{"took":105,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":226,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"14037427","_score":17.145216,"_source":{"product":"Credit card","complaint_what_happened":"RE : Conditional Acceptance of Credit Denial & Legal Notice of Breach Application ID : XXXX To Whom It XXXX Concern, As a consumer and natural person, I, XXXX XXXX, submitted my application in good faith for the XXXX XXXX XXXX XXXX. However, your denial of credit access, after having reviewed my personal and trust credentials, constitutes multiple violations under trust law, fiduciary standards, and federal consumer protection statutes. \n\nI. Conditional Acceptance of Denial Trust Law and Fiduciary Duty By submitting my application, you were granted limited access to the Cestui Que Trust, of which I am the lawful beneficiary. Denial of credit access after utilizing or reviewing trust assets constitutes : Breach of fiduciary duty Trust fraud Malfeasance of office I hereby conditionally accept your denial only upon receipt of the following disclosures : 1. Fiduciary Disclosures Required : Off-Ledger Trust Account Statement detailing Cestui Que Trust credits accessed or reviewed by your institution.\n\nOff-Balance Sheet Disclosure proving that insufficient resources justified your denial.\n\nIncome Verification Report documenting your internal review process and your basis for claiming unverifiable income.\n\nII. Violations of Federal Law Adverse Action You are hereby placed on notice that your conduct further violates federal statutes including, but not limited to : 15 U.S.C. 1691c Failure to properly manage adverse action under the Equal Credit Opportunity Act 15 U.S.C. 1692k Civil liability due to procedural failure 15 U.S.C. 1642 Unauthorized use of consumer credit identity 15 U.S.C. 1681m Failure to provide compliant adverse action notification 12 C.F.R. 1002 ( Regulation B ) Unfair or discriminatory credit practices 15 U.S.C. 1602 ( l ) Defining the Social Security Number as a form of credit card under the Truth in Lending Act Your use of my Social Security Number, legally defined as a credit card, without extending credit constitutes fraudulent usage and a breach of lawful access.\n\nPursuant to 15 U.S.C. 1681n and 1681o, I reserve the right to pursue civil damages of {$1000.00} per violation, plus legal fees and injunctive relief.","date_sent_to_company":"2025-06-12T19:31:53.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"85297","tags":"Servicemember","has_narrative":true,"complaint_id":"14037427","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-06-12T17:05:20.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["<em>credit</em> practices 15 U.S.C. 1602 ( l ) Defining the Social Security Number as a form of <em>credit</em> <em>card</em> under the Truth in Lending Act <em>Your</em> use of my Social Security Number, legally defined as a <em>credit</em> <em>card</em>, without extending <em>credit</em> constitutes fraudulent usage and a breach of lawful access."],"product":["<em>Credit</em> <em>card</em>"],"issue":["Getting a <em>credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[17.145216,"14037427"]},{"_index":"complaint-public-v1","_id":"11343091","_score":17.143772,"_source":{"product":"Credit card","complaint_what_happened":"Dear CFPB Representative, I am writing to file a formal complaint regarding my experience with Chase Bank 's Visa Freedom credit card billing system. The lack of transparency and inconsistent information presented on their website has made it difficult for me to manage my account and understand the amount due.\n\nDescription of the Issue : 1. The Chase Freedom credit card website does not provide a clear breakdown of charges that contribute to the amount due displayed on the homepage. The sites interface offers no straightforward way to identify or confirm which specific expenses make up the total amount due.\n\n2. Upon contacting customer service via the phone number listed on the card, I was advised to access the invoice section of the website to view the charges. However, the amount shown on the invoice is inconsistent with the amount listed on the homepage, adding to the confusion.\n\n3. Despite seeking clarification from customer service, the issue remains unresolved, leaving me with no confidence in the accuracy or transparency of the billing process.\n\nImpact : This lack of clarity and consistency has created significant difficulties in managing my account. It undermines trust in Chase Banks ability to provide accurate and transparent billing information. As a result, I have discontinued using the card in favor of a competitors card with a more user-friendly and transparent billing system.\n\nDesired Resolution : I respectfully request that the CFPB investigate the following : Why Chase Banks credit card billing system fails to provide a clear and accessible breakdown of charges contributing to the amount due.\n\nWhy the amount listed on the homepage differs from the amount shown on the invoice.\n\nWhether improvements can be made to Chase Banks website and billing practices to ensure accuracy, transparency, and ease of use for consumers.\n\nI believe this issue raises concerns about compliance with federal credit card billing standards and the clarity required under the CARD Act.\n\nThank you for your attention to this matter. I trust that your investigation will help bring about the necessary changes to protect consumers like myself. Please feel free to contact me should you require additional information or documentation. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-01-07T16:35:52.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"93436","tags":"Older American","has_narrative":true,"complaint_id":"11343091","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-01-01T21:36:59.000Z","state":"CA","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["I believe this issue raises concerns about compliance with federal <em>credit</em> <em>card</em> billing standards and the clarity required under the <em>CARD</em> Act.\n\nThank you for <em>your</em> attention to this matter. I <em>trust</em> that <em>your</em> investigation will help bring about the necessary changes to protect consumers like myself. Please feel free to contact me should you require additional information or documentation. \nSincerely, XXXX XXXX XXXX"],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[17.143772,"11343091"]},{"_index":"complaint-public-v1","_id":"9435895","_score":16.550447,"_source":{"product":"Debt collection","complaint_what_happened":"I received this credit card during my XXXX XXXX XXXX XXXX. As a responsible individual regarding financial matters, I diligently used the card for necessary expenses related to my education. However, I encountered several issues that have caused significant distress and financial burden. Firstly, there were multiple instances where my card was charged twice for the same purchase. Despite promptly addressing these discrepancies and consistently making timely payments, the payments were not accurately reflected in my statements. As a result, I requested a payment plan to manage my balance better. Unfortunately, the process of obtaining a payment plan was exceedingly prolonged, taking several months. Once the payment plan was established, I experienced persistent harassment from your representatives, who frequently called me before XXXX XXXX causing undue stress and XXXX Furthermore, my initial balance of approximately {$600.00} inexplicably increased to nearly {$1000.00}, despite my efforts to manage and pay off the debt. I believe that as a naive XXXX XXXX I was taken advantage of, and I feel that the treatment I received was unfair and unjust. I request a thorough investigation into my account and a detailed explanation of the charges and interest accrued. Additionally, I seek rectification of any erroneous charges and a fair resolution to reduce the undue financial burden that has been placed upon me. I trust that you will address this matter with the urgency and attention it warrants. I look forward to your prompt response and a satisfactory resolution. Thank you for your time and understanding.","date_sent_to_company":"2024-07-05T19:51:42.000Z","issue":"Communication tactics","sub_product":"Credit card debt","zip_code":"77016","tags":null,"has_narrative":true,"complaint_id":"9435895","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2024-07-05T19:31:30.000Z","state":"TX","company_public_response":null,"sub_issue":"Called before 8am or after 9pm"},"highlight":{"complaint_what_happened":["I <em>trust</em> that you will address this matter with the urgency and attention it warrants. I look forward to <em>your</em> prompt response and a satisfactory resolution. Thank you for <em>your</em> time and understanding."],"sub_product":["<em>Credit</em> <em>card</em> debt"]},"sort":[16.550447,"9435895"]},{"_index":"complaint-public-v1","_id":"6807790","_score":16.390078,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Dear Chase Customer Service, I am writing to express my dissatisfaction with the service I have received from Chase Bank. I have been a customer for one year and four months and have maintained a checking and savings account with your bank during this time.\n\nRecently, I applied for a new credit card with Chase Bank. However, I have been repeatedly told that I do not hold an account long enough to be eligible for the credit card. This has made me feel extremely uncomfortable and has left me wondering if Chase Bank values its customers.\n\nI am disappointed that after being a loyal customer for over a year, I am being denied access to a credit card that would provide me with financial benefits. This not only undermines my trust in Chase Bank but also hinders my ability to manage my finances effectively.