{"took":165,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":919,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"19995441","_score":17.01852,"_source":{"product":"Credit card","complaint_what_happened":"I am filing a complaint regarding a credit card fraud investigation handled by JPMorgan Chase. I believe the investigation was handled incorrectly and important facts were ignored. \n\nOn XX/XX/year>, a transaction for {$4500.00} labeled XXXXXXXX XXXX XXXXXXXX XXXX was made on my credit card. I did not authorize or make this transaction. I live in Indiana and the transaction activity associated with this charge occurred from other locations. \nImmediately after I noticed suspicious activity, I locked my credit card in the Chase app to prevent further unauthorized transactions. Despite the card being locked, additional attempted transactions were still made on the account while it was locked. I also received multiple alerts from Chase stating that someone was trying to use my locked card, which further shows that someone else had access to my card information.\n\nAnother important issue is that my email account had been hacked at the time. Chase sent a fraud alert asking if the transaction was authorized, and someone responded yes through my compromised email. When I later spoke with Chase, I informed them that my email had been hacked and that I did not approve that response. This response was not made by me.\n\nDespite these facts, Chase completed their investigation and determined that I am responsible for the {$4500.00} transaction. I strongly disagree with this decision because I reported the issue, locked the card immediately, and informed Chase that my email had been compromised. The unauthorized attempts while the card was locked also demonstrate that someone else had my card information.\n\nI am requesting that Chase reopen the investigation, review the fraud alerts, review the attempted transactions while the card was locked, and reconsider their decision regarding the {$4500.00} XXXX transaction. I believe this charge was unauthorized and should not be my responsibility.","date_sent_to_company":"2026-03-05T11:06:59.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"460XX","tags":null,"has_narrative":true,"complaint_id":"19995441","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-03-05T11:03:12.000Z","state":"IN","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["<em>When</em> I later spoke with Chase, I informed them that my email had been hacked and that I did not approve that response. This response was not made by me.\n\nDespite these <em>facts</em>, Chase <em>completed</em> their <em>investigation</em> and determined that I am responsible for the {$4500.00} transaction. I strongly disagree with this decision because I reported the issue, locked the card immediately, and informed Chase that my email had been compromised."]},"sort":[17.01852,"19995441"]},{"_index":"complaint-public-v1","_id":"5703953","_score":16.635593,"_source":{"product":"Mortgage","complaint_what_happened":"( Please note this overview was sent to XXXX XXXX ), XXXX XXXX, We consistently provide updates directly to your office due to the excessive amount of fraud we are experiencing in Georgia. We feel it is extremely vital to ensure you are aware of the excessive amount of ID Theft/Fraud which is taking place in this state. This is not an isolated incident. We have met numerous victims of Mortgage Fraud in Georgia, As stated previously, I was forced to file personal bankruptcy to obtain assistance with the investigation of approximately XXXX XXXX dollars of CONVENTIONAL RESIDENTIAL Mortgage fraud. We were utilized as targets and never received a mortgage for any of our properties. All closings were staged and our names were forged onto documents which profited others. There were no fraud investigations by the XXXX or the Creditors because it appears they were all involved, Until now XXXX ; XXXX and others are attempting POST PROACTIVE Approaches which should have been completed previously, Unfortunately, the damage has been done and there is no rectifying of the harm others have caused. We are preventative tips regarding the prevention of fraud, This is quite hilarious after the fact. The retained Attorney XXXX XXXX XXXX who was paid a retainer of XXXX has done nothing to assist us, In fact we know he is working with the Creditors and Bureaus to provide information to assist them with staying ahead of any charges which may be filed. Select Portfolio had the audacity to send information regarding Fraud Prevention and ask we complete an ID THEFT/FRAUD Affidavit for the 50th time. We have provided this information previously and now they are asking for additional items in order to cover themselves legally. well, it's too late to cover and besides SPS sent us a letter stating the second mortgage on the home located at XXXX XXXX XXXX XXXX XXXX GA which was stolen by the XXXX trustee. It's very obvious who's a part of this racket but it's too late. They are attempting to follow their given policy and procedure to cover themselves in a court of law, at this point we recommend they provide a level of compensation. The level of evidence against all involved is astronomical and can not be rectified. We will be honored to testify if and when needed. \n\nRespectfully Submitted","date_sent_to_company":"2022-06-24T23:25:11.000Z","issue":"Incorrect information on your report","sub_product":"Other type of mortgage","zip_code":"30045","tags":null,"has_narrative":true,"complaint_id":"5703953","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SELECT PORTFOLIO SERVICING, INC.","date_received":"2022-06-24T23:05:09.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["There were no <em>fraud</em> <em>investigations</em> by the XXXX or the Creditors because it appears they were all involved, Until now XXXX ; XXXX and others are <em>attempting</em> POST PROACTIVE Approaches which should have been <em>completed</em> previously, Unfortunately, the damage has been done and there is no rectifying of the harm others have caused. We are preventative tips regarding the prevention of <em>fraud</em>, This is quite hilarious after the <em>fact</em>."]},"sort":[16.635593,"5703953"]},{"_index":"complaint-public-v1","_id":"4796193","_score":16.480537,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX, I discovered that my credit card with Bank of America ending in XXXX had been stolen. \n\nI immediately called Bank of America and initiated a fraud claim. I clearly stated to the investigator that I never received this card, meaning that I did not have possession of this card at the time the transactions were completed. BoA informed me on XX/XX/XXXX that I would be receiving provisional credit for all charges in the claim. On XX/XX/XXXX, they informed me via letter that they had denied my claim, citing the fact that my physical card was used to complete one or more of the transactions. I did not receive the letter stating this until XX/XX/XXXX, at which point I promptly called the fraud department again to request that they reopen my claim and clearly note that I did mot have possession of the card used to complete the {$8000.00} in fraudulent charges. \n\nI was told that my dispute had been reopened- but my claim status online is still closed. Additionally, my new card has been locked. When attempting to call a different department to resolve the locked card, I was told that they were unable unlock it, and that they would transfer me to the fraud department. After 10 additional minutes on hold, the call was terminated by the other line. \n\nI am simply requesting that my account be permanently credited for the charges that were completed with a stolen card, and for my account to be closed immediately thereafter.","date_sent_to_company":"2021-10-10T04:53:41.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"972XX","tags":null,"has_narrative":true,"complaint_id":"4796193","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2021-10-10T04:42:32.000Z","state":"OR","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>When</em> <em>attempting</em> to call a different department to resolve the locked card, I was told that they were unable unlock it, and that they would transfer me to the <em>fraud</em> department. After 10 additional minutes on hold, the call was terminated by the other line. \n\nI am simply requesting that my account be permanently credited for the charges that were <em>completed</em> with a stolen card, and for my account to be closed immediately thereafter."]},"sort":[16.480537,"4796193"]},{"_index":"complaint-public-v1","_id":"10209411","_score":16.006655,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXX my entire purse was stolen, inside included my wallet with 7 credit cards, my phone and my XXXX XXXX XXXX \n\nI reached out to FNBO ( formally and who I signed up to have a credit card account with was XXXX XXXX XXXX. This card is now being ran by 'First National Bank of Omaha '. \nHad I KNOWN this bank would be implementing these policies, I would have gotten rid of the card when they changed over in XXXX. I never initially entered into any agreement with this Bank, XXXX got sold to this bank and they took over. I had my account for 3 year previous to this change WITHOUT ISSUE. Even when I had fraud activity previously, they immediately gave me credit until they completed their investigation. NOT THIS FNBO bank! on XXXX my info was stolen and attempted to be used for XXXX payment. I advised this bank of my card being stolen on the same date, XX/XX/XXXX. It was at this point that the rep advised I had activity on my card from that day, XXXX. I did not use my card and advised her that was not an authorized purchase. \n\nShe completed her intake info and I was provided a 'credit '. I then reviewed my online credit info by logging into FNBO site. I saw on XXXX XXXX XXXX charge and on XX/XX/XXXX I seen the SAME XXXXXXXX XXXX On XX/XX/XXXX I attempted to call in but was told the fraud dept was closed. Albeit, he did tell me that XXXX DID NOT HAVE TO PAY ON THE XXXXXXXX XXXX  and it was a credit for me. I didnt have to pay it. '' I told him I needed that statement in WRITIING. He said he's not authorized to give that I needed to call back the next day since fraud dept was closed. I called today on XX/XX/XXXX and was told by a 'fraud analyst ' named XXXX that there was a credit and I would not have to worry about making that payment. She stated in her NOTES, it stated there was a credit given. O On my FNBO account, I did NOT see a credit. In fact, I seen TWO CHARGES of the fraudulent XXXX! I asked about this and she said I did not have to pay for this but I DO! I HAVE A BALANCE ALREADY ON THE ACCOUNT OF XXXXXXXX So I HAVE to make a payment and they're INCLUDING the FRAUD CHARGE OF XXXXXXXX \nI was then transferred to XXXX XXXX XXXX XXXX \nHe advised FNBO DOES NOT GIVE OUT CREDITS!!!!! I was told by 3 different agents I would get a credit and after 2 billing cycles my investigation would be completed. \nXXXX advised they don't give out credits. I asked him, 'so what if the fraud charge was XXXX XXXX XXXX XXXX XXXX XXXX? I would have TO MAKE PAYMENTS ON THIS FOR 60 DAYS!? \n\nThis is highly implausible to REQUIRE consumers to pay for FRAUD CHARGES until THEIR investigations are completed! I'm STILL PAYING ON THE FRAUD CHARGE THAT I DID NOT MAKE!!!!!!!!!!!!!!!!!!!!!!","date_sent_to_company":"2024-09-24T13:58:16.