{"took":70,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":179,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2976004","_score":19.444046,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2018, I have requested that Transunion investigate XXXX XXXX XXXX because I don't have an account with them. Their results indicated the account as verified. I spoke with XXXX XXXX briefly. I then told them that I have never heard of them. They have no Consumer Contract with my valid signature to verify this account. The Customer Service representative told me that they have my social security number as means to verify this account. I have been a victim of Identity Theft. My social security number could easily be obtained from the Dark Web. Transunion is allowing this company to verify my account using my social security number even though I submitted a written request requiring my creditors to provide physical verification. This is in violation of my consumer rights under section 609 of the Fair Credit Reporting Act.","date_sent_to_company":"2018-07-28T22:55:13.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60419","tags":null,"has_narrative":true,"complaint_id":"2976004","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-07-28T22:02:03.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["My social <em>security</em> number <em>could</em> <em>easily</em> be obtained from the Dark Web. Transunion is allowing this company to verify my account using my social <em>security</em> number even though I submitted a written <em>request</em> requiring my creditors to provide physical verification. This is in violation of my consumer rights under section 609 of the Fair Credit Reporting Act."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[19.444046,"2976004"]},{"_index":"complaint-public-v1","_id":"2976022","_score":19.340145,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2018, I have requested that Equifax investigate XXXX XXXX because I don't have an account with them. Their results indicated the account as verified. I spoke with XXXX XXXX   briefly. I then told them that I have never heard of them. They have no Consumer Contract with my valid signature to verify this account. The Customer Service representative told me that they have my social security number as means to verify this account. I have been a victim of Identity Theft. My social security number could easily be obtained from the Dark Web. Equifax is allowing this company to verify my account using my social security number even though I submitted a written request requiring my creditors to provide physical verification. This is in violation of my consumer rights under section 609 of the Fair Credit Reporting Act.","date_sent_to_company":"2018-07-28T23:09:52.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60419","tags":null,"has_narrative":true,"complaint_id":"2976022","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-07-28T22:57:38.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["My social <em>security</em> number <em>could</em> <em>easily</em> be obtained from the Dark Web. Equifax is allowing this company to verify my account using my social <em>security</em> number even though I submitted a written <em>request</em> requiring my creditors to provide physical verification. This is in violation of my consumer rights under section 609 of the Fair Credit Reporting Act."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[19.340145,"2976022"]},{"_index":"complaint-public-v1","_id":"9981338","_score":18.723644,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian is refusing to conduct reasonable ( re ) investigations and remove accounts containing facially inaccurate and misleading information. On XX/XX/year>, Experian notified the complainant that a security freeze had been placed on their credit file 'as requested. ' However, the complainant made no such request. Instead, the complainant has consistently demanded that Experian remove several accounts/tradelines that have persisted for extended periods, despite numerous ( re ) investigations that have purportedly 'verified ' the erroneous data as accurate. \n\nRather than fulfilling its responsibilities under the FCRA, specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, Experian has instead imposed an unwarranted and unrequested security freeze on the files it maintains and disseminates regarding the complainant. Experian could just as easily remove facially false information as it can apply security freezes to accounts. Therefore, Experians decision to perpetuate information it knows, or has reasonable cause to believe, is inaccurate or misleading, is a deliberate choiceone that has continued to harm the complainant for over two years.","date_sent_to_company":"2024-08-31T00:20:55.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48111","tags":null,"has_narrative":true,"complaint_id":"9981338","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-30T23:37:59.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Experian is refusing to conduct reasonable ( re ) <em>investigations</em> and remove accounts containing facially inaccurate and misleading information. On XX/XX/year>, Experian notified the complainant that a <em>security</em> freeze had been placed on their credit file 'as <em>requested</em>. ' However, the complainant made no such <em>request</em>."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[18.723644,"9981338"]},{"_index":"complaint-public-v1","_id":"2946005","_score":17.034075,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX I applied for a Lowes Credit Card online via Synchrony Financial. On XX/XX/XXXX and XX/XX/XXXX I made several purchases. On XX/XX/XXXX I was apparently charged a Card Security Fee of {$24.00}. \n\nI noticed this card security fee on XX/XX/XXXX when I setup my online account. I immediately requested this be cancelled and refunded using their live chat system. They processed it but are asking me to wait 2 billing cycles for these changes to reflect. \n\nIt is unfair that I have to pay up front for something that I did not sign-up for. It was my responsibility to get it corrected. And, it is still my responsibility to keep following up to ensure that everything is refunded to me. If I choose not to use the card, it may take up to 6mo for my money to be returned to me in a check. \n\nI am lucky that I noticed this immediately. A less savvy user could easily end up paying $ 100s of dollars to these crooks annually. This is definitely an overreach that needs to be investigated.","date_sent_to_company":"2018-06-26T06:38:37.000Z","issue":"Fees or interest","sub_product":"Store credit card","zip_code":"48326","tags":null,"has_narrative":true,"complaint_id":"2946005","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2018-06-26T02:16:08.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["A less savvy user <em>could</em> <em>easily</em> end up paying $ 100s of dollars to these crooks annually. This is definitely an overreach that needs to be <em>investigated</em>."]},"sort":[17.034075,"2946005"]},{"_index":"complaint-public-v1","_id":"6831673","_score":16.63781,"_source":{"product":"Debt collection","complaint_what_happened":"In XXXX on XX/XX/XXXX a capital one credit card was opened in my name and my social security number was used. I was contacted in XXXX by a collection agency requesting for me to pay the balance owed for this credit card ; I explained this debt was not mine & I don't have any credit cards. I requested to speak with the fraud department and I was informed I couldn't directly speak to someone but I could create a fraud case and they would conclude if it was fraud or not I requested for capitol one to send the credit card statement so I could see what address the credit card was sent to it was a Alabama address I've never lived in Alabama when I received the statement the charges were all in the Alabama vicinity ( XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX there were other charges equaling to {$1300.00} There were some ACH transfers as well I'm grateful those were declined by the banking institution they were attempting to send those to otherwise this credit card balance could've easily been over {$3000.00}. I contacted capitol one to inquire when this fraudulent account would be removed and they informed they did there investigation and concluded the debt was valid another investigation due to this being not my credit card and debt another case was filed and and I was informed again they've concluded the debt was valid I am now contacting the cfpb for help I believe I have attempted to the best of my ability to get this properly deleted from my credit and I need your help.","date_sent_to_company":"2023-04-12T22:07:12.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"765XX","tags":null,"has_narrative":true,"complaint_id":"6831673","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-04-12T21:19:12.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["In XXXX on XX/XX/XXXX a capital one credit card was opened in my name and my social <em>security</em> number was used. I was contacted in XXXX by a collection agency <em>requesting</em> for me to pay the balance owed for this credit card ; I explained this debt was not mine & I don't <em>have</em> any credit cards."]},"sort":[16.63781,"6831673"]},{"_index":"complaint-public-v1","_id":"2664269","_score":16.424513,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Given the recent news about Equifax having been hacked of millions of personal identity files for many or not all citizens and residents in this country, I contacted the XXXX XXXX XXXX website to review my credit reports. With XXXX the process went through quite easily. For Equifax and XXXX, after answering their specific security questions successfully, the message received was that each could not provide access to my credit report online. For Equifax one was requested to print out a PDF form, fill it out, and then make photocopies of a series of personal identity documents with enlarging of some of these if the print was small. Then one was was supposed to mail this packet of highly sensitive personal identity documents to a postal address in XXXX. For XXXX, there was the request fill out a form, but no visible link to such a form so that one could fill it out. Also, the report that a number of executives of Equifax selling their stock shares in that firm before the public was informed of the security breach is major strike against the these people and this firm. I know this nation is facing major issues on many fronts, but the credit reporting industry impacts essentially all American citizens and residents and now in a potentially very damaging manner. I recommend a Congressional investigation and the charging of the specific Federal agencies with oversight to seriously examine the capacity, competence, integrity, and key business models of the credit reporting industry. XXXX apparently does manage its business model in a competent manner. For Equifax and XXXX, one has to have questions about these key issues. Finally, there is also a fourth firm, XXXX, that one was recommended to contact in a XXXX XXXX XXXXXXXX article of Saturday, XXXX XXXX, 2017, Business Day, pp. B1, B5.","date_sent_to_company":"2017-09-11T15:14:11.