{"took":208,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":646,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"21720415","_score":22.560577,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am a Bank of America business account holder. BofA initially credited {$7000.00} in fraudulent transactions as claim # XXXX from XXXX fraud acknowledging these were unauthorized. \nHowever, on XX/XX/year>, they reversed {$310.00} of that credit without notice or explanation : {$100.00} Temporary Credit Reversal {$210.00} Temporary Credit Reversal This mirrors the same fraud pattern on my personal account ( claim # XXXX ). BofA already determined it was fraud, credited me, now theyre taking it back. Theyre systematically reversing a credit they already issued while claiming to investigate.","date_sent_to_company":"2026-04-29T19:36:59.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"94619","tags":null,"has_narrative":true,"complaint_id":"21720415","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-04-29T19:29:43.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Non-sufficient funds and associated fees"},"highlight":{"complaint_what_happened":["Theyre systematically <em>reversing</em> a <em>credit</em> they already issued while <em>claiming</em> to <em>investigate</em>."]},"sort":[22.560577,"21720415"]},{"_index":"complaint-public-v1","_id":"3492848","_score":21.783617,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"XX/XX/XXXX USAA LETTER FRAUD CLAIM INVESTIGATION RESULTS. Claim # XXXX card end XXXX XXXX XXXX   date Purchased XX/XX/XXXX {$120.00} XXXX XXXX Credits {$120.00} Applied. XX/XX/XXXX No temporary credits ( the credit we deposited at the beginning of the investigation have been reversed ) XX/XX/XXXX USAA LETTER FRAUD CLAIM INVESTIGATION RESULTS Claim # XXXX card end XXXX XXXX Purchased on XX/XX/XXXX. XXXX Credits Applied XX/XX/XXXX {$210.00} ( the credits we deposited at the beginning of the investigation have been reversed ) XXXX Credits {$210.00} XXXX recieved XX/XX/XXXX BOTH paid By Merchants before statement closed XX/XX/XXXX They were returns & only on card few days USAA LETTER XX/XX/XXXX CREDIT CARD FRAUD CLAIM Claim date XX/XX/XXXX card end XXXX ( we previously issued temporary credits to your account in the amount if {$470.00} The temporary credits have been made permanet ) attatched is statement of XX/XX/XXXX I have called 24 times since these XX/XX/XXXX Letters Asking WHAT DATE DID THE USAA CREDITS APPLY? NONE WILL ANSWER There are No Temporary credits There are No Permanet credits Applied at the beginning of the investigation of XX/XX/XXXX, 23, Reps tell me I have to believe them I got the credits MY STATEMENT DOES NOT SHOW AND TWO LETTERS ARE NOT EVEN FRAUD ONLY ON CARD A FEW DAYS BEFORE MERCHANT CREDITED This totals {$810.00} worth of credits I NEVER RECIEVED. THEY ARE NOT ON MY STATEMENT","date_sent_to_company":"2020-01-11T17:57:08.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"337XX","tags":"Older American","has_narrative":true,"complaint_id":"3492848","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2020-01-11T17:06:15.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["XX/XX/XXXX USAA LETTER FRAUD <em>CLAIM</em> <em>INVESTIGATION</em> RESULTS. <em>Claim</em> # XXXX card end XXXX XXXX XXXX   date Purchased XX/XX/XXXX {$120.00} XXXX XXXX <em>Credits</em> {$120.00} Applied. XX/XX/XXXX No <em>temporary</em> <em>credits</em> ( the <em>credit</em> we deposited at the beginning of the <em>investigation</em> have been <em>reversed</em> ) XX/XX/XXXX USAA LETTER FRAUD <em>CLAIM</em> <em>INVESTIGATION</em> RESULTS <em>Claim</em> # XXXX card end XXXX XXXX Purchased on XX/XX/XXXX."],"product":["<em>Credit</em> card or prepaid card"],"sub_product":["General-purpose <em>credit</em> card or charge card"],"sub_issue":["<em>Credit</em> card company isn't resolving a dispute about a purchase on your statement"]},"sort":[21.783617,"3492848"]},{"_index":"complaint-public-v1","_id":"11646504","_score":21.218187,"_source":{"product":"Checking or savings account","complaint_what_happened":"My info was compromised and over XXXX was spent out of my account. I closed the card filed a fraud claim and was given temporary credit. Then also the temporary credit was refunded due to the investigation being denied and closed and I appealed the denial and was denied again. I also had a payment disputed by a team member of navy federal that wasnt supposed to Be and the loan company sent the money back. The funds were never located untill after the account was now negative due to the previous dispute temporary credit being reversed","date_sent_to_company":"2025-01-18T20:37:07.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"604XX","tags":"Servicemember","has_narrative":true,"complaint_id":"11646504","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-01-18T20:27:34.000Z","state":"IL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["I closed the card filed a fraud <em>claim</em> and was given <em>temporary</em> <em>credit</em>. Then also the <em>temporary</em> <em>credit</em> was refunded due to the <em>investigation</em> being denied and closed and I appealed the denial and was denied again. I also had a payment disputed by a team member of navy federal that wasnt supposed to Be and the loan company sent the money back. The funds were never located untill after the account was now negative due to the previous dispute <em>temporary</em> <em>credit</em> being <em>reversed</em>"],"company":["NAVY FEDERAL <em>CREDIT</em> UNION"]},"sort":[21.218187,"11646504"]},{"_index":"complaint-public-v1","_id":"10074528","_score":21.213333,"_source":{"product":"Checking or savings account","complaint_what_happened":"On the evening of XX/XX/year> I made a cash deposit into a Wells Fargo ATM machine in the amount of {$1100.00}. The brank location was closed, but I pulled up to the drive thru ATM in XXXX, CA in the intersection of XXXX and XXXX. The atm took my money and returned my card with an error message. I immediately pulled over and called Wells Fargo to file a claim. \n\nI received the claim number XXXX and was told it would be resolved within 10 business days, or my account will receive a temporary credit if additional investigation is needed. I received a temporary credit on XX/XX/XXXX. However on XX/XX/XXXX, I received notice that the claim was reviewed and there was no error found. I was also told my temporary credit would be reversed. I immediately called Wells Fargo and was told the ATM was audited and no overage was identified. I told them there was a mistake and I would like my claim to be escalated. I received another notice on XX/XX/XXXX \" We have completed an additional review of your recent experience with us and determined that no further follow up is needed as there is another case which is in progress. '' There was no second review completed and both claims were closed simultaneously. \n\nMy temporary credit was reversed on XX/XX/XXXX. I decided to go into the branch location and spoke to XXXX XXXX. The personal banker escalated my claim again and I have not heard back.","date_sent_to_company":"2024-09-10T21:51:05.