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"32771","tags":null,"has_narrative":true,"complaint_id":"10209411","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST NATIONAL BANK OF OMAHA","date_received":"2024-09-24T13:30:58.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["This is highly implausible to REQUIRE consumers to pay for <em>FRAUD</em> CHARGES until THEIR <em>investigations</em> are <em>completed</em>! I'm STILL PAYING ON THE <em>FRAUD</em> CHARGE THAT I DID NOT MAKE!!!!!!!!!!!!!!!!!!!!!!"]},"sort":[16.006655,"10209411"]},{"_index":"complaint-public-v1","_id":"2572832","_score":15.877755,"_source":{"product":"Debt collection","complaint_what_happened":"This is NOT my account. It was opened fraudulently in my name. It is some kind of utility bill iXXXX XXXX XXXX Texas. When I received the first notice of this bill/account, it was by mail. I immediately contacted the collection company and told them this was fraud and explained i had been the victim of identity theft. They continued to harass me to try to get me to pay the bill, despite the fact that i was providing policy incident information, had already reported to the credit bureaus that the XXXX XXXX  addresses were fraudulent, and despite the fact that they were mailing this notice to my home address in North Carolina - so i clearly dont live in XXXX XXXX. They told me they would mail me a \" packet '' to complete and expected me to mail all kinds of personal identification and affidavits through the mail. I told them that was not going to happen as that is exactly how identity theft happens, but that i would provide them the police report information and they could use that to investigate and see that this was fraud. They refused and continued to press me for payment. They then threatened to report this to the credit agencies and damage my credit. I told them they could not do that as this was not a valid debt and i disputed it within the 30 day window. They reported it anyway and follow up attempts to get them to remove are not working.","date_sent_to_company":"2017-07-12T13:17:38.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"27615","tags":null,"has_narrative":true,"complaint_id":"2572832","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ProCollect, Inc.","date_received":"2017-07-12T13:04:51.000Z","state":"NC","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["<em>When</em> I received the first notice of this bill/account, it was by mail. I immediately contacted the collection company and told them this was <em>fraud</em> and explained i had been the victim of identity theft."]},"sort":[15.877755,"2572832"]},{"_index":"complaint-public-v1","_id":"7889926","_score":15.826019,"_source":{"product":"Checking or savings account","complaint_what_happened":"I submitted a checking account dispute on XX/XX/XXXX for a purchase in the amount of {$590.00} from XXXX made on XX/XX/XXXX. I stated in my dispute that I attempted several times to contact XXXX but have been unsuccessful. I specified I reached out via phone multiple times ( voicemails not returned ), through XXXX messenger ( no response ), and through chat via their website ( no response ). My dispute with Ally Bank was denied. I was informed I needed to attempt to resolve the issue with the merchant. As I stated in my dispute, I have exhausted every possible option available to me to reach out to this company to resolve the issue and have not received any type of response from them. My order has not been received and my refund request has not been completed or acknowledged. Ally Bank clearly did not do their due diligence when investigating this claim and blatantly ignored the facts of the initial dispute. I was promised protection by Ally Bank for fraud, yet they are not following through on that guarantee.","date_sent_to_company":"2023-11-22T10:26:34.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"76131","tags":null,"has_narrative":true,"complaint_id":"7889926","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2023-11-22T10:04:22.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["My order has not been received and my refund request has not been <em>completed</em> or acknowledged. Ally Bank clearly did not do their due diligence <em>when</em> <em>investigating</em> this claim and blatantly ignored the <em>facts</em> of the initial dispute. I was promised protection by Ally Bank for <em>fraud</em>, yet they are not following through on that guarantee."]},"sort":[15.826019,"7889926"]},{"_index":"complaint-public-v1","_id":"1487509","_score":15.783693,"_source":{"product":"Bank account or service","complaint_what_happened":"I XXXX XXXX XXXX hereby formally address a serious complaint and negative customer experience with the fraud and loss prevention center beginning on XX/XX/XXXX until this present day. \n\nFACTSOn XX/XX/XXXX I entered into a legally binding sales contract with a buyer for a condominium I owned in XXXX XXXX for 11 years, I purchased it in 2003 and I held a legitimate deed and title to the property. \n\nThe buyer made financial arrangements with the XXXX to have the proceeds from the sale of the property electronically wired to my Chase Bank account : XXXX. I was given a confirmation receipt to validate the transaction. \n\nOn XX/XX/XXXX I noticed that {$60000.00} was placed into my account, I perceived this to be the wire transfer. However I attempted to utilize my Chase debit/ Credit card it was declined. I contacted customer support and they advised me that XXXX fraudulent checks were deposited into my account. \n\nI asked them to identify the individual that was responsible, they would not, I explained to them that I did not authorize anyone to do this and I was waiting and expecting for a legitimate electronic wire fund from the XXXX for {$65000.00} and I showed them the bank confirmation from XXXX. They gave me copies of the fraudulent checks, I forwarded these bad checks to the XXXX police department when I filed a complaint, also I gave a copy of these fraudulent checks to the XXXX police and my XXXX lawyer. \n\nI then explained the situation to the fraud & Loss prevention center and this was fraudulence that I was incognizant of or who perpetrated this crime. To my surprise I was told that Chase was closing my account and they were ending their relationship with me permanently, I was in shock! I explained that I was the victim of someone else 's fraudulent activity and this course of action was victimizing the victim, they were mean spirited and apathetic that I was just violated and victimized by someone else 's fraudulent activity and they elected to close my account and severed relationship with me. \n\nWhen fraudulence occurs, it is important to conduct an empirical investigation to determine the facts to apprehend wrong doers and prevent future occurrences of this reprehensible conduct. Chase fraud & loss prevention center failed miserably in its attempt to adequately investigate this case and victimized the victim. They were incomplete in their research and questioning, failed to communicate with police authorities and include documents that were critical in their analysis of the relevant facts, they drew premature inferences and made inaccurate deductions. In generic terms they made a knee jerk reaction, mishandled the situation and investigation and made a rush to judgment, without giving the case the benefit of a complete or thorough investigation to reach an adequate resolution and protect a preferred customer that was victimized by another persons indiscretion and nefarious conduct. \n\nFurther more I attempted to ask the supervisory level to escalate my complaint against the fraud & loss prevention department to an administrative branch to have this issue redressed however they were evasive and blatantly refused, I personally believe this as an unprofessional act of circumvention. \n\nI hereby this formal letter address the administrative branch to conduct a complete investigation of these issues I am presenting in this formal complaint and take remedial action to address these personal and professional concerns, that relevant to your fiduciary and professional banking reputation","date_sent_to_company":"2015-07-27T14:08:14.000Z","issue":"Account opening, closing, or management","sub_product":"Checking account","zip_code":"330XX","tags":null,"has_narrative":true,"complaint_id":"1487509","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2015-07-27T12:12:52.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>When</em> fraudulence occurs, it is important to conduct an empirical <em>investigation</em> to determine the <em>facts</em> to apprehend wrong doers and prevent future occurrences of this reprehensible conduct. Chase <em>fraud</em> & loss prevention center failed miserably in its <em>attempt</em> to adequately <em>investigate</em> this case and victimized the victim."]