{"took":119,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":26004,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"5373332","_score":15.054254,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This complaint is reporting inaccurate information on my credit report! They are reporting a charge off on my report! \nThe lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1. \n\nThe IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!","date_sent_to_company":"2022-03-27T10:08:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19027","tags":null,"has_narrative":true,"complaint_id":"5373332","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Santander Consumer USA Holdings Inc.","date_received":"2022-03-27T10:02:25.000Z","state":"PA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["They are reporting a <em>charge</em> off on my report! \nThe <em>lender</em> must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the <em>lender</em> is a financial institution, credit union , federal government agency, or <em>other</em> applicable entity as discussed earlier in chapter 1. \n\nThe IRS Clearly defines a <em>charge</em> off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes <em>your</em> reporting of this <em>account</em> inaccurate!"],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"],"issue":["Incorrect information on <em>your</em> report"],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[15.054254,"5373332"]},{"_index":"complaint-public-v1","_id":"4956544","_score":14.851729,"_source":{"product":"Debt collection","complaint_what_happened":"LendingClub account XXXX. LendingClub has violated pursuant to section 623 ( a ) ( 3 ) the FCRA requirements by not putting the required notice of dispute in comments after 30 days of the first dispute. This account has be re-aged. Re-aging account is a violation of the FCRA. I have disputed this inaccurate and illegal account multiple times over the past serval months and none of the credit reports had the required notice of dispute in the comments section. Not putting the notice of dispute in the comments is a violation of the Fair Credit Reporting Act requirements by LendingClub. LendingClub has multiple other FCRA violations on this account. LendingClub has re-aged this account violation of the FCRA requirements. LendingClub is reporting a 60 month term on a charge off account violation of the FCRA requirements. LendingClub is reporting a high balance on a charge off account violation of the FCRA requirements. \n\nI have attached a copy of the credit report as proof documentation directly from the credit showing the multiple FCRA violations, re-aging of account, no notice of dispute as required, Violations FCRA terms month on a charge off account and Violations FCRA reporting high balance on a charged off account. I am also attached a copy of the section 623 ( a ) ( 3 ) of the FCRA requirements for your review.","date_sent_to_company":"2021-11-29T19:43:02.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"02301","tags":null,"has_narrative":true,"complaint_id":"4956544","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Lending Club Corp","date_received":"2021-11-29T19:01:47.000Z","state":"MA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Not putting the notice of dispute in the comments is a violation of the Fair Credit Reporting Act requirements by <em>Lending</em>Club. <em>Lending</em>Club has multiple <em>other</em> FCRA violations on this <em>account</em>. <em>Lending</em>Club has re-aged this <em>account</em> violation of the FCRA requirements. <em>Lending</em>Club is reporting a 60 month term on a <em>charge</em> off <em>account</em> violation of the FCRA requirements. <em>Lending</em>Club is reporting a high balance on a <em>charge</em> off <em>account</em> violation of the FCRA requirements."],"company":["<em>Lending</em> Club Corp"]},"sort":[14.851729,"4956544"]},{"_index":"complaint-public-v1","_id":"9990774","_score":14.738092,"_source":{"product":"Checking or savings account","complaint_what_happened":"I had a unauthorized charge on XX/XX/year> had two previous ones for XXXX and they issued my temp credits for that as they investigate I need the same done now cuz that wasnt right at all and they shouldnt have me waiting this long","date_sent_to_company":"2024-09-02T21:21:06.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"29646","tags":null,"has_narrative":true,"complaint_id":"9990774","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-09-02T21:14:18.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I had a unauthorized <em>charge</em> on XX/XX/year> had two previous ones for XXXX and they issued my temp credits for that as they investigate I need the same done now cuz that wasnt right at all and they shouldnt have me waiting this long"],"product":["Checking or savings <em>account</em>"],"issue":["Problem with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[14.738092,"9990774"]},{"_index":"complaint-public-v1","_id":"9988460","_score":14.738092,"_source":{"product":"Checking or savings account","complaint_what_happened":"I ordered clothes online through my PayPal account which is debited from my checking account and I filed a case with PayPal on XX/XX/year>. They closed the case on XX/XX/year> in the Sellers favor after I submitted the necessary documents to show that I returned the merchandise and that they would not issue a refund after the merchandise was misrepresented.","date_sent_to_company":"2024-09-03T02:08:32.