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"245XX","tags":null,"has_narrative":true,"complaint_id":"2664269","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-11T14:21:22.000Z","state":"VA","company_public_response":null,"sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["Given the recent news about Equifax <em>having</em> been hacked of millions of personal identity files for many or not all citizens and residents in this country, I contacted the XXXX XXXX XXXX website to review my credit reports. With XXXX the process went through quite <em>easily</em>. For Equifax and XXXX, after answering their specific <em>security</em> questions successfully, the message received was that each <em>could</em> not provide access to my credit report online."]},"sort":[16.424513,"2664269"]},{"_index":"complaint-public-v1","_id":"2664283","_score":16.37564,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Given the recent news about Equifax having been hacked of millions of personal identity files for many or not all citizens and residents in this country, I contacted the XXXX XXXX XXXX website to review my credit reports. With XXXX the process went through quite easily. For XXXX and Experian, after answering their specific security questions successfully, the message received was that each could not provide access to my credit report online. For XXXX one was requested to print out a PDF form, fill it out, and then make photocopies of a series of personal identity documents with enlarging of some of these if the print was small. Then one was was supposed to mail this packet of highly sensitive personal identity documents to a postal address in XXXX. For Experian, there was the request fill out a form, but no visible link to such a form so that one could fill it out. Also, the report that a number of executives of XXXX selling their stock shares in that firm before the public was informed of the security breach is major strike against the these people and this firm. I know this nation is facing major issues on many fronts, but the credit reporting industry impacts essentially all American  citizens and residents and now in a potentially very damaging manner. I recommend a Congressional investigation and the charging of the specific Federal agencies with oversight to seriously examine the capacity, competence, integrity, and key business models of the credit reporting industry. XXXX apparently does manage its business model in a competent manner. For XXXX and Experian, one has to have questions about these key issues. Finally, there is also a fourth firm, XXXX, that one was recommended to contact in a XXXX XXXX XXXX XXXX of Saturday, XXXX XXXX, XXXX, Business Day, pp. XXXX, XXXX.","date_sent_to_company":"2017-09-11T15:14:15.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"245XX","tags":null,"has_narrative":true,"complaint_id":"2664283","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-09-11T15:14:13.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["Given the recent news about Equifax <em>having</em> been hacked of millions of personal identity files for many or not all citizens and residents in this country, I contacted the XXXX XXXX XXXX website to review my credit reports. With XXXX the process went through quite <em>easily</em>. For XXXX and Experian, after answering their specific <em>security</em> questions successfully, the message received was that each <em>could</em> not provide access to my credit report online."]},"sort":[16.37564,"2664283"]},{"_index":"complaint-public-v1","_id":"1542705","_score":15.910139,"_source":{"product":"Credit card","complaint_what_happened":"I have XXXX credit card accounts with Synchrony Bank. I access XXXX online. Today I received an e-mail from Synchrony Bank informing me that someone had looked up my online account ID. A few minutes later, I received a notice that my password had been reset. These things occurred without my knowledge or consent. At all times, I had not disclosed the password to my e-mail account connected to the account, and I had my credit cards in my physical possession. Immediately after Synchrony Bank allowed this to happen, I was informed an unauthorized {$300.00} charge had been fraudulently posted to my account. I attempted to resolve this issue with Synchrony Bank, but of the three people I spoke with, none were able to explain to me how they had allowed my account to be so easily compromised. Because I have no confidence in Synchrony Bank 's security measures, I requested XXXX accounts be closed immediately. I want an answer from Synchrony Bank explaining how they allowed this breach to occur and I want proof that they will investigate and cause criminal action to be taken as the criminal had replaced my personal information with theirs, i.e., they have clues to investigate. XXXX could not provide this information or assurance. I feel my legitimate concerns were not taken seriously by the Synchrony Bank employees I spoke with. Further, they do not allow you to easily speak to a representative, but must first spend several minutes on a voice automated system. Their e-mail fraud alerts should contain a dedicated fraud hotline that you can call to immediately speak with a representative -- please see the attached e-mails, which ( a ) do not contain a customer service number to call ; and XXXX b ) do not allow a reply to a monitored e-mail box -- they only contain a mail address, which is absolutely useless in the event of fraud, where fast action is needed. This is inexcusable -- Synchrony Bank should absolutely make this information available IN EMAILS THEY SEND WARNING OF POSSIBLE FRAUD. I do give Synchrony Bank credit for notifying me of the breach, but the fact the breach was allowed to occur so easily is inexcusable and I ask that the CFPB please investigate and punish if warranted.","date_sent_to_company":"2015-08-28T19:02:16.000Z","issue":"Identity theft / Fraud / Embezzlement","sub_product":null,"zip_code":"945XX","tags":null,"has_narrative":true,"complaint_id":"1542705","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2015-08-28T19:02:15.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I attempted to resolve this issue with Synchrony Bank, but of the three people I spoke with, none were able to explain to me how they had allowed my account to be so <em>easily</em> compromised. Because I <em>have</em> no confidence in Synchrony Bank 's <em>security</em> measures, I <em>requested</em> XXXX accounts be closed immediately."]},"sort":[15.910139,"1542705"]},{"_index":"complaint-public-v1","_id":"16236254","_score":15.1943,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/, my Wells Fargo checking and savings accounts were fraudulently compromised. Multiple transactions in both accounts occurred. I reported the fraud immediately. \nThe fraudulent checking account transactions were confirmed, resolved and refunded by Wells Fargo but not the transactions in the savings account. \nTwo fraudulent international wire transfers of {$5000.00} totaling {$10000.00} were initiated in my saving account. Wells Fargo successfully cancelled one transfer of {$5000.00} and refunded it.\n\nBut Wells Fargo denied reimbursement of the second {$5000.00} wire transfer. I requested the case be reopened and further investigated but were told no additional actions would be taken-claiming compliance with \" governing security procedures '' and the case remains closed. \nThis denial is contradictory and legally inconsistent because the XXXX {$5000.00} transactions arose from the same fraudulent event. \n\nTrouble with Wells Fargo 's Investigation of Fraud Event : Contradiction in Findings- By refunding the checking account transactions and the first {$5000.00} in the savings account Wells Fargo has already acknowledged fraud. It can not simultaneously claim proper authorization for the remaining {$5000.00}. \nFailure of Good Faith ( UCC 1-201 ( b ) ( 20 ) ) - Refunds were issued only when Wells Fargo could recover funds easily ( ACH reversal and one cancelled wire ). Denial was issued only when Wells Fargo would have to bear the loss. This is not consistent with honesty or fair commercial dealing.\n\nFailure to Demonstrate Commercially Reasonable Security Procedure ( UCC 4A-202 ( b ) ) - Wells Fargo has not provided any evidence of what security procedures were applied. A conclusory statement that transactions \" complied with Security procedures '' does not satisfy its legal burden.\n\nIndustry Standards- Same day multiple wires from a savings account should have triggered fraud alerts or out-of band verification. Wells Fargo failed to apply such controls consistently.","date_sent_to_company":"2025-09-30T01:01:24.000Z","issue":"Fraud or scam","sub_product":"International money transfer","zip_code":"97211","tags":null,"has_narrative":true,"complaint_id":"16236254","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-09-29T23:49:16.000Z","state":"OR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I <em>requested</em> the case be reopened and further <em>investigated</em> but were told no additional actions would be taken-claiming compliance with \" governing <em>security</em> procedures '' and the case remains closed. \nThis denial is contradictory and legally inconsistent because the XXXX {$5000.00} transactions arose from the same fraudulent event."]},"sort":[15.1943,"16236254"]},{"_index":"complaint-public-v1","_id":"13471305","_score":15.027225,"_source":{"product":"Checking or savings account","complaint_what_happened":"Disputed four different unauthorized transactions on XXXX XXXX2025. \n\nThree out of four of them were found to be fraud.The third one however was denied based on no evidence of fraud according to the bank.