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"90220","tags":null,"has_narrative":true,"complaint_id":"10074528","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-09-10T21:15:25.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I immediately pulled over and called Wells Fargo to file a <em>claim</em>. \n\nI received the <em>claim</em> number XXXX and was told it would be resolved within 10 business days, or my account will receive a <em>temporary</em> <em>credit</em> if additional <em>investigation</em> is needed. I received a <em>temporary</em> <em>credit</em> on XX/XX/XXXX. However on XX/XX/XXXX, I received notice that the <em>claim</em> was reviewed and there was no error found. I was also told my <em>temporary</em> <em>credit</em> would be <em>reversed</em>."]},"sort":[21.213333,"10074528"]},{"_index":"complaint-public-v1","_id":"2790554","_score":21.04924,"_source":{"product":"Checking or savings account","complaint_what_happened":"I put in a claim with SunTrust bank over a vendor that took my money for a service and never supplied the service or replied to any of my inquiries. The bank issued me a temporary credit for the amount, but after their investigation decided that they would reverse the temporary credit. They sent me notification of the reversal AFTER it had been done. The letter they sent was dated XX/XX/XXXX and it read as follows : \" Based on this information, we will be reversing the temporary credit that was issued to your account in the amount of {$200.00}. The adjustment is scheduled for XX/XX/XXXX. '' Their inability to notify me before resulted in an overdraft and associated fees in that account. When I attempted to explain to them that they notified me after the fact, it was like talking to a brick wall. Eventually they reversed the fee, but their practices are terrible. This is not the first time I have gotten caught in their bad practices resulting in me losing money. You have to be willing to argue to get your money back from SunTrust even when it is their doing.","date_sent_to_company":"2018-01-23T19:20:41.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"303XX","tags":null,"has_narrative":true,"complaint_id":"2790554","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SUNTRUST BANKS, INC.","date_received":"2018-01-23T18:54:09.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Fee problem"},"highlight":{"complaint_what_happened":["I put in a <em>claim</em> with SunTrust bank over a vendor that took my money for a service and never supplied the service or replied to any of my inquiries. The bank issued me a <em>temporary</em> <em>credit</em> for the amount, but after their <em>investigation</em> decided that they would <em>reverse</em> the <em>temporary</em> <em>credit</em>. They sent me notification of the reversal AFTER it had been done."]},"sort":[21.04924,"2790554"]},{"_index":"complaint-public-v1","_id":"2988273","_score":21.026281,"_source":{"product":"Checking or savings account","complaint_what_happened":"On the morning of XX/XX/2018, I was robbed of my debit card and smart phone at a gas station in XXXX XXXX. I found a police officer nearby and told him what happened. He told me to go back to the gas station while he called in another cop to take down my report. Once the cop arrived at the gas station, I told him everything that happened, and he gave me a copy of a police slip to take with me. He called me a cab, which I took back to my XXXX, paid for by the remaining cash I had left in my pocket. Once there, I immediately got on my laptop and checked my bank statement, realizing that the women who robbed me spent over {$700.00} of my money already, {$600.00} on ATM withdrawals and {$120.00} at a XXXX. So I locked my cards, called Bank of America through my laptop, and informed them of the robbery and fraudulent charges. They told me to unlock my card so they can fully cancel it on their end ; and that they would send me a new card. They also told me that I would need to call their claims department for some of the fraudulent charges, because they involved \" authorized '' ATM withdrawals. Lastly, they said that they would give me a temporary credit for the stolen money while they looked into my claim and conducted their investigation. \n\nThe next day after I got back to XXXX, I went to a Bank of America banking center, to make sure that my new card was on the way and that I would soon get my temporary credit. A few days later, I got a temporary credit for the {$600.00} that was stolen, but did not receive any temporary credit for the {$120.00}. So I went back to Bank of America and told them about it ; they corrected the issue, although it took almost two weeks to receive the temporary credit. At some point during the investigation, I received a message from Bank of America stating that they needed more information about the theft. So I complied and filled out an online form with more details about the theft and the officer who talked to us. \n\nThen on XX/XX/XXXX, I received another message from Bank of America stating that the investigation was done, and they concluded that all of the fraudulent charges were authorized. Therefore, they were going to reverse the temporary credit on XX/XX/XXXX. I called them on XX/XX/XXXX to ask about their investigation and why they were denying my claim, and they told me that since the fraudulent charges were authorized by entering my PIN, they concluded that the charges were not fraudulent. They also admitted that their claim investigation process did not actually involve contacting the XXXX XXXX police officer whose information I provided ; they simply verified from the vendors that a PIN was used for the purchase. I explained to them that I don't know how the robbers knew my PIN, but that it shouldn't matter because I got in touch with the police immediately after the theft, which should signify that a theft actually occurred. I also told them that I could submit the police report if that helps my case. They told me that they would reopen a new claim, and that I should submit the police report and any other supporting documentation ( such as the claim approval notice for my new phone that my phone insurance provider sent me ). I asked if they would then hold off on reversing the temporary credit, since they are reopening my claim. They said that they weren't sure. I told them that if they gave me a temporary credit for the first claim, it's only fair to let me keep the temporary credit until the new claim is completely investigated. I also mentioned that I would have severe financial hardship for the rest of the summer if they reversed the credit. They said that they would make a note of my request, but could not guarantee anything. \n\nA few days later, I got another message from Bank of America asking me to provide more details for the reopened claim. However, the link they provided didn't work properly, and I was unable to upload any supporting documentation. Then, on XX/XX/XXXX, I found out that the temporary credit for both the {$600.00} and {$120.00} was in fact reversed. At this point, I was frustrated enough with my bank and its claim process that I stopped attempting to upload any documentation ( which they told me would not even guarantee that they would verify my claim and get my money back ). As of now, the investigation for the reopened claim has not yet concluded, and I can no longer afford to wait for my bank 's response.","date_sent_to_company":"2018-08-10T18:44:51.