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Other banking product or service","zip_code":"30294","tags":"Servicemember","has_narrative":true,"complaint_id":"9988460","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2024-09-03T01:58:27.000Z","state":"GA","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I ordered clothes online through my PayPal <em>account</em> which is debited from my checking <em>account</em> and I filed a case with PayPal on XX/XX/year>. They closed the case on XX/XX/year> in the Sellers favor after I submitted the necessary documents to show that I returned the merchandise and that they would not issue a refund after the merchandise was misrepresented."],"product":["Checking or savings <em>account</em>"],"issue":["Problem with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em>"],"sub_product":["<em>Other</em> banking product or service"]},"sort":[14.738092,"9988460"]},{"_index":"complaint-public-v1","_id":"9986449","_score":14.738092,"_source":{"product":"Checking or savings account","complaint_what_happened":"My chime card was stolen, and charges were made fraudulently on my account. I filed a dispute with chime, but I still have not received my funds. I'm writing this complaint requesting that this claim be governed for constructive fraud with this company.","date_sent_to_company":"2024-09-01T08:16:16.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"72401","tags":null,"has_narrative":true,"complaint_id":"9986449","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2024-09-01T08:10:49.000Z","state":"AR","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["My chime card was stolen, and <em>charges</em> were made fraudulently on my <em>account</em>. I filed a dispute with chime, but I still have not received my funds. I'm writing this complaint requesting that this claim be governed for constructive fraud with this company."],"product":["Checking or savings <em>account</em>"],"issue":["Problem with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[14.738092,"9986449"]},{"_index":"complaint-public-v1","_id":"9986344","_score":14.738092,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, an unauthorized interbank transfer was made from my XXXX XXXX XXXX  account to a company called \" XXXX XXXX '' located at XXXX XXXX XXXX, New York, NY. Additionally, I found that other insurance accounts were also compromised on the same date. It seems that the identity thief or hacker might be an internal customer of XXXX XXXX XXXX XXXX XXXX XXXX  I am requesting an immediate refund of the {$25.00} to my account and asking the bank 's IT department to implement additional security measures to prevent illegal internal bank hacking across customers ' accounts nationwide.","date_sent_to_company":"2024-08-29T03:47:41.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"9986344","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2024-08-29T03:40:11.000Z","state":"KY","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["On XX/XX/year>, an unauthorized interbank transfer was made from my XXXX XXXX XXXX  <em>account</em> to a company called \" XXXX XXXX '' located at XXXX XXXX XXXX, New York, NY. Additionally, I found that <em>other</em> insurance <em>accounts</em> were also compromised on the same date."],"product":["Checking or savings <em>account</em>"],"issue":["Problem with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[14.738092,"9986344"]},{"_index":"complaint-public-v1","_id":"9983022","_score":14.738092,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/XXXX, as if I've yet to discover the company or web XXXX that's allowing this illegal activity of payment of funds. It continues to happen for testing and knowledgeable measures, which is unfair. It's unfair due to noticeability. If I don't notice it or seek corrections, they won't give the money back and accept it as a commissioned payment. \nXXXX XXXX, XXXX, I had a XXXX XXXX XXXX  connected to my Truist bank card. I moved out of the storage unit on the forementioned date. There were previous acts to prevent the payment, like stop payment fee but, they ( the employee in management ) still allowed the payment to go through because of their personal relationships with vendors and intergovernmental affairs before being employed by Truist. A claim was filed, the money was returned, XXXX. Same thing XX/XX/XXXX, different vendor XXXX XXXX, almost the same amount of money XXXX, it was XXXX, the money was returned XX/XX/XXXX, XXXX. \nThe XXXX XXXX XXXX  must be completely disconnected. If not, this will fester into involuntary servitude. I have been engaged by a government agency sharing practice for use of politics and personal gain. Which is why I do not manage the account by the internet. Aggressive control methods are used with intergovernmental affairs and, it could cause a style of fighting which could render me helpless, in physical dangers and risk by criminals related to these agents, that are involved with organized XXXX, XXXX XXXXXXXX XXXX XXXX XXXX","date_sent_to_company":"2024-09-01T20:04:01.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"27406","tags":null,"has_narrative":true,"complaint_id":"9983022","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2024-09-01T19:00:43.