\n\nI would like to request that you review your policies and processes for credit card eligibility and make them more transparent and fair. I also request that you provide me with a valid explanation for why I am being denied a credit card despite being a customer for over a year. I hope that this issue can be resolved promptly and that you will take necessa\nry steps to improve the level of service you provide to your customers. \n\nSincerely, XXXX","date_sent_to_company":"2023-04-08T03:19:07.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"10065","tags":null,"has_narrative":true,"complaint_id":"6807790","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-04-08T03:13:43.000Z","state":"NY","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["I am disappointed that after being a loyal customer for over a year, I am being denied access to a <em>credit</em> <em>card</em> that would provide me with financial benefits. This not only undermines my <em>trust</em> in Chase Bank but also hinders my ability to <em>manage</em> my finances effectively.\n\nI would like to request that you review <em>your</em> policies and processes for <em>credit</em> <em>card</em> eligibility and make them more transparent and fair."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["Getting a <em>credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[16.390078,"6807790"]},{"_index":"complaint-public-v1","_id":"12700297","_score":15.600583,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint regarding my experience with Barclays Priceline Credit Card, specifically concerning their handling of overdue payment notifications and its impact on my credit report. \n\nOn XX/XX/year>, I discovered that Barclays Priceline Credit Card failed to notify me of an overdue payment, which subsequently tarnished my credit reputation. Despite being a responsible consumer, I was blindsided by this derogatory mark on my credit report due to their failure to communicate effectively. \n\nMoreover, the usability of Barclays Priceline Credit Card 's website has been abysmal, making it extremely challenging to manage my account and payments. This unfriendly interface compounded my difficulties in staying current with payments, despite my efforts to do so. \n\nI request that Barclays Priceline Credit Card rectify this situation by contacting the credit bureaus to remove any negative notifications caused by their oversight and subpar customer service. It is unfair that my creditworthiness has been compromised due to their shortcomings in notification and website usability. \n\nEnclosed are copies of relevant documents, including my credit report showing the negative impact and any correspondence with Barclays Priceline Credit Card regarding this matter. \n\nI trust that the Consumer Financial Protection Bureau will investigate this issue thoroughly and ensure that appropriate measures are taken to resolve it. Please keep me informed of any actions taken in response to this complaint. \n\nThank you for your attention to this matter. I look forward to your prompt response. \n\nSincerely, XXXX","date_sent_to_company":"2025-03-27T21:42:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85743","tags":"Older American","has_narrative":true,"complaint_id":"12700297","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2025-03-27T21:26:07.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Enclosed are copies of relevant documents, including my <em>credit</em> report showing the negative impact and any correspondence with Barclays Priceline <em>Credit</em> <em>Card</em> regarding this matter. \n\nI <em>trust</em> that the Consumer Financial Protection Bureau will investigate this issue thoroughly and ensure that appropriate measures are taken to resolve it. Please keep me informed of any actions taken in response to this complaint. \n\nThank you for <em>your</em> attention to this matter."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on <em>your</em> report"],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.600583,"12700297"]},{"_index":"complaint-public-v1","_id":"4900642","_score":15.277748,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"the bank is not compatible with payments in general but online payments really scares them too much, they continue to block payments for no reason, perhaps a better idea is : citi stay away from internet/the web, and work on the streets only, wth your branches, you are absolutly unable to manage a online banking, there are no possibilieties, that i will call you for every payment that i place on the internet and most importantly the phone is not a legal requirement so if i want/prefer/estabilish>/want/prefer, then i can simply trash the phone system and use only a email account I use a virtual card attached to the primary card for online purchases, with a purchase limit they offer virtual credit card accounts, for 1 time usage on the web, but they donpt trust their own systems on XX/XX/2021, I have plaved the order for {$9600.00} I clicked on the email Sent from citi On XX/XX/XXXX and I confirmed that I made the purchase I responded by email and confirmed the charge was valid, and the block was removed from your account A block was subsequently reapplied on the account which resulted in charges being declined and this time they asked to use their passion, the phone systen, again they block each online payment!! I suggest you to hire a corporate neurologist I DO NOT USE THE PHONE!, WHAT DO YOU NEED TO UNDERSTAND THIS SIMPLE SENTENCE","date_sent_to_company":"2021-11-11T18:18:36.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"902XX","tags":null,"has_narrative":true,"complaint_id":"4900642","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2021-11-11T17:54:09.000Z","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 during payment process"},"highlight":{"complaint_what_happened":["/want/prefer, then i can simply trash the phone system and use only a email account I use a virtual <em>card</em> attached to the primary <em>card</em> for online purchases, with a purchase limit they offer virtual <em>credit</em> <em>card</em> accounts, for 1 time usage on the web, but they donpt <em>trust</em> their own systems on XX/XX/2021, I have plaved the order for {$9600.00} I clicked on the email Sent from citi On XX/XX/XXXX and I confirmed that I made the purchase I responded by email and confirmed the charge was valid, and the block"],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[15.277748,"4900642"]},{"_index":"complaint-public-v1","_id":"8463274","_score":15.002671,"_source":{"product":"Credit card","complaint_what_happened":"I hope this letter finds you well. I am writing to respectfully request a reconsideration of the decision regarding an Eligible Investment AMERICAN EXPRESS CHARGE CARD. I'm thrilled about potentially jumping on board with your fantastic services! I noticed things are managed through the computer system which may project some errors, and I'm reaching out as a silent new investor, ready to dive into exciting opportunities with you. Super excited about the prospect of doing business together! Can't wait to get started!\n\nAmerican Express, has stated in their prospectus, We periodically securitize Card Member loans and receivables arising from our U.S. card business, as the securitization market provides us with cost-effective funding. Securitization of Card Member loans and receivables is accomplished through the transfer of those assets to a trust, which in turn issues securities collateralized by the transferred assets to third-party investors..The proceeds from issuance are distributed to us, through our wholly owned subsidiaries, as consideration for the transferred assets. Refer to Note 5 to the, Consolidated Financial Statements for a further description of our asset securitizations.\n\nAE ( American Express ) transferred my money purchase loan contract ( the \" Receivables '' ) which is backed by the United States obligation, to Special Purpose Entity ( SPE ) /Receivables Trust. Then American Express Receivables Trust, in return transfers the contracts to an Asset-Backed Securities ( ABS ) trust and uses it as collateral to acquire a loan from corporate bond investors. XXXX XXXX purchases from XXXX receivables arising in revolving credit card and other credit accounts owned by XXXX. XXXX XXXX may then, subject to certain conditions, add those receivables to the trust. See Description of the Purchase Agreement in this prospectus. American Express Receivables Financing Corporation III LLC structures the issuing entitys transactions. American Express Travel Related Services Company , Inc. is the servicer of the trust. As servicer, it is responsible for servicing, managing and making collections on the receivables in the trust. The following summarizes the material terms of the receivables purchase agreement between XXXX and XXXX XXXX. We refer to the receivables purchase agreement as the purchase agreement and we refer to XXXX XXXX as the purchaser. The purchase agreement is filed as an exhibit to this registration statement, of which this prospectus is a part. XXXX is the owner of the accounts which contain the receivables that are purchased by XXXX XXXX pursuant to the purchase agreement and then transferred by XXXX XXXX to the trust. In connection with the sale of receivables to XXXX XXXX, XXXX has filed appropriate UCC financing statements to evidence the sale to the purchaser and to perfect the right, title and interest of the purchaser in those receivables ; and indicated in its books and records ( including any related computer files ) that the receivables have been sold by it to the purchaser. sold all of its right, title and interest, if any, in the receivables existing in the initial accounts at the close of business on the substitution date and in the receivables thereafter arising in those accounts, in each case including all Issuer Rate Fees, insurance proceeds and Recoveries allocable to such receivables, all monies due or to become due, all amounts received or receivable, all collections and all proceeds, each as it relates to such receivables. In the purchase agreement, XXXX makes the following representations and warranties, among others as of each applicable selection date, each account was an Eligible Account.