{"took":130,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":13,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"12825301","_score":43.45201,"_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 <em>Fraud</em> or <em>scam</em> Issue unresolved"],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"],"issue":["<em>Fraud</em> or <em>scam</em>"],"sub_product":["Foreign <em>currency</em> exchange"]},"sort":[43.45201,"12825301"]},{"_index":"complaint-public-v1","_id":"6969836","_score":38.620796,"_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 <em>Fraud</em> or <em>scam</em> 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>"],"issue":["<em>Fraud</em> or <em>scam</em>"],"sub_product":["International <em>money</em> <em>transfer</em>"]},"sort":[38.620796,"6969836"]},{"_index":"complaint-public-v1","_id":"15828478","_score":28.152729,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Category : Money transfer, virtual currency, or money service Sub-category : Fraud or scam Company : Block, Inc. ( Cash App ) Amount Lost : $ XXXX Date Range : [ Insert start and end dates of transactions ] Resolution Sought : Full restitution, internal investigation, platform reform -- - Narrative : > I am a survivor of financial fraud and emotional coercion involving over {$12000.00} sent through Cash App to a user operating under a false identity ( XXXX XXXXXXXX ). These payments were made under emotional manipulation and false promises. \n> > The recipient used a profile photo that deliberately obscured her facea woman in a dress holding a phone in front of her faceand a non-government name. Cash App failed to verify her identity, flag the pattern of 59+ high-value transfers, or intervene despite clear signs of exploitation.\n\n> > I have screenshots showing the transaction history, the imbalance between amounts sent and received ( {$10000.00} sent vs. {$180.00} received ), and the emotional toll this has taken. I believe the recipient is a felon and that Cash Apps lack of verification protocols enabled her to exploit their platform without consequence.\n\n> > I am requesting full restitution and regulatory intervention. I intend to pursue civil action against Block , Inc. for their role in facilitating this abuse and for failing to protect consumers like me from preventable harm. \n\nAll of the fraudulent transactions occured in XXXX and XXXX of 2024.","date_sent_to_company":"2025-09-11T12:15:13.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"94606","tags":null,"has_narrative":true,"complaint_id":"15828478","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-09-10T01:53:19.000Z","state":"CA","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> Sub-category : <em>Fraud</em> or <em>scam</em> Company : Block, Inc. ( Cash App ) Amount Lost : $ XXXX Date Range : [ Insert start and end dates of transactions ] Resolution Sought : Full restitution, internal investigation, platform reform -- - Narrative : > I am a survivor of financial <em>fraud</em> and emotional coercion involving over {$12000.00} sent through Cash App to a user operating under a false identity ( XXXX XXXXXXXX )."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"],"issue":["<em>Fraud</em> or <em>scam</em>"]},"sort":[28.152729,"15828478"]},{"_index":"complaint-public-v1","_id":"19576984","_score":27.881315,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XXXX XXXX : PayPal , Inc . \nConsumer Product : Prepaid card, money transfer, or virtual currency -> Money transfer Complaint Narrative : I am filing this complaint against PayPal for failing to protect me against a documented fraudulent transaction and for summarily rejecting my dispute despite clear evidence of a scam. \n\nOn XX/XX/year>, I authorized a payment of {$49.00} to an individual ( Recipient : XXXX XXXX, Email : XXXX ) for XXXX services ( VIP access/QR codes ). Immediately upon receipt of the funds, the recipient engaged in \" bait-and-switch '' tactics and failed to provide the service. \n\nThe evidence of fraud is as follows : Non-Delivery : The seller provided a login and link that were immediately non-functional, claiming \" technical maintenance '' only after the funds were sent. \n\nFraudulent Misrepresentation : The seller made false claims about \" XXXX blocking access '' to justify the lack of delivery. \n\nInconsistent Information : The seller 's \" support '' persona admitted they did not have access to the product they had just sold. \n\nI provided PayPal with timestamped chat logs showing the sellers immediate pivot to excuses once the money was transferred. PayPals \" Purchase Protection '' is intended to cover services not received. By rejecting my claim, PayPal is allowing a known fraudulent actor to use their platform to solicit funds under false pretenses and move those funds out of the reach of the consumer. \n\nI am requesting that the CFPB compel PayPal to re-examine the evidence provided, reverse this fraudulent transaction, and investigate the recipient 's account for suspicious activity. \n\nDesired Resolution : A full refund of {$49.00} and a formal review of the recipient 's account to prevent further consumer harm.","date_sent_to_company":"2026-02-18T02:21:16.