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Money was taken from your account on the wrong day or for the wrong amount"},"highlight":{"complaint_what_happened":["Which is why I do not manage the <em>account</em> by the internet. Aggressive control methods are used with intergovernmental affairs and, it could cause a style of fighting which could render me helpless, in physical dangers and risk by criminals related to these agents, that are involved with organized XXXX, XXXX XXXXXXXX XXXX XXXX XXXX"],"product":["Checking or savings <em>account</em>"],"issue":["Problem with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em>"],"sub_product":["Checking <em>account</em>"],"sub_issue":["Money was taken from <em>your</em> <em>account</em> on the wrong day or for the wrong amount"]},"sort":[14.738092,"9983022"]},{"_index":"complaint-public-v1","_id":"9982900","_score":14.738092,"_source":{"product":"Checking or savings account","complaint_what_happened":"State Employee Credit Union in XXXX of this year allowed over {$1000.00} to be with drawn for XXXX charges I did not make. The bank did not return funds until after a complaint to CFPB was done ( over XXXX weeks and daily attempts to contact ). This has happened again!! Over {$400.00} since XX/XX/XXXX has been with drawn, and XXXX again lack concern or care. I was contacted, and charges were not flagged yet again! XXXX was opening a case, however this needs to be expedited and handled. This is the same merchant, same types of charges. XXXX {$100.00}, XXXX {$53.00}, XXXX {$21.00} How are they not flagged or a consumer contacted confirming unfamiliar repetitive activity! I am not waiting XXXX weeks for the lack of empathy and care, and the banks negligence at monitoring transactions.","date_sent_to_company":"2024-08-30T12:37:58.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"27560","tags":null,"has_narrative":true,"complaint_id":"9982900","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"STATE EMPLOYEES CREDIT UNION","date_received":"2024-08-30T12:29:07.000Z","state":"NC","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["State Employee Credit Union in XXXX of this year allowed over {$1000.00} to be with drawn for XXXX <em>charges</em> I did not make. The bank did not return funds until after a complaint to CFPB was done ( over XXXX weeks and daily attempts to contact ). This has happened again!! Over {$400.00} since XX/XX/XXXX has been with drawn, and XXXX again lack concern or care. I was contacted, and <em>charges</em> were not flagged yet again! XXXX was opening a case, however this needs to be expedited and handled."],"product":["Checking or savings <em>account</em>"],"issue":["Problem with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[14.738092,"9982900"]},{"_index":"complaint-public-v1","_id":"9973363","_score":14.738092,"_source":{"product":"Checking or savings account","complaint_what_happened":"Hello, on XXXX I was attending my sisters wedding and reception in XXXX, IL. During the reception I received a chase fraud text alert for the amount of {$150.00} at XXXX, i immediately responded NO to it and my card was cancelled, I then check my chase app and realize that payments before that went through : XXXX for {$150.00} for XXXX XXXX XXXX XXXX IN XXXX XXXX for {$150.00} XXXX # XXXX XXXX IN XXXX XXXX for {$150.00} at XXXX # XXXX XXXX IN and {$150.00} for XXXX # XXXX Colombus IN. \nThe following day I called Chase and since the payments were made electronically I had to make a new log in for the Chase app. \nXXXX Chase sent me a letter stating charges were authorized. I called Chase multiple times and was informed to submit proof that I did not make those purchases, any proof I could that could not place me in IN that night, I sent in pics from the reception, text or the fraud text alert, pic of my XXXXXXXX XXXX history On XXXX I was informed that the charges were found to be authorized and the claim cant be re opened without additional proof. \n\nI have no other proof at the point to send in, Im frustrated and feel like theres nothing I can do after being a victim of fraud.","date_sent_to_company":"2024-08-31T23:53:39.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"60504","tags":null,"has_narrative":true,"complaint_id":"9973363","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-08-31T23:36:54.000Z","state":"IL","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I have no <em>other</em> proof at the point to send in, Im frustrated and feel like theres nothing I can do after being a victim of fraud."],"product":["Checking or savings <em>account</em>"],"issue":["Problem with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[14.738092,"9973363"]},{"_index":"complaint-public-v1","_id":"9963033","_score":14.738092,"_source":{"product":"Checking or savings account","complaint_what_happened":"I filed multiple disputes with SoFi because someone had stolen money out my account. These people have taken like XXXX dollars out of my account. I filed the dispute XX/XX/year>. The next day SoFi sends an email that they found no errors and the claim is being closed. I tried filling an appeal, they did not want to use the document for me to file an appeal. Out of all the money that was taken from me, SoFi only credit me XXXX dollars. I feel that SoFi did not do a proper investigation. I am very disappointed at this company. How do you only credit XXXX? How are you done investigating not even XXXX hours after filing the dispute. It does not make sense.","date_sent_to_company":"2024-08-30T05:55:01.