{"took":496,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1081,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8519040","_score":24.17355,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/year>, an unauthorized wire transfer {$32000.00} appeared on my saving account. I noticed XXXX around on XXXX and immediately went to local Chase branch to report this. \nOn XX/XX/year>, I reported to local police in XXXX, IL with police report attached. \nAccording to police report, this unauthorized wire transfer was initiated in person in a branch in XXXX IL. \nAccording to Chase employee, someone with my fake ID went to one of Chase branch and initiated this wire transfer. \nI called Chase on XX/XX/year>. The claim department said they are still investigating the case and can not provide any timeline of when I can get results or my money back. It has been more than 35 days since Chase received my notice. However, Chase neither completes the investigation nor credits my account so far. This is a clear violation of CFR Part 1005 ( Regulation E ) 1005.11 Procedures for resolving errors ( c ) Time limits and extent of investigation Official interpretation of 11 ( c ) Time Limits and Extent of Investigation ( 1 ) Ten-day period. A financial institution shall investigate promptly and, except as otherwise provided in this paragraph ( c ), shall determine whether an error occurred within 10 business days of receiving a notice of error. The institution shall report the results to the consumer within three business days after completing its investigation. The institution shall correct the error within one business day after determining that an error occurred.\n\n( 2 ) Forty-five day period. If the financial institution is unable to complete its investigation within 10 business days, the institution may take up to 45 days from receipt of a notice of error to investigate and determine whether an error occurred, provided the institution does the following : ( i ) Provisionally credits the consumer 's account in the amount of the alleged error ( including interest where applicable ) within 10 business days of receiving the error notice. If the financial institution has a reasonable basis for believing that an unauthorized electronic fund transfer has occurred and the institution has satisfied the requirements of 1005.6 ( a ), the institution may withhold a maximum of {$50.00} from the amount credited. An institution need not provisionally credit the consumer 's account if : ( A ) The institution requires but does not receive written confirmation within 10 business days of an oral notice of error ; or ( B ) The alleged error involves an account that is subject to Regulation T of the Board of Governors of the Federal Reserve System ( Securities Credit by Brokers and Dealers, 12 CFR part 220 ) ;","date_sent_to_company":"2024-03-11T13:22:04.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"615XX","tags":null,"has_narrative":true,"complaint_id":"8519040","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-03-11T12:53:20.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["If the financial <em>institution</em> is unable to complete its <em>investigation</em> <em>within</em> 10 <em>business</em> <em>days</em>, the <em>institution</em> may <em>take</em> up to 45 <em>days</em> from <em>receipt</em> of a notice of error to <em>investigate</em> and determine whether an error occurred, provided the <em>institution</em> does the following : ( i ) Provisionally credits the consumer 's account in the amount of the alleged error ( including interest where applicable ) <em>within</em> 10 <em>business</em> <em>days</em> of receiving the error notice."]},"sort":[24.17355,"8519040"]},{"_index":"complaint-public-v1","_id":"7972056","_score":23.529373,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2023, I discovered that approximately {$37000.00} had been transferred from my Marcus by Goldman Sachs ( Goldman Sachs USA ) savings account beginning on XX/XX/2023 through XX/XX/2023. In each instance, {$1000.00} was transferred out of my account to an XXXX account at XXXX XXXX XXXX. It seems this activity was done to evade AML structuring monitoring as well as the reporting requirements. I did not authorize any of these XXXX transactions. I have completed the necessary WSUD forms as provided by Goldman Sachs within the 10 business day time-period. I have called several times to determine when a provisional credit would be issued in my savings account as it is now Day XXXX of the investigation. These calls have been futile at this point as Goldman Sachs ' employee do not understand the language of their own deposit agreement, which mirrors Regulation E. \n\nDespite our 10 calls to Marcus by Goldman Sachs, the bank refuses to issue a provisional credit to me despite its own Deposit Agreement stating that they will provide a provisional credit within 10 business days, if the investigation takes longer. I am consistently told that an internal review is ongoing and we do not issue provisional credits. I simply want my funds returned to me. \n\nPursuant, Regulation E ( 12 CFR Part 1005 ) of the Electronic Funds Transfer Act ( https : //www.consumerfinance.gov/rules-policy/regulations/1005/11/ ), the act states : ( 2 ) Forty-five day period. If the financial institution is unable to complete its investigation within 10 business days, the institution may take up to 45 days from receipt of a notice of error to investigate and determine whether an error occurred, provided the institution does the following : ( i ) Provisionally credits the consumer 's account in the amount of the alleged error ( including interest where applicable ) within 10 business days of receiving the error notice. If the financial institution has a reasonable basis for believing that an unauthorized electronic fund transfer has occurred and the institution has satisfied the requirements of 1005.6 ( a ), the institution may withhold a maximum of {$50.00} from the amount credited.","date_sent_to_company":"2023-12-08T19:45:18.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"079XX","tags":null,"has_narrative":true,"complaint_id":"7972056","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2023-12-08T19:13:46.000Z","state":"NJ","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["If the financial <em>institution</em> is unable to complete its <em>investigation</em> <em>within</em> 10 <em>business</em> <em>days</em>, the <em>institution</em> may <em>take</em> up to 45 <em>days</em> from <em>receipt</em> of a notice of error to <em>investigate</em> and determine whether an error occurred, provided the <em>institution</em> does the following : ( i ) Provisionally credits the consumer 's account in the amount of the alleged error ( including interest where applicable ) <em>within</em> 10 <em>business</em> <em>days</em> of receiving the error notice."]},"sort":[23.529373,"7972056"]},{"_index":"complaint-public-v1","_id":"4833195","_score":23.397793,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/21, there were a series of unauthorized transactions on my Wells Fargo Visa Debit Card amounting to {$7500.00} in total.\n\nWithin the same day, or no longer than 24 hours after the initial transactions had gone through, I called to report the unauthorized activity immediately.\n\nI was told by a claims specialist that Wells Fargo would \" promptly '' investigate the claim and that it would issue a provisional credit if it needed more time.\n\nAfter several follow up calls with Wells Fargo customer services reps and claims specialists, I was repeatedly informed that my claim was still under investigation. \n\nOn the XXXX and final business day, I logged onto my account and saw that my claims were closed with absolutely no explanation. \n\nI called and spoke with a claims rep and was told for the first time that my claims were now closed. \n\nI was told that my claims were being put under 'reconsideration '' and that the bank would need more time. This is in blatant violation of Regulation E.\n\nTime limits and extent of investigation - ( 1 ) Ten-day period. A financial institution shall investigate promptly and, except as otherwise provided in this paragraph ( c ), shall determine whether an error occurred within 10 business days of receiving a notice of error. The institution shall report the results to the consumer within three business days after completing its investigation. The institution shall correct the error within one business day after determining that an error occurred. \n\n( 2 ) Forty-five day period. If the financial institution is unable to complete its investigation within 10 business days, the institution may take up to 45 days from receipt of a notice of error to investigate and determine whether an error occurred, provided the institution does the following : ( i ) Provisionally credits the consumer 's account in the amount of the alleged error ( including interest where applicable ) within 10 business days of receiving the error notice. If the financial institution has a reasonable basis for believing that an unauthorized electronic fund transfer has occurred and the institution has satisfied the requirements of 1005.6 ( a ), the institution may withhold a maximum of {$50.00} from the amount credited. An institution need not provisionally credit the consumer 's account if : ( A ) The institution requires but does not receive written confirmation within 10 business days of an oral notice of error ; or ( B ) The alleged error involves an account that is subject to Regulation T of the Board of Governors of the Federal Reserve System ( Securities Credit by Brokers and Dealers, 12 CFR part 220 ).\n\n( ii ) Informs the consumer, within two business days after the provisional crediting, of the amount and date of the provisional crediting and gives the consumer full use of the funds during the investigation; ( iii ) Corrects the error, if any, within one business day after determining that an error occurred ; and ( iv ) Reports the results to the consumer within three business days after completing its investigation ( including, if applicable, notice that a provisional credit has been made final ). \n\n\n\n\n\n\nWhat happened here instead was, on the tenth and final business day before Wells Fargo would be required under law to provide a provisional credit, I beleive tthat this was done deliberately by Wells Fargo so as to avoid having to credit me while their investigation continues ( and had barely even begun ) I was then told that there was \" no way '' for Wells Fargo to issue a provisional credit despite the clear statutory law under a \" 45-day '' investigation period. Again, clearly contradictory to the statute.\n\nAdditionally, during my calls with various wells representatives regarding the present issue, I was given the impression that a special \" fraud department '' or \" claims specialist '' would need to receive notice directly. Again, in violation of the law : Notice to financial institution. \n\n( i ) Notice to a financial institution is given when a consumer takes steps reasonably necessary to provide the institution with the pertinent information, whether or not a particular employee or agent of the institution actually receives the information. \n\n( ii ) The consumer may notify the institution in person, by telephone, or in writing. \n\n\n\n\n-- -- Additionally, the way that Wells Fargo characterized my claim was a \" Do not remember or recognize charge. I specifically informed a claims rep during the initial that the transactions were unauthorized! \n\nAs you can also see, during my most recent call on XX/XX/21, additional time was needed because the claims rep needed more information - How could this be when my claim was already denied? \n\nHelp please thanks.","date_sent_to_company":"2021-10-21T10:59:20.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"900XX","tags":null,"has_narrative":true,"complaint_id":"4833195","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2021-10-21T10:16:49.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["If the financial <em>institution</em> is unable to complete its <em>investigation</em> <em>within</em> 10 <em>business</em> <em>days</em>, the <em>institution</em> may <em>take</em> up to 45 <em>days</em> from <em>receipt</em> of a notice of error to <em>investigate</em> and determine whether an error occurred, provided the <em>institution</em> does the following : ( i ) Provisionally credits the consumer 's account in the amount of the alleged error ( including interest where applicable ) <em>within</em> 10 <em>business</em> <em>days</em> of receiving the error notice."]},"sort":[23.397793,"4833195"]},{"_index":"complaint-public-v1","_id":"3560952","_score":22.843126,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX, I noticed a fraudulent ACH transfer from my checking account paid to a XXXX credit card that was not mine for {$6600.00} posted for XX/XX/XXXX. When I contacted Citibank, the representative stated it was probably a glitch in the system and did not suggest that I blocked the account however opened a case. \n\nOn XX/XX/XXXX, another ACH transfer was made for {$21000.00} to a XXXX credit card. At this point, the representative suggested that I placed a block on my account. \n\nOn XX/XX/XXXX, Citibank credited me {$6600.00} and on XX/XX/XXXX credited me {$21000.00}. Per the letter sent, \" We have concluded our research and are pleased to inform you that your request for reimbursement has been honored '' On XX/XX/XXXX, I received a call from Citibank Fraud department who informed me that my online banking information has been compromised so they will take action to issue me a new debit card. When I inquired whether my account will need to be closed they said NO. \n\nFast forward to XX/XX/XXXX when I realized my account has been blocked. Their letter dated XX/XX/XXXX states \" your accounts are now restricted from any debits and certain credits and will be closed within sixty days from the date of this letter ... If there are any funds that belong to you at the time of closure, Citibank will issue you an official check for that balance ... you may visit your local branch or contact us at the number below to determine if you're entitled to the funds sooner than the expected account closure date '' Since then I have called Citibank fraud department multiple times and went to the local branch ( 2 days after the date of the letter ) to attempt to close my account and receive my check but was met with the same brick wall- \" this is our policy, there is nothing you can do to access your money or close your account until the investigation is over '' As it stands I have over $ 55K sitting in my accounts that can not be accessed for \" up to 60 days ''. I just got my offer accepted for a home and I need the funds ASAP. I can not wait up to 60 days to receive my checks. It is absolutely unacceptable that I have no access to my money for an extended period of time. \n\nSee Regulation E below. Citibank has given me my provisional credit within a week of filing the claim however they turn around and block my entire account and are preventing me from accessing it for up to 60 days. From where I stand as the consumer, if this is a loophole that the banks can perform, how am I really protected as a consumer by this regulation that ensures I have timely access to my funds in the case of a fraud investigation? \n\n\n\n\nRegulation E 1005.11 Procedures for resolving errors, cited below : ( 1 ) Ten-day period. A financial institution shall investigate promptly and, except as otherwise provided in this paragraph ( c ), shall determine whether an error occurred within 10 business days of receiving a notice of error. The institution shall report the results to the consumer within three business days after completing its investigation. The institution shall correct the error within one business day after determining that an error occurred.