},"sort":[15.783693,"1487509"]},{"_index":"complaint-public-v1","_id":"7651676","_score":15.773419,"_source":{"product":"Credit card","complaint_what_happened":"General issue : Credit card company determined a large charge was fraud but did not remove the charge from my balance. \n\nThis is in regards to a Best Buy Citi Platinum Visa. On XX/XX/2023 I received a fraud warning that originated ( I believe ) with the card issuer 's Consumer Protection Dept. about potential fraudulent charges on my card. I confirmed I did not authorize the charges and had no knowledge about them. They terminated my card and sent me a new one while investigating {$720.00} in charges from XXXX XXXX and XXXX at a hotel in XXXX XXXX, XXXX, while I was in another state. \n\nOn XXXX, XXXX, I received a letter from \" Security Operations '' delivered to my Best Buy Visa account that says \" We recently spoke to you about suspicious activity that was attempted on your My Best Buy Visa Platinum. We have good news! After completing our investigation, the attempted authorization ( s ) have been determined not to be yours and have been declined. None of these charge ( s ) have posted to your account. '' I then activated the new card they sent me. \n\nOn XXXX XXXX, I checked the card balance and the {$720.00} in fraudulent charges were posted to the account as due by XXXX XXXX. I called the customer service number and they were unable to explain the discrepancy and, after a long interval, transferred me to the Security Operations Department. I spoke with \" XXXX '' who gave me an employee number of XXXX ( she would not tell me her full name ), and described the Security Operations as a \" middleman '' working on my behalf to address my concerns. She said it was now necessary to launch an entirely new investigation that will take 90 days -- despite the fact that the Security Operations Department had already completed the first investigation and determined the charges to be fraudulent. I asked her repeatedly what had gone wrong and she would not respond with an answer. \n\nThe first investigation has already determined these charges to be fraud within XXXX  days. Why is their procedure to launch a lengthy repeat investigation when they have already determined this to be fraud? In the meantime, the charges remain on my account.","date_sent_to_company":"2023-10-05T17:37:50.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"20853","tags":null,"has_narrative":true,"complaint_id":"7651676","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-10-05T16:55:35.000Z","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":["Why is their procedure to launch a lengthy repeat <em>investigation</em> <em>when</em> they have already determined this to be <em>fraud</em>? In the meantime, the charges remain on my account."]},"sort":[15.773419,"7651676"]},{"_index":"complaint-public-v1","_id":"5703993","_score":15.338731,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"( Please note this overview was sent to President Biden ), President Biden, We consistently provide updates directly to your office due to the excessive amount of fraud we are experiencing in Georgia. We feel it is extremely vital to ensure you are aware of the excessive amount of ID Theft/Fraud which is taking place in this state. This is not an isolated incident. We have met numerous victims of Mortgage Fraud in Georgia, As stated previously, I was forced to file personal bankruptcy to obtain assistance with the investigation of approximately XXXX XXXX dollars of CONVENTIONAL RESIDENTIAL Mortgage fraud. We were utilized as targets and never received a mortgage for any of our properties. All closings were staged and our names were forged onto documents which profited others. There were no fraud investigations by the XXXX or the Creditors because it appears they were all involved, Until now XXXX ; s and others are attempting POST PROACTIVE Approaches which should have been completed previously, Unfortunately, the damage has been done and there is no rectifying of the harm others have caused. We are preventative tips regarding the prevention of fraud, This is quite hilarious after the fact. The retained Attorney XXXX XXXX XXXX who was paid a retainer of XXXX has done nothing to assist us, In fact we know he is working with the Creditors and Bureaus to provide information to assist them with staying ahead of any charges which may be filed. Transunion had the audacity to send information regarding Fraud Prevention. Well, you can ; t dispute any fraudulent account if TRANSUNION blocks you from the system after registering for an account. Must we remind them we are holding copies of XXXX  '' XXXX prior to XXXX? It's very obvious who's a part of this racket but it's too late. They are attempting to follow their given policy and procedure to cover themselves in a court of law, at this point we recommend they provide a level of compensation. The level of evidence against all involved is astronomical and can not be rectified. We will be honored to testify if and when needed. \n\nIn closing, the Attorney General of Georgia, apparently believes the new process which is being created to decrease fraud is both innovative and creative. I am sure he is taking the credit for it. Sadly, I personally see this as a superficial cover to create an illusion. Also, The money which is being generated from these new processes is benefitting who? \n\nRespectfully Submitted","date_sent_to_company":"2022-06-24T23:04:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30045","tags":null,"has_narrative":true,"complaint_id":"5703993","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-06-24T22:09:14.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["There were no <em>fraud</em> <em>investigations</em> by the XXXX or the Creditors because it appears they were all involved, Until now XXXX ; s and others are <em>attempting</em> POST PROACTIVE Approaches which should have been <em>completed</em> previously, Unfortunately, the damage has been done and there is no rectifying of the harm others have caused. We are preventative tips regarding the prevention of <em>fraud</em>, This is quite hilarious after the <em>fact</em>."]},"sort":[15.338731,"5703993"]},{"_index":"complaint-public-v1","_id":"2292654","_score":15.263217,"_source":{"product":"Debt collection","complaint_what_happened":"We completed a previous dispute under XXXX. \nComplaint is about fraudulent debt XXXX that was taken out fraudulently and owed to USAA. Here are the facts of the case. We completed a fraud packet, provided police report, proof of address, identification and a complete history that we had about the fraudster and their address history from a XXXX report and continued fraud claims in victims name. Consumer has been disputing this with USAA since XX/XX/XXXX. XX/XX/XXXX, XXXX stepped in with POA to try to resolve. XXXX resubmitted all documents certified mail for consumer. USAA has acknowledged the proof of the fraudster and their history and and are aware that someone else is using their identification. USAA fraud has had file from XXXX since XX/XX/XXXX has been contacted 15-20 times by consumer and XXXX to try to resolve matter, to which their only response is, someone will look into this and call back. You are never provided any point of contact and often they leave you on hold for an hour. They never call back. They dont investigate and resolve the matter and the debt has been sold/resold to collection agencies. We had one collection agency dismiss debt, but USAA has failed to do so. USAA has had the details of identity theft and alll pertinent documents for more than a year and are violating consumer protection laws. They have failed to discharge the debt. Consumer is getting new calls from new collection agency about debt as of XX/XX/XXXX. USAA is failing to comply with Fair Debt Collection Practices and continuing to try to collect on a fraudulent debt they are supossed to be investigating. The debt remains on victims credit report and from what we can tell no investigation been completed. When the last CFPB complaint was last filled out they sent a Consumer Report Dispute form and we resent all the documents certified on XX/XX/XXXX. It has now been over 60 days and they still continue to report this debt and collect on it. This is not the first case XXXX has had with victims and attempting to work with USAA and the treatment has been the same on the cases.","date_sent_to_company":"2017-01-17T20:59:25.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"Credit card","zip_code":"27253","tags":"Servicemember","has_narrative":true,"complaint_id":"2292654","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2017-01-17T20:59:25.000Z","state":"NC","company_public_response":"Company believes complaint is the result of an isolated error","sub_issue":"Debt resulted from identity theft"},"highlight":{"complaint_what_happened":["We <em>completed</em> a previous dispute under XXXX. \nComplaint is about fraudulent debt XXXX that was taken out fraudulently and owed to USAA. Here are the <em>facts</em> of the case. We <em>completed</em> a <em>fraud</em> packet, provided police report, proof of address, identification and a <em>complete</em> history that we had about the fraudster and their address history from a XXXX report and continued <em>fraud</em> claims in victims name. Consumer has been disputing this with USAA since XX/XX/XXXX."]},"sort":[15.263217,"2292654"]},{"_index":"complaint-public-v1","_id":"5162749","_score":15.158768,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"My university email server was hacked and emailed me a job opportunity saying apply now. I thought I was hired as an administrative assistant and was told my task was to purchase toys for an orphanange and mail them. I was sent XXXX checks to pay for this and was told to send XXXX to the orphanange. I quickly learned that this was a scam and cancelled the checks. Instead of being given a list for toys and such I was only told to handle money. I alerted BANK OF AMERICA of this and quickly placed a stop on these checks. BOA told me they would dispute and investigate the XXXX transactions and attempt to recover my funds and that it would take up to 45 days. XXXX days later I called to update BOA with a police case number for the investigation and was told the claim was denied and I would not be reimbursed. They also told me XXXX transactions are never investigated. I asked why I was told it would be investigated to begin with and all they could say was sorry and that they would not reimburse the funds regardless of fraud or scam. I explained that I was told their would be an investigation and that I was lied to and passified. They did not care, nor was there person higher in the chain of command to speak to. This is so demoralizing and frustrating. If there was never going to be an investigation why was I told there would be? Very distasteful and I have lost my trust with BOA and their standards of practice. In fact, BOA has still not sent an email stating anything or updating me about my claim even though in their system it has been denied XXXX ago. This is the same thing as fraud. Lying is fraud and scamming. I should have been informed the day I called to file this fraud claim that XXXX transactions are never investigated. This has caused me to relive a horror that could have been avoided. Lying to me and saying there would be an investigation when there never was is cruel. I have lost complete trust in this bank and will be taking my funds and banking elsewhere.","date_sent_to_company":"2022-01-29T06:56:08.