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"77070","tags":null,"has_narrative":true,"complaint_id":"9963033","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SOFI TECHNOLOGIES, INC.","date_received":"2024-08-30T04:35:43.000Z","state":"TX","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I filed multiple disputes with SoFi because someone had stolen money out my <em>account</em>. These people have taken like XXXX dollars out of my <em>account</em>. I filed the dispute XX/XX/year>. The next day SoFi sends an email that they found no errors and the claim is being closed. I tried filling an appeal, they did not want to use the document for me to file an appeal. Out of all the money that was taken from me, SoFi only credit me XXXX dollars. I feel that SoFi did not do a proper investigation."],"product":["Checking or savings <em>account</em>"],"issue":["Problem with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[14.738092,"9963033"]},{"_index":"complaint-public-v1","_id":"9961952","_score":14.738092,"_source":{"product":"Checking or savings account","complaint_what_happened":"I reached out to my bank on XX/XX/XXXX to inquire about a dispute that was taken out of my account in the amount of {$100.00}. I informed them that I was not sure why this was being taken out of my account and that I did not recognize the transfer that was originally made on XX/XX/XXXX until I investigated further and found out this was made unauthorized by another individual to themselves from my account. \n\nIt is under my impression that under regulation E that unauthorized transactions are eligible for disputes even if they involve institutions such as XXXX I was repeatedly told that they could not assist me as I authorized my initial transaction even though Im explaining to them it was not authorized. \n\nAfter arguing with me and stating that they have been on the phone with me for 45 minutes and theres nothing more they can assist me with. I asked to speak with a supervisor. I was first told that they would not speak with me as they would be repeating themselves. After insisting they finally transfered me and said they could not assist me either and refused to file a claim for me.","date_sent_to_company":"2024-08-30T06:41:48.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Other banking product or service","zip_code":"92595","tags":null,"has_narrative":true,"complaint_id":"9961952","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-08-30T06:29:53.000Z","state":"CA","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I reached out to my bank on XX/XX/XXXX to inquire about a dispute that was taken out of my <em>account</em> in the amount of {$100.00}. I informed them that I was not sure why this was being taken out of my <em>account</em> and that I did not recognize the transfer that was originally made on XX/XX/XXXX until I investigated further and found out this was made unauthorized by another individual to themselves from my <em>account</em>."],"product":["Checking or savings <em>account</em>"],"issue":["Problem with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em>"],"sub_product":["<em>Other</em> banking product or service"]},"sort":[14.738092,"9961952"]},{"_index":"complaint-public-v1","_id":"9960999","_score":14.738092,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Unauthorized Charges on Checking Account and Denial of Claim by Capital One To Whom It May Concern : I am writing to file a formal complaint against Capital One regarding unauthorized charges made to my checking account, which amounted to upwards of {$400.00}. I did not authorize these transactions. \n\nOn XX/XX/year>, I received a fraud notification from Capital One alerting me to these unauthorized charges. I immediately reported the issue to Capital One and disputed the transactions within less than two business days of learning about them. \n\nDespite my prompt action and clear communication that these charges were not authorized, Capital One denied my claim. I believe this decision is unjust, as I have followed all proper procedures and reported the fraud as soon as it was brought to my attention. \n\nI am requesting the Consumer Financial Protection Bureau 's assistance in getting my funds returned and holding Capital One accountable for their responsibility to protect consumers against unauthorized transactions. \n\nI have attached relevant documentation, including my communication with Capital One and their response to my dispute. \n\nThank you for your time and attention to this matter.","date_sent_to_company":"2024-08-29T01:34:45.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"07203","tags":null,"has_narrative":true,"complaint_id":"9960999","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-08-29T01:09:48.000Z","state":"NJ","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Thank you for <em>your</em> time and attention to this matter."],"product":["Checking or savings <em>account</em>"],"issue":["Problem with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[14.738092,"9960999"]},{"_index":"complaint-public-v1","_id":"9956508","_score":14.738092,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX, I contacted An XXXX claim specialist who stated this situation doesnt qualify as a claim they said I had three days to file a complaint with them, I submitted documents as requested and I still havent heard anything -I submitted a power of attorney document -a screenshot of when I closed my mothers account with XXXX because my mother was deceased. \nThey continue to withdraw money from her account and shes deceased, which is a Financial crime.","date_sent_to_company":"2024-08-29T16:58:23.