\n\nI contacted the merchant who put me in contact with the fraud dept at there corporate office.A supervisor informed me there was no record of anyone contacting them about the transaction in question.\n\nWhen inquiring about the reason it was denied as being fraudulent, I requested how they came to this decision and requested the documents.\n\nThe documents showed a map from my address to the merchants address and stated there was no fraud because card was used with pin.Obviously the card and pin had to be used as it was an ATM transaction.\n\nAnd I reported in the original dispute that we believe the card was took from wallet used and replaced & & that it was possibly my teenage sons friend who made the transactions .. as one of the unauthorized transactions was at a car parts store and just so happened his car wasn't running at the time and a few days after transaction, he was back on the road.\n\nAnd farther more how were the other three transactions found to be unauthorized when the merchants were also local and the actual card was present to make transactions but the fourth was denied based on the same stipulations as the ones approved??\n\nand last but not least how was a proper investigation done when the bank didn't even contact the merchant?? Had they done so and requested ATM security footage from the unauthorized transaction-They would have seen who it was and could have easily proven it wasn't me with the proper investigation.\n\nAttached is a screen shot from part of the email that states their investigation included contacting the merchant.Obviously a lie and as soon as the merchant supplies me with written notification that the bank did not contact them I will provide it to the merchant and add to this report.","date_sent_to_company":"2025-05-13T06:41:10.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"280XX","tags":null,"has_narrative":true,"complaint_id":"13471305","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SOFI TECHNOLOGIES, INC.","date_received":"2025-05-13T06:14:43.000Z","state":"NC","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["and last but not least how was a proper <em>investigation</em> done when the bank didn't even contact the merchant?? Had they done so and <em>requested</em> ATM <em>security</em> footage from the unauthorized transaction-They would <em>have</em> seen who it was and <em>could</em> <em>have</em> <em>easily</em> proven it wasn't me with the proper <em>investigation</em>."]},"sort":[15.027225,"13471305"]},{"_index":"complaint-public-v1","_id":"8332692","_score":14.569777,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/XXXX $ XXXX was fraudulently transferred via wire. I got a text from Capital One asking about it and immediately called them to say it was not an authorized transaction but was told it had already been sent. I've been told by Capital One that they issued a recall on the wire transfer at XXXX XXXX. This is somewhere between 1-2 hours after I called them. The money was transferred to XXXX in XXXX XXXX XXXX, UT. Routing # XXXX. The account that received the money is XXXX. Their phone number is XXXX. They have been completely unresponsive to the recall request from Capital One. I have called their member security team but they won't deal with me because the account there is not mine. On XXXX I told Cap One they needed to call them to discuss the situation. There wasn't any confirmation they would do that but they did send another recall request. \n\nI had another checking account defrauded via debit card on XX/XX/XXXX and my bank immediately returned the money while it was being investigated. Capital One will not return the money and have said if XXXX doesn't cooperate they won't. I immediately alerted them to a problem. It was a wire transfer that could easily have been held until they got my confirmation from the text THEY sent but they sent the wire anyhow. Now they are saying it's my problem and the money is lost! I have no control over XXXX but I can't believe they have the option to not cooperate with receiving stolen funds. I have filed a police and FBI report about this.","date_sent_to_company":"2024-02-12T19:28:07.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"55110","tags":null,"has_narrative":true,"complaint_id":"8332692","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-02-12T19:04:53.000Z","state":"MN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["They <em>have</em> been completely unresponsive to the recall <em>request</em> from Capital One. I <em>have</em> called their member <em>security</em> team but they won't deal with me because the account there is not mine. On XXXX I told Cap One they needed to call them to discuss the situation. There wasn't any confirmation they would do that but they did send another recall <em>request</em>. \n\nI had another checking account defrauded via debit card on XX/XX/XXXX and my bank immediately returned the money while it was being <em>investigated</em>."]},"sort":[14.569777,"8332692"]},{"_index":"complaint-public-v1","_id":"14124520","_score":14.476662,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/year>, my Cash App account was compromised and {$1500.00} was stolen through an unauthorized XXXX purchase. I did not authorize this transaction, nor did I share my login information or credentials with anyone. \nI have filed three separate disputes with Cash App regarding this fraud. Each time, I received a denial including a response claiming the transaction was consistent with my past activity, which I strongly disagree with. Scammers often mimic previous behavior to avoid detection, and I have made it clear that I did not authorize this transaction. \nDuring a phone conversation with Cash App customer support, I was told that my account could be easily compromised regardless of its security which is extremely concerning and suggests flaws in their platform 's safety measures. \nI contacted my bank ( XXXX XXXX ), who informed me that they can not assist unless Cash App resolves the issue first. This has left me trapped between two institutions, without resolution, while I am the one who has lost money. \nI have followed Cash Apps process, including recently requesting the documents used to deny my claim, but I have not yet received a response. I am turning to the Consumer Financial Protection Bureau for support because Ive exhausted all other options and believe this matter deserves proper investigation and resolution. \nI am requesting that this dispute be reopened, the denial reviewed with transparency, and the {$1500.00} that was stolen from my account be refunded.","date_sent_to_company":"2025-06-17T22:39:35.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"554XX","tags":null,"has_narrative":true,"complaint_id":"14124520","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-06-17T22:30:19.000Z","state":"MN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I <em>have</em> followed Cash Apps process, including recently <em>requesting</em> the documents used to deny my claim, but I <em>have</em> not yet received a response. I am turning to the Consumer Financial Protection Bureau for support because Ive exhausted all other options and believe this matter deserves proper <em>investigation</em> and resolution. \nI am <em>requesting</em> that this dispute be reopened, the denial reviewed with transparency, and the {$1500.00} that was stolen from my account be refunded."]},"sort":[14.476662,"14124520"]},{"_index":"complaint-public-v1","_id":"14926322","_score":14.424404,"_source":{"product":"Mortgage","complaint_what_happened":"Guaranteed Rate Post-Closing Document Handling, Lack of Secure Options, Inappropriate External Involvement Im filing this complaint against Guaranteed Rate regarding the post-closing handling of my mortgage on XXXXXXXX XXXX XXXX XXXX, XXXX, CO XXXX. \n\nMy experience with Guaranteed Rate during the loan process was already problematic calls and emails went unanswered for days, and despite my repeated requests to confirm whether anything was outstanding, I was told everything was fine. On the day of closing, I was hit with last-minute documentation demands and informed I would need to bring significantly more cash than expected. This was unnecessarily stressful and could have easily been avoided with basic communication and diligence earlier in the process. \n\nMonths later, I was contacted by Guaranteed Rate post-closing requesting documentation related to the liquidation of XXXX used for part of the closing funds. I cooperated and agreed to provide the documentation under one condition : that I could use the same secure portal used during the loan process to upload sensitive documents. \n\nInstead, Guaranteed Rate refused to reopen the portal and attempted to force me to send financial documents via email, fax, or even in person. Most concerning, they had a former employee, now working at a competing mortgage firm ( XXXX XXXX XXXX ), contact me directly via his new company email to collect the documentation. \n\nThis is a serious breach of data handling standards and a clear failure to follow reasonable security protocols for borrower financial records. \n\nI believe Guaranteed Rate failed in its duty to securely and professionally manage borrower documentation, and attempted to use inappropriate workarounds to resolve an internal audit issue caused by their own failure to collect information during the loan. \n\nI request CFPB investigate Guaranteed Rates handling of post-closing documentation, borrower privacy, and whether this conduct violates standards for mortgage servicing and origination.","date_sent_to_company":"2025-08-13T18:04:03.000Z","issue":"Closing on a mortgage","sub_product":"Conventional home mortgage","zip_code":"804XX","tags":null,"has_narrative":true,"complaint_id":"14926322","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GUARANTEED RATE INC.","date_received":"2025-07-28T18:11:49.000Z","state":"CO","company_public_response":null,"sub_issue":"Trying to communicate with the company to fix an issue with the loan closing"},"highlight":{"complaint_what_happened":["This was unnecessarily stressful and <em>could</em> <em>have</em> <em>easily</em> been avoided with basic communication and diligence earlier in the process. \n\nMonths later, I was contacted by Guaranteed Rate post-closing <em>requesting</em> documentation related to the liquidation of XXXX used for part of the closing funds. I cooperated and agreed to provide the documentation under one condition : that I <em>could</em> use the same secure portal used during the loan process to upload sensitive documents."]