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"02138","tags":null,"has_narrative":true,"complaint_id":"2988273","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2018-08-10T17:18:17.000Z","state":"MA","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 told them that if they gave me a <em>temporary</em> <em>credit</em> for the first <em>claim</em>, it's only fair to let me keep the <em>temporary</em> <em>credit</em> until the new <em>claim</em> is completely <em>investigated</em>. I also mentioned that I would have severe financial hardship for the rest of the summer if they <em>reversed</em> the <em>credit</em>. They said that they would make a note of my request, but could not guarantee anything. \n\nA few days later, I got another message from Bank of America asking me to provide more details for the reopened <em>claim</em>."]},"sort":[21.026281,"2988273"]},{"_index":"complaint-public-v1","_id":"7228209","_score":20.946463,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I opened a secured card with XXXX. Opening the card required a deposit. I paid an {$800.00} deposit which allowed for a secured credit card balance of {$800.00}. After reporting unrecognized charges, XXXX conducted XXXX investigation. XXXX decided to close the secured credit card account. XXXX never returned the {$800.00} deposit. XXXX reported XXXX late payments to Experian credit report however, payments were never late. The late payments XXXX is reporting were related to reversed temporary credits during the investigation. After they did not find in my favor and determined I was responsible for the fraudulent charges, reversing the temporary credit, XXXX claims resulted in late payments. Further, XXXX still refuses to return my {$800.00} deposit. The account has been closed for XXXX years.","date_sent_to_company":"2023-07-10T05:23:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20003","tags":null,"has_narrative":true,"complaint_id":"7228209","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-07-10T05:23:48.000Z","state":"DC","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":["After they did not find in my favor and determined I was responsible for the fraudulent charges, <em>reversing</em> the <em>temporary</em> <em>credit</em>, XXXX <em>claims</em> resulted in late payments. Further, XXXX still refuses to return my {$800.00} deposit. The account has been closed for XXXX years."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[20.946463,"7228209"]},{"_index":"complaint-public-v1","_id":"7231636","_score":20.94517,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I opened a secured card with Discover. Opening the card required a deposit. I paid an {$800.00} deposit which allowed for a secured credit card balance of {$800.00}. After reporting unrecognized charges, Discover  conducted XXXX investigation. Discover decided to close the secured credit card account. Discover never returned the {$800.00} deposit. Discover reported XXXX late payments to XXXX credit report however, payments were never late. The late payments Discover is reporting were related to reversed temporary credits during the investigation. After they did not find in my favor and determined I was responsible for the fraudulent charges, reversing the temporary credit, Discover claims resulted in late payments. Further, Discover still refuses to return my {$800.00} deposit. The account has been closed for XXXX years.","date_sent_to_company":"2023-07-10T05:23:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20003","tags":null,"has_narrative":true,"complaint_id":"7231636","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2023-07-10T05:15:09.000Z","state":"DC","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["After they did not find in my favor and determined I was responsible for the fraudulent charges, <em>reversing</em> the <em>temporary</em> <em>credit</em>, Discover <em>claims</em> resulted in late payments. Further, Discover still refuses to return my {$800.00} deposit. The account has been closed for XXXX years."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[20.94517,"7231636"]},{"_index":"complaint-public-v1","_id":"10330249","_score":20.613811,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX XXXX filed ( XXXX )! items under disputes/ claims from the Merchant. Claim # XXXX -- for {$280.00} and {$100.00} from XXXX -- Bill Payment. The Consumer has a post paid contract cellular account with XXXX. Consumer had filed FCC complaint against XXXX for billing irregularities dating from XX/XX/XXXX. The XXXX audit for billing was required in order to find overpayments and duplicate payment. Consumer advised and reported two claims with Chase Bank on a checking/debit card 'Secure Card ' account. This account is technically a prepaid type account and holds no value as it has no checking options nor wire transfers acceptance. \nConsumer opened the claim for dispute on XX/XX/XXXX. Chase Bank offered a provisional temporary credit in the {$380.00} to the account holder. The communication with Chase 's Claims Department were understood ; a investigation and letter of claim were to be sent to the XXXX XXXX On XX/XX/XXXX ; chased reversed the temporary credit of {$380.00} back to the account holder and didn't run an investigation, refused to send copy of claim or charge back to the XXXX XXXX Chase also refused to file a claim on ( XXXX ) additional disputed amounts. XXXX had advised the account would be under audit and would be completed by XX/XX/XXXX. Chase closed the claim on XX/XX/XXXX and reversed the provisional credit ; claiming these are disputes with the XXXX and should not be handled by Chase. The account holder informed Chase XXXX requested for consumer to refile the claim ; since they never received an initial claim in order to work with the account holder. Chase has refused to refile the claim and stated the account holder would be responsible for any credits reversed on the account.","date_sent_to_company":"2024-10-03T21:48:49.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"XXXXX","tags":"Older American","has_narrative":true,"complaint_id":"10330249","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-10-03T21:12:04.000Z","state":"DC","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["The communication with Chase 's <em>Claims</em> Department were understood ; a <em>investigation</em> and letter of <em>claim</em> were to be sent to the XXXX XXXX On XX/XX/XXXX ; chased <em>reversed</em> the <em>temporary</em> <em>credit</em> of {$380.00} back to the account holder and didn't run an <em>investigation</em>, refused to send copy of <em>claim</em> or charge back to the XXXX XXXX Chase also refused to file a <em>claim</em> on ( XXXX ) additional disputed amounts. XXXX had advised the account would be under audit and would be completed by XX/XX/XXXX."]