\n\n( c ) Time limits and extent of investigation ( 1 ) Ten-day period. A financial institution shall investigate promptly and, except as otherwise provided in this paragraph ( c ), shall determine whether an error occurred within 10 business days of receiving a notice of error. The institution shall report the results to the consumer within three business days after completing its investigation. The institution shall correct the error within one business day after determining that an error occurred.\n\n( 2 ) Forty-five day period. If the financial institution is unable to complete its investigation within 10 business days, the institution may take up to 45 days from receipt of a notice of error to investigate and determine whether an error occurred, provided the institution does the following : ( i ) Provisionally credits the consumer 's account in the amount of the alleged error ( including interest where applicable ) within 10 business days of receiving the error notice. If the financial institution has a reasonable basis for believing that an unauthorized electronic fund transfer has occurred and the institution has satisfied the requirements of 1005.6 ( a ), the institution may withhold a maximum of {$50.00} from the amount credited. An institution need not provisionally credit the consumer 's account if : ( A ) The institution requires but does not receive written confirmation within 10 business days of an oral notice of error ; or ( B ) The alleged error involves an account that is subject to Regulation T of the Board of Governors of the Federal Reserve System ( Securities Credit by Brokers and Dealers, 12 CFR part 220 ) ; ( ii ) Informs the consumer, within two business days after the provisional crediting, of the amount and date of the provisional crediting and gives the consumer full use of the funds during the investigation ;","date_sent_to_company":"2020-03-10T07:23:02.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"92122","tags":null,"has_narrative":true,"complaint_id":"3560952","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2020-03-10T07:20:13.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["If the financial <em>institution</em> is unable to complete its <em>investigation</em> <em>within</em> 10 <em>business</em> <em>days</em>, the <em>institution</em> may <em>take</em> up to 45 <em>days</em> from <em>receipt</em> of a notice of error to <em>investigate</em> and determine whether an error occurred, provided the <em>institution</em> does the following : ( i ) Provisionally credits the consumer 's account in the amount of the alleged error ( including interest where applicable ) <em>within</em> 10 <em>business</em> <em>days</em> of receiving the error notice."]},"sort":[22.843126,"3560952"]},{"_index":"complaint-public-v1","_id":"6818746","_score":22.809195,"_source":{"product":"Checking or savings account","complaint_what_happened":"This bank is not acting in accordance with Regulation E in the process of a debit card dispute. Their argument is that my claim reason is not eligible for a temporary credit under Reg E, which is false. The regulation broadly covers all types of ETFs from the account, with no particular exclusions.\n\nI will be attaching direct excerpts from the regulation below to explain the banks violations : EXERPT 1 ( 1 ) Ten-day period. A financial institution shall investigate promptly and, except as otherwise provided in this paragraph ( c ), shall determine whether an error occurred within 10 business days of receiving a notice of error. The institution shall report the results to the consumer within three business days after completing its investigation. The institution shall correct the error within one business day after determining that an error occurred. \n( 2 ) Forty-five day period. If the financial institution is unable to complete its investigation within 10 business days, the institution may take up to 45 days from receipt of a notice of error to investigate and determine whether an error occurred, provided the institution does the following : ( i ) Provisionally credits the consumer 's account in the amount of the alleged error ( including interest where applicable ) within 10 business days of receiving the error notice. If the financial institution has a reasonable basis for believing that an unauthorized electronic fund transfer has occurred and the institution has satisfied the requirements of 1005.6 ( a ), the institution may withhold a maximum of {$50.00} from the amount credited. \n\nThe bank has not applied a provisional credit to my account after 10 business days. Instead, they have informed me that my claim is not covered under Regulation E, which is false and not explicitly stated in the regulation. \n\nEXERPT 2 An institution need not provisionally credit the consumer 's account if : A ) The institution requires but does not receive written confirmation within 10 business days of an oral notice of error ; or ( B ) The alleged error involves an account that is subject to Regulation T of the Board of Governors of the Federal Reserve System ( Securities Credit by Brokers and Dealers, 12 CFR part 220 ) ; ( ii ) Informs the consumer, within two business days after the provisional crediting, of the amount and date of the provisional crediting and gives the consumer full use of the funds during the investigation ; ( iii ) Corrects the error, if any, within one business day after determining that an error occurred ; and ( iv ) Reports the results to the consumer within three business days after completing its investigation ( including, if applicable, notice that a provisional credit has been made final ). \n\nThe institution did not request written confirmation, but I sent supporting documentation the same day I filed the claim, and confirmed it was received and attached by the bank. None of the other exceptions in this excerpt were satisfied by the bank. \n\nEXERPT 3 ( 3 ) Extension of time periods. The time periods in paragraphs ( c ) ( 1 ) and ( c ) ( 2 ) of this section are extended as follows : ( i ) The applicable time is 20 business days in place of 10 business days under paragraphs ( c ) ( 1 ) and ( 2 ) of this section if the notice of error involves an electronic fund transfer to or from the account within 30 days after the first deposit to the account was made. \n( ii ) The applicable time is 90 days in place of 45 days under paragraph ( c ) ( 2 ) of this section, for completing an investigation, if a notice of error involves an electronic fund transfer that : ( A ) Was not initiated within a state ; ( B ) Resulted from a point-of-sale debit card transaction ; or ( C ) Occurred within 30 days after the first deposit to the account was made. \n\nThe fund transfer was completed after 30 days of the first deposit to my account, and even if this condition was satisfied, the bank would be required to credit my account within 20 business days instead of 10. Again, none of the other exceptions are satisfied here for my specific account, but the bank is refusing to apply a provisional credit. \n\nThis bank is deliberately trying to get around the terms of Regulation E, which they are legally required to follow. They need to be held accountable by their regulators and apply the provisional credit to my account immediately. Further, I have supplied all required documentation ( dated credit slip from merchant proving credit was due ), so the bank should have no problem resolving the dispute in my favor promptly.","date_sent_to_company":"2023-04-10T22:02:25.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"85257","tags":null,"has_narrative":true,"complaint_id":"6818746","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Credit Karma, LLC","date_received":"2023-04-10T22:00:12.000Z","state":"AZ","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["If the financial <em>institution</em> is unable to complete its <em>investigation</em> <em>within</em> 10 <em>business</em> <em>days</em>, the <em>institution</em> may <em>take</em> up to 45 <em>days</em> from <em>receipt</em> of a notice of error to <em>investigate</em> and determine whether an error occurred, provided the <em>institution</em> does the following : ( i ) Provisionally credits the consumer 's account in the amount of the alleged error ( including interest where applicable ) <em>within</em> 10 <em>business</em> <em>days</em> of receiving the error notice."]},"sort":[22.809195,"6818746"]},{"_index":"complaint-public-v1","_id":"6063980","_score":21.959791,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Today XX/XX/2022 I'm filing this complaint only because the FTC routed me here first. I've tried to rectify the problem with this company several times. I opened a dispute for a plethora of unauthorized charges on XX/XX/2022, yes I have used the merchant before in the past, which is why I only disputed the unauthorized charges! Fast forward to XX/XX/2022 my claim was closed claiming no error were found. As I stated before on a previous complaint last time the investigation coincidently closed right before 12 CFR Part 1005 ( Reg E ) for my provisional credit to kick in. I did everything correctly. Reported the charges in a timely manner, mailed in Statement Of FrauXXXX via XXXX XXXX mail with a tracking number, and called multiply times to check on my dispute. Each time this company gave me the run around and/or blatantly hangs up in my face, asking for a callback number before every call just not to call you back. The only thing done partially right by this company is issuing me a refund for my replacement card that I ordered expedited, which took longer than advertised. To my surprise I learned that the investigation was reopened on XX/XX/2022 without any notification from this company. Had I not call in I would've never known. Extremely unprofessional but I digress. After finding out the investigation was reopened I rightfully inquired on my provisional credit as that is well within my consumer rights. I was told by one Representative since the investigation was reopened I would have to wait the full 90 days! Can you believe this? Neither can I. My last complaint I also requested proof or any documentation proving their finding on my dispute which is also within my consumer rights, so I can forward to my attorney take a look. Was my request granted? No. I suspect that I wasn't provided that information because they didn't really investigate anything, just decided to side with the merchant! Today XX/XX/2022 after finding out the investigation was reopened I asked for provisional credit as like everyone else I have bills. I was told that a request must be made to that department and it can take another XXXX business days to receive a response not to receive my credit but a response, you would think there would be some urgency since Wisely is already in violation of XXXXode of Federal Regulations. I asked for the department direct phone number or contact and was told that there is no numbers because its an \" Internal Department ''. 10 days have transpired since reopening the investigation Wisely By APD has failed to comply with Regulation E and is in Violation. There is no superiors/supervisor that you can be transferred to and every phone call is designed to make you give up on your hard earned money. The customer service agents each tell you a different lie. None of the agents are educated on consumer laws or customer service. I will be looking into filing a FTC complaint also. These people are borderline crooks, extremely miseducated, and need to be retrain expeditiously. I will end with this since rules, laws, and regulations seems foreign to the Financial Institution Wisely by ADP, 12 CFR 1005.11 - Procedures for resolving errors.\n\n( c ) Time limits and extent of investigation - ( 1 ) Ten-day period. A financial institution shall investigate promptly and, except as otherwise provided in this paragraph ( c ), shall determine whether an error occurred within 10 business days of receiving a notice of error. The institution shall report the results to the consumer within three business days after completing its investigation. The institution shall correct the error within one business day after determining that an error occurred.\n\n( 2 ) Forty-five day period. If the financial institution is unable to complete its investigation within 10 business days, the institution may take up to 45 days from receipt of a notice of error to investigate and determine whether an error occurred, provided the institution does the following : ( i ) Provisionally credits the consumer 's account in the amount of the alleged error ( including interest where applicable ) within 10 business days of receiving the error notice. If the financial institution has a reasonable basis for believing that an unauthorized electronic fund transfer has occurred and the institution has satisfied the requirements of 1005.6 ( a ), the institution may withhold a maximum of {$50.00} from the amount credited. An institution need not provisionally credit the consumer 's account if : ( A ) The institution requires but does not receive written confirmation within 10 business days of an oral notice of error ; or ( B ) The alleged error involves an account that is subject to Regulation T of the Board of Governors of the Federal Reserve System ( Securities Credit by Brokers and Dealers, 12 CFR part 220 ).