{"took":196,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":119194,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"12825301","_score":33.141308,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XXXX SUBMITTED ON XX/XX/year> PRODUCT Money transfer, virtual currency, or money service ISSUE Fraud or scam Issue unresolved","date_sent_to_company":"2025-05-19T17:46:26.000Z","issue":"Fraud or scam","sub_product":"Foreign currency exchange","zip_code":"XXXXX","tags":"Older American","has_narrative":true,"complaint_id":"12825301","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-04-04T19:29:42.000Z","state":null,"company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["XXXX SUBMITTED ON XX/XX/year> PRODUCT <em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em> ISSUE Fraud or scam Issue unresolved"],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"],"sub_product":["Foreign <em>currency</em> exchange"]},"sort":[33.141308,"12825301"]},{"_index":"complaint-public-v1","_id":"16720193","_score":33.026466,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> PRODUCT Money transfer, virtual currency, or money service ISSUE Other transaction problem","date_sent_to_company":"2025-10-21T15:15:31.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"89119","tags":null,"has_narrative":true,"complaint_id":"16720193","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-10-21T15:07:52.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> PRODUCT <em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em> ISSUE Other transaction problem"],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"],"sub_product":["Domestic (US) <em>money</em> <em>transfer</em>"]},"sort":[33.026466,"16720193"]},{"_index":"complaint-public-v1","_id":"11208955","_score":30.605326,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"COMPLAINT ID XXXX SUBMITTED ON XX/XX/year>XXXX  PRODUCT Money transfer, virtual currency, or money service ISSUE Other transaction problem I GET NOWHERE! Each public organism and each bank, whether in the States or XXXX, just passes the buck? WHAT MUST I DO???","date_sent_to_company":"2024-12-19T06:29:18.000Z","issue":"Fraud or scam","sub_product":"Foreign currency exchange","zip_code":"XXXXX","tags":"Older American","has_narrative":true,"complaint_id":"11208955","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Revolut Technologies Inc.","date_received":"2024-12-19T06:23:39.000Z","state":null,"company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["COMPLAINT ID XXXX SUBMITTED ON XX/XX/year>XXXX  PRODUCT <em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em> ISSUE Other transaction problem I GET NOWHERE! Each public organism and each bank, whether in the States or XXXX, just passes the buck? WHAT MUST I DO???"],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"],"sub_product":["Foreign <em>currency</em> exchange"]},"sort":[30.605326,"11208955"]},{"_index":"complaint-public-v1","_id":"2776151","_score":29.77975,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Transferred money to the virtual currency service \" Coinbase ''. After confirmation funds had been transferred to the service, access to the website was restricted stating ; \" THIS REQUEST HAS BEEN RATE LIMITED You 're making too many requests to our servers from this computer, please wait an hour and try again. If the problem persists add a Bug Report. Sorry for the trouble! '' although no incorrect information had been entered. There are no options available to me to request my money back. \n\nFunds were transferred XX/XX/2017. \nFunds were confirmed to be transferred on XXXX XXXX.","date_sent_to_company":"2018-01-10T06:27:24.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"30189","tags":null,"has_narrative":true,"complaint_id":"2776151","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2018-01-10T01:16:58.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>Transferred</em> <em>money</em> to the <em>virtual</em> <em>currency</em> <em>service</em> \" Coinbase ''. After confirmation funds had been <em>transferred</em> to the <em>service</em>, access to the website was restricted stating ; \" THIS REQUEST HAS BEEN RATE LIMITED You 're making too many requests to our servers from this computer, please wait an hour and try again. If the problem persists add a Bug Report. Sorry for the trouble! '' although no incorrect information had been entered. There are no options available to me to request my <em>money</em> back."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"],"sub_product":["<em>Virtual</em> <em>currency</em>"]},"sort":[29.77975,"2776151"]},{"_index":"complaint-public-v1","_id":"6969836","_score":29.438509,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2020 PRODUCT Money transfer, virtual currency, or money service ISSUE Fraud or scam Please see the above referenced complaint - We never received any communication from BOFA- this issue still is NOT resolved and there is XXXX outstanding in addition to our attorneys fees of over XXXX. The complaint was closed and theres no conclusion","date_sent_to_company":"2023-07-05T23:02:59.000Z","issue":"Fraud or scam","sub_product":"International money transfer","zip_code":"920XX","tags":null,"has_narrative":true,"complaint_id":"6969836","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-05-12T23:00:36.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2020 PRODUCT <em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em> ISSUE Fraud or scam Please see the above referenced complaint - We never received any communication from BOFA- this issue still is NOT resolved and there is XXXX outstanding in addition to our attorneys fees of over XXXX. The complaint was closed and theres no conclusion"],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"],"sub_product":["International <em>money</em> <em>transfer</em>"]},"sort":[29.438509,"6969836"]},{"_index":"complaint-public-v1","_id":"6070144","_score":29.357931,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have two Chase bank credit cards. In XXXX was charged over {$120.00} in fees for XXXX. They claim I was given notice in first quarter. Notice was primarily about Chase XXXX and cash transaction piece was misleading, incomplete and unclear. They only refunded one charge on one card heres the language TERM WHAT IT MEANS Cash-like Transactions Cash-like transactions will be treated as cash advances. Cash-like transactions include, but are not limited to, the following transactions to the extent they are accepted : purchasing travelers checks, foreign currency, money orders, wire transfers, cryptocurrency, other similar digital or virtual currency and other similar transactions ; purchasing lottery tickets, casino gaming chips, race track wagers, and similar offline and online betting transactions ; person-to-person money transfers and account-funding transactions that transfer currency ; and making a payment using a third party service including bill payment transactions not made directly with the merchant or their service provider. \n\nI think the balance of charges should be refunded.","date_sent_to_company":"2022-10-10T15:56:09.