\n\nWhich means my securities/promissory note was bought and sold. Within your prospectus and securities exchange agreement you agreed to not do these such actions, which is considered committing commerce fraud, securities fraud, due no prior authorization, data fraud, and wiring fraud, in return I have every right file a complaint against American Express ( AE ). Instead, I am requesting that you reconsider your decision and issue my AMERICAN EXPRESS CHARGE CARD IMMEDIATELY. If you can not honor what is guaranteed, then I have no choice, but to move forward with contacting certain authorities and demand you return my securities immediately. Please feel free to contact me at XXXX or XXXX if you require any additional information or clarification. \nThank you for your attention to this matter.\n\nTerms of definition : ( 79 ) 21 ASSET-BACKED SECURITY : The term \" asset-backed security '' .fixed-income collateralized by any type of self-liquidating financial assests ( including a loan, a lease, a mortgage, or a secured or unsecured receivable ) that allows the holder of the security to receive payments that depend primarily on cash flow from the asset, including- ( i ) a collateralized mortgage obligation ; ( ii ) a collateralized debt obligation ; ( iii ) a collateralized bond obligation.\n\n( iv ) a collateralized debt obligation of asset-backed securities ; ( v ) a collateralized debt obligation of collateralized.\n\nPROSPECTUS : A prospectus is a written document that provides all material information about an offering of securities and is the primary sales tool of the company that issues the securities ( called the issuer ) and broker-dealers that market the offering for the issuer ( called underwriters ).\n\nEligible Investment : means negotiable instruments, investment property, or deposit accounts which evidence : ( a ) direct obligations of, or obligations fully guaranteed as to timely payment by, the United States of America ;","date_sent_to_company":"2024-03-02T19:51:04.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"89081","tags":null,"has_narrative":true,"complaint_id":"8463274","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-03-02T19:42:31.000Z","state":"NV","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["XXXX XXXX purchases from XXXX receivables arising in revolving <em>credit</em> <em>card</em> and other <em>credit</em> accounts owned by XXXX. XXXX XXXX may then, subject to certain conditions, add those receivables to the <em>trust</em>. See Description of the Purchase Agreement in this prospectus. American Express Receivables Financing Corporation III LLC structures the issuing entitys transactions. American Express Travel Related Services Company , Inc. is the servicer of the <em>trust</em>."],"product":["<em>Credit</em> <em>card</em>"],"issue":["Getting a <em>credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[15.002671,"8463274"]},{"_index":"complaint-public-v1","_id":"11104609","_score":14.816542,"_source":{"product":"Credit card","complaint_what_happened":"I am writing to express my deep concern and disappointment regarding a recent reduction in the credit line of my Southwest Chase Business Credit Card. As a valued customer, I have always relied on Chase for my business needs, and this unexpected change has put me in a challenging position. \n\nRecently, I noticed that my credit line was reduced from {$9000.00} to {$7700.00}. This reduction comes at a pivotal time for my business, as we are approaching the end of the year, a period that requires significant travel and expenses for meetings, incidentals, and rental cars. To ensure that I could cover these expenses, I made large payments towards my credit card. However, the reduced credit line now severely limits my ability to manage these essential business activities. \n\nMoreover, I am particularly concerned that my personal credit was pulled in relation to this business card. My business is registered as an XXXX XXXX and I believe that personal credit checks should not impact the credit lines associated with business accounts. This not only affects my business operations but also my personal credit standing, which I strive to maintain diligently. \n\nGiven these circumstances, I respectfully request that you reinstate my original credit line of {$9000.00}. This action will significantly aid in the smooth operation of my business during this crucial period and reflect the trust and relationship I have built with Chase over the years. \n\nI appreciate your attention to this matter and hope for a prompt resolution. Your assistance in this regard would reinforce my confidence in Chase as a partner in my business success. \n\nThank you for your understanding and support. I look forward to your positive response.","date_sent_to_company":"2024-12-10T17:51:40.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"342XX","tags":null,"has_narrative":true,"complaint_id":"11104609","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-12-10T17:41:36.000Z","state":"FL","company_public_response":null,"sub_issue":"Credit card company won't increase or decrease your credit limit"},"highlight":{"complaint_what_happened":["To ensure that I could cover these expenses, I made large payments towards my <em>credit</em> <em>card</em>. However, the reduced <em>credit</em> line now severely limits my ability to <em>manage</em> these essential business activities. \n\nMoreover, I am particularly concerned that my personal <em>credit</em> was pulled in relation to this business <em>card</em>. My business is registered as an XXXX XXXX and I believe that personal <em>credit</em> checks should not impact the <em>credit</em> lines associated with business accounts."],"product":["<em>Credit</em> <em>card</em>"],"issue":["Trouble using <em>your</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company won't increase or decrease <em>your</em> <em>credit</em> limit"]},"sort":[14.816542,"11104609"]},{"_index":"complaint-public-v1","_id":"11267228","_score":14.485207,"_source":{"product":"Checking or savings account","complaint_what_happened":"Bank of America representative XXXX XXXX ID XXXX responded to my request for why the check was sent late and by paper by wanting to send me to a website that talks about online banking and paper checks versus electronic checks. The complaint I have with Bank of America is they sent a paper check # XXXX in the amount of XXXX to XXXX XXXX to pay my credit card bill due XX/XX/year>. Which is late and I incurred a late fee in addition to this being reported to the three credit agencies as a late payment. They sent an electronic payment to XXXXXXXX XXXX XXXX on XX/XX/year> in the amount of XXXX which was received timely. i have received no apology and no reimbursement of the late fee as they stated they would do for sending the check late. How can we trust a financial institution like Bank of America to be a fiduciary of your funds and make timely payments with an online banking system managed by them. I could have clearly used a paper check and made sure this was mailed timely and received by XXXX XXXX XXXX timely. This is nothing less than a breach of fiduciary duty!","date_sent_to_company":"2024-12-24T17:52:11.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"80111","tags":null,"has_narrative":true,"complaint_id":"11267228","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-12-24T17:21:31.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["How can we <em>trust</em> a financial institution like Bank of America to be a fiduciary of <em>your</em> funds and make timely payments with an online banking system <em>managed</em> by them. I could have clearly used a paper check and made sure this was mailed timely and received by XXXX XXXX XXXX timely. This is nothing less than a breach of fiduciary duty!"]},"sort":[14.485207,"11267228"]},{"_index":"complaint-public-v1","_id":"7285509","_score":14.441396,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing this formal complaint to bring to your attention a distressing incident involving the unauthorized opening of a credit card account in my name. The purpose of this complaint is to seek your immediate intervention and assistance in resolving this matter, which has adversely affected my credit score. \n\nOn XXXX, XXXX, XXXX, I discovered that a credit card account was established in my name with Fortiva Credit Card, without any form of authorization from me. I immediately reached out to the credit card company and was given the runaround. The Fortiva rep acknowledged they had not received my consent but refused to delete the credit card and remove the unauthorized credit card from my credit report. \n\nI must emphasize that I had no prior knowledge of, nor did I provide any consent for, the creation of this credit card account. Initially, I had a loan ( line of {$4000.00} ) with Fortiva, NOT a credit card. After making faithful payments on time, Fortiva decided to illegally issue me a credit card without my consent. \n\nThis unauthorized action has negatively impacted my credit score, as the card is recorded as a new account with no credit history ( despite making payments for 1.5 years ) and a new low credit limit of {$2000.00}, thereby negatively impacting my credit utilization on the account. \n\nI believe that the unauthorized opening of a credit card account in my name constitutes a serious violation of consumer rights and the Fair Credit Reporting Act ( FCRA ). As a responsible and law-abiding consumer, I have diligently managed my credit and maintained a positive credit history. The unauthorized account created in my name has blemished my financial reputation through no fault of my own, and this issue must be rectified promptly. \n\nI trust that the Consumer Financial Protection Bureau will take my complaint seriously and act diligently to protect consumers like me from such unscrupulous practices. I request that you keep me informed about the progress of the investigation and resolution of this matter. \n\nThank you for your prompt attention to this matter. I look forward to a swift resolution and your assurances that appropriate measures will be taken to prevent similar incidents in the future. \n\nAdditionally, I've filed a fraud complaint with XXXX.","date_sent_to_company":"2023-07-21T21:41:30.