},"sort":[14.424404,"14926322"]},{"_index":"complaint-public-v1","_id":"10318618","_score":14.3523445,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXX, I was informed by XXXX XXXX as security XXXX from XXXX that there was a fraud charge, and after it was resolved he offered security text alert as additional safety measure. He claimed that he can see all my bank accounts, and he said that he will send out a demo/testing message just to ensure that security text service is working. He informed me that no action will be taken and no charges will go through that mentioned in the text. \n\nOn XX/XX/XXXX, I saw XXXX charges totaling {$40000.00} from a company that I don't recognize or do business with and I do not recognize or authorize the XXXX charges. I immediately called American Express to report fraud charges and to open investigation. American Express customer service told me that \" I '' was calling earlier to close the account, and I told American Express that I had never called them earlier and it was the first time of the day that I called American Express to inform them of the fraud charges. I was very concerned that American Express customer service XXXX measure was so weak that someone could easily passed and claim to be me calling without being detected, and American Express think it was me calling when it was not. \n\nWhen I tried to report to the police, the police asked for a paper bank statement, and because I no longer have access to my account I have to rely on American Express to mail out paper copy statement to my address. I have been trying to request for 5 times since XX/XX/XXXX, and even though American Express to mail it out, it never did, as I never received and when I called back to inquire, I was told that American Express has never mailed out any paper statement, even if they said they did every time I requested. To this day, I still have not received and it has delayed my police reporting time for a month and half now, and the customer service has very bad attitude and refuse to help or provide alternative solutions. \n\nAlso, American Express has not taken investigation seriously the first time, so I had to call in to request a dispute investigation. They are currently working on it. \n\nI am deeply upset by how American Express fail to provide documents and lying about they did mail out when they didn't and keep delaying me from reporting to the police and that their customer service give very bad attitudes and refuse to help or provide solutions and that the team is not taking investigation or my explanation of what happened seriously.","date_sent_to_company":"2024-10-03T01:47:59.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"96786","tags":"Servicemember","has_narrative":true,"complaint_id":"10318618","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-10-03T00:53:22.000Z","state":"HI","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I was very concerned that American Express customer service XXXX measure was so weak that someone <em>could</em> <em>easily</em> passed and claim to be me calling without being detected, and American Express think it was me calling when it was not. \n\nWhen I tried to report to the police, the police asked for a paper bank statement, and because I no longer <em>have</em> access to my account I <em>have</em> to rely on American Express to mail out paper copy statement to my address."]},"sort":[14.3523445,"10318618"]},{"_index":"complaint-public-v1","_id":"2649743","_score":14.135136,"_source":{"product":"Debt collection","complaint_what_happened":"OnXX/XX/XXXX, I disputed three items with TransUnion credit bureau ( File XXXX ) by telephone. I explained to the TransUnion customer service representative that I believed that these three items were added either fraudulently or mistakenly on my account. I truly believe that these are incorrect charges placed on my account and I expressed my concern and my request to have these items investigated by TransUnion and subsequently removed from my credit report. The representative explained to me that the investigation would take up to thirty days and that I can follow the procedure online through the TransUnion website. On XX/XX/XXXX only ten days later, the online portal revealed that the investigation was complete on all three accounts as verified, and that on XX/XX/XXXX the results would be placed on my credit report as accurate/verified. OnXX/XX/XXXXI called TransUnion customer service to request information regarding their procedures used to verify medical debt information. The representative claims that the only form of verification they use is the person 's name and address. I explained that that information could easily be incorrect or used by anyone. However after further questioning, the representative claimed that they also verified the information from my social security number. I explained that I felt that my HIPPA rights had been violated and that I never gave any authorization to any party to disclose my protected information. Then the representative told me that if I was dissatisfied with the results of the investigation, I would have to re-dispute the items. I have tried my best to work with TransUnion directly to resolve my issue, but I feel as if they are not trying to help me resolve this. However, I submitted the same disputes with XXXX credit bureau and two items were quickly deleted. Why is it that TransUnion would refuse to remove these items? Is there some form of discrimination being used?","date_sent_to_company":"2017-08-24T17:42:01.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"393XX","tags":null,"has_narrative":true,"complaint_id":"2649743","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-08-24T17:00:43.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I explained that that information <em>could</em> <em>easily</em> be incorrect or used by anyone. However after further questioning, the representative claimed that they also verified the information from my social <em>security</em> number. I explained that I felt that my HIPPA rights had been violated and that I never gave any authorization to any party to disclose my protected information."]},"sort":[14.135136,"2649743"]},{"_index":"complaint-public-v1","_id":"9110631","_score":13.857813,"_source":{"product":"Checking or savings account","complaint_what_happened":"I was selling my car on XXXX XXXX. \nI was having a buyer, he sent me a cashier 's check. \nI went to Bank of America branch at XXXX XXXX, XXXX XXXX XXXX NJ XXXX, United States I deposited the cashier 's check on XXXXXXXX XXXX XX/XX/year>. \nOn XX/XX/XXXX, check was cleared ( see screenshot ) At this point I was confident as the check was cleared, I was thinking BofA mades all the necessary verifications to validate the money is legit and here. \nThe buyer asked me to send some money to the car mover to pick it up. I sent XXXX  XXXX through a XXXX  transfer. \n\nOn XX/XX/XXXX, BofA changed their mind and check was returned! \n\n\nI went back on XX/XX/year> to see why the check was cleared then returned and what I can do about it. \nXXXX told me there nothing to do about it even though I made a XXXX transfer to the \" movers ''. \nI end up loosing the XXXX XXXXXXXX On this same day, I went to the XXXX XXXX XXXX NJ Police department report this scam. \nTo this day, the investigation is still ongoing and the Police is trying to track down the scammer and where the money went. \nThey have an ongoing request at XXXX. \n\nPolice detective told me a week ago that I can do a claim about this to Bank Of America, which I did few days ago and they denied the XXXX claim. \n( I didn't do any before as the cashier 's at the branch told me, there's nothing they could for me ) BofA has clearly failed to make the security verification on the cashier 's check. \nThey could easily track down where the money went through the XXXX transfer and get it back.","date_sent_to_company":"2024-05-27T20:28:54.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"08831","tags":null,"has_narrative":true,"complaint_id":"9110631","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-05-27T19:49:39.000Z","state":"NJ","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":["They <em>could</em> <em>easily</em> track down where the money went through the XXXX transfer and get it back."]},"sort":[13.857813,"9110631"]},{"_index":"complaint-public-v1","_id":"8236719","_score":13.731547,"_source":{"product":"Credit card","complaint_what_happened":"XX/XX/XXXX -Credit Application was submitted, but not by me. \n\nXX/XX/XXXX -Credit Card was sent to my home address. I didn't think much of it. I thought maybe they sent me a card and I had to activate it to open the account. Didn't realize there was a hard hit on my credit as I did not authorize one. \n\nXX/XX/XXXX -Realizing there was an issue, I downloaded the CapitalOne app to see if there was an online account created. The app told me there was a digital account tied to my Social Security Number. \n-I called Capital One. They refused to confirm my identity and tell me how the application was submitted and if there were other authorized users on the account. They told me I needed to send a signed request letter with 2 forms of ID ( State ID, Passport, SS Card ) to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX or fax to XXXX. They said there is no email to send it to and that this is the only way to get any info. I have never experienced an official process that was not digital in some way. I don't feel comfortable providing this company with more sensitive personal information. I never wanted any business with CapitalOne and think there should be a better way of dealing with this. \n-A fraud case was submitted internally with Capital One. I was not give a case reference number. I was told they will send mail to my home address on the subject. Why not send the requested info to my home address also. \n\nXX/XX/XXXX -Got an email telling me that my email address on file was changed. This made me concerned that the fraud was continuing. I called Capital One again. They took the time to identify me by asking questions like Social Security Number and address and email address. They eventually told me the account was closed after having me on hold for 10 minutes. \n-I told them I expected communication confirming this and they told me that would not happen. I reminded this person of what I was told on XX/XX/XXXX and they immediately changed their