},"sort":[20.613811,"10330249"]},{"_index":"complaint-public-v1","_id":"11876824","_score":20.457169,"_source":{"product":"Checking or savings account","complaint_what_happened":"Review case # XXXX After initially being dismissed, Bank of America conducted their investigation on the charges I reported after contacting the CFPB. While conducting the investigation, they issued two separate temporary credits for the fraudulent charges from my account. After completing their investigation, they determined that the fraud claim I opened was valid and accurate. They informed me that the temporary credit of the lesser amount would be permanent, but the credit of the higher amount would be reversed on XXXX  and told me, in short, they arent reimbursing for fraudulent charges that happened more than a year ago, so take it up with the merchant. They SUBSTANTIATED my claim and doubled down on their findings by deciding in my favor and making the temporary credit permanentbut dont want to make the larger amount permanent, although they have determined my claim is valid. It is reprehensible and completely unethical for them to advise me to fend for myself against the merchant and not reimburse me on charges that they know I didnt make, all because they feel like mehit was a long time ago, and {$500.00} is too much to make permanent, even for a customer of over 20 years.","date_sent_to_company":"2025-01-31T18:51:26.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"98682","tags":null,"has_narrative":true,"complaint_id":"11876824","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-01-31T18:28:55.000Z","state":"WA","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":["Review case # XXXX After initially being dismissed, Bank of America conducted their <em>investigation</em> on the charges I reported after contacting the CFPB. While conducting the <em>investigation</em>, they issued two separate <em>temporary</em> <em>credits</em> for the fraudulent charges from my account. After completing their <em>investigation</em>, they determined that the fraud <em>claim</em> I opened was valid and accurate."]},"sort":[20.457169,"11876824"]},{"_index":"complaint-public-v1","_id":"21517125","_score":20.083385,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year> a transaction was made of XXXX at XXXX XXXX XXXX XXXX. On Sunday XX/XX/year> I disputed the transaction on Wednesday XX/XX/year> I was given temporary credit. And on XX/XX/year> after waiting for almost 2 months I get notification that my dispute was denied they didn't provide me with any kind of information nor documentation about why my dispute was denied. So I contacted the merchant and the merchant said Noone had contacted him at all about the transaction or the dispute he then proceeded to issue the refund for the transaction. So I contacted chime because they obviously didn't investigate right and at this point my account is at negative XXXX because they denied my dispute and have reversed the temporary credit. I asked for the dispute to be reopened because I didn't feel like they actually investigated or they would've had approved it and the refund would've been taken care a long time ago. I asked that my account be put back on good standings because obviously my dispute was real and accurate and if they would've investigated like they claim they did they would've approved it and not reversed the temporary. I called twice and both times they did not want to help me reopen the dispute stating I didn't have enough evidence but I thought the issued refund would've been more than enough evidence to reopen dispute since that's what the dispute was about.i don't think it's fair that they gave me the temporary credit then they didn't do their job to investigate the matter so they deny me then they reverse the temporary credit leaving my account in negative balance and Noones trying to hear me out or help me out when I called to inform them they had denied my dispute but they had made a mistake for merchant had issued the refund.","date_sent_to_company":"2026-04-23T07:47:38.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"95122","tags":null,"has_narrative":true,"complaint_id":"21517125","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2026-04-23T06:54:52.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I asked that my account be put back on good standings because obviously my dispute was real and accurate and if they would've <em>investigated</em> like they <em>claim</em> they did they would've approved it and not <em>reversed</em> the <em>temporary</em>."]},"sort":[20.083385,"21517125"]},{"_index":"complaint-public-v1","_id":"16721814","_score":19.943716,"_source":{"product":"Checking or savings account","complaint_what_happened":"USAA resolved a fraud claim in my favor and sent a letter stating : \" After a thorough investigation, the fraud claim has been resolved in your favor. Were pleased to inform you that the temporary credit we previously posted to your account is now permanent. No further action is needed from you. '' Later, USAA reversed this credit. Their reversal notice was contradictory, stating the transaction was both fraudulent and valid. They withdrew the funds from my account.","date_sent_to_company":"2025-10-21T15:12:39.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"40324","tags":"Servicemember","has_narrative":true,"complaint_id":"16721814","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2025-10-21T15:04:16.000Z","state":"KY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["USAA resolved a fraud <em>claim</em> in my favor and sent a letter stating : \" After a thorough <em>investigation</em>, the fraud <em>claim</em> has been resolved in your favor. Were pleased to inform you that the <em>temporary</em> <em>credit</em> we previously posted to your account is now permanent. No further action is needed from you. '' Later, USAA <em>reversed</em> this <em>credit</em>. Their reversal notice was contradictory, stating the transaction was both fraudulent and valid. They withdrew the funds from my account."]