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"29464","tags":"Older American","has_narrative":true,"complaint_id":"6070144","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-10-10T15:47:59.000Z","state":"SC","company_public_response":null,"sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["Cash-like transactions include, but are not limited to, the following transactions to the extent they are accepted : purchasing travelers checks, foreign <em>currency</em>, <em>money</em> orders, wire <em>transfers</em>, cryptocurrency, other similar digital or <em>virtual</em> <em>currency</em> and other similar transactions ; purchasing lottery tickets, casino gaming chips, race track wagers, and similar offline and online betting transactions ; person-to-person <em>money</em> <em>transfers</em> and account-funding transactions that <em>transfer</em> <em>currency</em> ; and"]},"sort":[29.357931,"6070144"]},{"_index":"complaint-public-v1","_id":"5318596","_score":28.741901,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I had a complaint with CFPB ID XXXX about Bank of the West. \nSUBMITTED XXXX PRODUCT Money transfer, virtual currency, or money service. \nUntil now almost 3 months passed by already and I did not get any respond how the investigation from Bank of the West to resolve my case. I am very despair, hopeless and have financial difficulty in life now. \nPlease help me to get over this burden in my XXXX and recovering the loss of the money. \nThank you very much","date_sent_to_company":"2022-03-14T14:09:02.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"92843","tags":null,"has_narrative":true,"complaint_id":"5318596","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF THE WEST","date_received":"2022-03-14T13:33:06.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["SUBMITTED XXXX PRODUCT <em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>. \nUntil now almost 3 months passed by already and I did not get any respond how the investigation from Bank of the West to resolve my case. I am very despair, hopeless and have financial difficulty in life now. \nPlease help me to get over this burden in my XXXX and recovering the loss of the <em>money</em>. \nThank you very much"],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"],"sub_product":["Domestic (US) <em>money</em> <em>transfer</em>"]},"sort":[28.741901,"5318596"]},{"_index":"complaint-public-v1","_id":"13016927","_score":28.633087,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"b\"Product: Money transfer, virtual currency, or money serviceXXXXIssue: Problem with a purchase or transfer XXXXCounterparty name: XXXX XXXX XXXX XXXXXXXX XXXXAmount: XXXX XXXXDate: XXXX XXXXCompany: PayPalXXXXWhat happened:XXXXI was charged XXXX fraudulently in XXXX XXXX opened a dispute with PayPal and XXXX XXXX immediately XXXX XXXX XXXX XXXX refunded my portion ($62.87)XXXXPayPal refused to refund the remaining XXXX despite multiple outreach attemptsXXXXThe case was closed without resolution, and I'm now being told escalation is impossible.\"","date_sent_to_company":"2025-04-16T14:17:47.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"44122","tags":null,"has_narrative":true,"complaint_id":"13016927","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-04-16T14:09:15.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["b\"Product: <em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>XXXXIssue: Problem with a purchase or <em>transfer</em> XXXXCounterparty name: XXXX XXXX XXXX XXXXXXXX XXXXAmount: XXXX XXXXDate: XXXX XXXXCompany: PayPalXXXXWhat happened:XXXXI was charged XXXX fraudulently in XXXX XXXX opened a dispute with PayPal and XXXX XXXX immediately XXXX XXXX XXXX XXXX refunded my portion ($62.87)XXXXPayPal refused to refund the remaining XXXX despite multiple outreach attemptsXXXXThe case was closed without resolution,"],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"]},"sort":[28.633087,"13016927"]},{"_index":"complaint-public-v1","_id":"19663772","_score":27.250954,"_source":{"product":"Checking or savings account","complaint_what_happened":"I previously filed a complaint against BMO Bank COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> PRODUCT Money transfer, virtual currency, or money service ISSUE Trouble accessing funds in your mobile or digital wallet They did respond and mailed me a cashiers check for {$950.00} but are unwilling to verify the check so I am unable to get it cashed. I would like this to be resolved immediately or I would like them to be liable for all the expenses and late fees, and time I have wasted in dealing with all this. Can you please help me resolve this issue?","date_sent_to_company":"2026-02-20T20:10:32.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"42101","tags":null,"has_narrative":true,"complaint_id":"19663772","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BMO BANK NATIONAL ASSOCIATION","date_received":"2026-02-20T20:02:12.000Z","state":"KY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Cashing a check"},"highlight":{"complaint_what_happened":["I previously filed a complaint against BMO Bank COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> PRODUCT <em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em> ISSUE Trouble accessing funds in your mobile or digital wallet They did respond and mailed me a cashiers check for {$950.00} but are unwilling to verify the check so I am unable to get it cashed."]