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"94043","tags":null,"has_narrative":true,"complaint_id":"19576984","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-02-18T02:14:47.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Consumer Product : Prepaid card, <em>money</em> <em>transfer</em>, or <em>virtual</em> <em>currency</em> -> <em>Money</em> <em>transfer</em> Complaint Narrative : I am filing this complaint against PayPal for failing to protect me against a documented fraudulent transaction and for summarily rejecting my dispute despite clear evidence of a <em>scam</em>. \n\nOn XX/XX/year>, I authorized a payment of {$49.00} to an individual ( Recipient : XXXX XXXX, Email : XXXX ) for XXXX <em>services</em> ( VIP access/QR codes )."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"],"issue":["<em>Fraud</em> or <em>scam</em>"],"sub_product":["<em>Virtual</em> <em>currency</em>"]},"sort":[27.881315,"19576984"]},{"_index":"complaint-public-v1","_id":"18953621","_score":26.056993,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Product : Money transfer, virtual currency, or money service Sub-product : Mobile or digital wallet ( XXXX  ) Company Name : PayPal Holdings , Inc. ( XXXX  ) Description of Complaint : I am filing this complaint against XXXX  ( PayPal Holdings , Inc. ) regarding their failure to investigate a fraudulent transaction and protect me as a consumer. \n\nOn XX/XX/XXXX, [ Insert Year ], I was the victim of a scam where I sent {$300.00} to a user named XXXX XXXX. This payment was made under the specific agreement that it was for the purchase of goods ( a food commissary box for an XXXX  ). The goods were never delivered, and it has been confirmed that the recipient misrepresented the transaction to defraud me. \n\nI have attempted to resolve this through XXXX  's internal dispute process, but they have failed to provide a resolution or adequately review my evidence. \n\nGoods Not Received : I paid for specific goods that were not provided. \n\nEvidence Provided : I have uploaded clear documentation to XXXX  proving that I do not know the recipient and that the transaction was based on false pretenses. \n\nLack of Support : Despite the transaction being a clear case of \" Goods and Services '' misrepresentation, XXXX  has not returned my funds and has been unresponsive to my follow-up attempts. \n\nI paid using my XXXX  Balance, and XXXX  is refusing to offer the same fraud protection that they would if I had used a bank card. I am requesting that the CFPB intervene to compel Venmo to review the evidence of fraud I have submitted and refund the {$300.00} stolen from me. \n\nDesired Resolution : I am seeking a full refund of the {$300.00} to my XXXX  account.","date_sent_to_company":"2026-01-23T15:31:36.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"383XX","tags":null,"has_narrative":true,"complaint_id":"18953621","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-01-23T15:23:04.000Z","state":"TN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Product : <em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em> Sub-product : Mobile or digital wallet ( XXXX  ) Company Name : PayPal Holdings , Inc. ( XXXX  ) Description of Complaint : I am filing this complaint against XXXX  ( PayPal Holdings , Inc. ) regarding their failure to investigate a fraudulent transaction and protect me as a consumer. \n\nOn XX/XX/XXXX, [ Insert Year ], I was the victim of a <em>scam</em> where I sent {$300.00} to a user named XXXX XXXX."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"],"issue":["<em>Fraud</em> or <em>scam</em>"]},"sort":[26.056993,"18953621"]},{"_index":"complaint-public-v1","_id":"20768256","_score":25.536886,"_source":{"product":"Checking or savings account","complaint_what_happened":"CFPB Complaint Description Product : Money transfer, virtual currency, or money services Issue : Fraud or scam / Unauthorized transaction Company : PayPal Holdings , Inc. \n\nDetailed Description : I am filing this complaint against XXXX for its failure to secure my account from persistent fraud and for its refusal to provide a Reasonable Accommodation under the Americans with XXXX XXXX ( XXXX ). \n\nXXXX. Failure to Stop Unauthorized Debits ( Regulation XXXX Violation ) : Since XX/XX/XXXX, a merchant identified as R and R Car Company ( XXXX XXXX ) has initiated over XXXX unauthorized \" pull '' attempts of {$1000.00} from my account. Despite my repeated reports to PayPal and reporting my card as lost/stolen, PayPal has XXXX to implement a permanent merchant block. On XX/XX/XXXX, PayPal issued a summary denial of my dispute ( Case # XXXX XXXX XXXX claiming \" not enough evidence '' despite XXXX documented attempts visible in their own system. This constitutes a bad-faith investigation under the