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"33326","tags":null,"has_narrative":true,"complaint_id":"5162749","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-01-29T01:26:31.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["In <em>fact</em>, BOA has still not sent an email stating anything or updating me about my claim even though in their system it has been denied XXXX ago. This is the same thing as <em>fraud</em>. Lying is <em>fraud</em> and scamming. I should have been informed the day I called to file this <em>fraud</em> claim that XXXX transactions are never <em>investigated</em>. This has caused me to relive a horror that could have been avoided. Lying to me and saying there would be an <em>investigation</em> <em>when</em> there never was is cruel."],"issue":["<em>Fraud</em> or scam"]},"sort":[15.158768,"5162749"]},{"_index":"complaint-public-v1","_id":"2572001","_score":15.124498,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XXXX XXXX, 2017 there was unauthorized activity on my paypal account. There were two attempted transactions to XXXX XXXX  with email address of XXXX. The initial transaction of XXXX was completed while the second was tagged as fraud and I was notified via email. I immediately called in within seconds of receiving this notification and informed paypal this indeed was not authorized and proceeded to change my login credentials while on the phone with their agent. They informed me they would put in a case for this transaction and the funds should be returned. Why one transaction was allowed and the second was tagged as fraud the agent was unable to explain. However, the fact is paypal recognized one of the transactions to this person as fraudulent automatically. So It came as a shock on XXXX XXXX, when I received notification from paypal stating We have reviewed this transaction ( s ) and are denying your claim ( s ). This decision was made because this transaction was not unauthorized. How they came to this decision is beyond me. I called in within seconds of being alerted of the transaction and identified it as fraudulent and paypal halted a second transaction to this same person, finding it fraudulent.\n<P/>\nFurthermore paypal also states You also previously appealed this case and it was denied. The appealed case ID is XXXX. However, I never appealed the case, I only reported it once and was waiting for their investigation to complete. This is the first and only news I 've received from paypal regarding this.\n<P/>\nI am attaching the two emails I received. First the one notifying me I had appealed the case previously. Then the email notifying me of the results of the initial investigation afterwards. How could i have appealed the decision prior to even receiving the results of the initial investigation?","date_sent_to_company":"2017-07-12T07:58:02.000Z","issue":"Other transaction problem","sub_product":"Virtual currency","zip_code":"78723","tags":null,"has_narrative":true,"complaint_id":"2572001","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2017-07-12T07:44:31.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Why one transaction was allowed and the second was tagged as <em>fraud</em> the agent was unable to explain. However, the <em>fact</em> is paypal recognized one of the transactions to this person as fraudulent automatically. So It came as a shock on XXXX XXXX, <em>when</em> I received notification from paypal stating We have reviewed this transaction ( s ) and are denying your claim ( s ). This decision was made because this transaction was not unauthorized. How they came to this decision is beyond me."]},"sort":[15.124498,"2572001"]},{"_index":"complaint-public-v1","_id":"18552442","_score":14.791381,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/year>, I accessed the legitimate Wells Fargo website ( wellsfargo.com ) from my laptop and attempted to log into my account. Wells Fargo sent me a one-time authentication code by text message, which I entered correctly. Despite completing authentication, I was unable to log in.\n\nWithin approximately 1 minutes, I received automated text alerts from Wells Fargo stating that a new wire recipient had been added and that two wire transfers were sent from two different accounts totaling {$24000.00}. I did not authorize the addition of any recipient or the sending of any wire transfers.\n\nI immediately contacted Wells Fargo within 4 minutes of receiving these alerts. Wells Fargo shut down my online banking access and initiated a lost/stolen account process. I promptly filed a fraud claim.\n\nApproximately one week later, Wells Fargo denied my claim without providing any meaningful explanation, supporting documentation, or evidence showing that I authorized these transactions. Wells Fargo has not provided IP address logs, device information, authentication records, or investigation details.\n\nThese transactions appear to be the result of an account takeover or system compromise. The fact that my login attempt failed while unauthorized wire activity was allowed to proceed raises serious concerns about Wells Fargos security controls.\n\nUnder Regulation E ( 12 CFR Part 1005 ), consumers are not responsible for unauthorized electronic fund transfers when reported promptly. I reported the fraud immediately and did not authorize these transactions.\n\nWells Fargo is improperly refusing reimbursement and has not conducted a reasonable investigation as required by law.","date_sent_to_company":"2026-01-08T01:05:31.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"92841","tags":null,"has_narrative":true,"complaint_id":"18552442","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-01-08T00:48:29.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["The <em>fact</em> that my login <em>attempt</em> failed while unauthorized wire activity was allowed to proceed raises serious concerns about Wells Fargos security controls.\n\nUnder Regulation E ( 12 CFR Part 1005 ), consumers are not responsible for unauthorized electronic fund transfers <em>when</em> reported promptly. I reported the <em>fraud</em> immediately and did not authorize these transactions.\n\nWells Fargo is improperly refusing reimbursement and has not conducted a reasonable <em>investigation</em> as required by law."]},"sort":[14.791381,"18552442"]},{"_index":"complaint-public-v1","_id":"3884331","_score":14.708551,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I was the victim of fraud on XX/XX/XXXX. An individual stole my mail and intercepted my new, unactivated Discover card, and then called on the XXXX around XXXX XXXX PST to Discover trying to activate it. The individual eventually succeeded and spent about {$1300.00} on the card. \n\nI discovered this fraud when a representative called me a couple days later asking about the charges. I went through each charge with the representative and verified or denied the charges. The representative then informed me this fraud was resolved and that I would not be responsible for the charges.\n\nHowever, I received a call from the Discover Fraud department last Friday asking for additional documentation to assist the investigation - specifically, records from XXXX. I attempted to procure the documents but was told repeatedly from XXXX that for legal reasons the documents could not be provided. \n\nOn Tuesday, XX/XX/XXXX, I spoke with an individual named XXXX from the Discover Fraud unit around XXXX XXXX. I believe he said his supervisor was named XXXX or XXXX. When I informed him that I was unable to get the documents from XXXX, he informed me that my inability to do so might result in the \" investigation not being found in my favor '' and that I might be \" rebilled '' for the charges. He said those exact words repeatedly, multiple times. \n\nDiscover has a written policy called \" {$0.00} Fraud Liability Guarantee, '' stating that a customer will never be responsible for \" unauthorized charges, '' which is defined as transactions not completed or authorized by customer. I clearly went over the charges with a Discover representative and verified every charge. I do not believe I am in the wrong here, and in fact believe Discover should be held liable, as they authorized this individual to use my card without my consent. They still have not been able to tell me how exactly this individual was able to activate my card. The policy clearly states that I will not be held liable for unauthorized charges, and yet the Fraud department, specifically XXXX, stated that I might be responsible if I could not provide additional documentation. \n\nI was extremely upset from this interaction and called Discover back, wishing to file an official complaint and close my account. I spoke with someone named XXXX from Fraud, who apologized and stated that the policy was indeed accurate and that XXXX had spoken incorrectly. \n\nI was quite shaken from this incident, as I had already had my phone and credit card compromised, and Discover was not only making me feel as if the burden of proof was on me, but was also telling me information directly contradicting their written policies and marketing. \n\nWhen a company advertises a policy on their website with big letters and explains it in detail in the FAQ, one should expect the policy to be upheld and even promoted. And yet the interaction with XXXX from Fraud left me feeling lied to, disrespected, and embarrassed. I was made to feel like a criminal, when in fact I believe Discover committed the error by somehow allowing this individual to bypass their \" security '' and activate this card without my consent.","date_sent_to_company":"2020-10-06T20:30:53.