},"sort":[19.943716,"16721814"]},{"_index":"complaint-public-v1","_id":"1341658","_score":19.741755,"_source":{"product":"Bank account or service","complaint_what_happened":"I contacted my bank ( Wells Fargo ) regarding a debit from my account from XXXX that I did not authorize. I filed a claim for {$220.00} then {$90.00}. I was issued a temporary credit while they investigated. On XXXX, I received a letter stating the investigation was closed and I authorized the transaction. The letter stated I could call the number and receive documentation that made my bank reach that judgement. The letter also stated that the temporary credit will be reversed \" 5 business days after XXXX/XXXX/15 ''. I called customer service to get information about my claim. I was told that it was closed but they still are in arbitration with XXXX and I may in fact get my money back. They told me that XXXX has until XXXX XXXX to respond again. I asked if they are still working to get the money back, why are they needing to reverse the credit. I was told that at that point they had to. No real answers. On XXXX/XXXX/2015 after XXXX, the credit was reversed. I had outstanding debits because I was expecting them to reverse the credit when they said they would. I called and requested to speak with a manager. I was told they will have a manager call me back within 24-48hrs. No call back. I received a bill from XXXX, showing where they reversed the payment of {$220.00} and put it back on my bill. I contacted customer service on XXXX, letting them know that XXXX reversed that. I wanted to know why if XXXX reversed it, why is my bank stating that the money was with XXXX. I also let them know I never received a call from manager. The representative stated no one was available to assist me since it was escalated to manager, so I must wait for a call. She put in a XXXX request. This is XXXX and I still have n't heard anything.","date_sent_to_company":"2015-04-22T17:08:46.000Z","issue":"Using a debit or ATM card","sub_product":"Checking account","zip_code":"30281","tags":null,"has_narrative":true,"complaint_id":"1341658","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2015-04-22T17:08:45.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I filed a <em>claim</em> for {$220.00} then {$90.00}. I was issued a <em>temporary</em> <em>credit</em> while they <em>investigated</em>. On XXXX, I received a letter stating the <em>investigation</em> was closed and I authorized the transaction. The letter stated I could call the number and receive documentation that made my bank reach that judgement. The letter also stated that the <em>temporary</em> <em>credit</em> will be <em>reversed</em> \" 5 business days after XXXX/XXXX/15 ''. I called customer service to get information about my <em>claim</em>."]},"sort":[19.741755,"1341658"]},{"_index":"complaint-public-v1","_id":"3241444","_score":19.697065,"_source":{"product":"Checking or savings account","complaint_what_happened":"Date Posted XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX misc.debit XXXX Contacted Chase XX/XX/XXXX to report fraud and received a temporary credit of XXXX while they investigated. I received a letter in the mail from chase ( XX/XX/XXXX ) that claim was denied and the temporary credit will be reversed on XX/XX/XXXX. Called Chase XXXX XX/XX/XXXX XXXX to escalate/appeal case and was told they were unable to escalate/appeal. Contacted XXXX ( XX/XX/XXXX ) location where charges occured, no managers available to resolve.","date_sent_to_company":"2019-05-14T06:42:32.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"85340","tags":null,"has_narrative":true,"complaint_id":"3241444","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-05-14T02:22:03.000Z","state":"AZ","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Date Posted XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX misc.debit XXXX Contacted Chase XX/XX/XXXX to report fraud and received a <em>temporary</em> <em>credit</em> of XXXX while they <em>investigated</em>. I received a letter in the mail from chase ( XX/XX/XXXX ) that <em>claim</em> was denied and the <em>temporary</em> <em>credit</em> will be <em>reversed</em> on XX/XX/XXXX. Called Chase XXXX XX/XX/XXXX XXXX to escalate/appeal case and was told they were unable to escalate/appeal."]},"sort":[19.697065,"3241444"]},{"_index":"complaint-public-v1","_id":"15487722","_score":19.684528,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, I noticed unauthorized charges from XXXX on my chase bank statement and immediately called the claims dept to file a claim for unauthorized charges. There were two amounts charged to my debit card that I did not authorize. The first amount was {$29.00} and the second amount was {$8.00}. When I spoke with the claims representative over the phone, she communicated to me that while the investigation was underway, Chase would issue me a temporary credit. She told me that I had full use of the credit and that if the charges are investigated and found to be valid, that temporary credit would be reversed. On XX/XX/year>, XXXX refunded me the {$29.00} but not {$8.00}. I had already used temporary credit by this time and was never told that Chase would reach out to XXXX personally to attempt to collect a refund. I also was never told that there is a possibility that XXXX would issue me a refund as well. My bank statement shows that Chase reversed the claim for {$29.00} but not {$8.00} which confused me. This happened on XX/XX/year>, two weeks after I filed the claim. My account went into the negative because Chase took the temporary credit back using the refund from XXXX as a justification. I called the claims dept to make complaints because I feel like I was manipulated and I also feel like I was not communicated with properly regarding the specifics of how my claim would be investigated. If the claims representative was more specific regarding how they would reach out to XXXX to issue a refund and that there would be a possibility that the refund would in fact be issued, then I would of never used the temporary credit. I would of reached out to XXXX personally to avoid the possibility of a reversal. I escalated this to the supervisor of the claims dept and was transferred erroneously to the supervisor of customer service. This happened twice! The customer service representative also failed to brief the next person I was transferred to as to the nature and reason for my call which further explained the lack of communication that got me to this point in the first place. The fourth time I called, I finally did reach the supervisor of the claims dept, and was abruptly and sarcastically told, theres nothing we can do. the claim rep became unprofessional in her tone and said you already spoke with a supervisor why are you calling again to which I responded I would like to speak to his supervisor as I would like to escalate this further up the chain of command. Her response was no, you have to walk into a branch and speak with them. I am a new Chase customer and am dismayed and appalled at the apathy and lack of professionalism and poor communication surrounding this matter. I do not feel like I should have to pay to resolve a negative balance on a claim that I myself reported as unauthorized charges and furthermore, pay for a failure to communicate effectively regarding their investigation process. It took me four calls back to back to speak to essentially, the same individuals who lacked effective communication skills which represents a dip in overall productivity and company morale.","date_sent_to_company":"2025-08-26T01:02:27.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"10011","tags":null,"has_narrative":true,"complaint_id":"15487722","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-08-26T00:29:42.000Z","state":"NY","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["She told me that I had full use of the <em>credit</em> and that if the charges are <em>investigated</em> and found to be valid, that <em>temporary</em> <em>credit</em> would be <em>reversed</em>. On XX/XX/year>, XXXX refunded me the {$29.00} but not {$8.00}. I had already used <em>temporary</em> <em>credit</em> by this time and was never told that Chase would reach out to XXXX personally to attempt to collect a refund. I also was never told that there is a possibility that XXXX would issue me a refund as well."]