},"sort":[27.250954,"19663772"]},{"_index":"complaint-public-v1","_id":"8812972","_score":27.172836,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Please reference previous complaint : XXXX complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2024 PRODUCT Money transfer, virtual currency, or money service ISSUE Money was not available when promised PAYPAL has increased my withdrawal limits, but they are now prohibiting we from withdrawing by forcing me to again \" verify identity '' and providing no means to do so. They are forcing me to enter a text message code that never arrives, and they provide no other method to \" verify identity ' even when I call them on the phone number they are supposedly sending a text message to. Customer service suggested I : \" try again in 4-5 days. '' THIS IS UNACCEPTABLE AND I REQUIRE IMMEDIATE ACCESS TO MY PROPERTY.","date_sent_to_company":"2024-04-19T23:26:26.000Z","issue":"Money was not available when promised","sub_product":"Virtual currency","zip_code":"334XX","tags":null,"has_narrative":true,"complaint_id":"8812972","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2024-04-19T23:16:25.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Please reference previous complaint : XXXX complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2024 PRODUCT <em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em> ISSUE <em>Money</em> was not available when promised PAYPAL has increased my withdrawal limits, but they are now prohibiting we from withdrawing by forcing me to again \" verify identity '' and providing no means to do so."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"],"issue":["<em>Money</em> was not available when promised"],"sub_product":["<em>Virtual</em> <em>currency</em>"]},"sort":[27.172836,"8812972"]},{"_index":"complaint-public-v1","_id":"4333569","_score":27.15708,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On Sunday, XX/XX/2021, when I wake up around XXXX and tried to check email, I could not sign in. Then I checked my coinbase pro account to see the activity, it was also not letting me in. Then I realized my XXXX XXXX service was out, but internet was working through my home Wi-Fi. I tried to reset my XXXX account as well as coinbase pro account. I went to coinbase support and email about the incident. After several attempts, I was able to reset my password for email. Then I realize my t mobile service was back and was able to reset coinbase account. I saw all my virtual currency was stolen and left with approximately {$160.00} cash balance. But after few minutes the coinbase pro account signed out automatically and locked. I emailed coinbase support again about the account transaction. Then I immediately called XXXX XXXX customer service about the incident. XXXX XXXX representative acknowledge that my sim was swapped by an unauthorized person around XXXX in the morning and the fraud department later detect the fraud and redirect the sim back to my phone. During this couple of hours of time frame the hacker was able to get into my email, change the email password, get into my coinbase pro account, change the password, and transfer the virtual currency. Also, the hacker deposit {$1000.00} instantly from my linked bank account to buy more virtual currency and transfer that too. I found that Monday morning when I was checking my bank account. It shows as the transaction to coinbase was in process of transferring from my Bank. Since I called my bank on Sunday to stop all transaction from coinbase, they were able to reverse back that {$1000.00} transaction. I informed this issue to coinbase support too. I got a case number from coinbase, but my account is locked. Try to call coinbase customer support but can not have live person to report. Not sure how coinbase is handling the case. Need help to get my money back. Also, called t mobile several times regarding sim swap, they accept its their fault but not willing to compensate the loss. Do not know where to call or how to get help to get my money back. Please help. Thank you.","date_sent_to_company":"2021-04-28T15:33:34.000Z","issue":"Other transaction problem","sub_product":"Virtual currency","zip_code":"622XX","tags":null,"has_narrative":true,"complaint_id":"4333569","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2021-04-28T15:01:10.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Then I immediately called XXXX XXXX customer <em>service</em> about the incident. XXXX XXXX representative acknowledge that my sim was swapped by an unauthorized person around XXXX in the morning and the fraud department later detect the fraud and redirect the sim back to my phone. During this couple of hours of time frame the hacker was able to get into my email, change the email password, get into my coinbase pro account, change the password, and <em>transfer</em> the <em>virtual</em> <em>currency</em>."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"],"sub_product":["<em>Virtual</em> <em>currency</em>"]},"sort":[27.15708,"4333569"]},{"_index":"complaint-public-v1","_id":"1817562","_score":26.997398,"_source":{"product":"Money transfers","complaint_what_happened":"I use PayPal to send virtual currency to friends and family, as well as purchase items from internet shopping sites. But last year PayPal limited my account for some violation of the Terms of Service that I was unaware of and immediately placed my money on hold ( About {$400.00} ) I have sent several nice emails to them to possibly request the early release of my funds but they do n't respond. I have also called and am almost immediately \" transferred '' but every time the connection gets lost during that transfer process. So a friend advised me to file a complaint through this website about PayPal holding onto my money for no reason.","date_sent_to_company":"2016-03-05T03:22:54.000Z","issue":"Other service issues","sub_product":"Domestic (US) money transfer","zip_code":"283XX","tags":null,"has_narrative":true,"complaint_id":"1817562","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2016-03-05T03:22:54.000Z","state":"NC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I use PayPal to send <em>virtual</em> <em>currency</em> to friends and family, as well as purchase items from internet shopping sites. But last year PayPal limited my account for some violation of the Terms of <em>Service</em> that I was unaware of and immediately placed my <em>money</em> on hold ( About {$400.00} ) I have sent several nice emails to them to possibly request the early release of my funds but they do n't respond."],"product":["<em>Money</em> transfers"],"issue":["Other <em>service</em> issues"],"sub_product":["Domestic (US) <em>money</em> <em>transfer</em>"]},"sort":[26.997398,"1817562"]},{"_index":"complaint-public-v1","_id":"11244289","_score":26.62216,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Under Section 910 of EFTA, Financial institutions have a responsibility to their customers under any circumstances to maintain any amount