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"90015","tags":null,"has_narrative":true,"complaint_id":"3884331","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2020-10-06T20:07:27.000Z","state":"CA","company_public_response":null,"sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["The representative then informed me this <em>fraud</em> was resolved and that I would not be responsible for the charges.\n\nHowever, I received a call from the Discover <em>Fraud</em> department last Friday asking for additional documentation to assist the <em>investigation</em> - specifically, records from XXXX. I <em>attempted</em> to procure the documents but was told repeatedly from XXXX that for legal reasons the documents could not be provided."]},"sort":[14.708551,"3884331"]},{"_index":"complaint-public-v1","_id":"21629923","_score":14.653419,"_source":{"product":"Credit card","complaint_what_happened":"Subject : Complaint Regarding American Express Denial of Fraud Dispute Due to Delayed Discovery I am submitting this complaint regarding American Express and its handling of a dispute involving fraudulent misrepresentation. \n\nIn XX/XX/XXXX, I used my American Express card to pay unitedpassport.com for what was as an official U.S. passport processing service. The merchants website and communications strongly implied affiliation with the U.S. government, which led me to reasonably believe I was using a legitimate government service. \n\nIn XX/XX/XXXX, when I attempted to complete my childs passport application through the United States Postal Service, I was informed that this company is not affiliated with the government and that I had been scammed. \n\nI immediately filed a dispute with American Express upon discovering the fraud. However, my claim was denied solely because the charge occurred more than 60 days prior to the dispute. \n\nAmerican Express did not appear to consider the critical fact that : The merchant engaged in deceptive practices by impersonating a government agency This deception prevented me from discovering the fraud within the standard dispute window I acted promptly and in good faith once the fraud became known This is not a typical billing dispute, but a case of fraudulent misrepresentation and services not rendered as advertised. The denial based only on timing fails to account for the delayed discovery caused by the merchants conduct. \n\nI respectfully request that the CFPB require American Express to : Reopen and fully investigate this dispute under fraud/misrepresentation guidelines Consider the delayed discovery timeline rather than applying a strict 60-day limit Issue a chargeback for this transaction I am prepared to provide supporting documentation, including receipts, communications, and evidence of the merchants misleading claims, as well as proof of when the fraud was discovered. \n\nSincerely XXXX XXXX XXXXXXXX XXXX","date_sent_to_company":"2026-04-27T16:17:51.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"017XX","tags":null,"has_narrative":true,"complaint_id":"21629923","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2026-04-27T16:04:39.000Z","state":"MA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["In XX/XX/XXXX, <em>when</em> I <em>attempted</em> to <em>complete</em> my childs passport application through the United States Postal Service, I was informed that this company is not affiliated with the government and that I had been scammed. \n\nI immediately filed a dispute with American Express upon discovering the <em>fraud</em>. However, my claim was denied solely because the charge occurred more than 60 days prior to the dispute."]},"sort":[14.653419,"21629923"]},{"_index":"complaint-public-v1","_id":"1471983","_score":14.470979,"_source":{"product":"Credit card","complaint_what_happened":"On XXXX XXXX, 2015, I ordered a specific flower arrangement as advertised on the website of XXXX with the understanding that my order would be processed on an express basis and delivered the same day. This did no occur. I tried to use the tracking number provided and that did not work. I attempted several times to call this vendor and resolve the matter. The call center turned out to be a joke. I suspected fraud. I did communicate to the company to cancel my business and promptly refund my money. This never occurred. I learned five days later that this vendor made a feeble attempt to send dead flowers in a cheap vase that I did not ask for or order. When I contacted my XXXX card issuer ( U.S. Bank/XXXX ) I was given a temporary credit. When I submitted all documentation to the fraud division, I was later told by ( XXXX ) that they do not get involved in customer disputes. In fact, he said he did not talk to the vendor at all. Astonished, I asked how this could be classified as an investigation? XXXX just kept to his script even after stating that I bought something that I did not receive. I then pursued by a phone call to have the matter escalated to someone one else. U.S. Bank personnel have been totally unresponsive. I even sent a faxed statement and request on XX/XX/2015 to their XXXX. No response. This is over a month now. I chose a credit card payment method vs. a debit card for more protection. My credit union would have resolved this by now. Not U.S. Bank. They seem completely uncaring. I do have accurate and complete documentation on this matter which supports this statement. I even provided the terrible reviews from other customers with similar experiences who lost their money by paying for something they did not receive.","date_sent_to_company":"2015-07-16T16:39:29.000Z","issue":"Billing disputes","sub_product":null,"zip_code":"91107","tags":"Older American","has_narrative":true,"complaint_id":"1471983","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2015-07-16T16:39:28.000Z","state":"CA","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["<em>When</em> I submitted all documentation to the <em>fraud</em> division, I was later told by ( XXXX ) that they do not get involved in customer disputes. In <em>fact</em>, he said he did not talk to the vendor at all. Astonished, I asked how this could be classified as an <em>investigation</em>? XXXX just kept to his script even after stating that I bought something that I did not receive. I then pursued by a phone call to have the matter escalated to someone one else. U.S. Bank personnel have been totally unresponsive."]},"sort":[14.470979,"1471983"]},{"_index":"complaint-public-v1","_id":"4987226","_score":14.432852,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX at around XXXX I received a fraud alert text from Citibank asking me if Id attempted 2 transactions with XXXX, each over {$2000.00}. I immediately replied NO. I then went to check my account online and saw 3 pending charges, the 2 I just mentioned and a small charge for {$.00} which is how fraud usually occurs by initially trying to deduct a small amount first. I immediately called Citi Fraud department. I was put on hold for over an hour and then finally spoke with someone who barely spoke XXXX. They told me that since the charges were pending they would not go through since they were unauthorized. Nonetheless on XX/XX/XXXX, the charges were posted against my account! Citi was completely negligent in allowing this. I called the fraud department again. I was put on an hour hold again. When I finally got through I was told by the agent that they would be opening an investigation and that I could not get my money back until that was completed. They said theyd be sending me forms by mail to fill out attesting that these charges were not mine nor made by anyone using my card. My card was in my wallet at the time I got the initial text so I knew that was not the case. Days go by, I receive not one shred of paper regarding a so-called investigation. I call the fraud department again. They transfer me to the dispute department. They tell me that within 10 business days I should get a provisional credit pending the investigation?! A few days later I do in fact get a credit back in my account for one of the 2 unauthorized transactions. However, not a word about the second one and still no mail from Citibank regarding any investigation. I call every day asking for the status. Im given 10 answers by 10 different people. I repeat my story over and over again from the start as if they have no record of any of it. It is XX/XX/XXXX today and Im still out over {$2000.00} due to Citibanks complete incompetence and lack of following my instructions that these were UNAUTHORIZED transactions. I am at a loss as to what to do next. Citibank is not taking care of this under any time line. It is illegal to take money from my account without my permission. Yet that is exactly what they have done.","date_sent_to_company":"2021-12-08T13:34:12.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"10025","tags":null,"has_narrative":true,"complaint_id":"4987226","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2021-12-08T13:06:46.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I called the <em>fraud</em> department again. I was put on an hour hold again. <em>When</em> I finally got through I was told by the agent that they would be opening an <em>investigation</em> and that I could not get my money back until that was <em>completed</em>. They said theyd be sending me forms by mail to fill out attesting that these charges were not mine nor made by anyone using my card. My card was in my wallet at the time I got the initial text so I knew that was not the case."]