XXXX XXXX Transfer Act ( Regulation XXXX ). \n\nXXXX. XXXX Violation / Denial of Reasonable Accommodation : As a XXXX individual, I formally requested a Reasonable Accommodation for \" effective communication '' under the XXXX, specifically requesting that all legal and dispute-related correspondence be handled via email. XXXX Account XXXX department ( XXXX : XXXX XXXX responded with a boilerplate rejection stating they \" do not accept via email ... any type of legal instrument. '' This is a direct denial of a protected accessibility request. \n\nXXXX. Merchant Fraud : The merchant in question utilized a fraudulent/spoofed CURE Insurance policy to initiate this contact, which has been reported to the Michigan Department XXXX XXXX and XXXX FBI ( XXXX ). PayPal is effectively facilitating wire fraud by allowing this merchant to continue attempting daily withdrawals. \n\nEvidence : a few of the XXXX emails attached. ( Overly burdensome )","date_sent_to_company":"2026-03-30T12:47:57.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"487XX","tags":null,"has_narrative":true,"complaint_id":"20768256","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-03-30T12:16:08.000Z","state":"MI","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["CFPB Complaint Description Product : <em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>services</em> Issue : <em>Fraud</em> or <em>scam</em> / Unauthorized transaction Company : PayPal Holdings , Inc. \n\nDetailed Description : I am filing this complaint against XXXX for its failure to secure my account from persistent <em>fraud</em> and for its refusal to provide a Reasonable Accommodation under the Americans with XXXX XXXX ( XXXX ). \n\nXXXX."]},"sort":[25.536886,"20768256"]},{"_index":"complaint-public-v1","_id":"8127487","_score":23.889896,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"This new Claim is to be apart of # XXXX BOA Called me Thursday XX/XX/XXXX at XXXX to advise me that someone named XXXX ( XXXX XXXX from there Executives Escalations team would call to go over things. I have called and left numerous Voice mails for a return call and nothing and no answers still. I will continue to file a new COMPLAINT Every week if I have to, I will also give all this information to my Attorney who is scheduling a call with the XXXX XXXX this week for an investigations of an almost 7 month since the date of incident. \n\n_____________________________________________________________________ XXXX complaint OPEN Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Money transfer, virtual currency, or money service ISSUE Fraud or scam We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT Fraud occurred on my Business Bank Account at XXXXXXXX XXXX An illegal wire was sent to Bank of America- Scammers Name where money was sent to XXXX XXXX XXXX XXXX XXXX FBI report was sent. This happened on XX/XX/XXXX and recall wire was sent several times from XXXXXXXX XXXX  More than XXXX have gone by. The illegal wire was {$520000.00} after Hackers sent this and a recall was imitated by XXXX  ASAP within 45 minute 's of happening. XXXX XXXX refused to pay money and is Stating BOA has to send money back. 90 days has passed and no respond from Bank of America to myself or to my Bank ( Branch Manager - XXXX XXXX XXXX XXXX. I have been forced to file XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy. I am trying to get an Attorney involved to take action from all of the Fraud. Bank of American has Neglected to fail to respond from a Hold Harness Letter from ( XXXXXXXX XXXX  ) and from any recalls that have been sent since XX/XX/XXXX. Now I'm forced to take any action I can to get answers. I have called 100 of times and several transcript records are listed with both Banks of Dates called with no responds.","date_sent_to_company":"2024-01-08T18:28:06.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"30024","tags":null,"has_narrative":true,"complaint_id":"8127487","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-01-08T18:14:23.000Z","state":"GA","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":[". \n\n_____________________________________________________________________ XXXX complaint OPEN Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT <em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em> ISSUE <em>Fraud</em> or <em>scam</em> We received your complaint. Thank you. \nWe will review your complaint."],"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":[23.889896,"8127487"]},{"_index":"complaint-public-v1","_id":"20035974","_score":22.290783,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"CFPB Complaint Company Name : PayPal Consumer Complaint Product : Money transfer, virtual currency Issue : Unexpected charge Complaint Description : I am filing this complaint due to a gross administrative error and a failure to investigate the correct transaction, resulting in a financial loss that occurred on XX/XX/year>. \n\nXXXX. Immediate Reporting & Misinformation : Within