of money transfer. \n\nDifferent from online virtual competitors, where you are simply trading the equivalent of virtual credits, Zelle was actual account to account transfer. It was suppose to cut out the need for a third-party dark pool, And it was FDIC insured . So if the financial institution had an issue, and that aforementioned section 910 became applicable, your customer would not lose such money. \n\nHeres the problem. We can pull inspiration from the collapse of XXXX XXXX. The financial institutions had to come together and set up a pool of money. They also had to drain the existing insurance account and refill it. \n\nWhen you look at the type of money missing from Zelle, assuming your standard {$250000.00}, you get about XXXX customers from the $ XXXX that is missing. Its actually a lot more customers than that because most transactions arent even close to {$250000.00}. \n\nOur existing Insurance, FDIC, XXXX, and NCUA, they arent enough, overlap. They all accomplished generally the same thing. For the same people. And same companies. Just for different reasons. And generally are not funded with enough money to get the job done. Thats the need for the executive fund to save the failing regional banks. Which is a good solution to me, taking it from the decision maker. \n\nIntegration of account to account transfers and efficient insurance safety nets into our XXXX centralized baking system is ideal. Allowing for-profit competitors to drive such decisions, instead of having them privatizing the necessary infrastructure, can destabilize an otherwise balanced action. \n\nXXXX Tells us that these financial institutions have a responsibility. Beyond just their shareholders, beyond just their interest, beyond their loan rates. To expect your customers, the taxpayer, or the shareholder, to refill the insurance, that bail out the banks, for decisions that the bank executives make, is inappropriate. Furthermore, these fiduciaries, whether the executive or business itself, get bonuses and incentives for things like increased transfers and holdings which having said service would do. \n\nXXXX XXXX, My fear with Zelle, and her competitors, is that we are violating 5 CFR 2635.702, and 7 usc 9, and most importantly 18 usc 666 These XXXX financial institutions and its competitors have a responsibility due to the public funding they receive in order to maintain this banking system for us. \n\nSo now Anyone whos lost money in this environment has a claim against those companies. For breach of fiduciary responsibility. For breach of financial institution and transactional responsibility. For breach of personal and public commerce responsibility But! by driving away this account to account transfer in order for the executives or the company to avoid liability, we are prioritizing other third-party transaction companies. Businesses like debit and credit card processing. Also uninsured Credits virtual currency trading that do not have fair market collateral value and violate 31 usc 5103. \n\nIn certain cases, you can see where these third-party transactional companies and virtual credits, be that XXXX or XXXX ( the dark pools and virtual credits used to facilitate the transaction ), show to actually unbalance the system. They practically operate as ancillary currency. Which makes commerce difficult when you have to use one currency to get to the second currency in order to pay for the third thing.\n\nIn all of this something thats gone unanswered are companies like XXXX. In my life, I prefer external account set up rather than something like XXXX  and XXXX. Many customers use these third-party transactional companies to connect banks and connect finances. Forcing me to sell my financial transactions to this third-party, Just to simply access my money. \n\nRestricting currency transfers and account to accounts transfers in any capacity, or prioritizing data driven profit, would manipulate the market and stabilize our supposedly balanced XXXX XXXX \n\nI would be concerned our decision-makers ( who are allowed to make decisions that are equivalent to insider trading ) could easily manipulate the actual investment banks that run the stock market, our retirement accounts, our financial institutions, the tradables like currencies, commodities, and crypto. prioritizing existing XXXX XXXX companies who are poised to make money off of the sale of customers data, rather than prioritizing, safe and secure transactions That support a balanced global financial network. \n\nThis concern extends to Under 53 usc 30114 ( a ) ( 2 ), where campaign contributions can be used for official acts of these decision-makers. Many of the aforementioned Government contracts and traded securities, Lobby for this exact reason. Its easy to see where our decision-makers can get Swayed into making the wrong decision in order to get reelected. Luckily, our laws protect them and us from that natural phenomenon that lobbyist, XXXX, and campaign contributors take advantage of. \n\nI dont wan na worry about my retirement account because someone elses bank couldnt figure out how to transfer a couple XXXX dollars properly. \n\nAnd I certainly Dont want it to be more difficult to spend, transfer, and receive Currency because I have to integrate a data Point- a data point of my personal information, that Im not even getting paid for. \n\nAnd lastly, I do not want to compromise an otherwise balanced system, in order to incentivize an executive, or reelect a politician, Or manipulate a share price.","date_sent_to_company":"2024-12-21T17:37:12.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"121XX","tags":null,"has_narrative":true,"complaint_id":"11244289","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2024-12-21T15:41:10.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Under Section 910 of EFTA, Financial institutions have a responsibility to their customers under any circumstances to maintain any amount of <em>money</em> <em>transfer</em>. \n\nDifferent from online <em>virtual</em> competitors, where you are simply trading the equivalent of <em>virtual</em> credits, Zelle was actual account to account <em>transfer</em>. It was suppose to cut out the need for a third-party dark pool, And it was FDIC insured ."