answer. Saying a letter was sent on Thursday XX/XX/XXXX. I find this hard to believe because I only reported the fraud that day ( XX/XX/XXXX ) at XXXX EST. Also the investigation was to take some time. They even asked for a time schedule so they could call me. \n\nXX/XX/XXXX -Submitting Complaint to FTC through CFPB. \n-I plan on filing a Police Report Today including everything I know thus far including a phone number I had to find on my credit report. CapitalOne could have given me this phone number but did not. \n\nOther Notes -I need answers and not to be lied to. \n-I need to talk to someone knowledgeable, not someone reading a script, working from from home without the ability to escalate easily ( XXXX XXXX XX/XX/XXXX ). \n-I am the victim here. It seems CapitalOne made it very easily for a fraudulent application to be submitted and approved, but when the victim calls for answers they are not given the info request. \n-This is not the first time CapitalOne has made an unauthorized hard hit on my credit. The first one has gone away because it was so long ago. But the fact that it has happed twice makes me believe it will happen again through CapitalOne.","date_sent_to_company":"2024-01-27T18:50:22.000Z","issue":"Improper use of your report","sub_product":"General-purpose credit card or charge card","zip_code":"440XX","tags":null,"has_narrative":true,"complaint_id":"8236719","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-01-27T17:00:33.000Z","state":"OH","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["Also the <em>investigation</em> was to take some time. They even asked for a time schedule so they <em>could</em> call me. \n\nXX/XX/XXXX -Submitting Complaint to FTC through CFPB. \n-I plan on filing a Police Report Today including everything I know thus far including a phone number I had to find on my credit report. CapitalOne <em>could</em> <em>have</em> given me this phone number but did not. \n\nOther Notes -I need answers and not to be lied to."]},"sort":[13.731547,"8236719"]},{"_index":"complaint-public-v1","_id":"16180908","_score":13.634946,"_source":{"product":"Checking or savings account","complaint_what_happened":"Re : Formal Complaint Against XXXX Mishandling of Potential Unauthorized Access & Security Negligence I am writing to file a formal complaint against SoFi Bank, XXXX. and its parent company XXXX XXXX XXXX XXXX for a series of potential security failures and repeated refusals to properly investigate or respond to clear indications of unauthorized access to my financial account. \n\n\n\nSummary of the Incident : Today, at approximately XXXX XXXX, I received a two-factor authentication ( XXXX ) code via text message from XXXX official XXXX  short code the same number XXXX always uses for login verification. I had not attempted to log in at that time, which immediately raised concern. \n\nI logged into my XXXXXXXX XXXX XXXX and checked the XXXX XXXX section under the XXXX tab. There, I found a pattern of nearly daily logins using the XXXX browser over the last XXXX  days. I do not use XXXX and have not authorized any apps or individuals to access my account. \n\n\n\nInconsistent and Misleading Responses from XXXX : When I contacted XXXX about this, I encountered a disturbing series of conflicting explanations : XXXX. Initial Chat Support : The agent told me that XXXX is aware of an ongoing issue with XXXX logins, and said they would be adding additional security to my account. \nThis implicitly acknowledged a security issue yet no further steps were taken, and no follow-up was provided. \nXXXX. XXXX  Phone Call to Customer Service : The first customer service agent I spoke with said she could not see several of the XXXX logins I was seeing in my own login history. \nThis raises serious concerns about what internal access XXXX agents have to security logs and whether login activity is being monitored properly. \nXXXX. Call to XXXX Department : A woman from the security team told me, verbatim, that XXXX logins are literally nothing to worry about. \nShe suggested the logins were probably from an app I had given access to, but I have not authorized any third-party apps to access my XXXX account XXXX \nShe dismissed my concerns entirely without any actual investigation or offer to review the access logs. \nXXXX. Level XXXX XXXX XXXX ( Later Call ) : They told me the login activity was authorized and likely related to XXXX reviewing transaction activity. \nHowever, this claim makes no technical or operational sense. XXXX does not log in to individual customer bank accounts through consumer-facing browsers. \nXXXX. Request for Login Records Denied : I requested the full login logs including XXXX addresses, device IDs, and geolocation and was told that XXXX could only confirm the activity came from XXXX. \nAs I explained to XXXX, XXXX geolocation is easily spoofed using VPNs or masking tools. The geographic claim provides no assurance of legitimacy. \n\n\n\nWhy This Is a Serious Concern : My XXXX account holds a large personal loan, in addition to checking, savings, and investment balances. The repeated logins via an unfamiliar browser, occurring on days with no actual user activity, is extremely concerning. \n\nThe fact that XXXX : Refused to investigate further Dismissed the issue without looking at the full logs Gave conflicting explanations from multiple departments Denied me access to my own security data Told me there is nothing to worry about based on an incorrect assumption demonstrates a severe failure of internal security practices and accountability. \n\n\n\nWhat I Am Requesting : I am respectfully asking your office to take the following steps : XXXX. Investigate XXXX  handling of this potential unauthorized access. \nWhy were daily XXXX logins from an unused browser not flagged? \nWhy do customer service agents not have visibility into complete login records? \nXXXX. Compel XXXX to provide me : A complete copy of all login logs for my account ( IP, timestamps, device/browser ID, geolocation ) Internal notes or reports related to the incident or any investigation A copy of my customer file, with any security or fraud case references XXXX. Ensure XXXX improves its internal procedures, including : Immediate escalation of suspicious login reports Access to full login and access logs for customers upon request Transparency and consistency in responses from their security department Supporting Documentation : I am prepared to provide : Screenshot of the XXXX code sent by XXXX at XXXX XXXX  Screenshots of XXXX login history shown in my app Full logs of my conversations with XXXX representatives via phone and chat Copies of my requests to XXXX complaints team and their responses This situation demonstrates a pattern of negligence and deflection, not a good-faith effort to resolve a potential breach. I am formally requesting that your office hold XXXX accountable under applicable financial protection, data security, and consumer complaint laws. \n\nPlease confirm receipt of this letter and let me know the best way to submit supporting evidence. \n\nSincerely,","date_sent_to_company":"2025-09-25T17:05:38.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"945XX","tags":null,"has_narrative":true,"complaint_id":"16180908","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SOFI TECHNOLOGIES, INC.","date_received":"2025-09-25T16:50:24.000Z","state":"CA","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["<em>Request</em> for Login Records Denied : I <em>requested</em> the full login logs including XXXX addresses, device IDs, and geolocation and was told that XXXX <em>could</em> only confirm the activity came from XXXX. \nAs I explained to XXXX, XXXX geolocation is <em>easily</em> spoofed using VPNs or masking tools. The geographic claim provides no assurance of legitimacy. \n\n\n\nWhy This Is a Serious Concern : My XXXX account holds a large personal loan, in addition to checking, savings, and investment balances."]},"sort":[13.634946,"16180908"]},{"_index":"complaint-public-v1","_id":"9265996","_score":13.456455,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I was XXXX  abroad, my phone was stolen and multiple accounts accessed. On the morning following my XXXX  I made desperate calls to my banks and credit cards to freeze my accounts. However, when I called the published Robin Hood number, the automated announcement was that THE ONLY WAY TO REACH customer service was by logging into the app and requesting a callback from there. However, the thieves were easily able to replace my login credentials in my Robin Hood account so I could not log in. So there was NO WAY for me to report this fraud to Robin Hood. I know it sounds crazy but other people on have had similar experiences leading to losses. Again there is no way to speak with a rep if one is locked out by fraud. In desperation, I created another account just to speak with a human from Robin Hood. I tried to explain the situation to a poorly trained service rep who was working off a very narrow script. However, they just hung up on me! Desperate repeated calls led to more hang ups. Requests to speak with a supervisor led to more hang ups! \n\nI was only able to speak with an actual XXXX based rep who listened to my story 2 months later. I was finally granted partial access to my account and saw that ~ {$28000.00} ( all assets ) were siphoned off in the week after the initial incident. It took them a week to do it. If there was a way to freeze the account, this never would have happened. I was told by Robin Hood however that according to the published Robin Hood guarantee, my losses would be compensated as the transactions were fraudulent and a full internal investigation would be launched. Robin Hood does indeed publish a guarantee that reads : Well cover 100 % of direct losses due to unauthorized account activity Shortly thereafter, my account was locked again because RH could not remove the thief 's phone number from account credentials. It took another several months to regain full access to my account. Subsequently, I called RH for the status of my case. Depending on which foreign customer service I spoke to, they would either tell me that they have no record of my incident or tell me that security team is working on it AND lock my account again. Requests for a supervisor led to yes more hang ups. At no point was I able to speak with anyone from a higher level of the company. Eventually, I got an email from Robin Hood saying that my request for compensation was denied because I did not abide by their guidelines when my phone was stolen. At no point did Robin Hood request any documentation, police records or any other information that would be required to conduct an actual investigation into the matter. \n\nI immediately called back and requested clarification. The rep I spoke with had no record of my complaint in my account! I submitted all the details of the incident again. This time I offered to provide them with the documents related to the incident and the rep said \" yes if you want to '' and did provide me with a document link. I uploaded the police report and once again requested to speak with a higher up but was denied. Eventually, I got an email from a generic customer service representative, saying that my request is denied and the case is closed. \n\nNot only did Robin Hood allow the thieves to easily access my account and steal my hard earned money, but they also have absolutely no mechanism to stop the fraud in progress even when I was aware of it. Furthemore, they reneged on their publicly posted guarantee to replace the funds in case of an unauthorized access after promising me to reinstate my funds.","date_sent_to_company":"2024-06-14T10:56:11.