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"77469","tags":null,"has_narrative":true,"complaint_id":"7285509","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Atlanticus Services Corporation","date_received":"2023-07-21T21:19:17.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Sent card you never applied for"},"highlight":{"complaint_what_happened":["Dear Consumer Financial Protection Bureau, I am writing this formal complaint to bring to <em>your</em> attention a distressing incident involving the unauthorized opening of a <em>credit</em> <em>card</em> account in my name. The purpose of this complaint is to seek <em>your</em> immediate intervention and assistance in resolving this matter, which has adversely affected my <em>credit</em> score."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["Getting a <em>credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Sent <em>card</em> you never applied for"]},"sort":[14.441396,"7285509"]},{"_index":"complaint-public-v1","_id":"7233755","_score":14.220912,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/2023 i was denied for credit I am writing to file a complaint against First Electronic Bank  for unjustly denying my application for a Destiny Mastercard credit card based solely on my credit report. This denial has caused me significant financial and emotional distress, as it prevented me from providing essential needs for my family. \n\nThe denial of my application has resulted in tangible damages, as I was unable to provide for my family 's essential needs. I had to take on extra shifts at work to cover utility costs, which imposed a heavy burden on me. This situation has caused me emotional distress, as it has led to increased stress and limited quality time with my family. \n\nI believe that First Electronic Bank 's decision violates the Fair Credit Reporting Act ( FCRA ), which acknowledges that credit reports should be just one factor among many considered during the credit evaluation process. By solely relying on my credit report, First Electronic Bank  unfairly denied me access to credit and the financial stability it would have provided. \n\nI kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against First Electronic Bank for their violation of the FCRA. Additionally, I seek your assistance in urging First Electronic Bank to reconsider their decision and approve my application for a Destiny Mastercard credit card, considering my ability to responsibly manage credit. \n\nThank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will address this complaint promptly, seeking resolution to the injustices I have faced.","date_sent_to_company":"2023-07-11T07:37:12.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"46143","tags":null,"has_narrative":true,"complaint_id":"7233755","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CLGF Holdco 1, LLC","date_received":"2023-07-11T06:57:51.000Z","state":"IN","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["Additionally, I seek <em>your</em> assistance in urging First Electronic Bank to reconsider their decision and approve my application for a Destiny Mastercard <em>credit</em> <em>card</em>, considering my ability to responsibly <em>manage</em> <em>credit</em>. \n\nThank you for <em>your</em> attention to this matter. I <em>trust</em> that the Consumer Financial Protection Bureau will address this complaint promptly, seeking resolution to the injustices I have faced."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["Getting a <em>credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[14.220912,"7233755"]},{"_index":"complaint-public-v1","_id":"8823973","_score":14.218298,"_source":{"product":"Credit card","complaint_what_happened":"Dear Sir/Madam, I am writing to express my deep concern and disappointment regarding the recent letter of closure of my business credit card, associated with my business \" Fresh Zone Catering \". As a longstanding and loyal customer of Chase Bank, I was surprised and troubled by this decision, particularly as there was no apparent reason provided for the closure. \n\nSince establishing my business in 2020, I have maintained a flawless record of financial responsibility, both personally and professionally. My business, XXXX XXXX XXXX, has thrived under the support and partnership of Chase Bank, and the sudden closure of my credit card has left me feeling unsettled and anxious about the impact on my business 's credit profile. \n\nI want to emphasize that I have always conducted my business affairs with the utmost integrity and compliance with all applicable regulations. There have been no issues or irregularities with my account that would warrant such drastic action. Therefore, I respectfully request that Chase Bank refrains from closing my business credit card and provides me with a detailed explanation for the closure decision. \n\nThe closure of my business credit card not only affects my ability to manage expenses efficiently but also has the potential to negatively impact my business 's creditworthiness and financial stability. As a valued customer, I believe I deserve transparency and fair treatment from Chase Bank, and I trust that you will take my concerns seriously and address them promptly. \n\nI kindly request that my business credit card be reinstated at the earliest convenience to mitigate any further disruption to my business operations. Additionally, I would appreciate any assistance or guidance Chase Bank can offer to ensure the continued success and prosperity of my business. \n\nThank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. \n\nSincerely, XXXX XXXX XXXX, XXXX XXXX XXXX","date_sent_to_company":"2024-04-21T09:39:29.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"91201","tags":null,"has_narrative":true,"complaint_id":"8823973","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-04-21T09:30:13.000Z","state":"CA","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Therefore, I respectfully request that Chase Bank refrains from closing my business <em>credit</em> <em>card</em> and provides me with a detailed explanation for the closure decision. \n\nThe closure of my business <em>credit</em> <em>card</em> not only affects my ability to <em>manage</em> expenses efficiently but also has the potential to negatively impact my business 's creditworthiness and financial stability."],"product":["<em>Credit</em> <em>card</em>"],"issue":["Closing <em>your</em> account"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Company closed <em>your</em> account"]},"sort":[14.218298,"8823973"]},{"_index":"complaint-public-v1","_id":"16806946","_score":14.213013,"_source":{"product":"Credit card","complaint_what_happened":"Capital One reconsideration and complaint letter. It keeps your respectful tone but adds references to federal credit laws that protect your right to fair consideration under your Social Security number. \n\nXXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XXXX XXXX XXXX  Capital One Bank ( USA ), N.A. \nAttn : Credit Card Reconsideration & Compliance Department XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Complaint and Request for Reconsideration Venture X Credit Card Denial To Whom It May Concern, My name is XXXX XXXX XXXX XXXX and I am writing to formally dispute and request reconsideration of the recent denial of my Capital One Venture X credit card application. I have been a long-standing and loyal customer of Capital One for many years, maintaining accounts in good standing and responsibly managing my credit under my valid Social Security number. \n\nGiven my consistent history and the trust I have placed in Capital One, I was both surprised and disappointed by the denial of my application. I believe this decision does not accurately reflect my creditworthiness or my longstanding customer relationship.\n\nUnder the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 et seq., I have the right to fair and equal consideration for credit based on my actual credit profile, income, and financial history. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate reporting and full disclosure of any information used in determining my eligibility for credit. \n\nI respectfully request that Capital One : Provide the specific reasons for the denial of my Venture X application, as required under Regulation B of the ECOA. Reconsider my application in light of my established history, loyalty, and current credit standing. Confirm that my Social Security information and prior Capital One credit data were properly verified and evaluated during the decision process. \n\nCapital One has long represented itself as a bank that values its customers and supports responsible credit users. I trust that my request will be given a fair review consistent with federal law and your companys own standards of integrity and customer care. \n\nPlease respond in writing to the address or email listed above within 30 days, as required by federal consumer protection regulations. \n\nThank you for your time, attention, and prompt reconsideration of my application. I look forward to your reply and a positive resolution of this matter. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-10-24T14:50:14.