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"],"company":["Early Warning <em>Services</em>, LLC"],"sub_product":["Domestic (US) <em>money</em> <em>transfer</em>"]},"sort":[26.62216,"11244289"]},{"_index":"complaint-public-v1","_id":"11052460","_score":26.571018,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I`ve virtual currency invested via Robinhood.com . Recently, I tried to move the funds from Robinhood to another service provider as I was not happy with their service. They asked me to provide ID proof to verify my identity so that I can transfer the funds. I provided the requested ID proof multiple times, spent more than 10 hours on the chat and tried ways to get in touch with a representative but no avail. I searched online and there are 100s of compliants of poort service by this company and no one has taken any action against them. Please do something and help us get our money back. I`m worried these people are scam.","date_sent_to_company":"2024-12-17T19:23:37.000Z","issue":"Money was not available when promised","sub_product":"Virtual currency","zip_code":"95138","tags":null,"has_narrative":true,"complaint_id":"11052460","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ROBINHOOD MARKETS INC.","date_received":"2024-12-06T05:58:34.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I`ve <em>virtual</em> <em>currency</em> invested via Robinhood.com . Recently, I tried to move the funds from Robinhood to another <em>service</em> provider as I was not happy with their <em>service</em>. They asked me to provide ID proof to verify my identity so that I can <em>transfer</em> the funds. I provided the requested ID proof multiple times, spent more than 10 hours on the chat and tried ways to get in touch with a representative but no avail."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"],"issue":["<em>Money</em> was not available when promised"],"sub_product":["<em>Virtual</em> <em>currency</em>"]},"sort":[26.571018,"11052460"]},{"_index":"complaint-public-v1","_id":"14174409","_score":25.47864,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Company Name : SoFi Product : Money transfer, virtual currency, or money service Issue : Money was not delivered or received Description of the issue : I submitted a Pay-to-Friend transfer through SoFi on XX/XX/year>, for {$5000.00} to my husbands XXXX  XXXX bank account. The funds have not been received as of today ( [ insert todays date ] ), and there has been no resolution or meaningful response from SoFi support.\n\nI have contacted both SoFi and XXXX XXXX multiple times, but I have received no clear status update, no confirmation of the transactions failure or success, and no refund.\n\nI have also requested escalation through SoFi support channels without any result. I believe this lack of transparency and accountability for a missing {$5000.00} transfer is unacceptable.\n\nI am requesting the CFPBs assistance in getting SoFi to : Acknowledge the status of the transfer Refund the {$5000.00} if it was not delivered Provide a timely and documented resolution Thank you for your help in resolving this matter.","date_sent_to_company":"2025-06-19T19:46:55.000Z","issue":"Money was not available when promised","sub_product":"Domestic (US) money transfer","zip_code":"32765","tags":null,"has_narrative":true,"complaint_id":"14174409","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SOFI TECHNOLOGIES, INC.","date_received":"2025-06-19T19:37:38.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Company Name : SoFi Product : <em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em> Issue : <em>Money</em> was not delivered or received Description of the issue : I submitted a Pay-to-Friend <em>transfer</em> through SoFi on XX/XX/year>, for {$5000.00} to my husbands XXXX  XXXX bank account. The funds have not been received as of today ( [ insert todays date ] ), and there has been no resolution or meaningful response from SoFi support."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"],"issue":["<em>Money</em> was not available when promised"],"sub_product":["Domestic (US) <em>money</em> <em>transfer</em>"]},"sort":[25.47864,"14174409"]},{"_index":"complaint-public-v1","_id":"2775894","_score":25.439985,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I sent money to Coinbase Inc to purchase virtual currency, and to that point it 's worked fine. I now wish to withdraw funds but they have not validated by bank account to make the transfer back to me. \n\nTo validate they require you to send a SEPA transfer of at least XXXX euros, and they say they will validate your account within 2 days of receiving the funds and then you 'll be able to make withdrawals. \n\nI sent the SEPA transfer on XX/XX/XXXX, I received an email from them confirming their receipt of the funds and it 's currently showing in my Coinbase wallet as received, but they have still not validated my account, so I still can not withdraw funds. \n\nI 've sent 2 customer service requests to them with issue numbers : # XXXX and # XXXX. But to date they have not responded. I 've tried contacting them by twitter too but no response.","date_sent_to_company":"2018-01-08T09:47:19.000Z","issue":"Managing, opening, or closing your mobile wallet account","sub_product":"Mobile or digital wallet","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"2775894","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2018-01-08T09:30:20.000Z","state":null,"company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I sent <em>money</em> to Coinbase Inc to purchase <em>virtual</em> <em>currency</em>, and to that point it 's worked fine. I now wish to withdraw funds but they have not validated by bank account to make the <em>transfer</em> back to me. \n\nTo validate they require you to send a SEPA <em>transfer</em> of at least XXXX euros, and they say they will validate your account within 2 days of receiving the funds and then you 'll be able to make withdrawals."