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"100XX","tags":null,"has_narrative":true,"complaint_id":"9265996","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ROBINHOOD MARKETS INC.","date_received":"2024-06-14T10:27:36.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["However, when I called the published Robin Hood number, the automated announcement was that THE ONLY WAY TO REACH customer service was by logging into the app and <em>requesting</em> a callback from there. However, the thieves were <em>easily</em> able to replace my login credentials in my Robin Hood account so I <em>could</em> not log in. So there was NO WAY for me to report this fraud to Robin Hood. I know it sounds crazy but other people on <em>have</em> had similar experiences leading to losses."]},"sort":[13.456455,"9265996"]},{"_index":"complaint-public-v1","_id":"4801368","_score":13.135886,"_source":{"product":"Checking or savings account","complaint_what_happened":"To Whom This May Concern, I am submitting a formal complaint against Capital One Bank for their inefficient and mishandling of my card dispute. I was a victim of card fraud when I noticed on my bank transactions an ATM withdrawal of {$110.00} cents on XX/XX/2021 and another one for {$140.00} cents on XX/XX/2021. I immediately checked to see if my card was in my wallet, because I had just come back from a trip to XXXX on XX/XX/XXXX, and it was. I called my bank to report the charges and request a new card which I had done a few times before in different situations without issue. They told me they would get back to me after investigating and to wait for my new card to be shipped out while they locked my account like always. I cut up my card and threw it away without a second thought, because I thought the situation would be easily resolved. To my surprise, I received an email that my claim had been denied because apparently there was a chip present at the time of the withdrawal which I know is not possible, because I had my card on me and I never withdrew at an ATM. I called my bank again to request copies of the documents used to make this decision as the email directed me to, but the representative wasnt even familiar with my case. I asked to speak with whoever was in charge of investigations so that I could try to offer insight or understand what was being done to investigate. I thought any reasonable person could look at my case and see that it was obviously fraud considering that its not even possible to withdraw the amounts {$110.00} cents and {$140.00} cents from an ATM. I know for a fact you can not get XXXX cents from an ATM which I told the representative and they said they would make a note of it. I also explained that the transactions didnt have a location of the ATM like it normally does on every transaction, which I found suspicious. All the representative could do was offer to open the dispute again, because there is no direct number to investigations. They gave me an email to send proof that I was in XXXX at the time of the incident which I did submit pictures to, but I never got a response or even an acknowledgment that it was received. It was highly frustrating that there was nothing I could do but wait for that email that my claim had just been denied again with no correspondence before that. I called again and waited for this new representative to read over my case only to find out that there was never any notes written down in my file and no email from me, even though I sent one. The representative never sent me copies of the documents, but told me that the ATM was conveniently also in XXXX and that it wasnt a Capital One ATM, so there were no cameras. They offered to escalate my dispute for the third time and have someone from investigations contact me by phone and email only after I demanded, but no one ever did. I only got the same email that my claim was denied again. No new information, just the same email as every other time. The extents that Ive had to go to just short of going to the police to pull security camera footage of this mystery ATM just to prove it wasnt me, when they cant even properly prove that it was. The fact that something like this can happen just goes to show how nonsecure this bank is. I never got a warning of potential fraud or a notice of suspicious activity. If I hadnt checked, I would have just lost nearly {$300.00}. I have been a loyal customer for five years and they couldve easily looked at my history and seen that I have rarely withdrawn cash at an ATM. Throughout this whole process, I have been passed around from representative to representative and given no real answers. I shouldnt have to go to these lengths including direct messaging the customer service team on XXXX, disputing three times, filing a complaint with Capital One, and filing a complaint with the CFPB just so someone would take me and my case seriously. It has been more than a month since the incident. I wouldnt even be dragging this on or making a huge deal if I wasnt 100 % sure I did not make that withdrawal. Im not sure who did, but I depended on this bank to protect me and not totally neglect me. Needless to say, I will be finding another bank and closing all my accounts with Capital One due to their incompetence.","date_sent_to_company":"2021-10-12T14:04:28.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"750XX","tags":null,"has_narrative":true,"complaint_id":"4801368","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2021-10-12T13:39:54.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I called my bank again to <em>request</em> copies of the documents used to make this decision as the email directed me to, but the representative wasnt even familiar with my case. I asked to speak with whoever was in charge of <em>investigations</em> so that I <em>could</em> try to offer insight or understand what was being done to <em>investigate</em>."]},"sort":[13.135886,"4801368"]},{"_index":"complaint-public-v1","_id":"4662921","_score":13.099769,"_source":{"product":"Checking or savings account","complaint_what_happened":"{$4800.00} was stolen from my XXXX checking account. Someone stole the envelope with the {$18.00} check I mailed out using the street blue mailbox for a lawn service. My {$18.00} check was altered and cashed by a person named XXXX XXXX. He or she simply crossed out the original amount of {$18.00}, wrote the new amount of {$4800.00} underneath, changed the memo from the Invoice number to a Car payment, and deposited it using JPMC Bank ATM ( JPMorgan Chase XXXXFormer XXXX XXXX ). Neither JPMC nor XXXX  banks saw anything wrong with the check and accepted it. As soon as I saw the fraud on my account I reported it to my bank and the police. Here is what my bank ( XXXX ) stated when I requested the provision of credit : \" We confirmed that our Security Department received the Check Fraud Dispute you submitted. For this type of dispute, the bank of first of deposit ( where the check was deposited ) is responsible for investigating your claim. Your dispute was sent to this financial institution, XXXX XXXX, Indiana NA, upon receipt of the dispute submitted in the branch. The investigation typically takes between 60-90 days ; however, due to COVID, the investigation may take up to 120 days. Upon completion of their investigation, the bank of first deposit will contact XXXX XXXX  with their findings, and we will contact you with the details. If they provide the reimbursement, it will be posted to your account as a credit memo. Unfortunately, provisional credits are not offered for a check fraud dispute. While there are some debit/credit card disputes where provisional credits may be provided ; this is not a situation where a provisional credit can be applied to your account. \". I had an excellent credit score, and it's now in jeopardy. How I am supposed to pay my bills? Coronavirus is now balmed for everything. The bank has allowed someone to take my money and refused to take any responsibility. I am not even sure if I ever get my money back. I thought FDIC had some leverage here. I am now not sure. \nI am asking for any possible help. I can provide a copy of the check that was altered and deposited, and other documents if needed. Both banks have all the necessary information. I can not contact JPMorgan Chase for the provision of credit, since I am not a customer there. They will not talk to me. I was told by my bank that they dont have control over the ATMs. I was shocked to found out that. It means that anybody could just draw a check and deposit it using ATM. What is the point to rob a bank with a weapon, if it is easily can be done through ATMs. I am going to write a letter to the XXXX XXXX  XXXX and contact media to bring attention to this problem. How could a check like that be accepted by an XXXX XXXX? Where was their security department?","date_sent_to_company":"2021-08-25T22:51:04.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"19152","tags":null,"has_narrative":true,"complaint_id":"4662921","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-08-25T22:34:38.000Z","state":"PA","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["How <em>could</em> a check like that be accepted by an XXXX XXXX? Where was their <em>security</em> department?"]