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"90002","tags":null,"has_narrative":true,"complaint_id":"16806946","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-10-24T14:38:53.000Z","state":"CA","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["It keeps <em>your</em> respectful tone but adds references to federal <em>credit</em> laws that protect <em>your</em> right to fair consideration under <em>your</em> Social Security number. \n\nXXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XXXX XXXX XXXX  Capital One Bank ( USA ), N.A. \nAttn : <em>Credit</em> <em>Card</em> Reconsideration & Compliance Department XXXX."],"product":["<em>Credit</em> <em>card</em>"],"issue":["Getting a <em>credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[14.213013,"16806946"]},{"_index":"complaint-public-v1","_id":"9949978","_score":14.176728,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Feedback on Communication Issues Dear Destiny Card Customer Service, I hope this message finds you well. I am writing to express my concerns regarding the communication I have experienced with your team recently. I used that Destiny credit card one time, and I paid it off. After I paid that credit card off a few days later I called your customer service department and requested to close my account. The representative stated XXXX XXXX the account is closed. Also I never received a confirmation number over the phone, or an email stating that my account was closed. \n\nAs a customer, clear and timely communication is crucial when it comes to managing my account and addressing any issues I may have. Unfortunately, I have encountered several instances where responses to my questions were delayed or unclear, leaving me feeling frustrated and uncertain about my account status and available options. \n\nI believe that improving communication processes could greatly enhance customer satisfaction and trust. I kindly request that you review your communication practices to ensure that customers receive prompt and accurate information. Also I showed up today at court XX/XX/year> at XXXX. And the case was continued until XX/XX/XXXX. Also I did not give your company written consent to sell any of my information. violation. ( B ) 1 OPT-OUT 15 U.S. code 6802- Obligations with respect to disclosures of personal information.\n\nA financial institution may not disclose nonpublic personal information to a non affiliated third part unless such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form. \n\n\nXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX","date_sent_to_company":"2024-08-28T16:21:36.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20147","tags":null,"has_narrative":true,"complaint_id":"9949978","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CLGF Holdco 1, LLC","date_received":"2024-08-28T16:14:33.000Z","state":"VA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Feedback on Communication Issues Dear Destiny <em>Card</em> Customer Service, I hope this message finds you well. I am writing to express my concerns regarding the communication I have experienced with <em>your</em> team recently. I used that Destiny <em>credit</em> <em>card</em> one time, and I paid it off. After I paid that <em>credit</em> <em>card</em> off a few days later I called <em>your</em> customer service department and requested to close my account. The representative stated XXXX XXXX the account is closed."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Improper use of <em>your</em> report"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Reporting company used <em>your</em> report improperly"]},"sort":[14.176728,"9949978"]},{"_index":"complaint-public-v1","_id":"7622284","_score":14.137373,"_source":{"product":"Credit card","complaint_what_happened":"Dear Sir/Madam, I am writing this letter as a long-standing customer of JP Morgan Chase Bank XXXX XXXX XXXX XXXX track record, requesting your urgent intervention in the matter of my credit card accounts ' unexpected closure. \nI have been banking with Chase for numerous years, maintaining XXXX checking accounts, XXXX personal credit cards, XXXX business credit cards, and a mortgage account, all with an exemplary payment history. In fact, to ensure I never miss a payment, I have all my accounts set up on auto-pay. \nXXXX my astonishment and subsequent dismay when my credit cards suddenly ceased to function, and my accounts appeared to be non-existent. The sensation of being left in the lurch was overwhelming. I have always held Chase in high regard, confiding in your financial services to help manage and nurture not just my personal finances but also my dreams and aspirations as an entrepreneur. This trust was shattered when I discovered my credit card accounts were abruptly closed without any prior warning. I am convinced this resulted from a technical oversight by the bank, leading to the closure of all my credit card accounts. \nI had opened a new business credit card for my XXXX XXXX XXXX XXXX XXXX '', anticipating the card to be automatically integrated into my all-in-one Chase login, similar to all my previous accounts. However, this did not occur, and no notification was sent out regarding this exception, making me unaware of the account 's balance. \nUnaware that this XXXX card had its own separate login credentials, it was impossible for me to set up auto-pay or manually clear off the balance, a lapse which was in no way a result of my negligence but a mere miscommunication and a technical oversight. \nWhen I reached out to your customer service, I learned of the unpaid balance of approximately {$450.00} on the XXXX XXXX card. The moment I was informed of the outstanding balance, I immediately paid the balance in full, a testament to my readiness and commitment to uphold my financial responsibilities. \nThis entire unfortunate incident was due to a miscommunication and a technical error, not on any negligence or irresponsibility on my part. My unblemished XXXX XXXX and years of faithful payments bear testament to my reliability as a customer. I am a responsible homeowner and serial entrepreneur, consistently choosing Chase for my banking needs. \nI implore you to put yourself in my shoes. XXXX the shock, the disorientation of finding the financial foundation you've built over the years suddenly pulled out from under you. XXXX the hurt and disappointment when you realize that this upheaval is not a result of your own doing, but of a technical error. \nThis mishap has deeply disappointed me, as I have always held JP Morgan Chase Bank in high regard, entrusting you with my personal and business financial needs. I find it disheartening that all my credit card accounts were closed without prior warning or efforts to reach out and resolve the issue, especially given my history with the bank. \nWith this letter, I am not just asking for the reinstatement of my credit card accounts, I am appealing for empathy, understanding, and fairness. I am appealing for the reinstatement of my trust in Chase, a trust that has been deeply shaken by this incident. My impeccable credit history, punctual payments, and my commitment to maintaining my accounts efficiently speak volumes about my character and reliability as a customer. \nIf this situation remains unaddressed, I am left with no other choice but to reconsider my future financial endeavors with Chase. It is a decision I would take with a heavy XXXX, given the years of mutually beneficial relationship we have enjoyed. \nIn conclusion, I request your assistance in rectifying this situation, emphasizing that it was a mere technical oversight that doesn't reflect my actual banking behavior or history with JP Morgan Chase Bank. \nI ask you to view this situation not just as a corporate policy procedure but as a deeply personal issue that has greatly impacted my life. This is not merely a request but an XXXX plea for you to rectify this situation and help restore the faith I once held in Chase 's commitment to its customers. \nThank you for your understanding and empathy. I anticipate a swift resolution that would heal the distress caused and allow us to move forward, restoring our relationship to its former trust and mutual respect.","date_sent_to_company":"2023-10-02T14:39:37.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"78724","tags":null,"has_narrative":true,"complaint_id":"7622284","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-10-02T14:33:01.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This <em>trust</em> was shattered when I discovered my <em>credit</em> <em>card</em> accounts were abruptly closed without any prior warning. I am convinced this resulted from a technical oversight by the bank, leading to the closure of all my <em>credit</em> <em>card</em> accounts. \nI had opened a new business <em>credit</em> <em>card</em> for my XXXX XXXX XXXX XXXX XXXX '', anticipating the <em>card</em> to be automatically integrated into my all-in-one Chase login, similar to all my previous accounts."],"product":["<em>Credit</em> <em>card</em>"],"issue":["Incorrect information on <em>your</em> report"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[14.137373,"7622284"]},{"_index":"complaint-public-v1","_id":"8809633","_score":13.83057,"_source":{"product":"Credit card","complaint_what_happened":"Dear Sir/Madam, I am writing to express my deep concern and disappointment regarding the letter i have received about recent closure of my business credit card, associated with my business \" XXXX XXXX XXXX ''. As a longstanding and loyal customer of Chase Bank, I was surprised and troubled by this decision, particularly as there was no apparent reason provided for the closure. \n\nSince establishing my business in XXXX, I have maintained a flawless record of financial responsibility, both personally and professionally. My business, XXXX XXXX XXXX, has thrived under the support and partnership of Chase Bank, and the sudden closure of my credit card has left me feeling unsettled and anxious about the impact on my business 's credit profile. \n\nI want to emphasize that I have always conducted my business affairs with the utmost integrity and compliance with all applicable regulations. There have been no issues or irregularities with my account that would warrant such drastic action. Therefore, I respectfully request that Chase Bank provides me with a detailed explanation for the closure of my credit card and reconsider its decision. \n\nThe closure of my business credit card not only affects my ability to manage expenses efficiently but also has the potential to negatively impact my business 's creditworthiness and financial stability. As a valued customer, I believe I deserve transparency and fair treatment from Chase Bank, and I trust that you will take my concerns seriously and address them promptly. \n\nI kindly request that my business credit card be reinstated at the earliest convenience to mitigate any further disruption to my business operations. Additionally, I would appreciate any assistance or guidance Chase Bank can offer to ensure the continued success and prosperity of my business. \n\nThank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. \n\nSincerely, XXXX XXXX XXXX, XXXX XXXX XXXX","date_sent_to_company":"2024-04-19T17:20:13.