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"]},"sort":[25.439985,"2775894"]},{"_index":"complaint-public-v1","_id":"6127210","_score":24.968285,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"{$9.00} I had open up a virtual account to invest in crypto currency with Kraken website kraken.com. I open an account with a a modest transfer ( as test ) of {$10.00} to purchase a crypto currency symbol USDC. Did a transfer on XX/XX/2022, kraken took a modest transfer fee of XXXX cents. Had total credited amount of {$9.00} which I used to buy the USDC crypto currency. Received email XX/XX/XXXX advising me, they were closing my account due to security reasons, that they could not disclose and I had 3 days to transfer my account funds. I contacted there customer service desk. Spoke with a nice fella named XXXX, and explained to him about receiving the email, he said he could not speak on the matter, but he would escalate the matter. Well I called and emailed the original source sender of the email, kept getting the same stonewall message I need to transfer my funds from kraken to another account from kraken, for security reasons, that they could not discuss. I did transfer my money I least I thought I did to XXXX. But they seem to have never received it. My kraken account has been closed and my money is no where to be found. I took screen shots of my account showing the funds in the account. So I do have documentation. In addition to do the involuntary forced they took a fee of {$3.00} for transferring, which is quite absorbent. I look online if this has happened to others, it has. This highly unusual and bizarre coming from a company that seems to backed by very large institutions. I did research. XXXX going with them as being the most trustworthy based on the players backing this company. It seems my trust was mislayed. I like my money back. \n\nSincerely XXXX XXXX XXXX. : : XXXX XXXX XXXX","date_sent_to_company":"2022-11-15T20:53:11.000Z","issue":"Unexpected or other fees","sub_product":"Virtual currency","zip_code":"77083","tags":"Older American","has_narrative":true,"complaint_id":"6127210","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Payward Ventures Inc. dba Kraken","date_received":"2022-10-25T23:57:35.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["{$9.00} I had open up a <em>virtual</em> account to invest in crypto <em>currency</em> with Kraken website kraken.com. I open an account with a a modest <em>transfer</em> ( as test ) of {$10.00} to purchase a crypto <em>currency</em> symbol USDC. Did a <em>transfer</em> on XX/XX/2022, kraken took a modest <em>transfer</em> fee of XXXX cents. Had total credited amount of {$9.00} which I used to buy the USDC crypto <em>currency</em>."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"],"sub_product":["<em>Virtual</em> <em>currency</em>"]},"sort":[24.968285,"6127210"]},{"_index":"complaint-public-v1","_id":"15279036","_score":24.964111,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Category : Money transfer, virtual currency, or money service Virtual currency What happened : I have been a Coinbase customer for several years. Since late XX/XX/year>, my account has been completely restricted from sending or withdrawing cryptocurrency. I can log in and see my assets approximately {$27000.00} but every attempt to transact is blocked with the messages : Sending unavailable. To protect you from potential loss, you are currently unable to send XXXX. \nWithdrawing unavailable. To protect you from potential loss, you are currently unable to withdraw crypto. \nOver the past seven weeks, I have contacted Coinbases Help Center four times. Each time, I was told to re-verify my identification. I have completed this process multiple times most recently two weeks ago and received confirmation that my ID was verified. However, the restriction remains, and today I was told to repeat the process yet again without any valid explanation. \n\nCoinbase has not provided a clear reason or timeline for this prolonged freeze, despite my full compliance with their requests. This has effectively locked me out of my own funds for nearly two months.\n\nI am concerned that this prolonged retention of customer funds without resolution may violate applicable consumer protection and money services laws. \n\nWhat I want : I am requesting that Coinbase immediately either : Fully restore my account functionality so I can send and withdraw cryptocurrency as normal ; or Release all of my funds so I can withdraw them from the platform without further obstruction.\n\nAmount involved : {$27000.00} ( approximate ) Supporting documentation : I can provide screenshots of error messages, verification confirmations, and detailed call logs upon request.","date_sent_to_company":"2025-08-14T16:32:40.000Z","issue":"Money was not available when promised","sub_product":"Virtual currency","zip_code":"11369","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"15279036","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2025-08-14T16:19:15.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Category : <em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em> <em>Virtual</em> <em>currency</em> What happened : I have been a Coinbase customer for several years. Since late XX/XX/year>, my account has been completely restricted from sending or withdrawing cryptocurrency. I can log in and see my assets approximately {$27000.00} but every attempt to transact is blocked with the messages : Sending unavailable. To protect you from potential loss, you are currently unable to send XXXX. \nWithdrawing unavailable."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"],"issue":["<em>Money</em> was not available when promised"],"sub_product":["<em>Virtual</em> <em>currency</em>"]},"sort":[24.964111,"15279036"]},{"_index":"complaint-public-v1","_id":"15194718","_score":24.650724,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"For XXXX XXXX payment ( XXXX ) Product : Money transfer, virtual currency, or money service Issue : Problem with a payment or transfer Company : XXXX XXXX XXXX XXXX ( payment processor for JoGip ) Short complaint text ( paste ) : On XX/XX/year> I paid my rent through XXXX XXXX XXXX, Conf. # XXXX, {$2500.00}. The transaction later showed rejected/insufficient, but I was not given a clear reason code, cure steps, or a written path to complete ACH/e-check tender without extra fees. On XX/XX/year> I delivered supporting documents to XXXX ; they refused to acknowledge receipt or provide processing guidance. I am not refusing paymentI want the payment accepted and any related fees reversed. Please require XXXX to provide the precise reject code, a written remedy path to complete ACH, fee reversal where appropriate, and a ledger confirming my balance after acceptance.","date_sent_to_company":"2025-09-07T21:22:01.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"75061","tags":null,"has_narrative":true,"complaint_id":"15194718","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AppFolio, Inc.","date_received":"2025-08-10T19:00:51.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["For XXXX XXXX payment ( XXXX ) Product : <em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em> Issue : Problem with a payment or <em>transfer</em> Company : XXXX XXXX XXXX XXXX ( payment processor for JoGip ) Short complaint text ( paste ) : On XX/XX/year> I paid my rent through XXXX XXXX XXXX, Conf. # XXXX, {$2500.00}. The transaction later showed rejected/insufficient, but I was not given a clear reason code, cure steps, or a written path to complete ACH/e-check tender without extra fees."