},"sort":[13.099769,"4662921"]},{"_index":"complaint-public-v1","_id":"2810388","_score":13.065585,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"TO WHOM IT MAY CONCERN : My name is XXXX XXXX. I am hoping filing this complaint through the CFPB will help resolve the disputes Ive previously made with Citi Bank regarding my CitiBusiness Platinum Select World Mastercard ending in XXXX. To specify, I am disputing a {$490.00} charge for XXXX which I did NOT initiate or authorize. As Ive previously told Citi, this credit card was stolen and used to make unauthorized/fraudulent charges between XX/XX/XXXX-XX/XX/XXXX ( dates provided by Citis online statement ) for almost {$3000.00}. I also have a XXXX account which was hacked ( date unknown to me ) and the Citi card was used to make purchases on XXXX which I, in no way whatsoever, ever authorized. I reported this card as stolen to Citi as soon as I found out. Citi was supposed to investigate the charges, but I have not received any substantive investigation results and Citi is now demanding I pay the charges. Nothing Citi provided me showed how these charges could possibly have been made by me. This scenario seems to be a nationwide problem due to all the hacking and poor security measures put in place by those entities which store our information. I have experience in IT and know that Citi could easily figure out where these charges originated by a simple IP check or other various means that would point them in the right direction. Citi has, instead, chosen to try and collect this debt from me. I am assuming because that is easier for them than actually investigating the charges. This is unethical and violates our agreement. I should not be held responsible for charges that I did not initiate. Citis investigation stated ( by no explanation or means of how they reached their decision ) the charges are reversed back to me, even though I did not make them and even though they can not show how I could possibly be responsible. Citi is responsible for the cards activities. Citis own security system should have detected the spending pattern on the card was highly irregular and contacted me at that point. I know this is commonly used by CC companies because I have had to verify purchases which seemed out of place in the past. There were 18-charges within 8-days totalling almost {$3000.00} and Citi didnt contact me once during this time to verify they were legit. This card wasnt a go-to card for me, I typically used it a few times per month ( 3-4 times ) which my account history shows and which should have alerted Citi to possible fraud or at least suspicion of, on their part ( please see XX/XX/XXXX vs. XX/XX/XXXX statements attached ). I am requesting all documentation, such as any signatures that were recorded when the stolen card was used, and any other documentation which Citi used to come to this incorrect decision. I realize investigating charges can be timely, but this is their responsibility and they have the means to do so, and the cost should not come down on me because the bank has deemed it cheaper or not worth to get to the bottom of. I have dealt with the situation as Citi requests when your card is used without your permission : I promptly reported the card stolen as soon as I found out. Citi should have known sooner, but thats neither here nor there, at this point. Thank you for your time and ( I hope ) prompt attention to this issue. If there is anything I have failed to do to meet my burden to Citi, please let me know. I would like to have this resolved as soon as possible. Again, thank you.","date_sent_to_company":"2018-02-11T22:05:26.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"48322","tags":null,"has_narrative":true,"complaint_id":"2810388","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2018-02-11T21:52:29.000Z","state":"MI","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 scenario seems to be a nationwide problem due to all the hacking and poor <em>security</em> measures put in place by those entities which store our information. I <em>have</em> experience in IT and know that Citi <em>could</em> <em>easily</em> figure out where these charges originated by a simple IP check or other various means that would point them in the right direction. Citi has, instead, chosen to try and collect this debt from me. I am assuming because that is easier for them than actually <em>investigating</em> the charges."]},"sort":[13.065585,"2810388"]},{"_index":"complaint-public-v1","_id":"8544793","_score":12.944828,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ), the Code of Federal Regulations ( XXXX ), and related consumer protection laws. Additionally, I am expressing my intent to file a complaint with the Federal Trade Commission ( FTC ) as the next course of action. \n\nOn XX/XX/year>, I discovered that Experian has reported a debt on my credit report as verified without providing me with the required documentation or information as part of the debt validation process. Despite my explicit requests, neither XXXX XXXX XXXX nor Experian has provided me a contract with the original contract between myself as the debtor and the original creditor, nor the contract or receipt of purchase of the debt from the original creditor, as requested to validate and verify the debt and/or a right to collect the debt that would be satisfactory to my request. It is the burden of Experian to verify the information that they are reporting. \n\nMoreover, neither XXXX XXXX XXXX nor Experian has provided me with the complete payment history of the original account. Neither Experian nor XXXX has provided Portfolio 's Proof of License and XXXX to collect debts in Texas, as requested. This lack of documentation prevents me from ensuring the accuracy of the information being reported and the right to even collect a debt in my state. \n\nInstead of providing me with the explicit information I have requested from XXXX XXXX from Experian to prove they have actually investigated and RE-investigated per my request for verified information to ensure the accuracy of my credit report, Experian has been generating auto responses that do not address my specific inquiries or provide the necessary documentation. This failure to comply with my requests is a direct violation of my rights under the CFR 16 Part 660.2 : \" 660.2 Accuracy of information. ( a ) General. A consumer reporting agency shall maintain reasonable procedures designed to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ( b ) Duties of furnishers. ( 1 ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' This regulation imposes an obligation on CRAs to maintain accuracy in the information they collect, maintain, and report about consumers. If a consumer disputes the accuracy of any information on their credit report, the CRA must conduct a reasonable investigation to verify the accuracy of the information and correct any inaccuracies. I DO NOT view my requests for validity as unreasonable as this information should have been requested and easily obtained by Experian ( as they have a burden to ensure accurate information is being furnished to them ) and easily provided both to me and Experian upon request by Portfolio. \n\nFurthermore validating my concerns, I am even more adamant about proper validation due to the lawsuit filed against XXXX XXXX just last year by CFPB for more than {$24.00} XXXX for illegal debt collection practices and consumer reporting violations including filing frivolous law suits against consumers. This repeat offense by XXXX, coupled with the complicity of Experian, raises serious concerns about their unjust collection practices and reporting of unverified information on customers. \n\nI am aware of the profits that both Portfolio traded as XXXX and Experian XXXX generate by pooling and selling consumer information/receivables into securities, as evidenced by their SEC documents XXXX I also understand how the furnishing of negative information allows the procurers of this information to charge higher APRs for credit. This XXXX explain their reluctance to provide accurate and verified information on my credit report, which could potentially defame my reputation and cause severe harm to my credit worthiness. \n\nTherefore, I am requesting that the Consumer Financial Protection Bureau investigate my complaint against Experian and XXXX XXXX XXXX and take immediate action to address the violations of the FCRA, XXXX, and related consumer protection laws. Additionally, I intend to file a complaint with the Federal Trade Commission to ensure that Experian and XXXX XXXX XXXX are held accountable for their actions if they do not rectify this matter within 15 days.","date_sent_to_company":"2024-03-15T03:45:16.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77494","tags":null,"has_narrative":true,"complaint_id":"8544793","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-03-15T02:56:43.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["If a consumer disputes the accuracy of any information on their credit report, the CRA must conduct a reasonable <em>investigation</em> to verify the accuracy of the information and correct any inaccuracies. I DO NOT view my <em>requests</em> for validity as unreasonable as this information should <em>have</em> been <em>requested</em> and <em>easily</em> obtained by Experian ( as they <em>have</em> a burden to ensure accurate information is being furnished to them ) and <em>easily</em> provided both to me and Experian upon <em>request</em> by Portfolio."