},"sort":[14.432852,"4987226"]},{"_index":"complaint-public-v1","_id":"16792624","_score":14.131202,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXX and XXXX, several charges were made to my TJMaxx card as well as other credit cards, after my wallet was stolen. I successfully reported my card stolen to several institutions, who, within a matter of hours, reissued my card, cleared my account of charges before anything was due or reported to credit agencies, and I resumed my financial activity with them. I tried several times, on the other hand, to file a similar dispute and launch an investigation with Synchrony Bank. The bank failed to launch an investigation until months later. They have repeatedly denied that I reported the card stolen and reported the charges, except they can confirm that the account was closed and reopened with a balance transfer. Then they tried to claim that they couldn't find the charges. I had them reaccess the account, under much effort on my part, and proved that there were, in fact, the following fraudulent charges made, all on XX/XX/year> : {$840.00} {$360.00} {$340.00} {$910.00} {$260.00} totaling {$2700.00} When making the initial claim, I specifically told Synchrony I did not consent to closing the account so the investigation would be completed, however, they denied my request and then did not open an investigation. When making the multiple fraud claims, I asked MULTIPLE times whether I would be held accountable for the balance and whether credit reporting agencies would be told that these charges were fraudulent, so as not to affect my near-perfect credit history. I was told repeatedly that nothing would be reported and that credit agencies would be on notice that the account was under investigation. All other financial institutions that I dealt with under this incident assured me the same and made good on their word. \nNone of this happened with Synchrony. They, their debt collectors and and now credit agencies have been dogging me for months, with incessant and harrassing emails, texts, and calls, despite my repeated attempts to get a report of the investigation status in writing or by phone, have these charges cleared and close my account once and for all. They either claim that the investigation is still ongoing ( with no progress updates until I have to call and relentlessly pursue the line of questioning, getting tossed from department to incorrect department ) or that they have no record of my efforts to launch an investigation. On the last call, the customer service agent attempted to manipulate me into claiming that the charges were not in fact fraudulent, so that I would be held financially and legally liable for them. \nThis fraudulent delinquency is now appearing on my credit report. I called to report this and they said they would absolutely take care of it, that the account was clearly still under investigation ( multiple requests for an explanation of what was taking so long and when I would finally hear back went unanswered ). I then received a letter in the mail saying that the account was in fact in delinquency so the reporting to credit reporting agencies would stand. \nI have run out of options and this has caused my family and I significant distress, knowing that my ability to take out loans or conduct other financial transactions have been compromised by the bank 's errors, negligence, and manipulation. First and foremost, I want my credit history to accurately reflect my ability to pay bills on time, which I have done for about 30 years now. I would like the investigation to come to its long-delayed close, the charges and any other fees or interest IMMEDIATELY refunded to my account. I would like Synchrony held accountable and only then, for my account fully closed with them. I would like a written confirmation of these actions along with an apology for the complete and utter carelessness and negligence. \n\nThank you for your attention to this matter.","date_sent_to_company":"2025-10-25T00:28:32.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"05401","tags":null,"has_narrative":true,"complaint_id":"16792624","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-10-25T00:00:33.000Z","state":"VT","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 had them reaccess the account, under much effort on my part, and proved that there were, in <em>fact</em>, the following fraudulent charges made, all on XX/XX/year> : {$840.00} {$360.00} {$340.00} {$910.00} {$260.00} totaling {$2700.00} <em>When</em> making the initial claim, I specifically told Synchrony I did not consent to closing the account so the <em>investigation</em> would be <em>completed</em>, however, they denied my request and then did not open an <em>investigation</em>."]},"sort":[14.131202,"16792624"]},{"_index":"complaint-public-v1","_id":"20789726","_score":14.000163,"_source":{"product":"Credit card","complaint_what_happened":"I am filing this complaint because Wells Fargo has taken an indefensible and unlawful position regarding fraudulent charges on my Wells Fargo Active Cash credit card. Their actions demonstrate a complete disregard for federal consumer protection laws, their own internal policies, and basic investigative standards. Wells Fargo is attempting to force me to pay for transactions that I did not authorize, did not benefit from, and immediately reported after their own representative assured me I would have XXXX liability. \n\nXXXX. The Fraudulent Transactions Were Impossible for Me to Have Authorized On the date the fraudulent charges occurred, I was inside my home the entire day. I was not using my phone, not making purchases, and not engaging in any activity that could be misconstrued as authorizing these transactions. \n\nDuring that time : My XXXX niece was using my phone to watch videos. \nMy brother and his newly married wife came into the home. \nI did not notice anything unusual until late that night, when I was preparing for bed and saw unfamiliar charges on my account. \n\n\nThese transactions were not made by me, not authorized by me, and not initiated with my knowledge or consent. There is no scenario in which these charges could be legitimately attributed to me. \n\nXXXX. Immediate Reporting and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX discovering the unauthorized charges, I immediately contacted XXXX XXXX XXXX Department. \n\nThe representative clearly and unequivocally stated : The transactions were unauthorized I was 0 % liable Wells Fargo would handle the fraud claim I would not be responsible for the charges This was not ambiguous. It was a direct assurance from XXXX XXXX own fraud XXXX. \n\nXXXX. XXXX XXXX Sudden Reversal Is Unjustified, Unreasonable, and Unlawful Despite their initial determination and verbal confirmation, Wells Fargo later sent me a letter claiming they had completed their investigation and found no fraud, and that they would be recharging my account. \n\nThis reversal is : Factually baseless Procedurally defective Legally indefensible A violation of the Fair Credit Billing Act ( XXXX ) A breach of their own fraudliability policies Wells Fargo can not simply declare no fraud without evidence, especially when their own representative already confirmed the opposite. \n\nXXXX. Wells Fargo Failed to Conduct a Reasonable Investigation A lawful investigation under the XXXX requires : Reviewing device data Reviewing merchant information Verifying location and XXXX XXXX Considering the consumers sworn statement Assessing the plausibility of the consumers account Documenting investigative steps Wells Fargos denial letter contains no explanation, no evidence, and no rationale. This strongly suggests that : No meaningful investigation was conducted My statements were ignored Their internal processes were not followed The decision was predetermined or automated This is not just negligence it is a failure to comply with federal law. \n\nXXXX. Wells Fargo Ignored Critical Evidence I provided a clear, detailed, and credible account of the circumstances : I was home all day I was not using my phone A minor had access to the device Other adults entered the home I discovered the charges only at night I reported the fraud immediately Wells Fargo disregarded all of this. Their denial letter does not address a single fact I provided. \n\nXXXX. Wells Fargo XXXX XXXX XXXX Their representative explicitly stated I was 0 % liable. \nReversing that position without explanation is : Deceptive Misleading Unfair A violation of federal consumer protection standards XXXX can not be told XXXX thing by a fraud XXXX and then blindsided by a contradictory decision with no justification. \n\nXXXX. Harm Caused by XXXX XXXX XXXX XXXX XXXX actions have caused : Financial harm by attempting to force me to pay for fraud Emotional distress from being blamed for unauthorized activity Potential credit damage if they continue to pursue these charges Loss of trust in a major financial institution Unnecessary hardship due to their failure to follow the law I have acted responsibly and in good faith. Wells Fargo has not.","date_sent_to_company":"2026-03-30T22:42:03.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"11223","tags":null,"has_narrative":true,"complaint_id":"20789726","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-03-30T22:22:38.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["XXXX XXXX Sudden Reversal Is Unjustified, Unreasonable, and Unlawful Despite their initial determination and verbal confirmation, Wells Fargo later sent me a letter claiming they had <em>completed</em> their <em>investigation</em> and found no <em>fraud</em>, and that they would be recharging my account."]},"sort":[14.000163,"20789726"]},{"_index":"complaint-public-v1","_id":"17257539","_score":13.975074,"_source":{"product":"Checking or savings account","complaint_what_happened":"What happened On XX/XX/year>, I was the victim of a fraudulent XXXX transactions.I sent a payment through XXXX after being misled by an individual/merchant who promised to provide specific merchandise/services once the payment was completed. After receiving the money, the individual never delivered what they promised. I attempted to contact them several times, but they stopped responding. The receiving XXXX account appears to be fraudulent. \n\nThis situation is a clear case of fraud, and I immediately filed a dispute with my bank. \n\n\n\nWhat I did I submitted a dispute to my bank explaining that the transaction was induced by fraud. \nI provided evidence, including screenshots of messages and proof that the person did not deliver what they promised. \nI explained that I was misled into authorizing the transaction and that this meets the definition of fraud under Regulation E. \n\n\n\nWhat the bank did The bank denied my dispute, stating that because the XXXX transaction was authorized, it can not be refunded. They categorized it as a cash-like transaction and refused to credit my account. \n\nThey closed the claim even after my appeal, and their response did not show that a reasonable investigation occurred. The bank did not address : The fact that I was induced through deception The fraudulent nature of the recipients account Their obligations under Regulation E, which requires a good-faith, reasonable investigation into all circumstances of the transaction Their letter stated only that the transaction was authorized, which does not address the fraud itself. \n\n\n\nWhy this is a problem A financial institution is required under Regulation E ( 12 CFR 1005 ) to conduct a reasonable investigation when a consumer reports fraudeven when a transaction was initiated by the consumer but was induced through deception. The banks refusal to consider the fraudulent circumstances and their claim that XXXX transactions can not be refunded violates the intent and requirements of Regulation E.