XXXX minutes of an accidental transaction ( Transaction ID : XXXX ), I contacted customer support. I was assured the transaction would be reversed. The representative provided me with a recipient email ( XXXX ) that was immediately flagged as \" invalid '' by the mail server { XXXX }. When I called back to report this, I was again told the funds would be recovered and not to worry. \n\nXXXX. Investigative Negligence : Despite my providing the specific Transaction ID and the name of the unintended recipient ( XXXX XXXX XXXX, the company 's \" investigation '' focused on a completely different, unrelated recipient. The actual culprit was never contacted or investigated. This clerical error by the investigators led to a judgment in favor of the wrong party. \n\nXXXX. Intentional Delay & Bank Deflection : I have been in continuous contact since XX/XX/year>. Each time, I was promised a resolution, effectively \" stringing me along '' until the XXXX dispute window elapsed. My funding source, XXXX XXXX has stated they can not assist because they are relying on the ( incorrect ) investigative data provided by the payment platform. \n\nXXXX. Resolution Requested : I am requesting a \" Manual Review '' of Transaction ID : XXXX. The company must acknowledge that they investigated the wrong transaction and rectify the financial loss caused by their representative 's documented misinformation and investigative errors. \n\nHow to submit this : Go to : CFPB Complaint Draft Company Name : [ PayPal XXXX XXXX XXXX - File against both if possible ] Consumer Complaint Product : Money transfer, virtual currency, or money service Issue : Problem with a fraud or scam / Unexpected/unauthorized fee or charge Complaint Description : I am filing this complaint due to a gross administrative error and a failure to investigate the correct transaction, resulting in a financial loss that occurred on XX/XX/year>. \n\nXXXX. Immediate Reporting & Misinformation : Within XXXX minutes of an accidental transaction ( Transaction ID : XXXX ), I contacted customer support. I was assured the transaction would be reversed. The representative provided me with a recipient email ( XXXX ) that was immediately flagged as \" invalid '' by the mail server. When I called back to report this, I was again told the funds would be recovered and not to worry. \n\nXXXX. Investigative Negligence : Despite my providing the specific Transaction ID and the name of the unintended recipient ( XXXX XXXX XXXX, the company 's \" investigation '' focused on a completely different, unrelated recipient. The actual culprit was never contacted or investigated. This clerical error by the investigators led to a judgment in favor of the wrong party. \n\nXXXX. Intentional Delay & Bank Deflection : I have been in continuous contact since XX/XX/year>. Each time, I was promised a resolution, effectively \" stringing me along '' until the XXXX dispute window elapsed. My funding source, XXXX XXXX, has stated they can not assist because they are relying on the ( incorrect ) investigative data provided by the payment platform. \n\nXXXX. Resolution Requested : I am requesting a \" Manual Review '' of Transaction ID : XXXX. The company must acknowledge that they investigated the wrong transaction and rectify the financial loss caused by their representative 's documented misinformation and investigative errors.","date_sent_to_company":"2026-03-06T14:54:56.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"60660","tags":"Older American","has_narrative":true,"complaint_id":"20035974","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-03-06T14:41:51.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["How to submit this : Go to : CFPB Complaint Draft Company Name : [ PayPal XXXX XXXX XXXX - File against both if possible ] Consumer Complaint Product : <em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em> Issue : Problem with a <em>fraud</em> or <em>scam</em> / Unexpected/unauthorized fee or charge Complaint Description : I am filing this complaint due to a gross administrative error and a failure to investigate the correct transaction, resulting in a financial loss that occurred on XX/XX/year>. \n\nXXXX."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"],"issue":["<em>Fraud</em> or <em>scam</em>"]},"sort":[22.290783,"20035974"]},{"_index":"complaint-public-v1","_id":"14100171","_score":21.632015,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Good morning, Madam/Sir, COMPLAINT ID XXXX, SUBMITTED ON XX/XX/XXXX, PRODUCT : Money transfer, virtual currency, or money service, ISSUE : Fraud or scam I am complaining for the above complaint case, because I havent received any response from the Bank of America yet , despite the more than XXXX weeks since CFPB mailed me, writing that there was response. I couldnt find any response in CFPB mail and link provided as well, as you can see from the attached photos, both the XXXX and the Next functions do not work. I also checked through my bank XXXX on