\n\n( ii ) Informs the consumer, within two business days after the provisional crediting, of the amount and date of the provisional crediting and gives the consumer full use of the funds during the investigation; ( iii ) Corrects the error, if any, within one business day after determining that an error occurred ; and ( iv ) Reports the results to the consumer within three business days after completing its investigation ( including, if applicable, notice that a provisional credit has been made final ).\n\n( 3 ) Extension of time periods. The time periods in paragraphs ( c ) ( 1 ) and ( c ) ( 2 ) of this section are extended as follows : ( i ) The applicable time is 20 business days in place of 10 business days under paragraphs ( c ) ( 1 ) and ( 2 ) of this section if the notice of error involves an electronic fund transfer to or from the account within 30 days after the first deposit to the account was made.\n\n( ii ) The applicable time is 90 days in place of 45 days under paragraph ( c ) ( 2 ) of this section, for completing an investigation, if a notice of error involves an electronic fund transfer that : ( A ) Was not initiated within a state ; ( B ) Resulted from a point-of-sale debit card transaction ; or ( C ) Occurred within 30 days after the first deposit to the account was made.","date_sent_to_company":"2022-10-08T15:16:11.000Z","issue":"Trouble using the card","sub_product":"Payroll card","zip_code":"33179","tags":null,"has_narrative":true,"complaint_id":"6063980","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ADP Inc.","date_received":"2022-10-08T15:09:27.000Z","state":"FL","company_public_response":null,"sub_issue":"Trouble getting information about the card"},"highlight":{"complaint_what_happened":["If the financial <em>institution</em> is unable to complete its <em>investigation</em> <em>within</em> 10 <em>business</em> <em>days</em>, the <em>institution</em> may <em>take</em> up to 45 <em>days</em> from <em>receipt</em> of a notice of error to <em>investigate</em> and determine whether an error occurred, provided the <em>institution</em> does the following : ( i ) Provisionally credits the consumer 's account in the amount of the alleged error ( including interest where applicable ) <em>within</em> 10 <em>business</em> <em>days</em> of receiving the error notice."]},"sort":[21.959791,"6063980"]},{"_index":"complaint-public-v1","_id":"14711729","_score":21.692814,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am reporting Novo for failing to comply with federal regulations under the Electronic Fund Transfer Act ( Regulation E ), specifically 12 CFR 1005.11 ( c ), which requires financial institutions to resolve disputes involving unauthorized transactions within 45 calendar days of notice. \n\nOn XX/XX/year>, I reported an unauthorized electronic funds transfer from my business account in the amount of {$340.00} to a merchant listed as XXXX I explicitly denied authorizing or initiating this transaction. I received confirmation from Novo that a dispute was filed and the matter would be investigated, per Regulation E. \n\nAs of today, XX/XX/year>, Novo has not credited my account nor resolved the matter, thereby exceeding the legally mandated 45-calendar-day deadline for resolution. The most recent communication I received from Novo was on XX/XX/year>, simply stating the process could take up to 120 days a timeline that directly contradicts federal requirements. \n\nApplicable Law : Under 12 CFR 1005.11 ( c ) ( 1 ), a financial institution has \" not more than 45 calendar days after receipt of a notice of error '' to investigate and resolve the claim. Additionally, per 1005.11 ( c ) ( 2 ) ( i ), if resolution can not be completed within 10 business days, the institution must provisionally credit the consumers account for the disputed amount pending the outcome of the investigation. \n\nNovo has failed to provisionally credit my account and has not resolved the issue within 45 days, putting them in direct violation of Regulation E. \n\nSupporting Documents Available : Initial dispute notification ( XX/XX/year> ) Novos response ( XX/XX/year> )","date_sent_to_company":"2025-08-01T16:40:22.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"775XX","tags":"Servicemember","has_narrative":true,"complaint_id":"14711729","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Novo Platform Inc.","date_received":"2025-07-17T18:37:17.000Z","state":"TX","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["The most recent communication I received from Novo was on XX/XX/year>, simply stating the process could <em>take</em> up to 120 <em>days</em> a timeline that directly contradicts federal requirements. \n\nApplicable Law : Under 12 CFR 1005.11 ( c ) ( 1 ), a financial <em>institution</em> has \" not more than 45 calendar <em>days</em> after <em>receipt</em> of a notice of error '' to <em>investigate</em> and resolve the claim."]},"sort":[21.692814,"14711729"]},{"_index":"complaint-public-v1","_id":"7153442","_score":21.436178,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Subject : Urgent Request for Investigation of Fraudulent Transactions Dear Cash App Support, I hope this letter finds you well. I am writing to express my deep concern regarding the lack of investigation into the disputed fraudulent transactions that occurred on my Cash App account. Despite providing you with a police report detailing the fraudulent activities, I have not received any response or updates on the matter. \n\nFirst and foremost, I would like to highlight the urgency and seriousness of this issue. Fraudulent transactions not only violate my trust in your platform but also constitute a criminal offense. As a victim of this fraud, I rely on your commitment to resolve such matters promptly and thoroughly. \n\nAccording to the Electronic Fund Transfer Act ( EFTA ), which is enforced by the Consumer Financial Protection Bureau ( CFPB ), financial institutions such as Cash App are required to investigate and resolve customer disputes within a reasonable time frame. Section XXXX005.11 of Regulation E specifically outlines the responsibilities of financial institutions in investigating alleged errors and unauthorized transactions. It states : \" Within 10 business days after receiving a notice of error, the financial institution must investigate and determine whether an error occurred. '' Moreover, the Fair Credit Billing Act ( FCBA ) provides additional protections for consumers facing unauthorized charges. Under the FCBA, financial institutions must acknowledge receipt of a billing error notice within 30 days and resolve the dispute within two billing cycles, but not exceeding 90 days. Failure to comply with these regulations can result in penalties imposed by the CFPB. \n\nGiven the aforementioned legal obligations, I kindly request that you initiate a thorough investigation into the fraudulent transactions on my Cash App account. The police report I submitted clearly demonstrates that a crime has been committed, and it is imperative that you take immediate action to rectify the situation. \n\nI understand that fraudulent transactions can be complex to investigate, but it is your responsibility as a financial institution to protect your customers and ensure the security of their funds. I urge you to prioritize this matter, provide regular updates on the progress of the investigation, and expedite the resolution process. \n\nIf necessary, I am prepared to escalate this matter further by seeking assistance from regulatory authorities, such as the CFPB, to ensure that my rights as a consumer are upheld and that appropriate actions are taken to address the fraudulent activities. \n\nI look forward to your prompt attention to this matter. Please provide me with an update regarding the investigation within10 business days. I can be reached at the contact information provided above. \n\nThank you for your immediate attention and cooperation. I trust that you will handle this matter in accordance with the relevant laws and regulations governing financial institutions.","date_sent_to_company":"2023-06-22T15:57:10.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"19977","tags":null,"has_narrative":true,"complaint_id":"7153442","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2023-06-22T15:53:56.000Z","state":"DE","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["It states : \" <em>Within</em> 10 <em>business</em> <em>days</em> after receiving a notice of error, the financial <em>institution</em> must <em>investigate</em> and determine whether an error occurred. '' Moreover, the Fair Credit Billing Act ( FCBA ) provides additional protections for consumers facing unauthorized charges. Under the FCBA, financial <em>institutions</em> must acknowledge <em>receipt</em> of a billing error notice <em>within</em> 30 <em>days</em> and resolve the dispute <em>within</em> two billing cycles, but not exceeding 90 <em>days</em>."]},"sort":[21.436178,"7153442"]},{"_index":"complaint-public-v1","_id":"12765748","_score":21.273417,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I submitted this transaction under scam and fraud because that is what the bank deemed it was when I submitted my compliant. After reviewing the electronic transfer act, I need to submit this under unauthorized transaction because it was an unauthorized transaction. The bank said it counted as an authorized transaction because the transfer was initiated by myself but it was not. I was not aware of submitting a wire transfer. I was submitted a wire reversal. The bank is in violation of the electronic transfer act in multiple ways with this transaction. First, they said it was authorized when it was not and filed it incorrectly. Second, the reverse wire that I thought I was submitting had the recipient of the funds addressed to myself. When I notified bank of america of the unauthorized transaction I made them aware that this reversal was addressed to myself as the receipient. This notified them of the error and they should have processed it right away. I notified them within 3 hours which according to the act if \" Unauthorized transfer ( s ) not involving loss or theft of an access device is notified within 60 days after transmittal of the periodic statement on which the unauthorized transfer first appears, the consumer has no liability for the transfer. The act states \" An error includes any of the following : An unauthorized EFT. An incorrect EFT to or from the consumers account. After receiving a notice of error, the financial institution must do all of the following : Promptly investigate the oral or written allegation of error. Complete its investigation within 10 business days. Report the results of its investigation within three business days after completing its investigation. Correct the error within one business day after determining that an error has occurred ( 12 CFR 1005.11 ( c ) ( 1 ) ). The financial institution may take up to 45 days ( 12 CFR 1005.11 ( c ) ( 2 ) ) to complete its investigation provided it : Provisionally credits the funds ( including interest, where applicable ) to the consumers account within the 10 business-day period. Advises the consumer within two business days of the provisional crediting. Gives the consumer full use of the funds during the investigation. However, where an error involves an unauthorized EFT, the financial institution must comply with the requirements of the provisions relating to unauthorized EFTs before holding the consumer liable, even if the consumer does not provide a notice of error within the time limits. When investigating a claim of error, the financial institution need only review its own records if the alleged error concerns a transfer to or from a third party, and there is no agreement between the financial institution and the third party for the type of EFT involved ( 12 CFR 1005.11 ( c ) ( 4 ) ). However, the financial institution may not limit its investigation solely to the payment instructions where other information within the financial institutions records pertaining to a particular account may help to resolve a consumers claim ( Comment 11 ( c ) ( 4 ) -5 ). If, after investigating the alleged error, the financial institution determines that an error has occurred, it must promptly ( within one business day after such determination ) correct the error, including the crediting of interest if applicable. The financial institution must provide within three business days of the completed investigation an oral or written report of the correction to the consumer and, as applicable, notify the consumer that the provisional credit has been made final ( 12 CFR 1005.11 ( c ) ( 1 ) & ( 2 ) ( iii ) and ( iv ) ). If the financial institution determines that no error occurred or that an error occurred in a different manner or amount from that described by the consumer, the financial institution must mail or deliver a written explanation of its findings within three business days after concluding its investigation. The explanation must include a notice of the consumers rights to request the documents upon which the financial institution relied in making its determination ( 12 CFR 1005.11 ( d ) ). Upon debiting a provisionally credited amount, the financial institution must notify the consumer of the date and amount of the debit and of the fact that the financial institution will honor ( without charge ) checks, drafts, or similar paper instruments payable to third parties and preauthorized debits for five business days after transmittal of the notice. Upon request from the consumer, the financial institution must promptly mail or deliver to the consumer copies of documents upon which it relied in making its determination ( 12 CFR 1005.11 ( d ) ( 1 ) ). If a financial institution has fully complied with the investigation requirements, it generally does not need to reinvestigate if a consumer later reasserts the same error. However, it must investigate a claim of error asserted by a consumer following receipt of information provided pursuant to 12 CFR 1005.11 ( a ) ( 1 ) ( vii ) and 12 CFR 1005.11 ( e ). '' Bank of america did not do any of this. Upon notice of the error and unauthorized transaction they refused to credit my account or help me financially in anyway. They actually referred me to look at local charities for financial assistance. They did not have a report within 3 business day and in fact closed my case after 45 business days. They did not notify me of closing my case and when I called for an update they would not give me any further information about my case. Later after submiting multiple complaints, a bank of america representative reached out stating there was no response from the other bank so they closed my case. I reached out to the other bank ( XXXX XXXX ) and they stated it is their policy to respond to all banks especially in cases like this and the only reason they would not have responded is if they did not get any communication from bank of america. Bank of america refused to give me my case records and in fact told me I would need a lawyer to subpoena my records. They completely violated the electronic funds act in multiple ways. If it was deemed an authorized transaction or not which is was not authorized there was still an error on the transaction and they were notified within XXXX hours of the transaction. \n\nPlease see initial submission for further details- Initial submission of complaint # XXXX","date_sent_to_company":"2025-04-02T00:17:46.