},"sort":[19.684528,"15487722"]},{"_index":"complaint-public-v1","_id":"3610831","_score":19.66249,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"USAA DENIED ME MY RIGHT TO REPORT FRAUD ID THEFT XX/XX/XXXX. THERE ARE NO INVESTIGATIONS BEGUN XX/XX/XXXX. NO TEMP INVESTIGATION CREDITS TO BEGIN FRAUD INVESTIGATION. I complained XX/XX/XXXX statement What happened to XXXX fraud.?? see attatched transactiions XXXX USAA began fraud investigations with temporary credits. USAA REVERSED THESE CREDITS XXXX XXXX. ALL XX/XX/XXXX XXXX ARE DUPLICATE UNAUTHORIZED TRANSACTIONS {$470.00} of XX/XX/XXXX -XX/XX/XXXX I REPORTED UNAUTHORIZED XX/XX/XXXX XXXX USAA DISMISSED MY FRAUD REPORT 1 ) See attatched XX/XX/XXXX statement FUTHERMORE WHICH Confirms NO TEMPORARY CREDITS TO BEGIN INVESTIGATION TO MAKE PERMANET 10 MONTHS LATER 2 ) see attatched FRAUD CLAIM DATE LETTER OF XX/XX/XXXX Confirming XX/XX/XXXX FRAUD CLAIM {$470.00} * COMPLETED 10 MONTHS LATE. THERE ARE NO TEMP TO MAKE PERMANET. THERE ARE NO REFUNDED DUPLICATE TRANSACTIONS.","date_sent_to_company":"2020-04-17T16:21:43.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"337XX","tags":"Older American","has_narrative":true,"complaint_id":"3610831","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2020-04-17T15:51:55.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["THERE ARE NO <em>INVESTIGATIONS</em> BEGUN XX/XX/XXXX. NO TEMP <em>INVESTIGATION</em> <em>CREDITS</em> TO BEGIN FRAUD <em>INVESTIGATION</em>. I complained XX/XX/XXXX statement What happened to XXXX fraud.?? see attatched transactiions XXXX USAA began fraud <em>investigations</em> with <em>temporary</em> <em>credits</em>. USAA <em>REVERSED</em> THESE <em>CREDITS</em> XXXX XXXX."],"product":["<em>Credit</em> card or prepaid card"],"sub_product":["General-purpose <em>credit</em> card or charge card"],"sub_issue":["<em>Credit</em> card company isn't resolving a dispute about a purchase on your statement"]},"sort":[19.66249,"3610831"]},{"_index":"complaint-public-v1","_id":"3576720","_score":19.544804,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I bought some shoes from XXXX which I returned back to them. Per the XXXX  tracking number, XXXX, a warehouse employee signed for the shoes. XXXX claimed they didnt receive the shoes. I provided the tracking number which they claimed wasnt working. So I disputed with my credit card, Bank of America. I provided tracking number to BOA as well. \nThey issued a temporary credit, pending the investigation. I checked my card Friday and noticed Bank of America reversed the credit. all I can do at this point is provide tracking, which I thankfully saved. \nIts deplorable that Bank of America doesnt believe in putting the work in and investigating during disputes. There no reason my credit shouldve been reversed. \nIve been calling them since XXXX, and been on hold. I understand theres a pandemic. If theyd done their due diligence, I wouldnt be in this predicament.","date_sent_to_company":"2020-03-23T16:12:18.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"21133","tags":null,"has_narrative":true,"complaint_id":"3576720","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2020-03-23T16:00:36.000Z","state":"MD","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":["XXXX <em>claimed</em> they didnt receive the shoes. I provided the tracking number which they <em>claimed</em> wasnt working. So I disputed with my <em>credit</em> card, Bank of America. I provided tracking number to BOA as well. \nThey issued a <em>temporary</em> <em>credit</em>, pending the <em>investigation</em>. I checked my card Friday and noticed Bank of America <em>reversed</em> the <em>credit</em>. all I can do at this point is provide tracking, which I thankfully saved."],"product":["<em>Credit</em> card or prepaid card"],"sub_product":["General-purpose <em>credit</em> card or charge card"],"sub_issue":["<em>Credit</em> card company isn't resolving a dispute about a purchase on your statement"]},"sort":[19.544804,"3576720"]},{"_index":"complaint-public-v1","_id":"6433710","_score":19.474485,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/XXXX, I sent a {$250.00} XXXX  deposit payment to XXXX XXXX, owner of XXXX XXXX for a custom dress for an event on XX/XX/XXXX. The dress was supposed to be delivered on XX/XX/XXXX. The owner failed to make the necessary alterations as agreed and did not deliver the dress as scheduled. A refund was requested from the owner who failed to respond. I contacted CapitalOne and explained the nature of events that I did not receive the dress as agreed and that I was requesting a refund from the owner. The owner stopped communicating with me and I tried to resolve the issue through CapitalOne. CapitalOne provided a temporary credit in the amount of {$250.00} for investigation XXXX. CapitalOne failed to request any information from me as evidence for my claim and made a decision to reverse the temporary credit on XX/XX/XXXX which was drafted on XX/XX/XXXX stating that the payment was processed per instructions yet I did not receive the services as agreed. This is the 3rd time this banking institution has failed to due it's due diligence and conduct a fair and thorough investigation on claims initiated by me. It is noteworthy to mention that I filed another claim with another banking institution concerning a final payment to this owner whereas the bank ruled in my favor. This banking institution requested information to determine that my claim was valid. In addition, I need to reference another claim which was denied by CapitalOne XXXX concerning a rental deposit of {$320.00}. CapitalOne also ruled that the payment was accurate again without conducting the proper investigation and requesting supporting documentation to substantiate my claim and the temporary credit which was given on XX/XX/XXXX was reversed on XX/XX/XXXX. However, the XXXX XXXX XXXX emailed me on XX/XX/XXXX and mailed a check in the amount of {$320.00} which was disputed with CapitalOne. I am requesting that CapitalOne honor it's commitment to consumers that utilize it's services since the banking institution has failed to properly conduct investigations when claims are initiated from my account. There is a form of prejudice that exists and I would like them to review my account with integrity and fairness. Each claim I have initiated has been denied without any request of documentation from me to make a decision.","date_sent_to_company":"2023-01-14T03:36:32.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"331XX","tags":null,"has_narrative":true,"complaint_id":"6433710","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-01-14T02:42:39.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["CapitalOne provided a <em>temporary</em> <em>credit</em> in the amount of {$250.00} for <em>investigation</em> XXXX. CapitalOne failed to request any information from me as evidence for my <em>claim</em> and made a decision to <em>reverse</em> the <em>temporary</em> <em>credit</em> on XX/XX/XXXX which was drafted on XX/XX/XXXX stating that the payment was processed per instructions yet I did not receive the services as agreed."]