\n\nThe banks investigation appears incomplete, dismissive, and not compliant with consumer protection laws.\n\nWhat I want the CFPB to do I am requesting the following : 1. A full review of the banks handling of my dispute 2. A directive requiring the bank to properly reinvestigate my claim 3. A refund/credit of the fraudulent XXXX transaction 4. Appropriate corrective action if the bank failed to follow Regulation E requirements I am submitting copies of : The banks denial letter My messages with the fraudulent party Evidence showing the individual never delivered the promised goods/services My dispute submissions and the banks responses","date_sent_to_company":"2025-11-14T16:33:22.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"33157","tags":null,"has_narrative":true,"complaint_id":"17257539","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SOFI TECHNOLOGIES, INC.","date_received":"2025-11-14T16:12:36.000Z","state":"FL","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["They closed the claim even after my appeal, and their response did not show that a reasonable <em>investigation</em> occurred. The bank did not address : The <em>fact</em> that I was induced through deception The fraudulent nature of the recipients account Their obligations under Regulation E, which requires a good-faith, reasonable <em>investigation</em> into all circumstances of the transaction Their letter stated only that the transaction was authorized, which does not address the <em>fraud</em> itself."]},"sort":[13.975074,"17257539"]},{"_index":"complaint-public-v1","_id":"2366071","_score":13.909187,"_source":{"product":"Bank account or service","complaint_what_happened":"On XX/XX/2017 my debit card was stolen and used for a purchase at a walgreens for an amount of {$210.00}. Immediately upon discovering this I notified my bank J.P Morgan Chase of this issue and filed a fraud claim. Additionally I filed a police report with the city police for the crime. Now this crime was unique in the fact that my card was taken from my wallet without my knowledge then returned as a means to hide the actions of the perpetrator. I explained this to Chase and they issued me a credit for the amount lost, and sent me a new card. My case with the police department was worked by a detective that handles financial crimes, surveillance tapes were reviewed, and an arrest warrant was issued for the individual that had stolen my card. \n\nAfter this had occurred on XX/XX/2017 I received an email from Chase stating that my fraud claim had been denied and that the credit would be removed from my account. I reached back out to the chase fraud department and asked for an explanation, they stated because my bank card has a chip and because it was in my possession at the time of the transaction no theft could have occurred and therefore my claim was invalid. I explained again what had happened when the crime occurred, the representative said that a new claim would be opened and the claim reversal amount was never removed from my account. \n\nAfter receiving no information from chase on the status of this investigation, on XX/XX/2017 I noticed a transaction on my account for a claim reversal for the previous amount stated of {$210.00}. I contacted Chase bank and they said part of the issue was there being two claims open for the same transaction. The rep closed one of the claims, and said that the credit would be returned to my account within 3-5 business days. \n\nToday XX/XX/2017 I contacted chase bank to follow up and inquire why the credit had not been returned. The first rep I spoke to had stated because the claims department was attempting to contact walgreens to verify information about the transaction and that there was no timeline as to when this would be completed. Being dissatisfied with this I accepted an offer to speak to a representative in the escalations department. This rep I spoke to then informed me that there was no open claim and that chase had completed their investigation, and that the credit was properly removed from my account and would not be returned. I requested that this claim be re-opened and offered to provide the police report and information regarding the criminal investigation and subsequent arrest warrant issued regarding this claim, however the representative stated that this documentation would have no bearing in the investigation because it was closed and would not have any impact regarding the claim.","date_sent_to_company":"2017-03-01T14:46:47.000Z","issue":"Using a debit or ATM card","sub_product":"Checking account","zip_code":"45011","tags":null,"has_narrative":true,"complaint_id":"2366071","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2017-03-01T14:46:46.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The first rep I spoke to had stated because the claims department was <em>attempting</em> to contact walgreens to verify information about the transaction and that there was no timeline as to <em>when</em> this would be <em>completed</em>. Being dissatisfied with this I accepted an offer to speak to a representative in the escalations department."]},"sort":[13.909187,"2366071"]},{"_index":"complaint-public-v1","_id":"8621121","_score":13.890104,"_source":{"product":"Checking or savings account","complaint_what_happened":"Money stolen from my Bank of America checking/saving accounts.\n\nAt the morning of XXXX, I received several emails showing my\n\nBank of America online banking was changes. I could not access my BofA online banking because my online credentials have been compromised too. I went to Bank of America local branch and found out that around {$9000.00} was transferred out of my Bank of America account at XXXX, several hours ago. I immediately requested a STOP payment of the transaction since it was not made/authorized by me.The banker denied my request and saying that the payment can not be stopped while been processing. The banker asked me to report as fraud later on once the transaction has been completed. I don't know too much about how bank works internally. I had no choice but to wait. \n\nSince XX/XX/XXXX, my checking/saving account and credit card account has all been compromised. I've been contacting BofA almost daily by phone calls or went to local branches. I also went to the local police department to report this money stolen/ identity fraud activity on XX/XX/XXXX ( attached ). \n\nI was finally able to file a fraud claim on XX/XX/XXXX, which is almost XXXX weeks later. My claim number is XXXX. ( I made several appointments with banker and wanted to file a fraud claim. All my attempts failed due to system malfunction and other excuses ). \n\nXX/XX/XXXX, BoA conclude their investigation by saying I authorized the transaction myself. The fact was that I did not authorized the transactions and I reported the fraud activities within XXXX hours. I clearly stated that I want to stop the payment when I met the banker at my first visit.\n\nThe bank wants me to wait until the transaction been processed. I did so. The bank made it difficult for me to file the fraud claim by having system malfunctions. The bank concluded me authorized the transaction myself despite the fact that I went to a local brand and clearly asked a stop payment of the fraudulent transaction.","date_sent_to_company":"2024-03-24T00:16:00.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"91701","tags":null,"has_narrative":true,"complaint_id":"8621121","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-03-23T22:51:03.000Z","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":["I was finally able to file a <em>fraud</em> claim on XX/XX/XXXX, which is almost XXXX weeks later. My claim number is XXXX. ( I made several appointments with banker and wanted to file a <em>fraud</em> claim. All my <em>attempts</em> failed due to system malfunction and other excuses ). \n\nXX/XX/XXXX, BoA conclude their <em>investigation</em> by saying I authorized the transaction myself. The <em>fact</em> was that I did not authorized the transactions and I reported the <em>fraud</em> activities within XXXX hours."]},"sort":[13.890104,"8621121"]},{"_index":"complaint-public-v1","_id":"19694660","_score":13.852388,"_source":{"product":"Credit card","complaint_what_happened":"In XXXX, I opened a Bank of America XXXX after receiving a promotional balance transfer offer providing 0 % interest for approximately two years. I transferred approximately {$2000.00} in existing balances and was approved for a {$7500.00} credit limit. Since opening the account, I maintained perfect payment history with no late payments or delinquencies. \n\nOn XX/XX/XXXX, with an outstanding balance of approximately {$350.00}, I attempted to use the card to pay a contractor {$7000.00} for legitimate home remodeling work. This amount was within my available credit limit. The transaction was declined. \n\nI immediately contacted Bank of America and completed identity verification, including security authentication codes sent to my phone. I was told the transaction block had been cleared and that I could proceed. However, repeated attempts to complete the transaction continued to be declined. \n\nOver multiple phone calls, Bank of America representatives provided inconsistent and contradictory explanations. At various times, they stated the merchant was reversing the charges. The merchant confirmed this was false and that the declines were coming from Bank of America. When I relayed this information back to Bank of America, they then attributed the issue to XXXX. \n\nDespite verifying my identity and confirming the legitimacy of the purchase, Bank of America continued to block my transactions. \n\nShortly thereafter, when I attempted a smaller legitimate purchase of approximately {$450.00}, Bank of America not only declined the transaction but suspended my account entirely. I was then required to visit a physical branch with two forms of identification in order to restore access, despite the fact that my identity had already been verified multiple times through secure authentication methods. \n\nBank of America later stated the transaction was flagged because it was larger than my prior purchase history. However, the transaction was within my approved credit limit, and I had fully cooperated with identity verification. Denying access to legitimately available credit under these circumstances is unreasonable and unjustified.