n\n3. They still did not provide the full investigation file The Executive Office letter states they completed research, but the only documents enclosed were the previous claim letters.\n\nThey did not provide : the evidence they relied upon proof of my authorization transaction logs internal investigation notes any of the documents required under 12 CFR 1005.11 ( d ) This violates the requirement to provide the documentation relied upon when denying a claim.\n\n4. Their second investigation was not an investigation at all After receiving additional evidence from me, the bank : did not correct the legal standard did not reconsider the timeline based on date of discovery did not reevaluate the unauthorized transactions simply repeated the original denial This is not a good-faith investigation as required under Regulation E.\n\n5. The banks incorrect handling led to account closure and reporting to Early Warning Services My account was closed and reported to a consumer reporting agency because of an investigation the bank now confirms was completed under the wrong legal standard.\n\nThis has caused financial and reputational harm.\n\nWhat I am requesting : 1. A new, independent, Regulation-Ecompliant investigation.\n\n2. Review of the Executive Office letter as new evidence of a misapplied legal standard.\n\n3. The complete investigation file as required by law.\n\n4. Correction of any negative reporting to Early Warning Services.\n\n5. Restoration of the improperly reversed provisional credit.","date_sent_to_company":"2025-11-14T01:04:24.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"95382","tags":null,"has_narrative":true,"complaint_id":"17216599","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-11-14T00:41:19.000Z","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":["CFPB COMPLAINT NEW <em>EVIDENCE</em> FROM <em>WELLS</em> FARG\n\nO EXECUTIVE OFFICE I am submitting a new complaint because <em>Wells</em> Fargo sent me an Executive Office letter that confirms they are still applying incorrect Regulation E standards, and their second <em>investigation</em> did not comply with federal law.\n\nThis letter constitutes new <em>evidence</em>.\n\n1."],"company":["<em>WELLS</em> FARGO & COMPANY"]},"sort":[15.75815,"17216599"]},{"_index":"complaint-public-v1","_id":"22310134","_score":15.342245,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/XXXX Subject : CFPB Complaint ID : XXXX, XXXX Wells Fargo Case Number : XXXX CFPB Complaint Update Concerns Regarding Wells Fargo Safe Deposit Box Investigation Process , Repeated Case Closures, Claimed Authorization Issue, and Credit Card Cancellation Dear CFPB Representative , We respectfully submit this update regarding our ongoing complaint involving missing contents from my XXXX mothers Wells Fargo safe deposit box. \n\nOur family remains deeply concerned that Wells Fargo has not provided a meaningful, transparent, or independent review of this matter. Instead, Wells Fargo appears to have repeatedly closed or limited complaint reviews, issued boilerplate responses, and redirected responsibility back to the same XXXX branch involved in the events. \n\nThe missing contents were discovered on XX/XX/XXXX, shortly after a visit to the Wells Fargo XXXX branch to retrieve valuables from the safe deposit box. The matter was reported to the XXXX branch the same day, and a police report was promptly filed. Since then, our family has submitted extensive documentation, including inventories, affidavits, photographs, receipts, serial numbers, Power of Attorney documents, and supporting explanations. \n\nOne of our major concerns is Wells Fargos repeated position that it did not have permission to share information with the CFPB. My Power of Attorney authorizes me to handle my mothers financial matters and communicate with Wells Fargo on her behalf. In addition, our family filed complaints with the CFPB specifically to request the involvement of the government agency responsible for oversight of consumer financial matters involving banks. \n\nWe understand that Wells Fargo may have internal requirements for authorization. However, Wells Fargo has not clearly identified what specific separate form, signature, or authorization it claims is missing. Instead, the banks repeated closure or limitation of complaint reviews on this basis has the effect of preventing the CFPB from obtaining meaningful information, while leaving our family without substantive answers. \n\nWe respectfully ask the CFPB to require Wells Fargo to clearly identify any specific authorization it claims is needed, rather than allowing Wells Fargo to rely on a vague no permission explanation while avoiding a substantive response. \n\nOur concern is that Wells Fargos handling has not addressed the substance of the complaint. Specifically : 1. Wells Fargo has repeatedly closed or limited complaint reviews while stating that it did not have permission to share information with the CFPB ; 2. Our family has submitted Power of Attorney documents and has attempted to cooperate fully ; 3. Our family filed CFPB complaints to request government oversight and involvement ; 4. Wells Fargo has not clearly identified what exact additional document, form, or signature is supposedly needed ; 5. The repeated closures have the effect of preventing the CFPB from obtaining information from Wells Fargo ; 6. Wells Fargo continues to direct safe deposit box questions back to the Houston XXXX XXXX, while the branch has not provided any investigation updates to our family. \n\nWe are also concerned that the investigation does not appear sufficiently independent. The alleged loss occurred in connection with a safe deposit box at the branch, yet Wells Fargo continues to indicate that the branch is handling the claim directly. We respectfully believe that a matter involving alleged missing contents from a bank-controlled safe deposit environment should receive independent review by personnel or departments outside the branch directly involved. \n\nAnother serious concern is Wells Fargos slow and incomplete cooperation with law enforcement. The branch provided safe deposit box vault entry records to our family and the police but has not provided any surveillance videos and names of the staff members who assisted us with vault access during relevant visits. Wells Fargo should have records identifying which employees serviced customers at the vault. In a police investigation involving alleged missing safe deposit box contents, those records are highly relevant. \n\nIn addition to the safe deposit box matter, Wells Fargo later cancelled my mothers credit card. The cancellation letter listed reasons that appear inconsistent with my mothers actual financial and payment history. My mother had an excellent credit score at the time of card cancellation ; she also has sufficient equity, income, and savings to pay her debts. She has always paid on time. Her monthly payments on her Wells Fargo credit cards were many times above the minimum payment, if not paid in full. The particular Wells Fargo credit card that was cancelled reportedly carried no balance since XX/XX/XXXX. Therefore, Wells Fargos statement that her payments were too low relative to the Wells Fargo balance appears unreasonable and troubling. \n\nWe understand Wells Fargo may deny that the credit card cancellation had any connection to the safe deposit box dispute, police report, or CFPB complaint. However, the timing of the cancellation, during an unresolved safe deposit box investigation and active complaint process, creates a reasonable concern of possible adverse treatment after my mothers family raised serious concerns against Wells Fargo. We are not claiming proof of retaliation at this time, but we respectfully believe the timing and circumstances should be reviewed carefully and independently. \n\nThe credit card cancellation significantly affected my mothers credit profile and added additional emotional distress during an already difficult unresolved dispute with Wells Fargo. \n\nOur concerns are not limited solely to my mothers financial loss. This matter raises broader consumer protection concerns for elderly and vulnerable customers, including senior XXXX customers who may face language or cultural barriers and may not know how to defend themselves when valuables go missing from a safe deposit box they believed was protected by a major financial institution. \n\nWe respectfully request that the CFPB ask Wells Fargo to : 1. Explain why