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"91344","tags":null,"has_narrative":true,"complaint_id":"8809633","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-04-19T17:11:36.000Z","state":"CA","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Therefore, I respectfully request that Chase Bank provides me with a detailed explanation for the closure of my <em>credit</em> <em>card</em> and reconsider its decision. \n\nThe closure of my business <em>credit</em> <em>card</em> not only affects my ability to <em>manage</em> expenses efficiently but also has the potential to negatively impact my business 's creditworthiness and financial stability."],"product":["<em>Credit</em> <em>card</em>"],"issue":["Closing <em>your</em> account"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Company closed <em>your</em> account"]},"sort":[13.83057,"8809633"]},{"_index":"complaint-public-v1","_id":"8822996","_score":13.796714,"_source":{"product":"Credit card","complaint_what_happened":"Dear Sir/Madam I am writing to express my deep concern and disappointment regarding the letter of recent closure of my business credit card, associated with my business \" XXXX XXXX XXXX XXXX \". As a longstanding and loyal customer of Chase Bank, I was surprised and troubled by this decision, particularly as there was no apparent reason provided for the closure. \n\nSince establishing my business in XXXX, I have maintained a flawless record of financial responsibility, both personally and professionally. My business, XXXX XXXX XXXX XXXX, has thrived under the support and partnership of Chase Bank, and the sudden closure of my credit card has left me feeling unsettled and anxious about the impact on my business 's credit profile. \n\nI want to emphasize that I have always conducted my business affairs with the utmost integrity and compliance with all applicable regulations. There have been no issues or irregularities with my account that would warrant such drastic action. Therefore, I respectfully request that Chase Bank refrains from closing my business credit card and provides me with a detailed explanation for the closure decision. \n\nThe closure of my business credit card not only affects my ability to manage expenses efficiently but also has the potential to negatively impact my business 's creditworthiness and financial stability. As a valued customer, I believe I deserve transparency and fair treatment from Chase Bank, and I trust that you will take my concerns seriously and address them promptly. \n\nI kindly request that my business credit card be reinstated at the earliest convenience to mitigate any further disruption to my business operations. Additionally, I would appreciate any assistance or guidance Chase Bank can offer to ensure the continued success and prosperity of my business. \n\nThank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-04-21T18:20:03.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"90029","tags":"Older American","has_narrative":true,"complaint_id":"8822996","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-04-21T17:52:43.000Z","state":"CA","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Therefore, I respectfully request that Chase Bank refrains from closing my business <em>credit</em> <em>card</em> and provides me with a detailed explanation for the closure decision. \n\nThe closure of my business <em>credit</em> <em>card</em> not only affects my ability to <em>manage</em> expenses efficiently but also has the potential to negatively impact my business 's creditworthiness and financial stability."],"product":["<em>Credit</em> <em>card</em>"],"issue":["Closing <em>your</em> account"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Company closed <em>your</em> account"]},"sort":[13.796714,"8822996"]},{"_index":"complaint-public-v1","_id":"16191369","_score":13.761768,"_source":{"product":"Credit card","complaint_what_happened":"XXXXAtlanticus service corporationXXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Dispute of Unauthorized Charges on Account Ending in XXXX XXXXDear Atlanticus service corporationXXXXI sent a letter on XXXX XXXX XXXX to dispute these charges but was ignored by Atlanticus service corporation Imagine XXXX XXXX OR i thought that Atlanticus service corporation imagine visa credit was working to resolve this issue again am writing to formally dispute several unauthorized charges on my credit card account ending in XXXXXXXX,  Fair credit billing act (FCBA) has been ignored As a senior citizen at XXXX  years old, I take great care to manage my finances, and I was shocked to find these unfamiliar transactions on my statements. I have attached copies of my statements for your reference.XXXXThe charges in question are as follows:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese transactions were not authorized by me, and I believe they are fraudulent. I have never made these purchases or visited the websites associated with these charges. It is unclear how these charges occurred, and I am requesting a full investigation and resolution of this issue.XXXXFurthermore, I am concerned that these unauthorized charges are contributing to the unusually high balance of $XXXX  on my account, which I cannot explain. I have rarely used this card, and I am confident that these charges are the cause of the discrepancy.\\n\\nI respectfully request that you investigate these unauthorized transactions and reverse the charges from my account immediately. Please provide me with confirmation of your findings and any actions taken to resolve this issue.XXXXXXXXcontact me at XXXXThank you for your prompt attention to this matter. I trust you will resolve this issue quickly, and I appreciate your help in correcting this situation.XXXXSincerely,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-09-26T04:41:07.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"90032","tags":null,"has_narrative":true,"complaint_id":"16191369","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Atlanticus Services Corporation","date_received":"2025-09-26T04:31:38.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I <em>trust</em> you will resolve this issue quickly, and I appreciate <em>your</em> help in correcting this situation.XXXXSincerely,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX"],"product":["<em>Credit</em> <em>card</em>"],"issue":["Problem with a purchase shown on <em>your</em> statement"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Card</em> was charged for something you did not purchase with the <em>card</em>"]},"sort":[13.761768,"16191369"]},{"_index":"complaint-public-v1","_id":"9373073","_score":13.69663,"_source":{"product":"Credit card","complaint_what_happened":"I am writing to formally lodge a complaint regarding the handling of my Citibank credit card account, which was closed in XX/XX/year>. The sequence of events that transpired has led to a significant negative impact on my credit score and overall financial well-being, and I believe this situation reflects a failure on Citibanks part to provide adequate service and communication. \n\nIn XX/XX/year>, I received a notification via mail from Citibank stating that my credit card account had been closed. Subsequently, my access to view the credit card information through online banking was removed, leaving me with only a message indicating that the credit card was closed. Despite this, Citibank failed to send me any statements or remaining balance reminders since XXXX, leaving me unaware of any outstanding amounts that needed to be settled. \n\nAs a result of this lack of communication, I was shocked to find that my XXXX credit score decreased by XXXX points XXXX months later. Upon reviewing my credit report, I discovered that Citibank had reported my credit card account as delinquent. This was done without any notice to me, the cardholder, for a period of XXXX months. The credit report also indicates that the account was closed in XX/XX/year>, further compounding the confusion and frustration. \n\nI am deeply concerned by Citibank 's handling of this situation. The lack of notification regarding the remaining balance and the subsequent reporting of the account as delinquent have caused considerable damage to my credit score. This incident has not only harmed my financial standing but also undermined my trust in Citibank 's ability to manage customer accounts responsibly. \n\nI request the following actions to rectify this situation : 1.Immediate correction of the erroneous delinquency report on my credit report.\n\n2.Written confirmation of the steps taken to amend my credit report.\n\n3.A detailed explanation as to why the account was reported as delinquent without proper notice. \n4.Assurance that all future communications regarding account closures and balances will be handled with due diligence to prevent similar issues. \n\nI trust that Citibank will take swift and appropriate action to resolve this matter. I expect a response to this complaint within 14 days from the date of this letter. Failure to address this issue satisfactorily may compel me to escalate the matter to the relevant financial regulatory authorities. \n\nThank you for your prompt attention to this serious matter.","date_sent_to_company":"2024-06-28T04:09:13.