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"21227","tags":null,"has_narrative":true,"complaint_id":"12765748","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-04-01T23:46:45.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["The financial <em>institution</em> may <em>take</em> up to 45 <em>days</em> ( 12 CFR 1005.11 ( c ) ( 2 ) ) to complete its <em>investigation</em> provided it : Provisionally credits the funds ( including interest, where applicable ) to the consumers account <em>within</em> the 10 <em>business</em>-day period. Advises the consumer <em>within</em> two <em>business</em> <em>days</em> of the provisional crediting. Gives the consumer full use of the funds during the <em>investigation</em>."]},"sort":[21.273417,"12765748"]},{"_index":"complaint-public-v1","_id":"10309077","_score":19.681423,"_source":{"product":"Student loan","complaint_what_happened":"I previously submitted a complaint, complaint # XXXX, to which XXXX finally responded today by refusing to admit any error or wrongdoing and simply delaying my next payments until next year. I am submitting a new complaint, although this is a continuation/lack of resolution of my original case. Summary of original complaint : My loan was transferred from servicer XXXX to servicer XXXX in XXXX of XXXX. At the time of the transfer, my account was in a paid ahead status through XX/XX/XXXX as a result of a large lump sum payment posted to XXXX on XX/XX/XXXX in the amount of {$8400.00}. My remaining billing periods with XXXX ( XXXX XXXX ) all reflected statements with XXXX balance and next payment due date of XX/XX/XXXX. When my loan transferred to XXXX, XXXX reversed these payments, then applied the lump sum payment from XX/XX/XXXX to the outstanding loan balance instead of applying it towards future monthly bills. I became aware of this immediately upon creating an account with XXXX once the servicer transfer was complete and found my account reflected a next bill due date of XX/XX/XXXX. I immediately contacted them by email, account messaging, and phone to correct the issue. I was told multiple times that there was nothing they could do about it. Finally someone told me they could initiate an investigation into my account details in order to correct the error in payment application. That was in XX/XX/XXXX. I uploaded all necessary supporting documents and submitted my complaint with XXXX, however XXXX did nothing to investigate or resolve my claim. Today I finally received a response because on XX/XX/XXXX I filed a complaint through the CFPB, however the response is unsatisfactory and does not resolve the issue. Instead of crediting my account with the monthly payments I paid ahead via lump sum, they placed my account in forbearance through XX/XX/XXXX. I do not want payments stopped, I simply want my account corrected to reflect the money I paid towards my monthly bills for XXXX. This significantly impacts me, as I am enrolled in the XXXX program and the monthly payments count towards my XXXX payment requirement for loan forgiveness. I need the months I paid ahead to be reflected as on time monthly payments, as XXXX applied them. The resolution they have suggested today is akin to stealing my money. They are a financial institution and it is my understanding that they are bound by 12 CFR Part 1005 - Electronic Fund Transfers ( Regulation E ) Subpart A 1005.11 Procedures for resolving errors which states : \" A financial institution shall investigate promptly and, except as otherwise provided in this paragraph ( c ), shall determine whether an error occurred within XXXX business days of receiving a notice of error. The institution shall report the results to the consumer within XXXX business days after completing its investigation. The institution shall correct the error within XXXX business day after determining that an error occurred. ( XXXX XXXX XXXX day period. If the financial institution is unable to complete its investigation within XXXX business days, the institution XXXX take up to 45 days from receipt of a notice of error to investigate and determine whether an error occurred, provided the institution does the following : ( i ) Provisionally credits the consumer 's account in the amount of the alleged error ( including interest where applicable ) within XXXX business days of receiving the error notice. If the financial institution has a reasonable basis for believing that an unauthorized electronic fund transfer has occurred and the institution has satisfied the requirements of 1005.6 ( a ), the institution XXXX withhold a maximum of {$50.00} from the amount credited. '' XXXX is in direct violation of this regulation and this will be my final attempt at resolution before I seek legal representation and file a suit for not only correction of my account but also additional damages. I am attaching the records from XXXX indicating my paid ahead status through XX/XX/XXXX which can be found on page XXXX of each monthly billing statement. I am also attaching evidence of XXXX 's complete disregard of federal regulations governing resolution of errors for a period far exceeding 45 days, during which no interim solution was offered and when I requested an interim solution it was denied- I also have record of filing an official complaint through XXXX XXXX case # XXXX, however that case is no longer available in my FSA account. I do have a confirmation email from XXXX confirming the date of my complaint filing as XX/XX/XXXX and the eventual email notifying me of the response to the case, which I will also include here.","date_sent_to_company":"2024-10-01T17:11:33.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"73020","tags":null,"has_narrative":true,"complaint_id":"10309077","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EdFinancial Services","date_received":"2024-10-01T16:51:58.000Z","state":"OK","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["If the financial <em>institution</em> is unable to complete its <em>investigation</em> <em>within</em> XXXX <em>business</em> <em>days</em>, the <em>institution</em> XXXX <em>take</em> up to 45 <em>days</em> from <em>receipt</em> of a notice of error to <em>investigate</em> and determine whether an error occurred, provided the <em>institution</em> does the following : ( i ) Provisionally credits the consumer 's account in the amount of the alleged error ( including interest where applicable ) <em>within</em> XXXX <em>business</em> <em>days</em> of receiving the error notice."]},"sort":[19.681423,"10309077"]},{"_index":"complaint-public-v1","_id":"7332310","_score":18.962276,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Dear Sir/Madam, I am writing this letter to express my deep dissatisfaction and disappointment with the handling of fraudulent transactions on my card by XXXX XXXXCash App . Despite promptly reporting the unauthorized charges and filing a police report, I have been subjected to unjust treatment, unresponsiveness, and a refusal to refund my hard-earned funds. As a result, I have no choice but to take legal action to seek redress for the damages incurred. \n\nI experienced fraudulent transactions on my Cash App card in XXXX and XXXX of 2023. Upon discovering these unauthorized charges, I immediately contacted XXXX XXXXCash App customer support and filed a police report to document the fraudulent activity and initiate an investigation. As per your company 's policy, I expected a thorough and prompt investigation to be conducted, leading to a full refund of the fraudulent charges. Unfortunately, my expectations were not met. \n\nAccording to the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693, and the Regulation E, 12 C.F.R. Part 1005, consumers have the right to timely notification, investigation, and resolution of unauthorized transactions. Furthermore, your company is required to provide provisional credit to the consumer within XXXX business days of the initial report, pending the outcome of the investigation. \n\nDespite the clear legal obligations placed upon financial institutions under EFTA and Regulation E, I have not received the necessary cooperation and support from XXXX XXXXCash App . My numerous attempts to communicate with your customer support team have resulted in vague responses, unmet promises, and a lack of accountability. Additionally, I have been denied a replacement card, further exacerbating the distressing situation and leaving me without access to essential financial services. \n\nDue to the continued negligence and breach of statutory duties by XXXX XXXXCash App , I am left with no other recourse but to pursue legal action against your institution to reclaim the stolen funds and seek compensation for the emotional distress and inconvenience caused by your actions. \n\nI hereby demand the following remedies : XXXX. A full refund of the fraudulent charges totaling {$720.00} to be credited to my account immediately. \nXXXX. The provision of a replacement card within XXXX business days, as required by XXXX. \nXXXX. Adequate compensation for the emotional distress, inconvenience, and costs incurred as a direct result of your failure to investigate and resolve this matter in a timely and appropriate manner. \n\nThis letter serves as a formal notice of my intent to sue XXXX XXXXCash App if the requested remedies are not provided within fifteen ( XXXX ) calendar days from the date of receipt of this letter. Please consider this a final opportunity to resolve this matter amicably before it proceeds to court. \n\nPlease acknowledge receipt of this letter in writing within XXXX ( XXXX ) business days. You can reach me via email at XXXX. Failure to respond to this notice will only further demonstrate your lack of willingness to address this matter appropriately. \n\nI expect your full cooperation and a prompt resolution to this issue. I sincerely hope that we can avoid the need for litigation, but I am fully prepared to pursue all legal avenues available to me to protect my rights as a consumer.","date_sent_to_company":"2023-08-01T13:03:17.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"19977","tags":null,"has_narrative":true,"complaint_id":"7332310","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2023-08-01T12:56:52.000Z","state":"DE","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The provision of a replacement card <em>within</em> XXXX <em>business</em> <em>days</em>, as required by XXXX. \nXXXX. Adequate compensation for the emotional distress, inconvenience, and costs incurred as a direct result of your failure to <em>investigate</em> and resolve this matter in a timely and appropriate manner. \n\nThis letter serves as a formal notice of my intent to sue XXXX XXXXCash App if the requested remedies are not provided <em>within</em> fifteen ( XXXX ) calendar <em>days</em> from the date of <em>receipt</em> of this letter."]