the complaint has been repeatedly closed or limited without meaningful findings ; 2. Identify exactly what authorization Wells Fargo claims is missing, if any, for communication with the CFPB ; 3. Confirm whether an independent department outside the branch is reviewing the safe deposit box matter ; 4. Preserve all relevant records, vault access logs, surveillance materials, employee handling records, and safe deposit procedures ; 5. Cooperate fully and promptly with law enforcement, including providing relevant staff names and requested evidence ; 6. Provide a clear explanation for the credit card cancellation in light of my mothers payment history and zero balance on the cancelled card since XX/XX/XXXX ; 7. Confirm whether the safe deposit box dispute, police report, CFPB complaint, or related internal complaint activity had any role in the credit card cancellation decision ; 8. Provide a substantive response addressing the facts and evidence submitted, rather than repeated boilerplate letters. \n\nOur family remains willing to cooperate fully. We respectfully ask that this complaint not be closed until Wells Fargo provides a meaningful explanation of its investigation, its handling of law enforcement requests, its claimed authorization issue regarding CFPB communication, and its credit card cancellation decision. \n\nThank you for your attention and assistance.","date_sent_to_company":"2026-05-18T17:13:01.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"77477","tags":null,"has_narrative":true,"complaint_id":"22310134","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-05-18T17:01:52.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["Our family filed CFPB complaints to request government oversight and <em>involvement</em> ; 4. <em>Wells</em> Fargo has not clearly identified <em>what</em> exact additional document, form, or signature is supposedly needed ; 5. The repeated closures have the effect of preventing the CFPB from obtaining information from <em>Wells</em> Fargo ; 6. <em>Wells</em> Fargo continues to direct safe deposit box questions back to the Houston XXXX XXXX, while the branch has not provided any <em>investigation</em> updates to our family."],"company":["<em>WELLS</em> FARGO & COMPANY"]},"sort":[15.342245,"22310134"]},{"_index":"complaint-public-v1","_id":"23049701","_score":15.342125,"_source":{"product":"Credit card","complaint_what_happened":"I am filing a complaint regarding Wells Fargos denial of my fraud claim involving a {$20000.00} loss resulting from an impersonation scam. I was contacted by individuals falsely representing themselves as a Wells Fargo banker and an FBI investigator, who manipulated me into believing my accounts were compromised and required immediate protective action. \nWhat Happened On XX/XX/year>, I was contacted by scammers via phone and text who impersonated both Wells Fargo fraud staff and FBI personnel. They created urgency and instructed me to follow a fraud-prevention process. \nI was shown what appeared to be my Wells Fargo account and was guided through steps that I did not understand were initiating a {$20000.00} credit card cash advance. I was not aware I was taking a cash advance or accessing credit card funds. \n\nI was then instructed to move the funds into my business account, withdraw the cash, and hand it to a courier as part of the supposed fraud protection process. The entire event occurred the same day. \n\nWhy I Am Disputing the Banks Decision Wells Fargo denied my claim stating I received the benefit of the proceeds and that the activity was authorized. This is incorrect. \nI did not knowingly authorize a credit card cash advance or any transfer for personal benefit. I was deceived, impersonated, and coerced into acting under false pretenses. Any apparent authorization was obtained through fraud and misrepresentation and was not informed consent. \n\nI did not benefit from the funds, and the entire {$20000.00} was taken by scammers posing as trusted authorities. \n\nI suffered a financial loss of {$20000.00} due to a coordinated impersonation scam involving bank and law enforcement impersonation. I am a victim of financial exploitation. \n\nI am requesting that Wells Fargo : Reopen and fully reinvestigate my fraud claim Treat this as an impersonation and financial exploitation scam case Recognize that consent was obtained through deception and was not valid Reverse the {$20000.00} charge and reimburse my loss I can provide supporting documentation upon request, including : Phone call logs and text messages from scammers Wells Fargo account statements showing timing of cash advance and withdrawals Records of cash withdrawal and surrender to courier Screenshots or other digital evidence Police report I respectfully request a fair and complete review of this matter based on the fraudulent circumstances under which these transactions were induced. \n\nExact dollar amount : {$20000.00} Bank : Wells Fargo Date of incident - XX/XX/year> Claim # XXXX","date_sent_to_company":"2026-06-09T22:20:38.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"85326","tags":null,"has_narrative":true,"complaint_id":"23049701","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-06-09T21:10:42.000Z","state":"AZ","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":["I am filing a complaint regarding <em>Wells</em> Fargos denial of my fraud claim <em>involving</em> a {$20000.00} loss resulting from an impersonation scam. I was contacted by individuals falsely representing themselves as a <em>Wells</em> Fargo banker and an FBI <em>investigator</em>, who manipulated me into believing my accounts were compromised and required immediate protective action. \n<em>What</em> Happened On XX/XX/year>, I was contacted by scammers via phone and text who impersonated both <em>Wells</em> Fargo fraud staff and FBI personnel."],"company":["<em>WELLS</em> FARGO & COMPANY"]},"sort":[15.342125,"23049701"]},{"_index":"complaint-public-v1","_id":"3319740","_score":15.231303,"_source":{"product":"Mortgage","complaint_what_happened":"This letter is to inform CFPB on the efforts we have embarked on most recently. We have hired a world renowned forensic auditor to investigate the mortgage, as well as the note, securitization, to examine all signatures, just to name a few. The forensic audit as attached for your review of over 1000 pages will outline all the illegal forged documents as well as proof that the current alleged Bank does not have any rights to mortgage or the note. ( The CFPB portal does not allow an excess of XXXX MB of file to be uploaded, therefore I will attach the summary findings of all fraud and will file it with court during the litigation process ) The signature of the Vice President by the name of XXXX XXXX of the Washington XXXX XXXX has been forged when the employee has been long gone. Please see attached audit for proof of evidence. Please note Fay Servicing and XXXX XXXX XXXX XXXX have scheduled an auction date on XX/XX/2019. I am kindly requesting your agency to cancel the upcoming auction which is scheduled on XXXX the XXXX so we can provide the evidence in court to vacate the judgement of foreclosure. \n\nTo summarize, I applied and was approved for an alleged mortgage in XX/XX/XXXX with XXXX ( Washington XXXX. ) Since that time, there have been multiple transfers of only the mortgage and not the note and have been the subject of a contested foreclosure since XX/XX/XXXX involving XXXX, XXXX AND XXXX XXXX XXXX XXXX. We became suspicious when a complete stranger ( XXXX XXXX XXXX XXXX ) appeared out of nowhere, claiming ownership of Note and mortgage without providing any substantiating documentation. We realized that Fay as well as XXXX XXXX XXXX XXXX was not interested in helping us and for reasons that are now clear. Due to the well publicized mortgage crisis, we felt it was in our best interest to challenge the validity of XXXX XXXX XXXX XXXX and Fay Servicing ( see attached ). Recently, we submitted a request for validation of debt, error resolution and information request & proof of claim pursuant to RESPA, FDCPA, & the Uniform Commercial Code ( see attached ). Unfortunately, Fay Servicing and XXXX XXXX XXXX XXXX has refused to furnish any information whatsoever and instead has thumbed their nose in the face of our legitimate disputes amidst continued foreclosure activity. Fay Servicing and XXXX XXXX XXXX XXXX operates as if it is above the law in what appears to be a continued effort to take our home without fulfilling