},"sort":[19.474485,"6433710"]},{"_index":"complaint-public-v1","_id":"2953291","_score":19.117615,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2018, I was visiting family in XXXX XXXX XXXX and went to a Chase ATM at XXXX XXXX, XXXX XXXX, NY XXXX. I was accompanied by my boyfriend and cousin. I attempted to deposit {$680.00} in cash at the ATM, but was given an error response and told to contact Chase immediately to resolve the issue. I called the number provided and spoke to a customer claim representative about my problem and gave her all of the details. I was told that it would be taken care of and was emailed an update regarding a \" temporary credit '' while Chase investigated my claim. \n\nI received a letter from Chase on XX/XX/2018 that my claim was denied and the \" temporary credit '' will be reversed. I called the Claim department at Chase to understand why my claim has been denied and how I can get my {$680.00} back. That money is an entire month 's worth of rent for me. The representative was unhelpful and informed me that the Claim department 's investigation allegedly showed that the ATM didn't have the money that I deposited. I asked about any steps I could take to resolve the issue or appeal the decision, but the representative was not forthcoming.","date_sent_to_company":"2018-07-04T07:59:54.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"60657","tags":null,"has_narrative":true,"complaint_id":"2953291","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2018-07-04T03:43:03.000Z","state":"IL","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I called the number provided and spoke to a customer <em>claim</em> representative about my problem and gave her all of the details. I was told that it would be taken care of and was emailed an update regarding a \" <em>temporary</em> <em>credit</em> '' while Chase <em>investigated</em> my <em>claim</em>. \n\nI received a letter from Chase on XX/XX/2018 that my <em>claim</em> was denied and the \" <em>temporary</em> <em>credit</em> '' will be <em>reversed</em>. I called the <em>Claim</em> department at Chase to understand why my <em>claim</em> has been denied and how I can get my {$680.00} back."]},"sort":[19.117615,"2953291"]},{"_index":"complaint-public-v1","_id":"17168629","_score":19.111296,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On Wednesday, XX/XX/year>, I was at work when I received a couple emails from XXXX saying amounts of {$10.00} & {$260.00} have been taken out of my Navy Federal Checking account and placed into my XXXX account. Which was then used to purchase bitcoin, then was transferred into an unknown account. After checking all my transactions, I saw that an amount of {$300.00} was transferred out my checking account to my apple cash, then sent to an unknown number. I called all 3 companies ; Navy Federal, XXXX, and XXXX. All XXXX informed me that an investigation would be held. Navy federal sent me a {$570.00} temporary credit until the claim was processed. I then received an email on Tuesday, XX/XX/year> stating that my fraud claim has been denied and the temporary credit would be reversed in 10 days.","date_sent_to_company":"2025-11-11T16:23:22.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"17168629","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-11-11T16:04:06.000Z","state":"IL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["All XXXX informed me that an <em>investigation</em> would be held. Navy federal sent me a {$570.00} <em>temporary</em> <em>credit</em> until the <em>claim</em> was processed. I then received an email on Tuesday, XX/XX/year> stating that my fraud <em>claim</em> has been denied and the <em>temporary</em> <em>credit</em> would be <em>reversed</em> in 10 days."],"company":["NAVY FEDERAL <em>CREDIT</em> UNION"]},"sort":[19.111296,"17168629"]},{"_index":"complaint-public-v1","_id":"15045851","_score":19.056648,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, at around XXXXXXXX XXXX, I attempted to withdraw {$700.00} from a Chase ATM. During the same session, I withdrew {$20.00}, and only that {$20.00} was dispensed. The {$700.00} never came out of the machine, even though it was deducted from my account. \n\nI called Chase and filed a claim. I was given a temporary credit, and I also went to a local Chase branch, but they said they couldnt access the camera footage and that I needed to handle the issue by phone. \n\nI called again, was told the matter was under investigation, and eventually the {$700.00} credit became permanent. However, on XX/XX/year>, Chase reversed the claim, removed {$700.00} from my account, and now my account is overdrawn by over {$600.00}. \n\nI was not provided with any explanation, proof, or warning before this reversal. I am asking for the CFPB to assist in having Chase re-investigate this matter, provide evidence for the reversal, and restore the {$700.00} or a temporary credit while its being reviewed again.","date_sent_to_company":"2025-08-01T14:17:45.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"454XX","tags":null,"has_narrative":true,"complaint_id":"15045851","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-08-01T14:08:28.000Z","state":"OH","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I called Chase and filed a <em>claim</em>. I was given a <em>temporary</em> <em>credit</em>, and I also went to a local Chase branch, but they said they couldnt access the camera footage and that I needed to handle the issue by phone. \n\nI called again, was told the matter was under <em>investigation</em>, and eventually the {$700.00} <em>credit</em> became permanent. However, on XX/XX/year>, Chase <em>reversed</em> the <em>claim</em>, removed {$700.00} from my account, and now my account is overdrawn by over {$600.00}."]},"sort":[19.056648,"15045851"]},{"_index":"complaint-public-v1","_id":"4998898","_score":18.997484,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I submitted a written billing dispute with a card issued by \" XXXX, XXXX. '' to the company \" Coinbase '' : https : XXXX This card is advertised as a \" Debit Card. '' and it is FDIC insured according to the XXXX website. I submitted a regulation E-billing dispute to \" Coinbase '' and \" XXXX. '' This is what I have in writing from them from their verified Support Email Address : \" Hello, We want to give you an update on your dispute regarding ( XXXX {$510.00} ). \n\nWere working quickly to resolve your dispute but please note that some investigations may take up to 45-90 days. While you wait for the final decision, we have processed a provisional credit to your account in the amount of ( $ XXXX ). \n\nThis is considered a temporary credit until your dispute is resolved. If your dispute is successful, your credit will become permanent. However, if the dispute is resolved in favor of the merchant, the provisional amount will be reversed. \n\nPlease note, any rewards associated with the disputed transaction have been reversed. '' I have not received a temporary credit and it has been 45 days since the claim ( Federal law requires this be applied within 10 business days. ) Also, I have an email from XXXX Third Party Seller Marketplace stating the funds for this purchase have been reversed to XXXX and the card ending in XXXX due to a billing dispute. I have not received these funds. I have not received any of the {$510.00} I disputed nor the temporary credit that is required by law and was promised by the banks support team in a verified email. \n\nMy email address is XXXX and the ticket and claim numbers assigned by the \" Coinbase Support Card Services Team '' is XXXX and XXXX.","date_sent_to_company":"2021-12-11T08:40:35.