\n\nAs a direct result of Bank of Americas actions, the merchants XXXX payment account was suspended and placed under fraud investigation. This caused reputational and professional harm to me, as the merchant and his business partner attributed the investigation to my attempted payment. This damaged a longstanding business relationship and caused unnecessary personal and professional consequences. \n\nDue to Bank of Americas refusal to allow legitimate access to my credit line, inconsistent explanations, account suspension without proper justification, and the harm caused by their actions, I paid off the remaining balance and closed the account.\n\nI am filing this complaint because Bank of America : Improperly blocked legitimate transactions after identity verification Provided inconsistent and misleading explanations regarding the cause of the declines Suspended my account without sufficient justification Failed to provide reasonable access to my approved credit line Caused reputational and professional harm as a result of their actions","date_sent_to_company":"2026-02-23T02:00:22.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"90037","tags":null,"has_narrative":true,"complaint_id":"19694660","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-02-23T01:50:36.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["As a direct result of Bank of Americas actions, the merchants XXXX payment account was suspended and placed under <em>fraud</em> <em>investigation</em>. This caused reputational and professional harm to me, as the merchant and his business partner attributed the <em>investigation</em> to my <em>attempted</em> payment. This damaged a longstanding business relationship and caused unnecessary personal and professional consequences."]},"sort":[13.852388,"19694660"]},{"_index":"complaint-public-v1","_id":"3618159","_score":13.803725,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Upon returning from a work trip to Florida, I noticed my card balance was much higher than anticipated. I immediately contacted capital one to notify them of the unauthorized charges and I was told they would submit the claim. In a matter of days I received a letter in the mail stating nothing more than we've determined you or someone you know benefited from the card. I contacted the company again when I was getting ready to make my payment since I would be making a payment for the balance less the unauthorized charges. I spoke to a Fraud dispute manager by the name of XXXX ( XXXX ). While speaking with XXXX I was placed on hold for roughly 45 minutes while she attempted to contact the adjuster who handled my issue. She was unsuccessful in getting in touch with them so I asked how the determination was made to confirm the charges were authorized. She explained that they confirmed the card was present on all but 1 of the 7 charges. I asked how they could possibly confirm that my card was present at the time of the purchase to which she stated our system just knows. I asked if there was any other proof confirming that without a doubt the card utilized was in fact the card I had in my possession. She stated there was nothing further she could provide but would have someone contact me back within 24-48 hours. I requested she place the charges into a dispute status as the charges are still being disputed by me to which she stated she could not do that. \n\nI am able to confirm my whereabouts during the times these transactions were completed which I explained to her but she did not acknowledge that statement. \n\nThese charges are unauthorized and I do not believe a reasonable investigation was completed on my dispute as I am 100 % sure I did not complete these transactions and I do not believe capital one has proven otherwise. I requested any details surrounding their decision but was told I would be receiving nothing further than the letter stating I was responsible for the charges. \n\nI would appreciate some assistance with gaining access to the details of their investigation so that I may determine my next steps. \n\nI have no issues paying for the transactions I completed but I do have an issue with this company attempting to take advantage of the working class to continue lining their pockets.","date_sent_to_company":"2020-04-22T21:47:40.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"443XX","tags":null,"has_narrative":true,"complaint_id":"3618159","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2020-04-22T21:21:15.000Z","state":"OH","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I would appreciate some assistance with gaining access to the details of their <em>investigation</em> so that I may determine my next steps. \n\nI have no issues paying for the transactions I <em>completed</em> but I do have an issue with this company <em>attempting</em> to take advantage of the working class to continue lining their pockets."]},"sort":[13.803725,"3618159"]},{"_index":"complaint-public-v1","_id":"16022983","_score":13.752176,"_source":{"product":"Credit card","complaint_what_happened":"ALSO NOTE : American Express 's violation becomes even more egregious because they're deliberately ignoring their own fraud determination to avoid refunding the larger amount. This is textbook bad faith. \n\nREVISED POWERFUL COMPLAINT DESCRIPTION : AMERICAN EXPRESS COMMITTED CLEAR FCBA VIOLATION - CONTRADICTORY FRAUD DETERMINATIONS REQUIRE IMMEDIATE {$43000.00} REFUND THE SMOKING XXXX : On XX/XX/year>, American Express created indisputable proof of their FCBA violation by issuing contradictory determinations on identical fraud disputes from the same merchant. \nDOCUMENTED CONTRADICTION : DISPUTE XXXX : AmEx APPROVED {$3400.00} credit, finding \" FRAUD BY MERCHANT ECOMMERCE HUB '' DISPUTE XXXX : AmEx DENIED {$30000.00} credit, claiming \" LEGITIMATE CHARGES BY ECOMMERCE HUB '' DISPUTE XXXX : AmEx DENIED {$12000.00} credit, claiming \" LEGITIMATE CHARGES BY ECOMMERCE HUB '' THE LEGAL IMPOSSIBILITY : American Express can not legally maintain that ECommerce Hub both : IS A FRAUDSTER ( per their approved dispute XXXX ) IS A LEGITIMATE MERCHANT ( per their denied disputes totaling {$43000.00} ) This isn't opinion- it's documented fact from AmEx 's own determination letters dated XX/XX/year>. \nPATTERN OF FRAUD - ALL IDENTICAL : Every single charge shows : Merchant : XXXX XXXX XXXX XXXX XXXX \" XXXX XXXX  XXXX '' Delivery : NONE - Zero services provided Contracts : NONE - No valid agreements exist Authorization : NONE - All charges unauthorized Time period : XXXX XXXX  WHY THIS VIOLATES FCBA ( 15 U.S.C. 1666 ) : Inconsistent Standards : FCBA requires consistent application of dispute resolution standards Bad Faith Investigation : AmEx ignored their own fraud finding to deny larger refunds Procedural Violations : System auto-rejects reopening despite documented contradiction Failure to Investigate : AmEx refused to address the contradiction when presented with evidence ATTEMPTS TO RESOLVE : XX/XX/year> : Filed initial disputes XX/XX/year> : Received contradictory determinations September 14-15, 2025 : Attempted appeals - system blocks reopening XX/XX/year> : Forced to file XXXX  Arbitration Case # XXXX XX/XX/year> : Filed separate CFPB complaint against merchant Current : AmEx refuses to acknowledge or correct violation CONCRETE DAMAGES : {$43000.00} wrongfully denied credits $ XXXX estimated interest accumulating on fraudulent charges Credit score damage from carrying fraudulent balance {$300.00} AAA arbitration filing fee ( XXXX ) Ongoing financial harm each day violation continues THE BOTTOM LINE : American Express 's own fraud determination for {$3400.00} is BINDING PROOF that establishes ALL ECommerce Hub charges as fraudulent. Their selective application of fraud findings based on dollar amounts demonstrates : Violation of FCBA consistency requirements Bad faith dispute handling Deliberate harm to consumer to avoid larger refund REQUIRED IMMEDIATE ACTION : Credit {$43000.00} for disputes XXXX and XXXX Remove ALL interest and fees on these amounts Correct credit reporting to all bureaus Provide written acknowledgment of FCBA violation Reimburse arbitration costs caused by their violation EVIDENCE AVAILABLE : AmEx determination letters showing contradiction ( XX/XX/year> ) Complete transaction records showing identical fraud pattern AAA arbitration filing documentation All dispute correspondence and appeal attempts LEGAL CERTAINTY : This isn't a dispute about facts - American Express has already determined the facts by finding fraud. This is about AmEx violating federal law by refusing to apply their own fraud finding consistently. The CFPB must compel immediate compliance with FCBA requirements.","date_sent_to_company":"2025-09-18T20:38:19.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"30907","tags":null,"has_narrative":true,"complaint_id":"16022983","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-09-18T20:27:03.000Z","state":"GA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["letters showing contradiction ( XX/XX/year> ) <em>Complete</em> transaction records showing identical <em>fraud</em> pattern AAA arbitration filing documentation All dispute correspondence and appeal <em>attempts</em> LEGAL CERTAINTY : This isn't a dispute about <em>facts</em> - American Express has already determined the <em>facts</em> by finding <em>fraud</em>."]},"sort":[13.752176,"16022983"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":919,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":919}]}},"product":{"doc_count":919,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":173,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":167},{"key":"Other personal consumer report","doc_count":6}]}},{"key":"Debt collection","doc_count":160,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":54},{"key":"Credit card debt","doc_count":52},{"key":"Other debt","doc_count":20},{"key":"Mortgage debt","doc_count":14},{"key":"Telecommunications debt","doc_count":6},{"key":"Auto 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