its lawful duties and obligations. In our investigation, please see attached extensive documentation to prove fraud, deceit, forgery of signature, there is a significant amount of Civil Code Violations, violations of Dodd-Frank Wall Street Reform and Consumer Protection Act, violations of RESPA, FDCPA, TILA, FCRA, falsified signatures, as well as disclosures prior to commitment and ROBO signed instruments. - I believe that they violated the Fair Debt Collection Practices Act - We have undisputed evidence that XXXX as well as XXXX XXXX XXXX XXXX does not legally own the Note and mortgage, - The Note and mortgage were both Rescinded and do not exist ( see attached ). -Fay Servicing and XXXX XXXX XXXX XXXX has refused to provide ANY accounting of the alleged debt and that it does not exists. - We have evidence that the debt was satisfied by either tax deduction, insurance claim or by bailout which would necessitate Fay Servicing and XXXX XXXX XXXX XXXX to work out a settlement to resolve this matter. - I could be irreparably damaged by their lack of adherence to consumer protection laws. As stated, it has became obvious that Fay Servicing and XXXX XXXX XXXX XXXX had no intention of providing the requested information and has brushed off our requests. We did not feel that this represents the behavior of a bank that claims a valid interest in our Note and mortgage. After performing further due diligence, information became available through a database search performed by a professional auditor, that our loan number as well as the physical address were part of a securitization involving investors and institutions and a REMIC trust. This newly discovered information pertaining to the potential ownership of our Note and mortgage was never divulged as Fay Servicing and XXXX XXXX XXXX XXXX arrogantly moved forward while pushing the narrative that it was the owner of the Note and mortgage. The involvement of other parties, and a REMIC trust, changes the dynamics of this dispute and foreclosure. It is distinct that the instruments utilized in this foreclosure has to be rendered unenforceable in the state of New York. There is sufficient evidence that Fay Servicing and XXXX XXXX XXXX XXXX is in violation of the law and is pursuing an unsubstantiated claim and is engaged in illegal collection activity as well as foreclosure practices. Furthermore, there is evidence of shady transactions that have been concealed to enhance the Fay Servicing and XXXX XXXX XXXX XXXX foreclosure. Fay Servicing and XXXX XXXX XXXX XXXX should be scrutinized in this foreclosures due to it's involvement and implementation of it's \" fraud manual '' in which directions were given to it's agents for the production of bogus documents for the purpose of foreclosure. Please note Fay Servicing and XXXX XXXX XXXX XXXX have scheduled an auction date on XX/XX/2019. I am kindly requesting your agency to cancel the upcoming auction which is scheduled on XX/XX/XXXX so we can provide the evidence in court to vacate the judgement of foreclosure. Thank you.","date_sent_to_company":"2019-07-26T19:16:56.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"110XX","tags":null,"has_narrative":true,"complaint_id":"3319740","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fay Servicing, LLC","date_received":"2019-07-26T19:02:17.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["We have hired a world renowned forensic auditor to <em>investigate</em> the mortgage, as <em>well</em> as the note, securitization, to examine all signatures, just to name a few."]},"sort":[15.231303,"3319740"]},{"_index":"complaint-public-v1","_id":"21417473","_score":15.101923,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint against Chime because they denied my dispute without giving me a meaningful explanation or showing that they conducted a proper investigation. \n\nI disputed a charge after discovering that the rental truck I used had roaches in it. I made the company aware of the issue, and after using the truck, I experienced roaches in my new home as well. Because of this, I believed the charge was improper or that I was entitled to reimbursement due to the condition of the service provided. \n\nI submitted a dispute to Chime and expected a fair investigation based on the facts and circumstances I reported. Instead, Chime denied my dispute without clearly explaining the reason for the denial, what evidence they reviewed, or whether they contacted the merchant and examined the full details of my claim. I was left without transparency, without supporting documentation, and without a meaningful opportunity to respond. \n\nMy complaint is that Chime failed to provide an adequate explanation for its decision and appears to have denied my dispute without a thorough investigation. As a financial institution handling consumer disputes, Chime should be required to clearly explain its findings and the basis for denying a claim, especially where the dispute involves unsafe or unsanitary service conditions and resulting damages.","date_sent_to_company":"2026-04-20T22:18:33.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"754XX","tags":"Servicemember","has_narrative":true,"complaint_id":"21417473","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2026-04-20T21:47:41.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I submitted a dispute to Chime and expected a fair <em>investigation</em> based on the facts and circumstances I reported. Instead, Chime denied my dispute without clearly explaining the reason for the denial, <em>what</em> <em>evidence</em> they reviewed, or whether they contacted the merchant and examined the full details of my claim. I was left without transparency, without supporting documentation, and without a meaningful opportunity to respond."]},"sort":[15.101923,"21417473"]},{"_index":"complaint-public-v1","_id":"5338790","_score":15.017507,"_source":{"product":"Checking or savings account","complaint_what_happened":"In early XX/XX/XXXX, I filed a dispute regarding fraudulent charges on my Wells Fargo Bank, N.A. account ending in XXXX for {$3600.00} because I had been charged for goods or services that I did not receive. I had already tried to resolve the issue with the provider of the goods/services ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX ) to no avail. I provided the bank with ample evidence of my contacts with XXXX XXXX, that I had paid him for the goods and services that I never received, his refusal to provide the goods and services that he had agreed to, and his refusal to provide a refund. I can provide this evidence to you on request. If you need this evidence, please call me at XXXX or email me at XXXX In the matter involving Claim Number XXXX for {$3600.00} a provisional credit was issued on XX/XX/XXXX for this amount. Wells Fargo contacted me in XXXX to investigate this matter and I provided them with several pages of evidence showing that I had paid for goods and services that I did not receive and that XXXX XXXX had failed and refused to provide these goods or service. On XX/XX/XXXX, Wells Fargo reversed this provisional credit and debited {$3600.00} from my account. When I contacted Wells Fargo by telephone to find out what was going on, they stated that they would investigate this matter further, but then never followed back up. Further, they stated that I needed to bring the dispute with the app that I had used to pay the vendor. Unfortunately, due to the time that Wells Fargo took to process my claim, more than 60 days had expired so I could not dispute this matter under the Fair Credit Billing Act with another party. Furthermore, I do not believe that their conclusion is a correct conclusion that I should have disputed this matter with another party. I used my Wells Fargo checking account and/or my Wells Fargo credit/debit card and expected to be protected as is represented on their website. Additionally, the person I paid ( XXXX XXXX dba XXXX XXXX XXXX XXXX XXXX ) also had his account with Wells Fargo so the funds literally went from my Wells Fargo Checking Account to his Wells Fargo Checking Account. \n\nThe Fair Credit Billing Act provides protection for consumers who pay for goods and services that they do not receive and Wells Fargo is failing and refusing to abide by this act by failing to refund monies and conduct timely investigations. Additionally, I believe they have violated the Deceptive Trade Practices Act by stating on their website and elsewhere that they protect against fraudulent charges. I feel that Wells Fargo has acted in a manner that is a violation of the Fair Credit Billing Act, the Texas Deceptive Trade Practices Act and possibly other consumer protection and banking laws.","date_sent_to_company":"2022-03-28T20:33:52.