},"sort":[18.962276,"7332310"]},{"_index":"complaint-public-v1","_id":"6332325","_score":18.940704,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I contacted Bank of America regarding unauthorized transactions made on my XXXX debit card account for my XXXX XXXX  Benefits multiple times in XXXX and XXXX. When they were initially notified of the unauthorized transactions in XXXX, they denied my claim without properly conducting an investigation. I had to resubmit the claim in XXXX after receiving a notification from them stating that they were reopening the claims which were previously denied. After the final time that the claims were resubmitted, I called to receive an update on the status of the claims in XX/XX/XXXX and was told by a representative that the claims were in a pending status. The representative filed a complaint regarding the claims due to them being in a pending status for a longer period than the legal limit allowed for an investigation. I called again to check the status of the claims two months later in XXXX of XXXX and was told by another representative that the claims were still in a pending status since XX/XX/XXXX. Another complaint was submitted on my behalf for these claims, in addition to an escalation request. I called again a month later and was told the same thing regarding the claims being in a pending status, and another complaint was submitted. Following the third call, after being told that the claims were in a pending status since XX/XX/XXXX, I reached out to my local senator 's office to request assistance, due to the claims involving XXXX XXXX XXXXXXXX funds which were stolen from my account using my stolen debit card. Back in XXXX, my mail was being stolen from my mailbox and fraudulently forwarded to an unknown address after a fraudulent change of address request was submitted for my address without my knowledge or consent. My mail was being forward for several weeks and months while I was away from home. This allowed the individual who stole my mail gain access to my XXXX debit card and make several unauthorized transactions on my account. I never received the debit cards which were mailed to me by Bank of America. After reviewing the unauthorized transactions made on my account, I saw several international transactions and other transactions which were clear indicators of fraud. My initial claims should have never been denied and after they were reopened, they should have never been in a pending status for several months. They have been in this same pending status since XX/XX/XXXX, which was six months ago. According to Regulation E, a bank has up to 90 days to complete an investigation regarding errors reported on checking account. These claims have surpassed that time frame and no provisional credit was ever issued for these claims despite them exceeding the legal time limit allowed for an investigation. I sent Bank of America several documents to prove that these transactions were fraudulent, including police reports for the unauthorized transactions, identity theft reports from the Federal Trade Commission, mail theft reports from the XXXX XXXX XXXX and the United States Postal Service, and written letters explaining the details of what happened regarding my stole mail. I was even XXXX with XXXX in XXXX when some of the unauthorized transactions were made with my stolen debit card and can provide doctor 's notes that I received when I was XXXX from the XXXX This money that was stolen from my account using my stolen XXXX debit card are government benefits which were issued to me during the pandemic that I need to pay back rent owed to my landlord from the times I was unable to pay my rent due to being unemployed from the XXXX pandemic. I have been trying to resolve this matter directly with Bank of America for over a year now. With my claims being in a pending status for six months now, Bank of America is in violation of federal law and has violated my consumer rights. According to Regulation E 1005.11 ( c ) ( 1 ) Ten-day period. A financial institution shall investigate promptly and, except as otherwise provided in this paragraph ( c ), shall determine whether an error occurred within 10 business days of receiving a notice of error. The institution shall report the results to the consumer within three business days after completing its investigation. The institution shall correct the error within one business day after determining that an error occurred. ( 2 ) Forty-five day period. If the financial institution is unable to complete its investigation within 10 business days, the institution may take up to 45 days from receipt of a notice of error to investigate and determine whether an error occurred, provided the institution does the following : ( i ) Provisionally credits the consumer 's account in the amount of the alleged error ( including interest where applicable ) within 10 business days of receiving the error notice. If the financial institution has a reasonable basis for believing that an unauthorized electronic fund transfer has occurred and the institution has satisfied the requirements of 1005.6 ( a ), the institution may withhold a maximum of {$50.00} from the amount credited. My claim numbers which are currently in a pending status are claim numbers : XXXX and XXXX.","date_sent_to_company":"2022-12-18T02:10:57.000Z","issue":"Problem with a purchase or transfer","sub_product":"Government benefit card","zip_code":"94103","tags":null,"has_narrative":true,"complaint_id":"6332325","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-12-18T02:04:35.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["If the financial <em>institution</em> is unable to complete its <em>investigation</em> <em>within</em> 10 <em>business</em> <em>days</em>, the <em>institution</em> may <em>take</em> up to 45 <em>days</em> from <em>receipt</em> of a notice of error to <em>investigate</em> and determine whether an error occurred, provided the <em>institution</em> does the following : ( i ) Provisionally credits the consumer 's account in the amount of the alleged error ( including interest where applicable ) <em>within</em> 10 <em>business</em> <em>days</em> of receiving the error notice."]},"sort":[18.940704,"6332325"]},{"_index":"complaint-public-v1","_id":"6332180","_score":18.921839,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I contacted Bank of America regarding unauthorized transactions made on my XXXX debit card account for my CA Unemployment Benefits multiple times in XXXX and XXXX. When they were initially notified of the unauthorized transactions in XXXX, they denied my claim without properly conducting an investigation. I had to resubmit the claim in XXXX  after receiving a notification from them stating that they were reopening the claims which were previously denied. After the final time that the claims were resubmitted, I called to receive an update on the status of the claims in XX/XX/XXXX and was told by a representative that the claims were in a pending status. The representative filed a complaint regarding the claims due to them being in a pending status for a longer period than the legal limit allowed for an investigation. I called again to check the status of the claims two months later in XXXX XXXX XXXX  and was told by another representative that the claims were still in a pending status since XX/XX/XXXX. Another complaint was submitted on my behalf for these claims, in addition to an escalation request. I called again a month later and was told the same thing regarding the claims being in a pending status, and another complaint was submitted. Following the third call, after being told that the claims were in a pending status since XXXX XXXX  I reached out to my local senator 's office to request assistance, due to the claims involving XXXX CA XXXX funds which were stolen from my account using my stolen debit card. Back in XXXX, my mail was being stolen from my mailbox and fraudulently forwarded to an unknown address after a fraudulent change of address request was submitted for my address without my knowledge or consent. My mail was being forward for several weeks and months while I was away from home. This allowed the individual who stole my mail gain access to my XXXX debit card and make several unauthorized transactions on my account. I never received the debit cards which were mailed to me by Bank of America. After reviewing the unauthorized transactions made on my account, I saw several international transactions and other transactions which were clear indicators of fraud. My initial claims should have never been denied and after they were reopened, they should have never been in a pending status for several months. They have been in this same pending status since XX/XX/XXXX, which was six months ago. According to Regulation E, a bank has up to 90 days to complete an investigation regarding errors reported on checking account. These claims have surpassed that time frame and no provisional credit was ever issued for these claims despite them exceeding the legal time limit allowed for an investigation. I sent Bank of America several documents to prove that these transactions were fraudulent, including police reports for the unauthorized transactions, identity theft reports from the Federal Trade Commission, mail theft reports from the XXXX XXXX XXXX and the United States Postal Service, and written letters explaining the details of what happened regarding my stole mail. I was even hospitalized with COVID in XXXX when some of the unauthorized transactions were made with my stolen debit card and can provide doctor 's notes that I received when I was discharged from the hospital. This money that was stolen from my account using my stolen XXXX debit card are government benefits which were issued to me during the pandemic that I need to pay back rent owed to my landlord from the times I was unable to pay my rent due to being unemployed from the XXXX pandemic. I have been trying to resolve this matter directly with Bank of America for over a year now. With my claims being in a pending status for six months now, Bank of America is in violation of federal law and has violated my consumer rights. According to Regulation E 1005.11 ( c ) ( 1 ) Ten-day period. A financial institution shall investigate promptly and, except as otherwise provided in this paragraph ( c ), shall determine whether an error occurred within 10 business days of receiving a notice of error. The institution shall report the results to the consumer within three business days after completing its investigation. The institution shall correct the error within one business day after determining that an error occurred. ( 2 ) Forty-five day period. If the financial institution is unable to complete its investigation within 10 business days, the institution may take up to 45 days from receipt of a notice of error to investigate and determine whether an error occurred, provided the institution does the following : ( i ) Provisionally credits the consumer 's account in the amount of the alleged error ( including interest where applicable ) within 10 business days of receiving the error notice. If the financial institution has a reasonable basis for believing that an unauthorized electronic fund transfer has occurred and the institution has satisfied the requirements of 1005.6 ( a ), the institution may withhold a maximum of {$50.00} from the amount credited. My claim numbers which are currently in a pending status are claim numbers : XXXX XXXX XXXX","date_sent_to_company":"2022-12-18T02:15:53.000Z","issue":"Problem with a purchase or transfer","sub_product":"Government benefit card","zip_code":"94103","tags":null,"has_narrative":true,"complaint_id":"6332180","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-12-18T02:12:18.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Charged for a purchase or transfer you did not make with the card"},"highlight":{"complaint_what_happened":["If the financial <em>institution</em> is unable to complete its <em>investigation</em> <em>within</em> 10 <em>business</em> <em>days</em>, the <em>institution</em> may <em>take</em> up to 45 <em>days</em> from <em>receipt</em> of a notice of error to <em>investigate</em> and determine whether an error occurred, provided the <em>institution</em> does the following : ( i ) Provisionally credits the consumer 's account in the amount of the alleged error ( including interest where applicable ) <em>within</em> 10 <em>business</em> <em>days</em> of receiving the error notice."]},"sort":[18.921839,"6332180"]},{"_index":"complaint-public-v1","_id":"6332263","_score":18.916693,"_source":{"product":"Checking or savings account","complaint_what_happened":"I contacted Bank of America regarding unauthorized transactions made on my XXXX debit card account for my CA Unemployment Benefits multiple times in XXXX and XXXX. When they were initially notified of the unauthorized transactions in XXXX, they denied my claim without properly conducting an investigation. I had to resubmit the claim in XXXX after receiving a notification from them stating that they were reopening the claims which were previously denied. After the final time that the claims were resubmitted, I called to receive an update on the status of the claims in XX/XX/XXXX and was told by a representative that the claims were in a pending status. The representative filed a complaint regarding the claims due to them being in a pending status for a longer period than the legal limit allowed for an investigation. I called again to check the status of the claims two months later in XXXX of XXXX and was told by another representative that the claims were still in a pending status since XX/XX/XXXX. Another complaint was submitted on my behalf for these claims, in addition to an escalation request. I called again a month later and was told the same thing regarding the claims being in a pending status, and another complaint was submitted. Following the third call, after being told that the claims were in a pending status since XX/XX/XXXX, I reached out to my local senator 's office to request assistance, due to the claims involving XXXX CA Unemployment funds which were stolen from my account using my stolen debit card. Back in XXXX, my mail was being stolen from my mailbox and fraudulently forwarded to an unknown address after a fraudulent change of address request was submitted for my address without my knowledge or consent. My mail was being forward for several weeks and months while I was away from home. This allowed the individual who stole my mail gain access to my XXXX debit card and make several unauthorized transactions on my account. I never received the debit cards which were mailed to me by Bank of America. After reviewing the unauthorized transactions made on my account, I saw several international transactions and other transactions which were clear indicators of fraud. My initial claims should have never been denied and after they were reopened, they should have never been in a pending status for several months. They have been in this same pending status since XX/XX/XXXX, which was XXXX months ago. According to Regulation XXXX, a bank has up to 90 days to complete an investigation regarding errors reported on checking account. These claims have surpassed that time frame and no provisional credit was ever issued for these claims despite them exceeding the legal time limit allowed for an investigation. I sent Bank of America several documents to prove that these transactions were fraudulent, including police reports for the unauthorized transactions, identity theft reports from the Federal Trade Commission, mail theft reports from the Post Master General and the United States Postal Service, and written letters explaining the details of what happened regarding my stole mail. I was even hospitalized with COVID in XXXX when some of the unauthorized transactions were made with my stolen debit card and can provide doctor 's notes that I received when I was XXXX from the hospital. This money that was stolen from my account using my stolen XXXX debit card are government benefits which were issued to me during the pandemic that I need to pay back rent owed to my landlord from the times I was unable to pay my rent due to being unemployed from the XXXX pandemic. I have been trying to resolve this matter directly with Bank of America for over a year now. With my claims being in a pending status for six months now, Bank of America is in violation of federal law and has violated my consumer rights. According to Regulation E 1005.11 ( c ) ( 1 ) Ten-day period. A financial institution shall investigate promptly and, except as otherwise provided in this paragraph ( c ), shall determine whether an error occurred within 10 business days of receiving a notice of error. The institution shall report the results to the consumer within three business days after completing its investigation. The institution shall correct the error within one business day after determining that an error occurred.