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"28227","tags":null,"has_narrative":true,"complaint_id":"9956508","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-08-29T16:29:25.000Z","state":"NC","company_public_response":null,"sub_issue":"Can't stop withdrawals from your account"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, I contacted An XXXX claim specialist who stated this situation doesnt qualify as a claim they said I had three days to file a complaint with them, I submitted documents as requested and I still havent heard anything -I submitted a power of attorney document -a screenshot of when I closed my mothers <em>account</em> with XXXX because my mother was deceased. \nThey continue to withdraw money from her <em>account</em> and shes deceased, which is a Financial crime."],"product":["Checking or savings <em>account</em>"],"issue":["Problem with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em>"],"sub_product":["Checking <em>account</em>"],"sub_issue":["Can't stop withdrawals from <em>your</em> <em>account</em>"]},"sort":[14.738092,"9956508"]},{"_index":"complaint-public-v1","_id":"9951201","_score":14.738092,"_source":{"product":"Checking or savings account","complaint_what_happened":"In XXXX, I called Capital One to inform them that I wanted to revoke XXXX authorization to XXXX, XXXX and block them from future withdrawals. XXXX, XXXX was notified of this weeks prior. Capital One issued a provisional credit for {$310.00}. Later they reversed this credit stating that they completed their investigation and considered the matter closed. \n\nAuthorization to the merchant was revoked. They were blocked. That money should be returned to my account. A consumer has the right to revoke authorization at any time with ample notice to the merchant and bank and yet Capital One refused to do so.","date_sent_to_company":"2024-08-28T15:23:53.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"29732","tags":null,"has_narrative":true,"complaint_id":"9951201","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-08-28T15:13:40.000Z","state":"SC","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["That money should be returned to my <em>account</em>. A consumer has the right to revoke authorization at any time with ample notice to the merchant and bank and yet Capital One refused to do so."],"product":["Checking or savings <em>account</em>"],"issue":["Problem with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[14.738092,"9951201"]},{"_index":"complaint-public-v1","_id":"9949138","_score":14.738092,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year> a wire transfer was made out of my account to an individual I do not know to a bank Im not familiar with and I did not authorize. I tried to get information from E*trade customer service who would not put me through to a manager and told me my money would not be refunded, total of {$1500.00}. Said they would put in a request for manager to call - to this date almost 2 months later, no call. I did not authorize this transaction and E*Trade is further victimizing the victim. Their website states they refund unauthorized transactions, apparently they engage in false advertising as well. \nThe only action theyve taken was to close that account and open another. \nIve filed a complaint with XXXX  who informed me they contacted E*trade three times and received no response.","date_sent_to_company":"2024-08-28T16:38:54.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"33463","tags":"Older American","has_narrative":true,"complaint_id":"9949138","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MORGAN STANLEY & CO. LLC","date_received":"2024-08-28T16:16:58.000Z","state":"FL","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["The only action theyve taken was to close that <em>account</em> and open another. \nIve filed a complaint with XXXX  who informed me they contacted E*trade three times and received no response."],"product":["Checking or savings <em>account</em>"],"issue":["Problem with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[14.738092,"9949138"]},{"_index":"complaint-public-v1","_id":"9948011","_score":14.738092,"_source":{"product":"Checking or savings account","complaint_what_happened":"Basically there was an unauthorized transaction with the company named XXXX. The transaction was on XXXX and Chime was informed of this issue and I even tried to get ahold of XXXX  over the phone for the amount of XXXX. Originally Chime issued the credit investigation stage and then they reversed with no proof of evidence or anything to support their decision. I even sent proof of me trying to get in contact with XXXX  and no answer back from them. This transaction isn't valid and fraud and the fdic should protect us from these type of transactions without real answers or support.","date_sent_to_company":"2024-08-28T22:29:22.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"93063","tags":null,"has_narrative":true,"complaint_id":"9948011","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2024-08-28T22:14:45.000Z","state":"CA","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"product":["Checking or savings <em>account</em>"],"issue":["Problem with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[14.738092,"9948011"]},{"_index":"complaint-public-v1","_id":"9947136","_score":14.738092,"_source":{"product":"Checking or savings account","complaint_what_happened":"Around early XXXX, I found out that XXXX fraudulent charges including foreign exchange rate fees were made on my Chase debit card. They were all foreign charges from the same vender, XXXX XXXX XXXX XXXX XXXX, totaled up to be around {$200.00}. As soon as I noticed this, I went to Chase bank in person to resolve it. An agent at the desk helped me with filing a complaint and processing the refund. However, today, I found out all XXXX fraudulent charges went through. I called Chase customer service and they said the claim was denied because they couldnt find evidence to prove that it was fraudulent so they had allowed the charges. But these are all foreign charges and that itself should prove that its fraudulent.","date_sent_to_company":"2024-08-29T02:23:32.