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"5338790","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-03-18T16:24:48.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["<em>Wells</em> Fargo contacted me in XXXX to <em>investigate</em> this matter and I provided them with several pages of <em>evidence</em> showing that I had paid for goods and services that I did not receive and that XXXX XXXX had failed and refused to provide these goods or service. On XX/XX/XXXX, <em>Wells</em> Fargo reversed this provisional credit and debited {$3600.00} from my account."],"company":["<em>WELLS</em> FARGO & COMPANY"]},"sort":[15.017507,"5338790"]},{"_index":"complaint-public-v1","_id":"21098262","_score":15.004222,"_source":{"product":"Checking or savings account","complaint_what_happened":"Complaint against Wells Fargo Bank Failure to properly investigate debit card dispute under Regulation E I am filing this complaint regarding Wells Fargos handling of a debit card dispute for a transaction dated XX/XX/XXXX, in the amount of {$2200.00} ( merchant : XXXX  ). \n\nI disputed this transaction on the basis that the services were not delivered as represented at the point of sale. The program was marketed as a personalized, high-touch coaching container providing individualized guidance, leadership clarity, and tailored support. After accessing the program and attempting to engage in good faith, it became clear that the service delivered consisted primarily of standardized, self-paced content and did not match the representations that induced the purchase. \n\nI attempted to resolve this issue directly with the merchant on XX/XX/XXXX, and requested a prorated refund based on the discrepancy between what was promised and what was delivered. The merchant refused, citing a no-refund policy, and did not address the underlying issue of misrepresentation. \n\nI then filed a debit card dispute with Wells Fargo. The claim was initially denied. I submitted a formal reconsideration request on XX/XX/XXXX, including a detailed explanation and supporting documentation demonstrating misrepresentation and my attempt to resolve the issue directly with the merchant. \n\nWells Fargo confirmed receipt of my documentation. However, upon follow-up, I was informed that the claim would not be reconsidered because it was outside of XXXX  timeframe for chargebacks, and that their decision was final. \n\nWells Fargo did not provide a substantive evaluation of the documentation I submitted regarding misrepresentation. Instead, the denial was based solely on XXXX network time limitations. \n\nThis is concerning because debit card disputes are governed by Regulation E, which requires financial institutions to conduct a reasonable investigation of reported errors. A claim involving services not delivered as represented should be evaluated on its merits, regardless of whether it can be processed through the XXXX chargeback system. \n\nBy relying exclusively on XXXX  timeframe limitations and refusing to reconsider the claim, Wells Fargo failed to properly investigate my dispute under Regulation E and failed to provide a meaningful review of the evidence submitted. \n\nI am requesting that Wells Fargo : Reopen and properly investigate this dispute under Regulation E Review the documentation submitted regarding misrepresentation of services Provide a written explanation of their determination based on the merits of the claim, not solely network time limitations","date_sent_to_company":"2026-04-09T17:51:48.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"959XX","tags":null,"has_narrative":true,"complaint_id":"21098262","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-04-09T17:30:37.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Money was taken from your account on the wrong day or for the wrong amount"},"highlight":{"complaint_what_happened":["By relying exclusively on XXXX  timeframe limitations and refusing to reconsider the claim, <em>Wells</em> Fargo failed to properly <em>investigate</em> my dispute under Regulation E and failed to provide a meaningful review of the <em>evidence</em> submitted."],"company":["<em>WELLS</em> FARGO & COMPANY"]},"sort":[15.004222,"21098262"]},{"_index":"complaint-public-v1","_id":"17369876","_score":14.808814,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Issue : Mercari permanently banned my account without a valid explanation and is withholding my ability to access my account or continue using their platform.\n\nWhat happened : I have been a long-time, rule-abiding user of Mercari with no prior violations. Recently, I had a dispute involving an order. I immediately canceled the related transaction, no money was transferred, and I provided accurate information throughout the process. Shortly afterward, Mercari suddenly banned my account and then banned a secondary account as well, even though it had no violations and was only used to make a legitimate purchase.\n\nI contacted Mercari multiple times asking for clarification and a review, but they refused to provide a specific reason. Their responses have been vague and scripted, repeatedly stating that their decision is final without investigating the facts or reviewing the evidence I submitted. I also re-verified my identity as requested, but they still did not restore access. \n\nTo this day, Mercari has not given me any meaningful explanation or an opportunity to appeal properly. I feel I was banned unfairly and without due process.","date_sent_to_company":"2025-11-19T15:02:39.000Z","issue":"Managing, opening, or closing your mobile wallet account","sub_product":"Mobile or digital wallet","zip_code":"194XX","tags":null,"has_narrative":true,"complaint_id":"17369876","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mercari, Inc.","date_received":"2025-11-19T14:53:19.000Z","state":"PA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>What</em> happened : I have been a long-time, rule-abiding user of Mercari with no prior violations. Recently, I had a dispute <em>involving</em> an order. I immediately canceled the related transaction, no money was transferred, and I provided accurate information throughout the process. Shortly afterward, Mercari suddenly banned my account and then banned a secondary account as <em>well</em>, even though it had no violations and was only used to make a legitimate purchase."]},"sort":[14.808814,"17369876"]},{"_index":"complaint-public-v1","_id":"21721139","_score":14.796702,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, I was the victim of a coordinated bank impersonation scam involving individuals posing as Wells Fargos fraud department. \n\nThe caller had detailed knowledge of my account, including my account numbers, username, and address, and walked me through a process identical to legitimate Wells Fargo fraud calls. During the call, I received a one-time passcode from Wells Fargos official SMS channel, which further reinforced that I was interacting with legitimate bank representatives. \n\nI was told that my account had been compromised, that fraudulent activity was occurring, and that an XXXX was actively accessing my account from Texas. I was instructed that my account needed to be secured immediately. \n\nI was then transferred to an individual posing as a federal agent and provided what appeared to be an official subpoena from the U.S. Federal District Court. I was told there was an ongoing investigation involving a compromised Wells Fargo branch employee and was asked to assist. \n\nAs part of this process, I was instructed to go into a Wells Fargo branch and initiate a {$15000.00} wire transfer as part of a test of the branchs integrity. I was told Wells Fargo would temporarily credit my account to facilitate this test. \n\nBelieving I was working directly with Wells Fargo and federal authorities, I followed these instructions and completed the wire transfer while the individuals remained on the phone monitoring the interaction. \n\nI later confirmed this was a fraud and immediately contacted Wells Fargo to report the incident. I also filed a police report, and a detective is actively investigating the case. \n\nThe police report classifies this as obtaining money under false pretenses exceeding {$10000.00}. The investigation confirmed that the funds were transferred to another Wells Fargo account and subsequently distributed through multiple channels, including ATM withdrawals, XXXX transfers, additional wires, and XXXX XXXX. \n\nAdditionally, law enforcement was informed by Wells Fargo that a portion of the funds remained in the recipient account at one point and instructed me to call Wells Fargo to have the funds recovered. However, when I contacted Wells Fargo to recover those funds, I was told there was no record of this and that my claim had already been closed. \n\nDespite the clear evidence of fraud, Wells Fargo denied my claim, stating that the transaction was authorized. This determination ignores the fact that the transaction was executed under material deception by individuals impersonating Wells Fargo and federal authorities. \n\nFurther, the fraud involved multiple coordinated actions, including unauthorized transfers between my accounts and cash advances from my Wells Fargo credit cards into my checking account prior to the wire transfer. These actions were part of a single fraudulent scheme, yet Wells Fargo treated them as separate issues and failed to properly assess the full scope of the account compromise. \n\nWells Fargo has also continued to charge me fees and interest related to the fraudulent cash advances, compounding my financial loss. \n\nI have attached the police report and a copy of the \" subpoena '' I was sent by the perpetrators.","date_sent_to_company":"2026-04-29T19:51:54.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"29642","tags":null,"has_narrative":true,"complaint_id":"21721139","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-04-29T19:44:58.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I was then transferred to an individual posing as a federal agent and provided <em>what</em> appeared to be an official subpoena from the U.S. Federal District Court. I was told there was an ongoing <em>investigation</em> <em>involving</em> a compromised <em>Wells</em> Fargo branch employee and was asked to assist. \n\nAs part of this process, I was instructed to go into a <em>Wells</em> Fargo branch and initiate a {$15000.00} wire transfer as part of a test of the branchs integrity."],"company":["<em>WELLS</em> FARGO & COMPANY"]},"sort":[14.796702,"21721139"]},{"_index":"complaint-public-v1","_id":"14554724","_score":14.52857,"_source":{"product":"Checking or savings account","complaint_what_happened":"Hello, On XX/XX/year>, I received a phone call from Wells Fargo that my account was set to be permanently closed due to an alleged fraud claim related to a deposited check. I strongly dispute this claim and am requesting an immediate review. \nSummary of Events : I deposited a check u recieved from a woman for my caregiving services, on XX/XX/year>. \nSubsequently, she reported the check as fraudulent. As a result, Wells Fargo reversed the deposit and informed me that my account would be permanently closed due to check fraud. \nI have no involvement in any fraud. Instead, I am the victim of her retaliatory slander and threats as well as her committing financial fraud as well as manipulation and lies. I am requesting a thorough investigation and the calls made by this woman to Wells fargo on XX/XX/XXXX and XXXXXXXX XXXX  She authorized me as a user on her account and stated to a banker that she was trying to pay me for my services and my hard work, this alone is evidence that she is the one committing the fraud and owed me money and was trying to pay me. I have two other woman that I know that have came forward with allegations against this woman of fraud and trying to manipulate Wells fargos intelligence and to get refunded for different people and services she has paid for but then denies ever wanting the service and reports it as fraud or she files a claim to reverse the funds so she recieves the money back. It is absolutely illegal what she is doing and a report needs to be properly made against this individual to prevent her from carrying out more illegal activities successfully.\n\nHer actions have caused severe financial harm, including Wells Fargos unilateral decision to close my account, emotional distress, and reputational harm.\n\nAttached Evidence : A copy of the original deposited check and reversal notice.\n\nA threatening voicemail she left, including audio file.\n\nThis account closure is causing irreparable damage to my finances and wellbeing. I respectfully request that Wells Fargo reopen my account immediately, restore any funds reversed, and investigate the fraud claim thoroughly. I am also willing to provide any further documentation or discuss this matter in detail.\n\nIf my appeal is not favorably resolved within 14 days, I intend to escalate and pursue legal remedies. I trust Wells Fargo will correct this situation promptly.\n\nThank you for your urgent attention to this matter. I look forward to a resolution.","date_sent_to_company":"2025-07-09T08:00:27.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"91010","tags":null,"has_narrative":true,"complaint_id":"14554724","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-07-09T05:54:17.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["As a result, <em>Wells</em> Fargo reversed the deposit and informed me that my account would be permanently closed due to check fraud. \nI have no <em>involvement</em> in any fraud. Instead, I am the victim of her retaliatory slander and threats as <em>well</em> as her committing financial fraud as <em>well</em> as manipulation and lies."],"company":["<em>WELLS</em> FARGO & COMPANY"]},"sort":[14.52857,"14554724"]},{"_index":"complaint-public-v1","_id":"6142636","_score":13.613063,"_source":{"product":"Checking or savings account","complaint_what_happened":"I was a victim of a romance scam scheme, where I was told what to do and where to send the funds under false pretenses, and ultimately my funds were held at an application the fraudster created and I was not able to retrieve them, as my account was deleted, and XXXX  would not reverse the transactions and wont refund my money. I met this horrible person in a social media all and I was nurtured into believing I could make money with Crypto following his/her/it guidance while making believe there was a legitimate romantic interest as well. After realizing i was a victim of a scam, I submitted claims with my bank and my claims with Bank of America have been rejected multiple times due to the lack of supporting documentation submitted by the claimant ( myself ). I conducted transactions in question totaling {$5600.00} processed between XX/XX/22 and XX/XX/22, I was a victim of authorized push payment fraud ( I have explained this several times over the phone with a claim agent ). Bank of America and its affiliates have purposely ignored my claims and rejected them based on the fact that I conducted the transactions myself as opposed to conducting a thorough investigation and do their due diligence in order to get the facts of how I was a victim of a scam ( I have not even received a phone call for an interview ). Now, I have spent countless hours of my time, around {$400.00} of my own personal money in order to buy a printer, around 5 cartridges, 2 blocks of paper and shipping costs in order to gather and send over 500 pages of evidence to them ( it was returned and i went to the branch and they refused to fax them over to fraud department ). I have never conducted transactions involving crypto or any similar crypto exchange platform.. I filed with XXXX as well. I have been a BOA customer for almost 10 years now and I have never been treated with such dismissiveness by this well-known financial institution. I have suffered financial loss and due to the stress of this situation Im suffering from XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX as Im tired of losing battles with whats supposed to be a bank that cares for its customers. Due to the large number of pages included in the conversations me and the fraudster had, Bank of America returned the package with over 500 pages of evidence and then refused to fax them to the fraud department once I went into a BOA branch located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX claiming it would take countless hours which they didnt have the staff for. And therefore, I havent been able to relay that important piece of evidence to them.","date_sent_to_company":"2022-10-31T00:48:34.