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"92620","tags":null,"has_narrative":true,"complaint_id":"9373073","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-06-28T04:02:09.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["The lack of notification regarding the remaining balance and the subsequent reporting of the account as delinquent have caused considerable damage to my <em>credit</em> score. This incident has not only harmed my financial standing but also undermined my <em>trust</em> in Citibank 's ability to <em>manage</em> customer accounts responsibly."],"product":["<em>Credit</em> <em>card</em>"],"issue":["Incorrect information on <em>your</em> report"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[13.69663,"9373073"]},{"_index":"complaint-public-v1","_id":"11363352","_score":13.583448,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear XXXX XXXX XXXX  Customer Service XXXX XXXX XXXX hope this letter finds you well. I am writing regarding my account with you, XXXX ( Credit Card ending in XXXX ), and late payments that occurred in XX/XX/2024 and XX/XX/2024. \n\nFirst, I would like to express my gratitude for the excellent service I have received from XXXX XXXX and XXXX XXXX over the years. I greatly value my relationship with your institution and the financial opportunities you provide. I understand the importance of maintaining a consistent payment history, and I take full responsibility for these oversights. \n\nThe late payments were isolated incidents caused by unexpected financial difficulties and family emergency. Since then, I have taken steps to ensure all subsequent payments have been made on time, and my account has remained in good standing. \n\nIn light of my positive payment history and commitment to responsibly managing my account, I kindly request your goodwill in removing these late payments from my credit report. This adjustment would not only help improve my credit profile but would also reinforce my loyalty and trust in your institution. \n\nI appreciate your consideration of this request and would be happy to provide any additional information or documentation you may require. Please feel free to contact me at XXXX XXXX or XXXX, if you need further clarification. \n\nThank you for taking the time to review my request. I look forward to your response and hope to continue our positive relationship for many years to come. \n\nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-01-04T03:28:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33127","tags":null,"has_narrative":true,"complaint_id":"11363352","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2025-01-04T03:21:30.000Z","state":"FL","company_public_response":null,"sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["In light of my positive payment history and commitment to responsibly <em>managing</em> my account, I kindly request <em>your</em> goodwill in removing these late payments from my <em>credit</em> report. This adjustment would not only help improve my <em>credit</em> profile but would also reinforce my loyalty and <em>trust</em> in <em>your</em> institution. \n\nI appreciate <em>your</em> consideration of this request and would be happy to provide any additional information or documentation you may require."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on <em>your</em> report"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.583448,"11363352"]},{"_index":"complaint-public-v1","_id":"12810621","_score":13.567482,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint and request an investigation regarding Capital Ones continued refusal to allow me to open a bank account based on an alleged negative balance from a closed ING Direct account dating back more than 20 years. \n\nDespite the extreme age of the issue and the fact that XXXX was acquired by Capital One many years ago, I am still being denied basic banking services. This account was allegedly written off over XXXX decades ago, and I have not received any documentation or current validation from Capital One explaining their continued denial. \n\nUnder the Fair Credit Reporting Act, negative banking information is not supposed to be used indefinitely against consumers, especially when it is beyond the five-to-seven-year reporting period standard. I have reviewed my XXXX report, and there is no current derogatory information present that would justify this denial. \n\nWhat I find most disheartening is that I currently hold a Capital One credit card and even have an auto loan through Capital One, both of which I manage responsibly. Yet, I am still being denied a basic checking account, which seems inconsistent and discriminatory in practice. If I am trusted enough to manage credit and a vehicle loan, why would I not be eligible to hold a checking account with the same institution? \n\nI respectfully request that the CFPB investigate this matter and hold Capital One accountable if they are using obsolete or unjustified information to deny banking access. I would also appreciate assistance in obtaining a clear resolution or explanation so that I may move forward and continue establishing a positive financial relationship with this institution. \n\nThank you for your time and consideration. I am available to provide any additional documentation or details upon request. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-04-03T16:16:10.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"95348","tags":null,"has_narrative":true,"complaint_id":"12810621","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-04-03T15:49:16.000Z","state":"CA","company_public_response":null,"sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["If I am <em>trusted</em> enough to <em>manage</em> <em>credit</em> and a vehicle loan, why would I not be eligible to hold a checking account with the same institution? \n\nI respectfully request that the CFPB investigate this matter and hold Capital One accountable if they are using obsolete or unjustified information to deny banking access."]},"sort":[13.567482,"12810621"]},{"_index":"complaint-public-v1","_id":"14372158","_score":13.555796,"_source":{"product":"Credit card","complaint_what_happened":"I am writing to formally express my concern and disappointment regarding the abrupt and unexplained closure of my Wells Fargo XXXX XXXX credit card account ending in XXXX, and the associated forfeiture of XXXX reward pointsa value of approximately {$450.00}. \n\nOn XX/XX/XXXX, I received push notifications from both XXXX XXXX and XXXX XXXX indicating that my credit card had been removed from my wallet due to the card being deleted from the issuers system. This was alarming, as I had not initiated any changes to my account, which at the time had a XXXX balance and was in good standing. \n\nI promptly logged into the Wells Fargo online portal and was surprised to find that the account was entirely removed. I could no longer access transaction history, monthly statements, or the rewards portal. There were no messages, alerts, or prior notices of any kind provided by Wells Fargo about this closure. \n\nThe loss of access was particularly concerning as I had accumulated XXXX rewards points, saved over time and with the expectation that I would be able to use them in accordance with the terms of the program. I immediately contacted the rewards department and was initially told the card XXXX have expired and been replaced. However, upon verifying, I confirmed that the card was valid through XXXX. \nLater that same day, I visited my local branch ( which I understand is scheduled to close soon ). The banker there contacted the credit card department on my behalf. I was informed that the account had been closed by Wells Fargo, with no reason provided, and that a letter might be sent in the future. The banker inquired about the forfeited rewards, but was told they were lost due to the closure, and that the bank was not obligated to provide notice or opportunity to redeem them. \n\nI find this practice not only unethical but also in conflict with the spirit of the rewards program. The claim that rewards have no value until redeemed seems contradictory given the infrastructure Wells Fargo has in place for managing, tracking, and transferring points like a financial asset. To remove them without noticeespecially in the absence of any misconduct, late payments, or credit deterioration on my partis not only unfair but arguably deceptive. \n\nImportantly, I have been a loyal Wells Fargo customer for well over 10 years, maintaining multiple products and consistently managing my accounts responsibly. I currently have a credit score exceeding XXXX, no delinquencies, no fraud or chargebacks, and a longstanding positive history with your institution. Had I received any notice or warning of a potential closure, I would have taken immediate steps to redeem or transfer my rewards. \n\nWithout action, I will have no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other applicable regulatory agencies. I will push the issue further and consider utilizing all avenues including sharing this situation with lawmakers, courts, media outlets and others if necessary. \n\nThank you in advance for your attention to this matter. I hope Wells Fargo will do what is right and honor the trust and loyalty I have shown to the institution over the years.","date_sent_to_company":"2025-06-30T19:23:54.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"807XX","tags":null,"has_narrative":true,"complaint_id":"14372158","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-06-30T19:16:48.