XXXX XX/XX/XXXX, and again on XXXX XX/XX/XXXX if there was any transaction of the demanded ( through my complaint ) amount to be returned, but there was nothing. \nThe CFPB just rushed to reply that the company XXXX Bank of America ) responded, obviously without checking at all if the response was received by me, but showed only interest to close the case like fast track and ask for feedback, which for me is an obvious attempt to establish these as facts, to create impression that there was a response although nothing received, to disappoint me and make me quit from this. Through that way there is a cover of the Bank of America, which is the given powerful part, against me, who as citizen, I am the given weak part. Not surprised, the bankers are manipulating billions of money, so it is very easy for them to influence authorities, governments, services etc to act on supporting them and cover them against the weak citizens. \nAlso, the excuse written that the company mailed the response in the postal mail is ridiculously false, because I didnt include postal address in my complaint, as anyway I live in the XXXX XXXX \nAnother ridiculous is that the CFPB stated that there was response by the company XXXX Bank of America ), but surprisingly also states that The response apparently is not available to view in the CFPBs consumer complaint portal. So practically not even the CFPB knows the assumed response ( if there was any ). \nFrom all the above, the conclusion practically is that there was no assistance by the CFPB, so the statement Thank you again for giving us the opportunity to assist is false, if not hypocritic. \nIn conclusion, I demand a full review of that complaint case against the Bank Of America, mentioned above and I insist on my requests : XXXX. To have the whole amount of XXXX XXXX Dollars returned to my XXXXXXXX XXXX account, which was the amount sent by me on XX/XX/XXXX XXXX. For compensation of XXXX XXXX Dollars by the Bank of America, for the reasons explained on my first request XXXX. Further compensation of XXXX US Dollars by the CFPB for all this behavior against me, which I take as cheating attempt against me to cover the Bank Of America, plus the destroy of any trust to such services, or Authorities like the CFPB, which are supposed to cover and support the weak citizens against abuse of power and frauds from the powerful companies, like banks, but actually show quite the opposite action, covering the powerful companies against the weak citizens. \nYours sincerely XXXX XXXX XXXX XXXXXXXX XXXX XXXX","date_sent_to_company":"2025-06-16T08:07:05.000Z","issue":"Other transaction problem","sub_product":"International money transfer","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"14100171","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-06-16T07:36:41.000Z","state":null,"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":["Good morning, Madam/Sir, COMPLAINT ID XXXX, SUBMITTED ON XX/XX/XXXX, PRODUCT : <em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>, ISSUE : <em>Fraud</em> or <em>scam</em> I am complaining for the above complaint case, because I havent received any response from the Bank of America yet , despite the more than XXXX weeks since CFPB mailed me, writing that there was response."],"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":[21.632015,"14100171"]},{"_index":"complaint-public-v1","_id":"21633221","_score":17.303825,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XXXX XXXX Consumer Financial Protection Bureau Start a new complaint All complaints XXXX Print complaint Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Money transfer, virtual currency, or money service Issue Fraud or scam We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT I am filing a complaint against PayPal regarding a {$750.00} balance they are attempting to collect from me following a confirmed fraud incident. \n\nI was the victim of an impersonation scam in which an individual falsely claimed to represent XXXX and instructed me to send money as part of a fake account verification process. This was not a legitimate transaction, and I was deceived into sending the funds. \n\nOnce I realized the situation, I immediately reported the issue. My bank conducted an investigation and determined the transaction was fraudulent, issuing a reversal in my favor. \n\nI provided XXXX with all supporting documentation, including screenshots clearly showing the impersonation and fraudulent communication. Despite this evidence, XXXX denied my claim and is now holding me responsible for the {$750.00}. \n\nI also attempted to investigate the transaction further with XXXX, the payment processor involved, but they required card details that XXXX refused to provide. This prevented me from pursuing that investigation and was beyond my control. \n\nAs a victim of fraud, I should not be held liable for funds obtained through deception. XXXX has failed to properly evaluate the evidence and is attempting to collect