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"75219","tags":null,"has_narrative":true,"complaint_id":"6142636","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-10-31T00:06:13.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Now, I have spent countless hours of my time, around {$400.00} of my own personal money in order to buy a printer, around 5 cartridges, 2 blocks of paper and shipping costs in order to gather and send over 500 pages of <em>evidence</em> to them ( it was returned and i went to the branch and they refused to fax them over to fraud department ). I have never conducted transactions <em>involving</em> crypto or any similar crypto exchange platform.. I filed with XXXX as <em>well</em>."]},"sort":[13.613063,"6142636"]},{"_index":"complaint-public-v1","_id":"14432012","_score":13.5938,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Let me start by saying this : if TransUnion had simply followed proper FCRA procedures the first ( or even the fifth ) time I submitted this dispute, I wouldnt be filing this complaint yet again. \n\nApparently it calls for a newly submitted complaint on the cfpb platform and countless disputes to get a response! \n\nOn XX/XX/XXXX, I refiled my dispute regarding a false tradeline reported by XXXX XXXX. Rather than respond with transparency and professionalism through the CFPB platform where I explicitly requested any verification materials be shared TransUnion stated that they would mail their investigation results to me instead. That was well over month ago. \n\nTo date, I have received absolutely nothing in the mail. \n\nThis move appears to be nothing more than a delay tactic and an attempt to sidestep accountability by avoiding putting anything on record through this complaint portal. Convenient, but also telling. \n\nLets be clear : The account in question is not mine I submitted verifiable documentation, including my XXXX  order, receipt of payment, and the name of the actual company I hired please pay attention to the attached! \n\nXXXX  has already removed this tradeline not even being given the same documentation Im now giving you. Theres no excuse for TransUnion to still be investigating or worse hiding behind a mysterious mailing process that conveniently produces no evidence and no results. \n\nUnder the Fair Credit Reporting Act, TransUnion is required to perform a reasonable investigation, which includes acknowledging and reviewing consumer-provided evidence. Repeatedly verifying a false account without producing proof or timely communication is not a reasonable investigation its negligence. \n\nThis is now a pattern of avoidance. And unless this item is fully deleted immediately, I will consider this a willful violation of the FCRA and proceed accordingly. \n\nLets call this what it is a stall tactic, designed to avoid accountability while pretending to comply. But make no mistake, this kind of avoidance doesnt erase legal responsibility under the Fair Credit Reporting Act ( FCRA ). \n\n\nSo either TransUnion is deliberately ignoring evidence, or your idea of a reasonable investigation involves zero follow-up and zero documentation. Either way, thats a violation of federal law and if this item is not immediately deleted, I will escalate.\n\nThat includes : Filing a formal FCRA lawsuit with statutory and punitive damages Naming TransUnion directly in complaints to the FTC and State Attorney General Retaining a consumer protection attorney to pursue damages for the ongoing harm The fact that TransUnion has ignored all this and failed to respond for over 30 days is unacceptable and noncompliant with the FCRA. You are not above the law, and this pattern of delay is now bordering on willful negligence Consider this your final opportunity to do what should have been done long ago. I suggest you take it because the next response wont be a complaint, it will be a summons.","date_sent_to_company":"2025-07-03T05:13:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32244","tags":null,"has_narrative":true,"complaint_id":"14432012","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-03T04:56:11.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Lets call this <em>what</em> it is a stall tactic, designed to avoid accountability while pretending to comply. But make no mistake, this kind of avoidance doesnt erase legal responsibility under the Fair Credit Reporting Act ( FCRA ). \n\n\nSo either TransUnion is deliberately ignoring <em>evidence</em>, or your idea of a reasonable <em>investigation</em> <em>involves</em> zero follow-up and zero documentation. Either way, thats a violation of federal law and if this item is not immediately deleted, I will escalate."]},"sort":[13.5938,"14432012"]},{"_index":"complaint-public-v1","_id":"18233188","_score":13.338195,"_source":{"product":"Credit card","complaint_what_happened":"I am submitting this statement to document a fraudulent transaction involving my Cash App debit card, as well as the extensive steps I have taken to resolve the matter in good faith. \n\nIn XX/XX/year>, I discovered a company advertising yacht rentals on XXXX and XXXX. The company goes by XXXX XXXX Rentals, attached below. The business presented itself as a legitimate yacht charter service through professional branding, promotional videos, and direct communication. They also had reviews of people who have had positive experiences with the company which made me think it was credible. Based on these representations, I reasonably relied on the companys apparent authority and legitimacy and booked what was advertised as a XXXX hour private yacht rental. \n\nI was charged {$700.00} for this service. Payment was made using my Cash App debit card through XXXX XXXX. \nThe yacht rental never occurred. No vessel was provided, and about a day after the payment was made, the merchant ceased all communication. It became clear that the company was fraudulent and had materially misrepresented its services. At no point did the merchant deliver the promised service or provide a refund. \n\nImmediately upon realizing the service would not be provided, I gathered evidence of the fraud, including screenshots of the social media advertisements, records of communication with the merchant, proof of payment, and proof that no service was rendered and that communication stopped. \nBecause the charge was fraudulent and involved services not rendered, I promptly sought to dispute the transaction. \n\nI initially contacted my bank, XXXX, because the funds used originated from my XXXX account. During this process, I learned that XXXX was not the card issuer responsible for the merchant transaction itself, as the payment was processed via the Cash App debit card. This clarified that Cash App was the proper party to investigate the fraud. \n\nI then filed a formal dispute with Cash App, reporting the transaction as fraud / services not rendered. I submitted all requested documentation and cooperated fully with the investigation. \nDespite the clear non-delivery of services and evidence of fraudulent misrepresentation, Cash App denied the dispute. \n\nI subsequently filed a formal appeal, explicitly requesting that the matter be reviewed under Regulation XXXX of the Electronic Funds Transfer Act, as the transaction was authorized only due to fraudulent inducement. I emphasized that this was not buyers remorse or dissatisfaction with a legitimate merchant, but a loss caused by deception. \nCash App denied the appeal as well, without providing a resolution or reimbursement. \n\nAfter exhausting standard support and appeal channels, I escalated the issue to Block , Inc.s XXXX leadership in a final effort to resolve the matter without regulatory intervention. \nIn these communications, I outlined the fraudulent nature of the merchant, the denial of my dispute and appeal and my request for reconsideration under federal consumer protection standards. \n\nAs of this statement, I have not received relief through XXXX escalation. \n\nI am a college student, and {$700.00} represents a substantial financial loss for me. I am seeking reimbursement for funds taken as a result of a fraudulent transaction involving services that were never provided.","date_sent_to_company":"2025-12-22T23:25:01.