\n\n( 2 ) Forty-five day period. If the financial institution is unable to complete its investigation within 10 business days, the institution may take up to 45 days from receipt of a notice of error to investigate and determine whether an error occurred, provided the institution does the following : ( i ) Provisionally credits the consumer 's account in the amount of the alleged error ( including interest where applicable ) within 10 business days of receiving the error notice. If the financial institution has a reasonable basis for believing that an unauthorized electronic fund transfer has occurred and the institution has satisfied the requirements of 1005.6 ( a ), the institution may withhold a maximum of {$50.00} from the amount credited. \n\nMy claim numbers which are currently in a pending status are claim numbers : XXXX and XXXX.","date_sent_to_company":"2023-01-04T16:23:46.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"94103","tags":null,"has_narrative":true,"complaint_id":"6332263","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-12-18T01:09:13.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["If the financial <em>institution</em> is unable to complete its <em>investigation</em> <em>within</em> 10 <em>business</em> <em>days</em>, the <em>institution</em> may <em>take</em> up to 45 <em>days</em> from <em>receipt</em> of a notice of error to <em>investigate</em> and determine whether an error occurred, provided the <em>institution</em> does the following : ( i ) Provisionally credits the consumer 's account in the amount of the alleged error ( including interest where applicable ) <em>within</em> 10 <em>business</em> <em>days</em> of receiving the error notice."]},"sort":[18.916693,"6332263"]},{"_index":"complaint-public-v1","_id":"11100786","_score":18.636751,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am writing to formally express my concern regarding unauthorized charges that have appeared on my debit card and checking account by a company called XXXX. These transactions were not authorized by me and have caused significant inconvenience and financial stress. \n\nDespite contacting your institution on to report this issue, I have not received a satisfactory resolution. I am disappointed by your failure to properly address this matter, and I insist on an immediate and thorough investigation into these charges, with prompt reimbursement of the unauthorized amounts. \n\nIf this issue is not resolved to my satisfaction within 10 business days, I will be compelled to escalate my complaint. I will file a formal grievance with the Consumer Financial Protection Bureau ( CFPB ) and notify the Texas Attorney Generals office. Additionally, I will consider consulting my attorney to explore legal options and filing a report with the XXXX XXXX XXXX regarding your handling of this matter. \n\nI trust you understand the seriousness of this situation and the importance of resolving this issue promptly and professionally. Please confirm receipt of this letter and provide a written response detailing the steps you will take to address my concerns.","date_sent_to_company":"2024-12-10T15:06:00.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"76244","tags":"Servicemember","has_narrative":true,"complaint_id":"11100786","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2024-12-10T14:56:42.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Despite contacting your <em>institution</em> on to report this issue, I have not received a satisfactory resolution. I am disappointed by your failure to properly address this matter, and I insist on an immediate and thorough <em>investigation</em> into these charges, with prompt reimbursement of the unauthorized amounts. \n\nIf this issue is not resolved to my satisfaction <em>within</em> 10 <em>business</em> <em>days</em>, I will be compelled to escalate my complaint."]},"sort":[18.636751,"11100786"]},{"_index":"complaint-public-v1","_id":"6937074","_score":18.629206,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"THIS IS LETTER I SENT BANK OF AMERICA in LATE XXXX, XXXX. I ALSO EMAILED THEIR EXECUTIVE OFFICES. THEY RESPONDED BUT SAID THE TERMS OF BANK OF AMERICA AND XXXX IS THAT IF MONEY IS SENT, IT'S GONE, UNLESS I CAN PROVE THEIR LIABILITY : On XX/XX/XXXX and XX/XX/2023, I entered an incorrect phone number, XXXX, and sent {$350.00} total ( {$150.00} + {$200.00} ) to that incorrect phone number while using XXXX and being logged into my Bank of America account. I made a mistake that many others have also made, many who have brought and will bring legal action against their banks and XXXX under the EFTA. \n\nThe Consumer Financial Protection Bureau issued a statement that XXXX transactions are covered by the EFTA, Reg. E, and therefore, federal law requires Bank of America to refund or credit my account : The Electronic Fund Transfer Act ( EFTA ) and Regulation E apply to an electronic fund transfer that authorizes a financial institution to debit or credit a consumer 's account. 12 CFR 1005.3 ( a ). \nThe term account means a demand deposit ( checking ), savings, or other consumer asset account ( other than an occasional or incidental credit balance in a credit plan ) held directly or indirectly by a financial institution and established primarily for personal, family, or household purposes. 12 CFR 1005.2 ( b ) ( 1 ). It includes a prepaid account, as defined by Regulation E. 12 CFR 1005.2 ( b ) ( 3 ).\n\nThe term electronic fund transfer or EFT means any transfer of funds that is initiated through an electronic terminal, telephone, computer, or magnetic tape for the purpose of ordering, instructing, or authorizing a financial institution to debit or credit a consumer 's account. 12 CFR 1005.3 ( b ) ( 1 ). Accordingly, Regulation E applies to any person-toperson ( P2P ) or mobile payment transactions that meet the definition of EFT, including debit card, ACH, prepaid account, and other electronic transfers to or from a consumer account. 12 CFR 1005.3 ( b ) ( 1 ) ( v ) ; Comment 3 ( b ) ( 1 ) -1.ii.\n\nFuthermore, the EFTA states that a credit/refund must be issued if an error is made. In this case, despite the Bank of America letter that erroneously claims no error was involved, so the Bank has no liability, under the EFTAs definition of error listed below, there was clearly an error of an incorrect phone number being entered by me and the money being sent to an incorrect person, thus falling under the protection of the EFTA. The pertinent part below is this section of the error definition : An incorrect EFT to or from the consumer 's account ; The EFTAs full definition of error and directions to the bank to immediately credit the account holder of the funds involved : Procedures for Resolving Errors Section 205.11 This section defines \" error '' and describes the steps the consumer must take when asserting an error in order to receive the protection of the EFTA and Regulation E, and the procedures that a financial institution must follow to resolve an alleged error.\n\nAn \" error '' includes any of the following : An unauthorized EFT ; An incorrect EFT to or from the consumer 's account ; The omission from a periodic statement of an EFT to or from the consumer 's account that should have been included ; A computational or bookkeeping error made by the financial institution relating to an EFT ; The consumer 's receipt of an incorrect amount of money from an electronic terminal ; An EFT not identified in accordance with the requirements of sections 205.9 or 205.10 ( a ) ; or A consumer 's request for any documentation required by sections 205.9 or 205.10 ( a ) or for additional information or clarification concerning an EFT. ( Section 205.11 ( a ) ( 1 ) ).\n\nThe term error does not include : A routine inquiry about the balance in the consumer 's account or a request for duplicate copies of documentation or other information that is made only for tax or other recordkeeping purposes. ( Sections 205.11 ( a ) ( 2 ) ( i ), ( ii ), and ( iii ) ).\n\nThe fact that a financial institution does not make a terminal receipt available for a transfer of {$15.00} or less in accordance with 205.9 ( e ). ( Staff Commentary 205.11 ( a ) -6 ).\n\nA financial institution must comply with the error resolution procedures in Section 205.11 with respect to any oral or written notice of error from the consumer that : The financial institution receives not later than 60 days after sending a periodic statement or other documentation first reflecting the alleged error ( but see 205.14 and 205.18 ) ; Enables the financial institution to identify the consumer 's name and account number ; and Indicates why the consumer believes the error exists, and, to the extent possible, the type, date, and amount of the error. ( Section 205.11 ( b ) ( 1 ) ) A financial institution may require a consumer to give written confirmation of an error within 10 business days of giving oral notice. The financial institution must provide the address where confirmation must be sent. ( Section 205.11 ( b ) ( 2 ) ) Error Resolution Procedures. After receiving a notice of error, the financial institution must : Promptly investigate the oral or written allegation of error, Complete its investigation within 10 business days, ( Section 205.11 ( c ) ( 1 ) ) Report the results of its investigation within three business days after completing its investigation, and Correct the error within one business day after determining that an error has occurred.\n\nThe financial institution may take up to 45 calendar days ( Section 205.11 ( c ) ( 2 ) ) to complete its investigation provided it : Provisionally credits the funds ( including interest, where applicable ) to the consumer 's account within the 10 business-day period ; Advises the consumer within 2 business days of the provisional crediting ; and Gives the consumer full use of the funds during the investigation.\n\nFinally, the phone number that I sent the money to was also registered with XXXX. A Bank of America rep told me to call that person and try to get the money back. Neither Bank of America nor XXXX would offer any help. I called that number, and as expected, we began arguing when the person denied receiving the money ( the transfer to this person can easily be traced, so denials are irrelevant ). It is hard to believe that Bank of America and XXXX would pit me and this person who received the money against each other. It is completely foreseeable by Bank of America and XXXX that a conflict would arise in such a situation. \nForeseeability is the basis of all civil case claims, so in essence, telling customers to fight it out is outrageous. We are not talking about fraud or a scam, these are two bank account holders whose identities are known. \nBank of America and XXXX should both have a process to handle such occurrences on their end without encouraging conflict. \nThank you for your attention and anticipated quick action to credit/refund my clients account for {$350.00}.","date_sent_to_company":"2023-05-08T00:25:09.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"32812","tags":null,"has_narrative":true,"complaint_id":"6937074","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-05-07T23:50:59.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["After receiving a notice of error, the financial <em>institution</em> must : Promptly <em>investigate</em> the oral or written allegation of error, Complete its <em>investigation</em> <em>within</em> 10 <em>business</em> <em>days</em>, ( Section 205.11 ( c ) ( 1 ) ) Report the results of its <em>investigation</em> <em>within</em> three <em>business</em> <em>days</em> after completing its <em>investigation</em>, and Correct the error <em>within</em> one <em>business</em> day after determining that an error has occurred."]},"sort":[18.629206,"6937074"]},{"_index":"complaint-public-v1","_id":"21961260","_score":17.996422,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>XXXX  at XXXXXXXX XXXX, I made a purchase at XXXX XXXX XXXX XXXX ( an authorized XXXX XXXX retailer ) located at XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX, phone XXXX. The total amount of {$1200.00} was charged to my PNC XXXX debit card ( Approval Code XXXX, Transaction # XXXX, Batch # XXXX ). The purchase included an XXXX XXXX XXXX, phone activation, a custom case, and a screen protector. \n\nThe XXXX XXXX XXXX turned out to be defective the battery would not hold a charge and the phone was unusable. I attempted to return it to the store within XXXX XXXX 's official 30-day return policy, but the store refused, falsely telling me the return window was only 7 days. I contacted XXXX XXXX customer support multiple times in writing and escalated the issue, but no resolution was ever provided. \n\nOn XX/XX/year>, I filed a formal dispute with PNC Bank ( reference number # XXXX ). PNC confirmed receipt and told me the investigation could take up to 90 calendar days. \n\nIt has now been nearly three months since I filed the dispute. PNC has not issued any provisional credit to my account. When I contacted PNC support today ( XX/XX/year>XXXX   ), I was told the dispute is still open and active, and that no provisional credit was applied at any point. The agent stated PNC can not manually add a provisional credit. \n\nUnder Regulation E ( 12 CFR 1005.11 ), when a financial institution can not complete an investigation of a debit card error within 10 business days, it must provisionally credit the consumer 's account within 10 business days while the investigation continues. PNC has not done this, despite the investigation being far beyond that timeframe. \n\nI am an XXXX XXXX XXXX XXXX XXXX XXXX The missing {$1200.00} is needed to pay my tuition for this semester. Without resolution, I am at serious risk of being unable to pay my balance, losing my student status, and being XXXX XXXX XXXX XXXX XXXX XXXX. I have no family in XXXX XXXX and no other source of financial support. \n\nI have full documentation including the original XXXX debit card transaction receipt ( {$1200.00} charged on XX/XX/year>XXXX  ), the merchant invoice, my email correspondence with XXXX XXXX, and the PNC dispute confirmation, all available upon request.","date_sent_to_company":"2026-05-07T04:00:10.