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"33428","tags":null,"has_narrative":true,"complaint_id":"4998898","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2021-12-11T03:19:58.000Z","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":["Were working quickly to resolve your dispute but please note that some <em>investigations</em> may take up to 45-90 days. While you wait for the final decision, we have processed a provisional <em>credit</em> to your account in the amount of ( $ XXXX ). \n\nThis is considered a <em>temporary</em> <em>credit</em> until your dispute is resolved. If your dispute is successful, your <em>credit</em> will become permanent. However, if the dispute is resolved in favor of the merchant, the provisional amount will be <em>reversed</em>."],"product":["<em>Credit</em> card or prepaid card"],"sub_product":["General-purpose <em>credit</em> card or charge card"],"sub_issue":["<em>Credit</em> card company isn't resolving a dispute about a purchase on your statement"]},"sort":[18.997484,"4998898"]},{"_index":"complaint-public-v1","_id":"6079545","_score":18.883047,"_source":{"product":"Checking or savings account","complaint_what_happened":"I contacted Chase Bank on XX/XX/XXXX to submit dispute on one of my transactions. \nI disputed transaction in the amount of {$14.00} because I returned my merchandise to the merchant personally and the merchant supposed to process a credit for the same amount. However, the credit has not been processed by merchant or by Chase bank and no credit was posted to my checking account ending in XXXX. Therefore, I expected that Chase bank will conduct thorough investigation of the disputed transaction and will be able to resolve this dispute to my satisfaction. They accepted my claim on XX/XX/XXXX and issued me a temporary credit in the amount of {$14.00} and advised me that if they found that the transaction was processed according to the information I provided or authorized, they will reverse temporary credit. \nOn XX/XX/XXXX, Chase provided me update on the status of my claim and informed me that they found transaction was processed accordingly or was authorized. Therefore, they will be reversing a temporary credit. I called Chase Dispute Department to request the information they used to conduct their research and explanation. They advised me that they contacted the merchant, and they received response from the merchant that transaction is valid. Chase requested from me a receipt showing the proof that merchandise was returned, and they will be presenting to the merchant to act on my behalf. I advised the representative that I do not have a receipt anymore since it has been over 2 months since transaction date. Then, they said I must contact merchant directly to resolve dispute. I advised them that they should represent me as a customer and help me to resolve this dispute. They did not even offer me to provide any proof they received from the merchant that allowed them to make decision to deny my claim. \nThis company made deceptive decision against the claim, and I feel that I should not be treated this way. I have neither merchandise nor money because of their fair decision ''","date_sent_to_company":"2022-10-13T01:40:16.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"60007","tags":null,"has_narrative":true,"complaint_id":"6079545","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-10-13T01:00:56.000Z","state":"IL","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["They accepted my <em>claim</em> on XX/XX/XXXX and issued me a <em>temporary</em> <em>credit</em> in the amount of {$14.00} and advised me that if they found that the transaction was processed according to the information I provided or authorized, they will <em>reverse</em> <em>temporary</em> <em>credit</em>. \nOn XX/XX/XXXX, Chase provided me update on the status of my <em>claim</em> and informed me that they found transaction was processed accordingly or was authorized. Therefore, they will be <em>reversing</em> a <em>temporary</em> <em>credit</em>."]},"sort":[18.883047,"6079545"]},{"_index":"complaint-public-v1","_id":"14024054","_score":18.774368,"_source":{"product":"Checking or savings account","complaint_what_happened":"I deposited {$4000.00} in cash into a Chase ATM on XX/XX/year>. The machine jammed during the transaction, and I did not receive confirmation or a receipt. Chase issued a temporary credit of {$4000.00}, then later reversed it and now my account shows a negative balance. I have attempted to work with Chase and was told to submit documentation, which I have done. I am requesting that this claim be properly investigated again. The money was never returned to me, and I believe Chase has not handled this fairly.","date_sent_to_company":"2025-06-11T16:23:18.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"11510","tags":null,"has_narrative":true,"complaint_id":"14024054","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-06-11T16:13:59.000Z","state":"NY","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Chase issued a <em>temporary</em> <em>credit</em> of {$4000.00}, then later <em>reversed</em> it and now my account shows a negative balance. I have attempted to work with Chase and was told to submit documentation, which I have done. I am requesting that this <em>claim</em> be properly <em>investigated</em> again. 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On that call and subsequent calls, they opened fraud cases for me totaling the above referenced amount. and issued me a temporary credit for the same amount. \n\nOn XX/XX/XXXX, they emailed me saying my claims had been denied due to \" Authorization and/or participation in the transaction activity. '' I then called to dispute this and they agreed to reopen the cases. The emails also said they would reverse the temporary credit they had issued on XX/XX/XXXX. They told me on the call that since the case had been reopened they would issue a new credit and that I would be contacted regarding the cases. \n\nXXXX XXXX rolls around, I have not been contacted by anyone and low and behold, they reverse the original credit leaving me with a large negative balance and did not issue me another credit. I called again to see if they could help me. The person I was connected to was basically only qualified to read off of a screen and offered me no help. 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