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"331XX","tags":null,"has_narrative":true,"complaint_id":"18233188","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-12-22T22:57:44.000Z","state":"FL","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["This clarified that Cash App was the proper party to <em>investigate</em> the fraud. \n\nI then filed a formal dispute with Cash App, reporting the transaction as fraud / services not rendered. I submitted all requested documentation and cooperated fully with the <em>investigation</em>. \nDespite the clear non-delivery of services and <em>evidence</em> of fraudulent misrepresentation, Cash App denied the dispute."]},"sort":[13.338195,"18233188"]},{"_index":"complaint-public-v1","_id":"6206570","_score":13.334841,"_source":{"product":"Student loan","complaint_what_happened":"# 1. Company lied to CFPB that this complaint does not belong to them when it absolutely does and I can prove it. I have attached documentation from this company, to this complaint, and they are required by law to : investigate my issues, solve my issues, and respond to these issues. That was unlawful of them to lie and say the complaint did not belong to them and return it to the CFPB. This complaint... directly ... involves Aidvantage who is currently servicing my student loans that are also currently in the XXXX discharge review process. Period. Do not let them lie again and say otherwise. I have attached proof of all that I have claimed. They must read, research, and respond to all numbered issues in this complaint or face fines and possibly pay me damages for violating my civil rights as well as my federal debt collection practices rights. # 2. They have now done damage by prolonging the process for these issues to be corrected, potentially leading to an unlawful delay in my approval for discharge. That alone is grounds for a lawsuit, and this is not the first time they have violated my rights. I have written records of complaints via third parties including the CFPB that they have violated my rights. # 3. AIDVANTAGE made the mistake of contacting me asking me to verify my recent name change. There was no name change. My name has never changed, not even when I married. # 4. When I reached out to customer service, they failed to tell me what was different about what XXXX was reporting vs what AIDVANTAGE was reporting. So? I am left to guess. What is AIDVANTAGE claiming to be wrong? My best guess is that they are referring to XXXX not including my middle initial in the spelling of my name, and AIDVANTAGE does include the spelling of my name. I should not be having to guess after all this communciation what they are claiming to be wrong. They should have made that clear. # 5. AIDVANTAGE needs to contact XXXX and cross-reference identity verification information to insure the timely completion of my application for XXXX discharge of my student loans. And I do not appreciate the unlawful attempt to prevent a successful completion of this process by lying and saying that this complaint did not involve them. That is so unlawful, unethical, and insulting. AIDVANTAGE paperwork from what I have seen in letters from them ; ( even though no one has verified to me what they are claiming to be different from what XXXX has ) lists my name as \" XXXX XXXX XXXX. '' That is the correct spelling of my name, including my middle initial. XXXX from what I have seen in paperwork from them ; lists my name as \" XXXX XXXX. '' Yes also correct. Obviously, one lists my middle initial and one does not. # 6. If this is the issue, they AIDVANTAGE is not being honest when they are claiming that XXXX does not have the correct spelling of my name. AIDVANTAGE is trying to purposely stop my right to XXXX discharge of my student loans by lying, again, and saying that my name is misspelled when actually it simply is not listing my middle initial. So see? This complaint directly involves AIDVANTAGE, and I was not successful in getting this issue resolved in Email traffic with customer service, and now that I have evidence AIDVANTAGE has lied not once but twice to dismiss my application for discharge, I believe this constitutes evidence of not only discrimination against me as a XXXX person that struggles to defend themselves against such unlawful behavior but also an illegal attempt to stop me from being able to discharge my student loans by playing some sort of shell game about the spelling of my name ... intentionally... so that I will not receive the federal benefit I am entitled to. I want a Manager from AIDVANTAGE involved in this situation immediately, and I want the manager to contact XXXX and verify that \" XXXX XXXX '' and \" XXXX XXXX XXXX '' are the exact same person and not cause further, unlawful, delay to my application for discharge or my service in any way. \n\nI have severe mental illness. My spouse is helping me. The form for authorization is attached. It's harming my health to have such issues with these servicers. The stress is causing a list of symptoms. I need help. Note : The customer service reps that have responded to these complaints in the past are not allowed to handle my file any longer, they have a conflict of interest because they are a part of the problem and I have direct previous complaints against them on an individual basis. I have years of history of discrimination by the student loan servicers and US Dept Ed as a XXXX female. This week, due to additional evidence of unlawful behavior on part of AIDVANTAGE and further discrimination lying and saying the complaint was not about them when it was, I will be attempting to secure the assistance of an attorney that handles federal FDCA and Civil Rights Discrimination cases.","date_sent_to_company":"2022-11-15T20:50:29.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"89107","tags":"Servicemember","has_narrative":true,"complaint_id":"6206570","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2022-11-15T20:15:59.000Z","state":"NV","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["This complaint directly <em>involves</em> AIDVANTAGE, and I was not successful in getting this issue resolved in Email traffic with customer service, and now that I have <em>evidence</em> AIDVANTAGE has lied not once but twice to dismiss my application for discharge, I believe this constitutes <em>evidence</em> of not only discrimination against me as a XXXX person that struggles to defend themselves against such unlawful behavior but also an illegal attempt to stop me from being able to discharge my student loans by playing"]},"sort":[13.334841,"6206570"]},{"_index":"complaint-public-v1","_id":"18886905","_score":13.27519,"_source":{"product":"Credit card","complaint_what_happened":"I am submitting this complaint to report Pentagon Federal Credit Union ( PenFed ) for what I believe is improper mishandling of my consumer disputes and chargeback requests related to multiple transactions made between approximately XXXXXXXX XXXX  involving online sweepstakes casino merchants. They have own right refused to investigate, I was notified by a XXXX XXXX that works in CARD services who is instructed by Pentagon Federal credit union to not investigate my disputes, they will not provide any documentation, they wont provide the required requested documents Ive asked for which I believe I have rights to review, including all evidence reviewed, all evidence not reviewed, a copy of the merchants position, how they arrive to their decision, the credit card rules, and exclamation as to why they close my account based on unsound judgment when they authorized every transaction. Authorization was either by text message, or phone call or I did not disguise or lie as to what type of app I was on they were fully aware, and then when I discovered their illegality, meaning the sites represented themselves as legal, and in fact, were illegal, therefore not allowing me to get the goods that I thought I was purchasing and agreed to purchase. Those being legal, virtual coin/entertainment when in fact I was sold illegal counterfeit/entertainment. Its impossible to get what you agreed to pay for when they, the merchants disguise, their legal status and their terms of service, in their live chats, and in while enrolling always given the presentation that they are legal and not prohibited in Minnesota. Frankly and undisputedly summed up is, I would never agree to purchase illegal goods or services or products. I was scammed, and I relied on the federal protections and consumer protections available to me where Ive been completely ignored, had my account closed, and complete lack of response as well as complete disregard for my protections and rights as a consumer. \nHowever, the Attorney General came out and said that they are in