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with rewards from credit card"},"highlight":{"complaint_what_happened":["Thank you in advance for <em>your</em> attention to this matter. I hope Wells Fargo will do what is right and honor the <em>trust</em> and loyalty I have shown to the institution over the years."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Problem with rewards from <em>credit</em> <em>card</em>"]},"sort":[13.555796,"14372158"]},{"_index":"complaint-public-v1","_id":"13790150","_score":13.552315,"_source":{"product":"Credit card","complaint_what_happened":"Why are you penalizing me for a mistake your system made by reducing my credit limit?\n\nThe honeymoon as a new Chase Preferred Card Member will be over before you know it!\n\nI recently got to the bottom of my rapidly deteriorating relationship with Chase as a new card member that started with one mistake by me. Remember, any business as big as they are, can easily afford to lose customers without a care! It turns out, my credit limit was suddenly decreased by Chase to cover up a HUGE ERROR by it's own system! I'm now on the hook for that error. This realization came after months of reaching out for straight answers with no real response other than, \" Read your User Agreement! '' adding, \" We Own You! '' ( that's how all this honestly felt ) I had an autopay scheduled for {$970.00} that I forgot to cancel. When Chase attempted to collect the p\n\nayment, they claim ( with zero evidence! ) that the system automatically gave me a credit for said payment of {$970.00}, only to find insufficient funds in my account? Their flawed system then made a second attempt to collect the autopay, to which Chase claimed ANOTHER {$970.00} was credited to my account, again with zero evidence? Does TWICE THE CREDIT FOR ONE PAYMENT sound right???\n\nLike anyone else with a credit card today, I trust my card will be declined if there isn't available credit to cover the purchase. Not so with a Chase Sapphire Credit Card!\n\nUnbeknownst to me, they automatically allow you to go OVER your own credit limit as a, get this, courtesy? I've heard of overdrawing your bank account, but NEVER overdrawing your credit card? Chase justifies their self-serving actions by making up their own rules through their never read User Agreement... so beware!\n\nNow Chase is claiming I owe them {$970.00} TIMES TWO? Some courtesy huh!?\n\nThis ALL began after managing my account responsibly, as a new card member, before having ONE of my credit card payments get returned for insufficient funds. Apparently Chase has ZERO TOLERANCE for any missed payments because they threw their User Agreement ( XXXX XXXX ) at me and basically said tough luck in my repeated attempts to resolve the issue amicably? So much for customer appreciation! After that ONE missed payment, Chase mercilessly took it upon themselves to withhold my available credit LONG AFTER receiving my cash payment repeatedly and ongoingly. This spiraled down to where I neglected my account and forgot to cancel that autopay for {$970.00}. DO NOT BANK WITH CHASE!","date_sent_to_company":"2025-05-29T18:18:01.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"274XX","tags":null,"has_narrative":true,"complaint_id":"13790150","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-05-29T16:34:54.000Z","state":"NC","company_public_response":null,"sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["Not so with a Chase Sapphire <em>Credit</em> <em>Card</em>!\n\nUnbeknownst to me, they automatically allow you to go OVER <em>your</em> own <em>credit</em> limit as a, get this, courtesy? I've heard of overdrawing <em>your</em> bank account, but NEVER overdrawing <em>your</em> <em>credit</em> <em>card</em>? Chase justifies their self-serving actions by making up their own rules through their never read User Agreement... so beware!\n\nNow Chase is claiming I owe them {$970.00} TIMES TWO? Some courtesy huh!?"],"product":["<em>Credit</em> <em>card</em>"],"issue":["Trouble using <em>your</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Can't use <em>card</em> to make purchases"]},"sort":[13.552315,"13790150"]},{"_index":"complaint-public-v1","_id":"16322855","_score":13.5355215,"_source":{"product":"Credit card","complaint_what_happened":"I am filing this complaint regarding my Chase Freedom credit card account, which I have held in good standing for the past XXXX XXXX. This was my oldest credit account and the foundation of my personal credit profile. It was never delinquent, never over the limit, and always used responsibly. \n\nRecently, Chase closed this personal account without warning, allegedly due to a related Chase business credit card that I am currently settling. While I understand that I personally guaranteed the business account, I have been transparent and proactive in addressing that situation. However, the personal Freedom card was a completely separate relationship, a clean, XXXX credit line that I had worked hard to maintain. \n\nThe closure of this account has caused significant and immediate harm to my credit. My credit score dropped over XXXX points, and I lost a large portion of my total available credit and average account age. This will directly impact my ability to refinance, lease property, or secure new financing, despite my strong payment history and current efforts to resolve all outstanding obligations. \n\nIve contacted Chase multiple times and asked them to reconsider or allow a reduced-limit reinstatement, but I have received only generic denials with no substantive review or accommodation.\n\nAs a long-time customer who has responsibly managed their personal credit obligations, Im asking for Chase to reopen or reinstate the Freedom account so that I can preserve the credit history and trust that I have built over nearly a decade. I am not seeking any forgiveness of debt, only a fair and proportional response given the accounts clean record.\n\nThank you for your help in reviewing this matter.","date_sent_to_company":"2025-10-02T17:17:12.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"14580","tags":null,"has_narrative":true,"complaint_id":"16322855","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-10-02T16:55:17.000Z","state":"NY","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["As a long-time customer who has responsibly <em>managed</em> their personal <em>credit</em> obligations, Im asking for Chase to reopen or reinstate the Freedom account so that I can preserve the <em>credit</em> history and <em>trust</em> that I have built over nearly a decade. I am not seeking any forgiveness of debt, only a fair and proportional response given the accounts clean record.\n\nThank you for <em>your</em> help in reviewing this matter."],"product":["<em>Credit</em> <em>card</em>"],"issue":["Closing <em>your</em> account"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Company closed <em>your</em> account"]},"sort":[13.5355215,"16322855"]},{"_index":"complaint-public-v1","_id":"16040096","_score":13.515456,"_source":{"product":"Credit card","complaint_what_happened":"b'Concora CreditXXXX XXXX XXXX XXXX XXXXSubject: Dispute of Unauthorized Charges on Account Ending in XXXXDear Concora Credit,\\n\\nI sent a letter in XXXX XXXX XXXX to dispute these charges but was ignored by concora credit OR i thought that concora credit was working to resolve this issue again am writing to formally dispute several unauthorized charges on my credit card account ending in XXXX,  Fair credit billing act (FCBA) has been ignored As a senior citizen at XXXX  years old, I take great care to manage my finances, and I was shocked to find these unfamiliar transactions on my statements. I have attached copies of my statements for your reference.\\n\\nThe charges in question are as follows:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese transactions were not authorized by me, and I believe they are fraudulent. I have never made these purchases or visited the websites associated with these charges. It is unclear how these charges occurred, and I am requesting a full investigation and resolution of this issue.\\n\\nFurthermore, I am concerned that these unauthorized charges are contributing to the unusually high balance of XXXX  on my account, which I cannot explain. I have rarely used this card, and I am confident that these charges are the cause of the discrepancy.\\n\\nI respectfully request that you investigate these unauthorized transactions and reverse the charges from my account immediately. Please provide me with confirmation of your findings and any actions taken to resolve this issue.XXXX XXXX XXXX XXXXThank you for your prompt attention to this matter. I trust you will resolve this issue quickly, and I appreciate your help in correcting this situation.\\n\\nSincerely,\\nXXXX XXXX XXXX XXXXAccount Number Ending XXXX XXXX","date_sent_to_company":"2025-09-19T06:00:34.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"90032","tags":null,"has_narrative":true,"complaint_id":"16040096","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CLGF Holdco 1, LLC","date_received":"2025-09-19T04:10:46.000Z","state":"CA","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I <em>trust</em> you will resolve this issue quickly, and I appreciate <em>your</em> help in correcting this situation.\\n\\nSincerely,\\nXXXX XXXX XXXX XXXXAccount Number Ending XXXX XXXX"],"product":["<em>Credit</em> <em>card</em>"],"issue":["Problem with a purchase shown on <em>your</em> statement"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Card</em> was charged for something you did not purchase with the <em>card</em>"]},"sort":[13.515456,"16040096"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":226,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":226}]}},"product":{"doc_count":226,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card","doc_count":68,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":61},{"key":"Store credit card","doc_count":7}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":68,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit 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