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"],"sub_product":["Domestic (US) <em>money</em> <em>transfer</em>"]},"sort":[24.650724,"15194718"]},{"_index":"complaint-public-v1","_id":"2774040","_score":24.380182,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Transferred XXXX LiteCoins into my GDAX.com account from a external site. XXXX received the money on their sister site ( XXXX ). Coinbase shows as having received these XXXX Litecoins. Coinbase then automatically forwarded these funds into my XXXX account. These transfers are instantaneous and free. Coinbase confirmed receiving the funds, and confirmed sending the funds to my XXXX account. \n\nMy XXXX account never received the funds. They never even showed up as a pending or complete transfer in XXXX. Somewhere between coinbase and XXXX, they simply disappeared. I called XXXX the same day. Was told by the customer service rep that I was n't the first person calling about this today. As of right now, coinbase/XXXX are holding approximately {$11000.00} worth of virtual currency XXXX. It 's now been 4 days. I have no correspondence from them since my first email and call. My trouble ticket or case number is # XXXX. \n\nPlease help me to recover my funds that they lost!","date_sent_to_company":"2018-01-07T06:29:54.000Z","issue":"Money was not available when promised","sub_product":"Virtual currency","zip_code":"22032","tags":"Servicemember","has_narrative":true,"complaint_id":"2774040","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2018-01-07T01:15:37.000Z","state":"VA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["They never even showed up as a pending or complete <em>transfer</em> in XXXX. Somewhere between coinbase and XXXX, they simply disappeared. I called XXXX the same day. Was told by the customer <em>service</em> rep that I was n't the first person calling about this today. As of right now, coinbase/XXXX are holding approximately {$11000.00} worth of <em>virtual</em> <em>currency</em> XXXX. It 's now been 4 days. I have no correspondence from them since my first email and call. My trouble ticket or case number is # XXXX."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"],"issue":["<em>Money</em> was not available when promised"],"sub_product":["<em>Virtual</em> <em>currency</em>"]},"sort":[24.380182,"2774040"]},{"_index":"complaint-public-v1","_id":"9995575","_score":23.372036,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"i had my cash app account hi jacked, i was unable to reach cash app, theyt had no phone number at the time, no XXXX hour emergency service, no way for me to contact them when i knew that my phone was stolen and i immedietly needed to contact them. this happened in XXXX  and i have sense been locked out of my own account. no matter how many people i talked to at cash app i recieved the same response, disconected from the call or an email saying they cant help me and it is what it is. basicallky saying they are not going to cinduct business in a lawfull manner. i had to file a claim with cfpb case number XXXX in order to get some assistance. after i filed this claim cash app quickly addmitted to there error and credited my account then proceeded to close my account. the amount given was not accurate and they gave me USD but this is not what was stolen, bit coin was stolen and this is what i requested to be returned. my initial cash investment according to the account history was XXXX USD XXXX XXXX  is what i purchased and is what was stolen.cash app recently admitted to fault and credited me only XXXX USD I'm not sure of how many XXXX  that is. but i know the value of XXXX SAT is today worth XXXX USD and that is exactly what was stolen, and cash app negligently allowed for someone to access me, not provide me with any platform to communicate with them on other then delayed email resposes from them transfering me around and a automated emailer with generic emails.","date_sent_to_company":"2024-09-02T06:23:02.000Z","issue":"Other transaction problem","sub_product":"Virtual currency","zip_code":"95354","tags":null,"has_narrative":true,"complaint_id":"9995575","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2024-09-02T05:49:36.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["i had my cash app account hi jacked, i was unable to reach cash app, theyt had no phone number at the time, no XXXX hour emergency <em>service</em>, no way for me to contact them when i knew that my phone was stolen and i immedietly needed to contact them. this happened in XXXX  and i have sense been locked out of my own account. no matter how many people i talked to at cash app i recieved the same response, disconected from the call or an email saying they cant help me and it is what it is. basicallky saying"],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"],"sub_product":["<em>Virtual</em> <em>currency</em>"]},"sort":[23.372036,"9995575"]},{"_index":"complaint-public-v1","_id":"9995123","_score":23.372036,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/year>, I used XXXX XXXX to transfered USD {$XXXX} to XXXX. After few days, I was told that this transaction was canceled. I called XXXX and asked for the refund. They requested me to provided my transaction number, phone number, and home address. They said they will refund the full amount to me within 30 days. I waited few months, and I did not received the check. On XX/XX/year>, I submitted a complaint online with the XXXX, but I still haven't receive any response from XXXX. So I am trying to file a new complaint with the CFPB, I hope the cfpb could help me to get my money back.","date_sent_to_company":"2024-09-02T06:20:53.000Z","issue":"Other transaction problem","sub_product":"International money transfer","zip_code":"91733","tags":null,"has_narrative":true,"complaint_id":"9995123","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Sigue Corp.","date_received":"2024-09-02T05:40:04.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["So I am trying to file a new complaint with the CFPB, I hope the cfpb could help me to get my <em>money</em> back."