fact illegal, and Ive been working with law-enforcement, Special Agent with XXXX AGE, filed a complaint with the Attorney General, and the FTC. XXXX disclosed to law-enforcement, as soon as I learned these sites were illegal. And submitted chargeback disputes for the legal services that were sold to me under the premise of being legal. \n\nThese merchants marketed and represented their services in a manner that induced purchases under the impression of lawful entertainment. I later discovered information and enforcement warnings indicating these operators are not lawful/regulated in Minnesota and may be operating as illegal gambling or illegal lottery activity. \n\nXXXX has failed to conduct a fair, unbiased, complete investigation, has closed disputes without meaningful review, has demanded unreasonable/impossible documentation, and has obstructed my ability to obtain chargeback remedies and dispute appeal rights regarding the XXXX complaint which had to do with the same merchants however, at that time, I didnt know they were illegal, so it was just a double billing dispute due to the number of charges that I did not recognize. They provide provided nothing to the XX/XX/year> complaint which was an amended complaint as soon as I learned the companies were operating illegally. \n\nB. Transaction Window and Dispute Trigger Transactions occurred approximately XXXX XXXX, including XXXX Pay transactions. \nI initiated disputes around early XX/XX/year>, after learning of the alleged illegality/misrepresentation and after making reports/complaints. \nThis dispute is not buyers remorse. It is based on misrepresentation, deceptive conduct, and illegal/unregulated activity that materially altered the nature of what I believed I was purchasing. \n\nXXXX XXXX XXXX Issue : Misrepresentation / Goods Not as Described The controlling basis of my dispute is misrepresentation : the merchants represented the services as lawful/available entertainment, when Minnesota authorities have publicly warned that these online gambling/sweepstakes operations are unlawful and unregulated. \n\nMy dispute basis includes : Misrepresentation of legality and inducement into transactions that are void/unfair Goods/services not as described ( illegal gambling instruments sold as lawful entertainment ) Duplicate processing/double billing ( where applicable ) Misleading billing descriptors and other fraud indicators ( where applicable ) D. PenFeds Improper Conduct ( Complaint Allegations ) PenFeds conduct includes, but is not limited to : 1. Failure to conduct a reasonable investigati\n\non PenFed closed disputes and/or denied disputes without a complete review of evidence and without issuing a fair written rationale tied to the substance of the dispute.\n\n2. Improper closure of disputes / inconsistent handling PenFed has issued inconsistent and contradictory communications regarding dispute status and handling, creating an obstructive process rather than a compliant investigation. \nXXXX. Unreasonable documentation demands/ impossible requirements PenFed directing me to return to websites that are allegedly illegal or websites from which I have been banned, and then using that as a basis to deny claims. In a prior dispute related on by merchants. In XXXX billing error dispute was closed, however, after learning the sites were illegal I submitted another dispute in XX/XX/year>, which they have outright ignored, refused to investigate and are unwilling to cooperate whatsoever in providing me requested documents. Such as evidence they reviewed they considered, evidence they didnt review didnt consider, instructions as to how they derived their decision and several other requests that have gone ignored. \nXXXX. Failure to evaluate disputes under proper misrepresentation frameworks My disputes involve misrepresentation and illegal/unregulated activity. PenFed has treated them as routine authorized transactions and refused to evaluate them under a consumer-protection framework consistent with misrepresentation and goods/services not as described.\n\n5. Failure to provide transparent evidence review and appeal process I requested all documentation and information PenFed relied on to deny disputes, along with appeal instructions. PenFed has not provided adequate transparency or a meaningful appeal pathway. \nXXXX. Refusal to treat credit and debit disputes consistently As originally reported in early XXXX, these disputes involve both credit and debit card transactions, and XXXX handling has failed to address the full scope. \n\nXXXX Harm to Consumer PenFeds mishandling has caused : ongoing financial loss and inability to recover disputed funds prolonged administrative burden and repeated follow-ups denial of fair dispute resolution procedures severe stress and ongoing uncertainty F. Relief Requested I request that the FTC : 1. Review PenFeds dispute/chargeback practices for unfair handling and obstruction of consumer remedies.\n\n2. Require PenFed to provide the full dispute investigation file ( all evidence reviewed, communications, decision rationale, and internal notes where applicable ).\n\n3. Require PenFed to provide a compliant appeal process and re-evaluate disputes under misrepresentation / goods not as described frameworks.\n\n4. Require PenFed to issue written findings and consistent procedures for disputes involving illegal/unregulated merchant conduct. \nXXXX. Allow me my right to arbitration which Ive requested multiple times. \nXXXX Review all evidence Ive uploaded to their secure message portal. \nXXXX. Stop impeding on my consumer protection, federal law, and state law, consumer rights, and protections. \n\nXXXX Supporting Evidence Available I can provide : dispute letters and appeal submissions formal notice narrative with Minnesota enforcement quotations screenshots of marketing claims ( e.g., No purchase necessary ) Minnesota enforcement warning screenshot ( ag.state.mn.us ) ( uploaded image ) proof of FTC reporting confirmation and case reference screenshots Electronic Signature : XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2026-01-21T12:37:16.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"56007","tags":"Servicemember","has_narrative":true,"complaint_id":"18886905","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PENTAGON FEDERAL CREDIT UNION","date_received":"2026-01-21T12:09:52.000Z","state":"MN","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":["I am submitting this complaint to report Pentagon Federal Credit Union ( PenFed ) for <em>what</em> I believe is improper mishandling of my consumer disputes and chargeback requests related to multiple transactions made between approximately XXXXXXXX XXXX  <em>involving</em> online sweepstakes casino merchants."]},"sort":[13.27519,"18886905"]},{"_index":"complaint-public-v1","_id":"13157585","_score":13.158771,"_source":{"product":"Credit card","complaint_what_happened":"What happened : During my recent travels in XXXX, XXXX, I was the victim of a well-documented tourist scam involving a business named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was misled about the prices of drinks ( quoted verbally as XXXX XXXX  ) and later discovered a series of extremely inflated charges totaling {$27000.00} on my American Express card. \n\nAlthough the merchant provided signed receipts and itemizations, these were obtained under deceptive and misleading circumstances I did not knowingly agree to those amounts. The merchant has a widespread online reputation for scamming tourists using these tactics, which I thoroughly documented in an escalation memo submitted to American Express. \n\nAmex refused to reverse the charges, citing signed receipts alone and failing to investigate the context or history of the merchants fraudulent behavior. Their denial does not align with the protections afforded under the Fair Credit Billing Act ( 12 CFR 1026.13 ) or the card network rules which allow disputes for misrepresentation ( e.g., Visa Code 13.5 ). \n\nWhat resolution are you seeking? \n\nI am requesting that American Express reopen the disputes and refund the full {$27000.00} in charges that were obtained through deception. These charges were not truly authorized, and my detailed escalation outlined ample legal precedent and public evidence to support my position. \n\nOther details : I have been a loyal Amex customer for over XXXX years with XXXX cards and a savings balance of over {$90000.00}. 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