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"90020","tags":null,"has_narrative":true,"complaint_id":"9947136","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-08-29T01:50:16.000Z","state":"CA","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I called Chase customer service and they said the claim was denied because they couldnt find evidence to prove that it was fraudulent so they had allowed the <em>charges</em>. But these are all foreign <em>charges</em> and that itself should prove that its fraudulent."],"product":["Checking or savings <em>account</em>"],"issue":["Problem with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[14.738092,"9947136"]},{"_index":"complaint-public-v1","_id":"9934192","_score":14.738092,"_source":{"product":"Checking or savings account","complaint_what_happened":"I recently found out about a lot of transactions on my card that were charged by different merchants and companies through online. I do not recognize any of these charges. I have filed a claim with Bank of America with the XXXX XXXX XXXX XXXX It was filed on XX/XX/year>. The total charges amounted to {$6700.00}. They closed the claim on XX/XX/year> without any explanation. There were i believe 3 merchants that were involved. Bank of America didn't provide any information on these merchants, did not provide me any evidence of the transaction, and just closed my claims without any explanation or letter. I don't know what else to do.","date_sent_to_company":"2024-08-27T21:12:19.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"29410","tags":null,"has_narrative":true,"complaint_id":"9934192","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-08-27T21:05:07.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I do not recognize any of these <em>charges</em>. I have filed a claim with Bank of America with the XXXX XXXX XXXX XXXX It was filed on XX/XX/year>. The total <em>charges</em> amounted to {$6700.00}. They closed the claim on XX/XX/year> without any explanation. There were i believe 3 merchants that were involved. Bank of America didn't provide any information on these merchants, did not provide me any evidence of the transaction, and just closed my claims without any explanation or letter."],"product":["Checking or savings <em>account</em>"],"issue":["Problem with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[14.738092,"9934192"]},{"_index":"complaint-public-v1","_id":"9927601","_score":14.738092,"_source":{"product":"Checking or savings account","complaint_what_happened":"I authorized ACH transfers from my account. The bank entered two of those transfers twice resulting in an artificially low balance in my account. Later transfers and payments would thus be declined as insufficient funds were reflected in the account for such payments, all resulting in fees/penalties from the payees.\n\nThe bank stated that it was aware of the issue and was trying to address it, but could not say when it would be solved and would not take any action to specifically address the deficiency in my account or prevent the consequences. \n\nThe bank told me I should put more money in the account to cover the pending payments that would otherwise be rejected due to the artificially low balance.","date_sent_to_company":"2024-08-26T18:22:01.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"94123","tags":null,"has_narrative":true,"complaint_id":"9927601","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MORGAN STANLEY & CO. LLC","date_received":"2024-08-26T18:11:03.000Z","state":"CA","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":["I authorized ACH transfers from my <em>account</em>. The bank entered two of those transfers twice resulting in an artificially low balance in my <em>account</em>. Later transfers and payments would thus be declined as insufficient funds were reflected in the <em>account</em> for such payments, all resulting in fees/penalties from the payees."],"product":["Checking or savings <em>account</em>"],"issue":["Problem with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em>"],"sub_product":["Checking <em>account</em>"],"sub_issue":["Money was taken from <em>your</em> <em>account</em> on the wrong day or for the wrong amount"]},"sort":[14.738092,"9927601"]},{"_index":"complaint-public-v1","_id":"9926507","_score":14.738092,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/year> {$XXXX} XXXX XXXX fraudulently charged a membership fee and proceeded to withdraw funds from XXXX Account without my permission. \n\n\n\nI proceeded to contact the customer service agent and escalated the issue to the supervisor to no avail. I was in contact with them for 4 hours, and proceeded to be transferred to multiple times each time having to reiterate the same issue. I even contacted my bank and provided a transaction id to no avail. XXXX XXXX began making discriminatory remarks, even after providing my name XXXX XXXX, XXXX XXXX continued making derogatory remarks calling me Latravis. They proceeded to apologize and I thought nothing of it. Thats when support staff continued to make underhanded comments regarding race and ethnicity. \n\nAt this point I didn't know where to go, I am aware {$XXXX} isn't a substantial amount of money but I am a college student so things begin to add up.","date_sent_to_company":"2024-08-26T20:03:03.