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"],"sub_product":["International <em>money</em> <em>transfer</em>"]},"sort":[23.372036,"9995123"]},{"_index":"complaint-public-v1","_id":"9991634","_score":23.372036,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Hi this is XXXX XXXX, On XX/XX/XXXX at XXXX XXXX, I went to the chase bank ( XXXX XXXX XXXX XXXX, XXXX, IL ), I want to deposit money at this bank 's ATM. Before I deposited money, there was nothing wrong on the ATM screen. It showed that everything was normal. Then I started to deposit money. I put my XXXX XXXX dollars in. I waited for about thirty seconds and the machine issued a receipt, but my money did not appear in my account. As the atm shows there is a problem. Then I started calling customer service ( XXXX ), but the Chase staff kept dragging me away and wouldn't give me money. At first, they said I would have to wait two working days, but later they told me to wait until XX/XX/XXXX, which is twelve working days. I really need this money now! Please help me!! thank you so much! \n\nThe last four digits of the debit card XXXX XXXX XXXX XXXX XXXXXXXX Term ID : XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-09-02T19:20:16.000Z","issue":"Confusing or missing disclosures","sub_product":"Check cashing service","zip_code":"61820","tags":null,"has_narrative":true,"complaint_id":"9991634","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-09-02T19:00:52.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Then I started calling customer <em>service</em> ( XXXX ), but the Chase staff kept dragging me away and wouldn't give me <em>money</em>. At first, they said I would have to wait two working days, but later they told me to wait until XX/XX/XXXX, which is twelve working days. I really need this <em>money</em> now! Please help me!! thank you so much! \n\nThe last four digits of the debit card XXXX XXXX XXXX XXXX XXXXXXXX Term ID : XXXX XXXX XXXX XXXX XXXX"],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"],"sub_product":["Check cashing <em>service</em>"]},"sort":[23.372036,"9991634"]},{"_index":"complaint-public-v1","_id":"9990386","_score":23.372036,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Thank you to whomever reads this, I paid {$83.00} USD to a \" company '', that soon, to be revealed fraud. I never received my goods, I thought was going to and was expecting it but didn't. So naturally as anyone would, I disputed it on PayPal. Seeing as I had gotten no response from the seller and have not received my goods. What PayPal said? They said that my case is illegible for their review. Because Ive filed too many disputes apparently, which only were from the same person that scammed me. They sided with the scammer, and the scammer kept their stolen money. I dont see how this classifies as okay without any further inspection. I have filed a case with the XXXX and will close it once I receive my money back. I might do higher legality measures and taking it to court if needed. Thank you. If you care about your long term customers you wouldnt let such a mistake slip by. The transaction ID is XXXX. My PayPal email is XXXX XXXX","date_sent_to_company":"2024-09-02T22:30:05.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"32818","tags":null,"has_narrative":true,"complaint_id":"9990386","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2024-09-02T22:22:03.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["They sided with the scammer, and the scammer kept their stolen <em>money</em>. I dont see how this classifies as okay without any further inspection. I have filed a case with the XXXX and will close it once I receive my <em>money</em> back. I might do higher legality measures and taking it to court if needed. Thank you. If you care about your long term customers you wouldnt let such a mistake slip by. The transaction ID is XXXX. My PayPal email is XXXX XXXX"],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"]},"sort":[23.372036,"9990386"]},{"_index":"complaint-public-v1","_id":"9986870","_score":23.372036,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I use Venmo for the usual things sending money back and forth between friends, my son had actually been trying to raise money for his trip to XXXX XXXX XXXX in XXXX XXXX for XXXX XXXX and friends had donated money for him to go. Venmo kept it and still has it, luckily we were able to raise enough locally to allow him the chance for this XXXX year old boy to fulfill his dream still but they have still stolen his money raised. Making up a lie without proof of anything and refused to provide any proof saying they don't have to. Multiple threads online prove that this company does this often without reason and should be held accountable. \n\nXXXX XXXX XXXX Thank you for contacting us. \n\nAfter reviewing your account, we have determined that it is not eligible for reactivation due to concerns regarding your activity. Your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do it is to help improve the safety of the Venmo community. \n\nIf you are reaching out to inquire about a remaining balance in your account, please know that the funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. \n\nPlease be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. \n\nThank you for your understanding. \n\nTeam Venmo","date_sent_to_company":"2024-09-02T11:28:41.000Z","issue":"Other transaction problem","sub_product":"Virtual currency","zip_code":"64119","tags":null,"has_narrative":true,"complaint_id":"9986870","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2024-09-02T11:18:45.000Z","state":"MO","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I use Venmo for the usual things sending <em>money</em> back and forth between friends, my son had actually been trying to raise <em>money</em> for his trip to XXXX XXXX XXXX in XXXX XXXX for XXXX XXXX and friends had donated <em>money</em> for him to go. Venmo kept it and still has it, luckily we were able to raise enough locally to allow him the chance for this XXXX year old boy to fulfill his dream still but they have still stolen his <em>money</em> raised."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"],"sub_product":["<em>Virtual</em> <em>currency</em>"]},"sort":[23.372036,"9986870"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":183884,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":119194},{"key":0,"key_as_string":"false","doc_count":64690}]}},"product":{"doc_count":119194,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Money transfer, virtual currency, or money service","doc_count":119180,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Domestic (US) money 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