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[12.944828,"8544793"]},{"_index":"complaint-public-v1","_id":"13049859","_score":12.847967,"_source":{"product":"Credit card","complaint_what_happened":"This is a discriminatory and retaliatory complaint against Citi cards. \nCiti XXXX access to my credit card during a phone interaction with a rep on XX/XX/XXXX when I indicated I will be submitting a formal complaint with a CFPb XXXX name was XXXX After that, I spoke to his supervisor, which said his name was XXXX, which I believe he is the one who blocked my account. He was sarcastic on the phone, condescending and careless about customers issue. \nHe blocked my account to the point where he would just hang up on me without providing any additional information in regards to my own account. The same day I wrote an email to the executive team office of Citi. Days later, the rep by the name of XXXX return my inquiry via phone call where she was completely rude sarcastic in my view. She was also being discriminatory and retaliatory due to the fact that I mentioned that I will be submitting a complaint with the CFPB The company claims they block my card because I tried to add it to XXXX XXXX, which I have done several times in the past without any issues and they could easily verify my information over the phone. I provide passcode. I provide XXXX security questions that they ask each time I call so theres no reason why this time would be any different. Therefore, I come to the conclusion that this company is using retaliatory and discriminatory behaviors. At least their employees are for which false under the company is conducting those bad practices. I will communicate this to the media outlets, such as XXXX and XXXX so they can be aware of what city employees conducting behaviors are I will also submit this complaint to the board of directors of Citi. Not even once rep grace or rep XXXX apologies for these issues. They forget their employees and then who theyre speaking to is the customer there has no cost to Customer Service skills, but most important issue is that theyre being discriminatory in retaliatory when a customer mentions that he will submit a complaint with the federal government agency or agencies such as this case. I am requesting for an investigation in an investigation that is not an executive office that was site with the company. I want a legal entity, a third-party entity to investigate this issues.","date_sent_to_company":"2025-04-18T02:07:06.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"General-purpose credit card or charge card","zip_code":"333XX","tags":null,"has_narrative":true,"complaint_id":"13049859","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-04-18T01:53:22.000Z","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":["I am <em>requesting</em> for an <em>investigation</em> in an <em>investigation</em> that is not an executive office that was site with the company. I want a legal entity, a third-party entity to <em>investigate</em> this issues."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[12.847967,"13049859"]},{"_index":"complaint-public-v1","_id":"5904212","_score":12.791271,"_source":{"product":"Checking or savings account","complaint_what_happened":"Essentially the Contents of an XX/XX/XXXX Email Sent to XXXX XXXX XXXX at BofA regarding his and BoAs Reply to a Complaint Mr.Manuel XXXX Below is XXXX XXXX 's XX/XX/XXXX response sent to XXXX XXXX 's XX/XX/XXXX Email to XXXX XXXX : XXXX. The XX/XX/XXXX email response is not a resolution of BofA reimbursing XXXX for the loss of her funds due to BofA 's inadequate internal security and safekeeping of customer funds to not allow a hacking by a third party into XXXX 's account, who without authorization stole/transferred {$1400.00} out her account. But the response is only a chronology of what occurred, including the event in which funds were transferred from XXXX XXXX 's BofA account to a XXXX  Bank account, which is the first time, on XX/XX/XXXX, BofA had disclosed this fact, and which is the first time XXXX XXXX had become aware of this financial institution. \n\nYou continually asked me many times, like a broken record, to inquire to XXXX XXXX if she had initiated or made a bank transfer from her BofA account to XXXX  Bank. She categorically did not initiate or activate this questionable or unauthorized transfer whatsoever to any bank or financial institution, including XXXX Bank or XXXX XXXX. I reiterated to you or provided the same answer every time you asked that she had never heard or was not ever aware that such a bank existed until you had mentioned it to me on the above referenced XXXX phone call, and it was also stated in the XX/XX/XXXX email, which contained information about BoA 's investigation into XXXX 's complaint of B of A 's irresponsibility filed with Consumer Financial Protection Bureau ( \" CFPB '' ). \n\nI asked you about XXXX  Bank 's location, you said you are not familiar with this bank. I googled while I was on a phone call with you, and found that XXXX Bank is based in New Jersey with branches, which are located on the XXXX XXXX. It is highly irregular and highly suspicious of seemingly wrongdoing by BofA employees and/or BofA 's XXXX of adequate or its faulty security, when back in XXXX of last year when the first investigation was made by BofA employees XXXX after XXXX XXXX made XXXX complaint about the missing funds, that the employees who completed the investigation were adamant in refusing ( stonewalling ) after her numerous requests to inform XXXX where the transfer went or who was the recipient. As a matter of fact, BofA or its employee ( XXXX ) at that time clearly did not know where the funds went and suggested that she reviewed again her XXXX XXXX account, where many previous bank transfers had been properly authorized and successfully made from her BofA account into her XXXX XXXX account, excluding the unauthorized transfer. \n\nBofA 's first written reply, a XX/XX/XXXX letter, is a boilerplate or standard letter with no employee name provided of who actually completed and sent the reply. What was even worse is that it contained a BofA dead end telephone number provided for any questions to BofA. It was an unresponsive number because no one ever picked up a phone call after many multiple attempts by her and me. And then the call automatically died after following the cues. The BofA employee, with whom XXXX XXXX had contacted, said that the bank was not allowed to disclose the above-referenced information after her many requests. \n\nIt is absolutely ludicrous that any bank, when requested by its customer can not provided immediately or expeditiously IN A PRINTED OR COMPUTER PRINTED STATEMENT where the funds were transferred ( SPECIFICALLY BANK ROUTING #, RECIPIENT 'S ACCOUNT #, AND NAME ON THE ACCOUNT ). And this bank 's name was ONLY DISCLOSED FOR THE VERY FIRST TIME IN XXXX XXXX XXXX 'S XX/XX/XXXX TELEPHONE CALL TO ME, AND IN XXXX XXXX 'S EMAIL TO ME WITH BofA 'S REPLY, 60 DAYS AFTER A COMPLAINT HAD BEEN FILED WITH CFPB. BofA could have easily and immediately disclosed this information last XXXX when it was first requested, or within the first week or at least within the first 30 days after the filing of a complaint against BofA with CFPB. There is always a DIGITAL OR XXXX XXXX FOR ANY FINANCIAL TRANSACTION ORIGINATED FROM A BANK ACCOUNT. These events lead to even more suspicion of possible wrongdoing by a BoA employee ( XXXX ) with a cover or time to correct a systemic problem of a lack of BofA 's internal security systems to prevent hacking. \n\nYou had called and left a message on my phone at the end of the first XXXX  days after the CFPB complaint was filed to say there is a resolution. Then my returning a call to you on the following business day, you retracted and said there is not a resolution, and BofA needs XXXX more days to provide a resolution. This feet dragging by Bof A and/or its employees to take XXXX  days to provide a response to a very simple and easily answerable issue further suggested irregularities within the bank, which should be investigated by appropriate Federal agencies. This issue is a very simple problem, so it is incomprehensible that BofA needed XXXX  days to respond after the filing of a complaint with CFPB. I am seeing a lot of smoke, so there is very likely a fire. \n\nXXXX. THE RESULTS OF THE INVESTIGATION WITH ANSWERS PROVIED SO FAR BY XXXX XXXX AND BofA ARE NOT SATISFACTORY AND INADEQUATE. THEREFORE XXXX XXXX AND I NEED WRITTEN DOCUMENTATION SHOWING : A. The XXXX  Bank routing # which was used by the party who made the unauthorized transfer, XXXX. The XXXX  Bank account used for the unauthorized transfer or into where the funds went. \nXXXX The name on the XXXX  Bank account ( BofA XXXX do a thorough investigation to determine if the name on this account is connected in some way to any BofA XXXX ), XXXX The XXXX  Bank address for the bank routing #. \nXXXX Or a printed computer generated statement provided to XXXX XXXX and me showing the above requested \" A. to D '' XXXX You stated in the XX/XX/XXXX email response that a new, used XXXX time password was verified internally by BofA XXXX a transfer could be made. How or what was the procedure ( such as a phone text message code sent out ) used for the verification? \nXXXX XXXX are the names of the BofA XXXX who did the investigation and provided the information in its XX/XX/XXXX letter to XXXX XXXX XXXX and who provided the contents in your XX/XX/XXXX email to me? \n\nBofA must stop hiding information and provide quickly complete answers to all of the above questions/issues, given that THIS COMPLAINT HAS ABSURDLY AND OUTRAGEOUSLY DRAGGED ON FOR XXXX MONTHS, SINCE LAST XXXX, WITHOUT A SATISFACTORY RESOLUTION OF XXXX XXXX CLAIM AND HER RECEIPT OF LOSS FUNDS WHICH SHE ( XXXX XXXX XXXX ) NEEDS FOR LIVING EXPENSES. The answers without any doubt are readily and easily available, so more delay in my opinion only leads to a conclusion that apparently there is a serious deficiency within the bank to safeguard a customer 's account and funds. Possibly other Federal governmental agencies, the California XXXX XXXX XXXX XXXX, and personnel in the Congressional District where XXXX XXXX 's lives could and would look into or investigate this matter and assist in getting a full reimbursement from B of A of the loss funds. \n\nI look for an expeditious response which fully addresses the above issues. \nThank you.. \nXXXX XXXX","date_sent_to_company":"2022-08-22T23:18:01.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"94118","tags":null,"has_narrative":true,"complaint_id":"5904212","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-08-22T22:40:41.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["BofA <em>could</em> <em>have</em> <em>easily</em> and immediately disclosed this information last XXXX when it was first <em>requested</em>, or within the first week or at least within the first 30 days after the filing of a complaint against BofA with CFPB. There is always a DIGITAL OR XXXX XXXX FOR ANY FINANCIAL TRANSACTION ORIGINATED FROM A BANK ACCOUNT."]},"sort":[12.791271,"5904212"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":179,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":179}]}},"product":{"doc_count":179,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":52,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":51},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":31,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":29},{"key":"Other personal consumer 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