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"11203","tags":null,"has_narrative":true,"complaint_id":"9926507","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Albert Corporation","date_received":"2024-08-26T19:44:37.000Z","state":"NY","company_public_response":"Company believes the complaint provided an opportunity to answer consumer's questions","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["XX/XX/year> {$XXXX} XXXX XXXX fraudulently charged a membership fee and proceeded to withdraw funds from XXXX <em>Account</em> without my permission. \n\n\n\nI proceeded to contact the customer service agent and escalated the issue to the supervisor to no avail. I was in contact with them for 4 hours, and proceeded to be transferred to multiple times each time having to reiterate the same issue. I even contacted my bank and provided a transaction id to no avail."],"product":["Checking or savings <em>account</em>"],"issue":["Problem with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[14.738092,"9926507"]},{"_index":"complaint-public-v1","_id":"9925184","_score":14.738092,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX, XXXX unauthorized transfers were made without my consent. The first was a a {$8500.00} transfer from Saving to Checking within Wells Fargo, and the second was a {$11000.00} Wire transfer to an outside bank account. I called immediately when I got an alert. Wells Fargo asked for a letter from my cell phone provider and phone records and I provided them on XX/XX/scrub> 2024. I submitted the following letter and supporting documentation and followed up with an email in the Wells Fargo email system XXXX weeks later asking for an update. Wells Fargo has yet to respond.","date_sent_to_company":"2024-08-26T22:06:49.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"80130","tags":null,"has_narrative":true,"complaint_id":"9925184","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-08-26T21:43:58.000Z","state":"CO","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":["The first was a a {$8500.00} transfer from Saving to Checking within Wells Fargo, and the second was a {$11000.00} Wire transfer to an outside bank <em>account</em>. I called immediately when I got an alert. Wells Fargo asked for a letter from my cell phone provider and phone records and I provided them on XX/XX/scrub> 2024. I submitted the following letter and supporting documentation and followed up with an email in the Wells Fargo email system XXXX weeks later asking for an update."],"product":["Checking or savings <em>account</em>"],"issue":["Problem with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[14.738092,"9925184"]},{"_index":"complaint-public-v1","_id":"9924259","_score":14.738092,"_source":{"product":"Checking or savings account","complaint_what_happened":"There was fraud on my account and they refused to cover it. It happened on XX/XX/year>","date_sent_to_company":"2024-08-26T23:45:42.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"48228","tags":null,"has_narrative":true,"complaint_id":"9924259","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-08-26T23:31:45.000Z","state":"MI","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["There was fraud on my <em>account</em> and they refused to cover it. It happened on XX/XX/year>"],"product":["Checking or savings <em>account</em>"],"issue":["Problem with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[14.738092,"9924259"]},{"_index":"complaint-public-v1","_id":"9923855","_score":14.738092,"_source":{"product":"Checking or savings account","complaint_what_happened":"Many years ago, I authorized the XXXX (? ) insurance company to initiate XXXX debits of {$90.00} from my savings account on XXXX, XXXX, XXXX and XXXX for XXXX XXXX XXXX insurance. \n\nI barely use this account and I forgot about these infrequent debits, so the XXXX debit on XX/XX/year> failed and I got charged an NSF fee. \n\nI then received an e-mail from XXXX XXXX XXXX that basically said - pay {$90.00} + {$3.00} manual billing fee by XX/XX/year>, or we'll cancel your insurance. \n\nI have never heard about XXXX XXXX XXXX and I chose to ACCEPT their offer/terms by NOT making a payment and stopping this insurance. Besides, in the age of scammers, it is dangerous to contact them and give them payment information. \n\nThey initiated another debit of {$90.00} on XX/XX/year>, which failed and resulted in more NSF fees. And send me another e-mail that basically says \" Oh, we changed our mind, if you pay {$93.00} you can have your coverage back ''. \n\nLet 's play XXXX 's advocate for a second. If the {$90.00} debit had gone through, would I know if I have insurance? Because their letter did say - pay {$93.00} via check or on our website by XX/XX/year> or we'll cancel you. And {$90.00} is less than {$93.00} and another {$90.00} for the next period would have been due. If I can't figure out what the {$90.00} debit is for, I could NOT have possibly authorized it, just like I didn't authorize a debit for an arbitrary other amount for uncertain purpose. Furthermore, the company who is initiating the debits is unfamiliar and NOT an insurance company and I never authorized THEM to issue debits. I can't be sure that my money is going to the right place and/or how to file an insurance claim. \n\nApparently, they feel that they can issue arbitrary debits for arbitrary reasons, which feels like an extortionate threat. \n\nI allege that : - they failed to properly inform me of the change of insurer, contact information, practices, etc ; I never authorized anyone, but the original insurer, to initiate debits ; those are material changes and my contract should be voidable at my option all the way back to the original change- the XX/XX/year>, debit was unauthorized and contrary to their letter/offer- the single unauthorized debit constitutes attempted theft and wire fraud - the pattern of mail fraud by XXXX co-conspirators, who benefit from it : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX San Diego County Credit Union XXXX XXXX XXXX, who marketed me this insurance and benefits form NSF fees and kickbacks ) ; may constitute racketeering under federal XXXX statutes ( subject to treble damages over many years and many victims )","date_sent_to_company":"2024-08-25T06:19:48.