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"61801","tags":null,"has_narrative":true,"complaint_id":"21961260","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2026-05-07T03:28:10.000Z","state":"IL","company_public_response":null,"sub_issue":"Money was taken from your account on the wrong day or for the wrong amount"},"highlight":{"complaint_what_happened":["Under Regulation E ( 12 CFR 1005.11 ), when a financial <em>institution</em> can not complete an <em>investigation</em> of a debit card error <em>within</em> 10 <em>business</em> <em>days</em>, it must provisionally credit the consumer 's account <em>within</em> 10 <em>business</em> <em>days</em> while the <em>investigation</em> continues. PNC has not done this, despite the <em>investigation</em> being far beyond that timeframe. \n\nI am an XXXX XXXX XXXX XXXX XXXX XXXX The missing {$1200.00} is needed to pay my tuition for this semester."]},"sort":[17.996422,"21961260"]},{"_index":"complaint-public-v1","_id":"9848515","_score":17.46086,"_source":{"product":"Checking or savings account","complaint_what_happened":"I noticed I had XXXX unauthorized transactions of {$150.00} each totalling {$900.00} pending on my account on XX/XX/2024. I called BMO immediately to file a claim. The representative explained that they have no way to file a claim unless the transactions have posted to the account and I'll have to call when the transactions post on XX/XX/2024. I asked for the deposit account agreement and the representative told me where to find it on the website. On page XXXX of the account agreement it states, \" Unauthorized Transactions, Errors, and Questions Call us at XXXX or write to us at BMO, XXXX XXXX XXXX, XXXX, IL XXXX, IMMEDIATELY ( i ) for errors involving Card transactions, ( ii ) if you believe any of your Cards or PINs have been lost or stolen, ( iii ) if you believe your statement or receipt is wrong, or ( iv ) if you need more information about a transaction reported on a statement or receipt. \nTelephoning is the best way to minimize your Losses for any error or unauthorized transaction. '' I assume immediately would mean at that exact moment. There is another section on page XXXX that states, \" Limitations on Your Liability for Unauthorized Personal CardTransactions If you tell us within two ( 2 ) Business Days after you learn of the loss or theft, you can lose no more than {$50.00} if someone used your Card or PIN without your permission. However, you could lose as much as {$500.00} if : You do not tell us within two ( 2 ) Business Days after you learn of the loss or theft of your Card or PIN ; and We can prove that we could have stopped someone from using your Card or PIN without your permission if you had told us. \nIf you do not tell us within sixty ( 60 ) days after the statement was provided or otherwise made available to you and if we can prove that we could have stopped someone from taking the money if you had told us within sixty ( 60 ) days, you may not get back any money you lost after the sixty ( 60 ) days. If a good reason ( such as a long trip or a hospital stay ) kept you from telling us, we may extend these time periods. '' If we are to go off their policy to only take claims once they post then an account holder is burning one business day waiting to call back and effectively has only one business day to report the loss to limit their liability to {$50.00}. That feels pretty deceitful. From my understanding of regulation E and BMO 's own account agreement it doesn't make any mention of waiting for transactions to post to start the clock on the financial institution to investigate unauthorized EFTs.","date_sent_to_company":"2024-08-19T03:44:38.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"97035","tags":null,"has_narrative":true,"complaint_id":"9848515","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BMO BANK NATIONAL ASSOCIATION","date_received":"2024-08-19T03:05:41.000Z","state":"OR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["From my understanding of regulation E and BMO 's own account agreement it doesn't make any mention of waiting for transactions to post to start the clock on the financial <em>institution</em> to <em>investigate</em> unauthorized EFTs."]},"sort":[17.46086,"9848515"]},{"_index":"complaint-public-v1","_id":"18647497","_score":16.872046,"_source":{"product":"Checking or savings account","complaint_what_happened":"I filed a debit card dispute with Bank of America regarding charges made by XXXX XXXX for a defective product. The item was materially defective, not as described, and completely unusable upon receipt. I was unable to use the product for its intended purpose. \n\nI made multiple good-faith attempts to resolve this issue directly with the merchant, including requesting a refund. The merchant has refused to issue a refund and has become non-responsive, ignoring my communications entirely. \n\nI timely notified Bank of America of the dispute and submitted all requested supporting documentation, including proof of payment, evidence of the product defect, records showing the merchants refusal and non-responsiveness, and information regarding my complaint filed with the XXXX Attorney Generals Office, which is currently investigating the merchant for unfair and deceptive business practices. \n\nI also spoke directly with a Bank of America representative regarding this dispute. During that conversation, I was advised that provisional ( temporary ) credit would be issued within XXXX business days following my submission of the supporting documentation. I complied fully and faxed the requested documents as instructed. \n\nDespite my compliance and despite my account being in good standing, no provisional credit has been issued. I have also not received any written notice explaining a delay. I have since been told or implied that the investigation could take 90 days or more, which is inconsistent with the requirements of federal law when provisional credit has not been provided. \n\nUnder the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and Regulation E ( 12 C.F.R. 1005.11 ), a financial institution must conduct a prompt investigation of an electronic fund transfer dispute and must either : Provisionally credit the consumers account within XXXX business days, or Provide written notice explaining why additional time is required ( up to XXXX days XXXX Bank of America has failed to do either. \n\nAdditionally, the merchants conduct appears to violate applicable state consumer protection laws prohibiting unfair or deceptive acts or practices, as reflected by the XXXX XXXXttorney Generals ongoing investigation.\n\nBank of Americas failure to issue provisional credit, failure to honor representations made by its representative, and failure to provide required written notice constitute non-compliance with federal consumer protection laws and have caused me ongoing financial harm. \n\nI am requesting : XXXX. Immediate issuance of provisional credit as required by Regulation E 2. A written explanation of the current dispute status and delay XXXX. Confirmation that my dispute is being handled in compliance with federal law","date_sent_to_company":"2026-01-12T13:48:02.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"43219","tags":null,"has_narrative":true,"complaint_id":"18647497","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-01-12T13:41:52.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["Under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and Regulation E ( 12 C.F.R. 1005.11 ), a financial <em>institution</em> must conduct a prompt <em>investigation</em> of an electronic fund transfer dispute and must either : Provisionally credit the consumers account <em>within</em> XXXX <em>business</em> <em>days</em>, or Provide written notice explaining why additional time is required ( up to XXXX <em>days</em> XXXX Bank of America has failed to do either."]},"sort":[16.872046,"18647497"]},{"_index":"complaint-public-v1","_id":"10337024","_score":16.525793,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear Sir/Madam, I am writing to bring to your attention a concerning issue regarding the handling of my claim for non-receipt of goods with Bank of America XXXX On XX/XX/year>, I filed a claim ( Claim ID : XXXX ) for {$2100.00} due to the non-delivery of goods. Despite several months of waiting, I have yet to receive a satisfactory resolution or a refund. \n\nAt the outset of my claim, I was informed that I would receive a temporary credit for the disputed amount. Subsequently, I was told that I would need to wait 45 days for my claim to be processed. However, this period was then extended to 90 days without any clear explanation. After this extended period, I was informed that I would need to wait for a response from XXXX, without being provided with any clear details on the status of my claim. \n\nI would like to emphasize that the handling of this claim has been marked by a severe lack of professionalism and support from Bank of America. I have received contradictory information from various customer service representatives, and no tangible assistance has been provided to resolve my issue. This behavior appears to contradict the bank 's obligations toward its clients concerning claims processing, as outlined in Florida law and banking regulations. \n\nFurthermore, the handling of my claim seems to be in direct conflict with the requirements set forth by Regulation XXXX of the Federal Reserve, which governs electronic funds transfers and mandates that financial institutions investigate and resolve customer claims within specified timeframes. Under this regulation, banks are required to issue a temporary credit within XXXX business days of receiving notice of an error and complete their investigation within 45 days. If the investigation takes longer, an extension is possible, but the customer must be adequately informed of the status of their claim. \n\nAdditionally, I would like to remind you that Bank of America 's practices may be subject to the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ), which protects consumers from unfair and deceptive business practices. The lack of transparency and contradictory information provided by Bank of America may constitute a violation of this act.\n\nI am therefore requesting your assistance in recovering the {$2100.00} that is owed to me. I also ask that Bank of America be held accountable to its legal and regulatory obligations concerning the timely processing and resolution of claims, as stipulated by Florida law. \n\nI would be grateful for your intervention to ensure that this matter is resolved as quickly as possible, and I kindly request clarification on the available legal recourse to enforce my rights in this case. \n\nThank you in advance for your help, and I look forward to your prompt response. \n\nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-10-03T13:01:20.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"33334","tags":null,"has_narrative":true,"complaint_id":"10337024","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-10-03T12:51:51.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Furthermore, the handling of my claim seems to be in direct conflict with the requirements set forth by Regulation XXXX of the Federal Reserve, which governs electronic funds transfers and mandates that financial <em>institutions</em> <em>investigate</em> and resolve customer claims <em>within</em> specified timeframes. Under this regulation, banks are required to issue a temporary credit <em>within</em> XXXX <em>business</em> <em>days</em> of receiving notice of an error and complete their <em>investigation</em> <em>within</em> 45 <em>days</em>."]},"sort":[16.525793,"10337024"]},{"_index":"complaint-public-v1","_id":"18058959","_score":15.889059,"_source":{"product":"Checking or savings account","complaint_what_happened":"General nature of complaint- Goldman Sachs Bank took in a XXXX XXXX XXXX  wire from me, said they couldn't apply it to my account to earn interest, and has not returned it to originating bank as requested on XXXX at XXXX XXXX  on a recorded line. When calling them on XXXX to try to find out where my XXXX XXXX was, they could not tell me if they still had it or why the wire was not returned as requested on XXXX. They only thing that they would say - spoke to supervisor XXXX on XXXX at XXXX - is that the money would be returned in 1 to 3 business days. If the money had been applied to my account at Goldman Sachs Bank, I could have initiated my own wire back to my bank. However, since Goldman would not apply the XXXX XXXX to my account per their account agreement saying no one account can be over XXXX XXXX, they are simply holding on to my money and earning interest on it to the tune of approximately XXXX a day. They are holding these funds without having acknowledged in writing or email that they have the funds or a timeline for return. When speaking with XXXX on XXXX, i asked the specific questions of - does Goldman still hold my XXXX XXXX XXXX and does Goldman plan to return the money to the originating institution by wire. Goldman could not or would not answer either question for me. She kept saying, funds will be retuned within 1-3 business days. If Goldman Sachs Bank calls me- which they did on XXXX at XXXX - telling me they can not take the money into my account, I believe their duty is to return the wire to originating institution immediately, which is what I requested when they called me on XXXX on a recorded line. While it was my mistake to not understand the dollar limit in the account agreement when sending the wire, it is Goldman 's responsibility to return a wire promptly that they can not apply to my account per the wire instructions. It is highly improper for them to simply hold my funds, claim no knowledge of where my money is and quote a 1-3 business day timeframe for return. I have contacted originating institution both on XXXX and the morning of XXXX to see if my funds had been returned and they had not. I happen to work for a depository in the Treasury area, and we regularly return customer wires immediately that can not be applied per the instructions. For Goldman to confirm they got my funds on XXXX XXXX, not return them immediately in response to my speaking with them on XXXX and claim no knowledge of where my money is on XXXX is highly improper. When I asked to speak to a supervisor there on XXXX to escalate and try to get more information and answers, I was told by XXXX that she has to be put in a request for a call back, which, surprise, surprise, will happen in the next 1-3 business days. Forget that this is Goldman Sachs, the customer care, fiduciary responsibility to banking customers per FDIC guidelines and general \" I don't have an answer '' response to a customer trying to recover his XXXX XXXX XXXX  wire is something that should be investigated and punished. I have received nothing in writing or by email from Goldman to confirm receipt of my XXXX XXXX XXXX  wire, it's status or potential return. Goldman has only acknowledged by phone that they have the funds. This should not be allowed to occur by a fiduciary.","date_sent_to_company":"2025-12-03T16:53:40.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"80403","tags":null,"has_narrative":true,"complaint_id":"18058959","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2025-12-03T16:42:01.000Z","state":"CO","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["When speaking with XXXX on XXXX, i asked the specific questions of - does Goldman still hold my XXXX XXXX XXXX and does Goldman plan to return the money to the originating <em>institution</em> by wire. Goldman could not or would not answer either question for me. She kept saying, funds will be retuned <em>within</em> 1-3 <em>business</em> <em>days</em>."]},"sort":[15.889059,"18058959"]},{"_index":"complaint-public-v1","_id":"15084444","_score":15.515649,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Subject : Demand for Removal of Unauthorized Hard Inquiries TransUnion & Equifax To Whom It May Concern, I am filing this formal complaint to report unauthorized hard inquiries on my credit reports from TransUnion and Equifax, despite having disputed them on XX/XX/year>. These inquiries were not made with my consent, and I have not initiated any credit applications with the institutions listed below. \nExperian has completed their investigation and removed these inquiries entirely. However, TransUnion and Equifax have failed to respond or take corrective action violating both the timeline and consumer protection standards of the Fair Credit Reporting Act ( FCRA ). \nInquiries to Be Deleted : Ally Financial ( multiple entries ) XXXX XXXX XXXX ( multiple entries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Portfolio Global Lender Timeline & Urgency : These inquiries must be removed within XXXX ( XXXX ) business days of receipt of this complaint. I have submitted documentation previously, and there is no legitimate reason for delay. \nSupporting Documentation ( attached ) : Copy of Experian credit report showing deletions XXXX XXXX TransUnion and Equifax reports with disputed inquiries Valid government-issued ID Action Requested : Immediate removal of unauthorized inquiries from TransUnion and Equifax reports XXXX confirmation of deletions Investigation into noncompliance and potential enforcement actions for failure to adhere to FCRA Thank you for your prompt attention. I trust the CFPB will ensure swift resolution in accordance with federal law. I am available to provide any further information you may need. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-08-05T17:55:02.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"390XX","tags":null,"has_narrative":true,"complaint_id":"15084444","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-05T17:49:15.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Inquiries to Be Deleted : Ally Financial ( multiple entries ) XXXX XXXX XXXX ( multiple entries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Portfolio Global Lender Timeline & Urgency : These inquiries must be removed <em>within</em> XXXX ( XXXX ) <em>business</em> <em>days</em> of <em>receipt</em> of this complaint. I have submitted documentation previously, and there is no legitimate reason for delay."],"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":[15.515649,"15084444"]},{"_index":"complaint-public-v1","_id":"11138751","_score":15.514635,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, I contacted Wells Fargo via email and phone to follow up on certified mail sent on XX/XX/year>, at XXXX XXXX  ( XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX ). The certified mail contained my Certification of Trust and Banking Operational Instructions, submitted in my capacity as Trustee for the proper administration of the trust account. These documents outlined instructions for the accounts operation, compliance with trust provisions, and adherence to federal regulations governing trust accounts. \n\nDespite proof of receipt, Wells Fargo failed to acknowledge the submission or take action until XX/XX/year>, when XXXX from the Executive Office contacted me.\n\nShe indicated that my complaint regarding their failure to review the documents would be investigated, and she committed to following up within 10 business days. \n\nOn XX/XX/year>, XXXX informed me via phone at XXXX XXXX  Arizona XXXX XXXX that Wells Fargo has an internal policy preventing them from reviewing trust agreements and banking operational instructions. This statement directly contradicted the intent of my submission and my rights as Trustee to provide instructions for the accounts management. The refusal to review my documents has obstructed my ability to properly administer the trust account and ensure compliance with applicable legal and regulatory obligations. \n\nWells Fargos reliance on an ambiguous internal policy to refuse review of trust documents raises significant concerns about transparency, accountability, and their adherence to fiduciary obligations for trust accounts. This lack of cooperation has caused undue delays, disrupted trust operations, and appears to violate the rights of account holders under federal laws governing financial institutions. \n\nI am requesting the CFPB investigate this issue to determine whether Wells Fargo is unlawfully using internal policies to avoid their responsibilities in handling trust accounts and to ensure that they comply with all applicable laws and regulations.","date_sent_to_company":"2024-12-12T16:47:14.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"85043","tags":null,"has_narrative":true,"complaint_id":"11138751","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-12-12T16:37:59.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["Despite proof of <em>receipt</em>, Wells Fargo failed to acknowledge the submission or <em>take</em> action until XX/XX/year>, when XXXX from the Executive Office contacted me.\n\nShe indicated that my complaint regarding their failure to review the documents would be <em>investigated</em>, and she committed to following up <em>within</em> 10 <em>business</em> <em>days</em>."]},"sort":[15.514635,"11138751"]},{"_index":"complaint-public-v1","_id":"15096020","_score":15.51302,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Subject : Demand for Removal of Unauthorized Hard Inquiries TransUnion & Equifax To Whom It May Concern, I am filing this formal complaint to report unauthorized hard inquiries on my credit reports from TransUnion and Equifax, despite having disputed them on XX/XX/year>. These inquiries were not made with my consent, and I have not initiated any credit applications with the institutions listed below. \nExperian has completed their investigation and removed these inquiries entirely. However, TransUnion and Equifax have failed to respond or take corrective action violating both the timeline and consumer protection standards of the Fair Credit Reporting Act ( FCRA ). \nInquiries to Be Deleted : Ally Financial ( multiple entries ) XXXX XXXX XXXX ( multiple entries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Portfolio Global Lender Timeline & Urgency : These inquiries must be removed within XXXX ( XXXX ) business days of receipt of this complaint. I have submitted documentation previously, and there is no legitimate reason for delay. \nSupporting Documentation ( attached ) : Copy of Experian credit report showing deletions XXXX XXXX TransUnion and Equifax reports with disputed inquiries Valid government-issued ID Action Requested : Immediate removal of unauthorized inquiries from TransUnion and Equifax reports XXXX confirmation of deletions Investigation into noncompliance and potential enforcement actions for failure to adhere to FCRA Thank you for your prompt attention. I trust the CFPB will ensure swift resolution in accordance with federal law. I am available to provide any further information you may need. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-08-05T17:55:02.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"390XX","tags":null,"has_narrative":true,"complaint_id":"15096020","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-05T17:54:34.000Z","state":"MS","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Inquiries to Be Deleted : Ally Financial ( multiple entries ) XXXX XXXX XXXX ( multiple entries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Portfolio Global Lender Timeline & Urgency : These inquiries must be removed <em>within</em> XXXX ( XXXX ) <em>business</em> <em>days</em> of <em>receipt</em> of this complaint. I have submitted documentation previously, and there is no legitimate reason for delay."],"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":[15.51302,"15096020"]},{"_index":"complaint-public-v1","_id":"12343574","_score":15.408106,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> I am formally submitting this statement to document a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801 ( Right to Privacy ) by [ Credit Reporting Agency Name ]. I also demand the immediate removal of unauthorized and inaccurate accounts from my credit report.\n\nViolation of 15 U.S.C. 6801 Right to Privacy Under 15 U.S.C. 6801, financial institutions, including credit reporting agencies, are legally required to protect the confidentiality, security, and integrity of consumers personal information. However, Transunion Experian, And Equifax has unlawfully bought, sold, or shared my personal and financial data without my explicit consent, violating my federal right to financial privacy.\n\nBy engaging in these unauthorized practices, Transunion Experian, And Equifax has subjected me to increased risks of fraud, identity theft, and financial harm. I demand immediate corrective action, including : 1. A full investigation into the unauthorized sale and distribution of my personal financial data.\n\n2. The immediate cessation of any further unauthorized sharing, selling, or access to my credit report.\n\n3. A detailed written response outlining the specific entities that have accessed or purchased my information and the permissible purpose under which it was provided.\n\nFailure to comply with these demands will result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. If necessary, I will also pursue legal action against Transunion Experian, And Equifax for violating my right to financial privacy and seek damages for noncompliance. \n\nDispute of Unauthorized & Inaccurate Accounts XXXX Deletion Demand I am also disputing the following accounts as inaccurate, unverifiable, and/or unauthorized and demanding their immediate deletion within XXXX business days : XXXX. XXXX - Account # XXXX Reason : Account is not mine Ive been affected by Equifax data breach XXXX XXXX XXXX Account # XXXX Reason : Account is not mine Ive been affected by Equifax data breach XXXX unknown- Account # XXXX Reason : Account is not mine Ive been affected by Equifax data breach XXXX XXXXXXXX XXXX- Account # XXXX - Reason Account is not mine Ive been affected by Equifax data breach These accounts must be permanently deleted within XXXX business days in accordance with 15 U.S.C. 1681i, which requires credit reporting agencies to investigate and remove unverified, unauthorized or inaccurate information. \n\nFinal Demand : Legal Action if Not Deleted Within XXXX  Days I am demanding the following IMMEDIATE ACTIONS from Transunion, Experian, Equifax : Investigate and delete the disputed accounts within XXXX business days from receipt of this notice. \nProvide a written response detailing the method of verification used to validate any disputed accounts. \nStop all unauthorized buying, selling, and sharing of my financial data under 15 U.S.C. 6801. \nMail me an updated credit report reflecting the removal of these disputed accounts. \n\nI strongly advise that TransUnion Experian Equifax take this matter seriously and comply immediately. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-07T03:50:25.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60619","tags":null,"has_narrative":true,"complaint_id":"12343574","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-07T03:50:02.000Z","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":["Final Demand : Legal Action if Not Deleted <em>Within</em> XXXX  <em>Days</em> I am demanding the following IMMEDIATE ACTIONS from Transunion, Experian, Equifax : <em>Investigate</em> and delete the disputed accounts <em>within</em> XXXX <em>business</em> <em>days</em> from <em>receipt</em> of this notice. \nProvide a written response detailing the method of verification used to validate any disputed accounts. \nStop all unauthorized buying, selling, and sharing of my financial data under 15 U.S.C. 6801."],"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":[15.408106,"12343574"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1081,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":1081}]}},"product":{"doc_count":1081,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or 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