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Savings account","zip_code":"95969","tags":null,"has_narrative":true,"complaint_id":"9923855","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SAN DIEGO COUNTY CREDIT UNION","date_received":"2024-08-25T04:40:46.000Z","state":"CA","company_public_response":null,"sub_issue":"Can't stop withdrawals from your account"},"highlight":{"complaint_what_happened":[") insurance company to initiate XXXX debits of {$90.00} from my savings <em>account</em> on XXXX, XXXX, XXXX and XXXX for XXXX XXXX XXXX insurance. \n\nI barely use this <em>account</em> and I forgot about these infrequent debits, so the XXXX debit on XX/XX/year> failed and I got charged an NSF fee. \n\nI then received an e-mail from XXXX XXXX XXXX that basically said - pay {$90.00} + {$3.00} manual billing fee by XX/XX/year>, or we'll cancel <em>your</em> insurance."],"product":["Checking or savings <em>account</em>"],"issue":["Problem with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em>"],"sub_product":["Savings <em>account</em>"],"sub_issue":["Can't stop withdrawals from <em>your</em> <em>account</em>"]},"sort":[14.738092,"9923855"]},{"_index":"complaint-public-v1","_id":"9903067","_score":14.738092,"_source":{"product":"Checking or savings account","complaint_what_happened":"My phone and wallet was stolen and my account was compromised so i contacted chime to start my dispute process. Within 2 days, my claims totaling {$900.00} that were totally UNAUTHORIZED was denied. I just reopened my dispute case and i want and need provisional credits. Not only did the customer representative not put down the right things i said on my claim, they didnt add my police report either. I just want access to funds and have a fair case. Please provide me with provisional credits also because i am a victim.","date_sent_to_company":"2024-08-23T10:16:41.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"77459","tags":null,"has_narrative":true,"complaint_id":"9903067","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2024-08-23T10:07:29.000Z","state":"TX","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["My phone and wallet was stolen and my <em>account</em> was compromised so i contacted chime to start my dispute process. Within 2 days, my claims totaling {$900.00} that were totally UNAUTHORIZED was denied. I just reopened my dispute case and i want and need provisional credits. Not only did the customer representative not put down the right things i said on my claim, they didnt add my police report either. I just want access to funds and have a fair case."],"product":["Checking or savings <em>account</em>"],"issue":["Problem with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[14.738092,"9903067"]},{"_index":"complaint-public-v1","_id":"9899390","_score":14.738092,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX, I saw about 3-5 transactions from a company named XXXX on my TD Bank account, knowing I did not make these payments I called the bank instantly before these transactions cleared. The bank marked my card as a fraud and said they had locked it, however that wasnt the case. Moments after this call I watched the transactions continue, however from the call to the bank they told me that I couldnt do anything until they cleared, that after the transactions cleared I would have to go to the bank to finish the report. On XX/XX/XXXX the transactions continued. There is XXXX transactions with a total of XXXX dollars and the bank considers that I benefited from these transactions and have denied my 3 reports all because they sent a message or called and they claimed I answered meanwhile I never answered the message. I am very frustrated because I called with time and the bank didnt their job in securing my money and I need my money back that was my college fund and it is now gone.","date_sent_to_company":"2024-08-23T19:21:35.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"07501","tags":null,"has_narrative":true,"complaint_id":"9899390","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2024-08-23T19:07:05.000Z","state":"NJ","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, I saw about 3-5 transactions from a company named XXXX on my TD Bank <em>account</em>, knowing I did not make these payments I called the bank instantly before these transactions cleared. The bank marked my card as a fraud and said they had locked it, however that wasnt the case."],"product":["Checking or savings <em>account</em>"],"issue":["Problem with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[14.738092,"9899390"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":45202,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":26004},{"key":0,"key_as_string":"false","doc_count":19198}]}},"product":{"doc_count":26004,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":22747,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":19992},{"key":"Other banking product or service","doc_count":1816},{"key":"Savings 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