money that resulted from a scam. \n\nI am requesting that XXXX : Remove the {$750.00} balance from my account Conduct a proper fraud review of my case Provide written confirmation of their findings I have acted in good faith at every step and expect XXXX to uphold its responsibility to protect customers from fraud. \n\nXXXX XXXX XXXX XXXX XXXX XXXX. \nXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX View full complaint Sent to company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nCompany responded XXXX XXXX responded on XX/XX/XXXX Response Type Closed with non-monetary relief Company 's Response I am writing on behalf of XXXX in response to your complaint to the Consumer Financial Protection Bureau. I understand being the victim of a scam would be concerning. Your complaint relates to payments you sent using your XXXX XXXX XXXX that you later reported were fraudulent. You requested reimbursement for the payments. I am happy to inform you that we have ceased collections efforts for your XXXX account as of XX/XX/XXXX. However, for reasons addressed further below, no reimbursement is being offered. XXXX XXXX records show that on XX/XX/XXXX, you initiated XXXX transfers totaling {$750.00} ( Transfers ) from your Visa debit card to your XXXX account. Later that same day, you sent two payments in the total amount of {$740.00} ( Payments ) to XXXX using your XXXX XXXX XXXX, which were funded using your XXXX account balance. On XX/XX/XXXX, you contacted XXXX and reported the Payments as unauthorized. In your report, you stated you made the Payments after being contacted by someone claiming to work for XXXX, with the promise that the money would be returned to you. This prompted us to initiate an investigation of the Payments. The investigation into your claim of unauthorized activity included looking at your XXXX account login history and payment history. On XX/XX/XXXX, we concluded our investigation and subsequently denied your claim, as we found no evidence that the Payments were unauthorized. We notified you of this outcome via email on this date. We made this decision because your account login activity remained consistent before, at the time, and after the Payments were initiated. On XX/XX/XXXX, XXXX received notification that chargebacks were filed with your debit card issuer against the Transfers, stating that the Transfers were unauthorized. It is important to note that when filing a chargeback, the card issuer, not XXXX, will determine who wins the chargeback. On XX/XX/XXXX, XXXX accepted the chargeback reversals from your card issuer. As such, {$750.00} was returned to your card issuer at that time. It is important to note that the Restricted Activities, Holds, and Other Actions We May Take section of the User Agreement, which you agreed to when creating your account, advises that you may not attempt to double dip during the course of a dispute by attempting to receive funds from both XXXX and the seller, bank or card issuer for the same transaction. As such, because XXXX determined you had received refunds for the Transfers but still used those same funds to complete the Payments, XXXX debited {$750.00} from your XXXX account on this same date, which left your account with a negative balance of {$750.00} The Selling & Accepting Payments section of the User Agreement also advises that a negative balance represents an amount that you owe to us and if you do not resolve it, XXXX may engage in collection efforts to recover the amount due from you. Accordingly, on XX/XX/XXXX, XXXX placed your account with XXXX XXXX in an effort to recover the negative balance. Resolution I am sorry for any difficulty the Payments have caused you, and I want to let you know that due to the concerns expressed in your complaint, XXXX recalled your account from XXXX XXXX and ceased all debt-recovery efforts as of XX/XX/XXXX. We have also conducted an additional review and confirmed no XXXX errors occurred when denying your claim. While I understand you sent the Payments at the request of a potentially fraudulent third party, it is important to note that intentionally sending payments, even when coerced into doing so under false pretense, is not a valid unauthorized claim reason. Therefore, while I understand this is not the answer you were seeking, we are declining your request for reimbursement. As such, because we determined that your current account debt is valid, you will be required to resolve the negative balance in order to continue using XXXX 's services. In hopes of helping you avoid these issues in the future, we have included reference materials discussing how to identify common scams, along with suspicious emails and sites, and how to avoid them. Please feel free to contact XXXX 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX if you have any questions or concerns or if we can be of further assistance. \nDESCRIPTION OF NON-MONETARY RELIEF I am happy to inform you that we have ceased collections efforts for your XXXX account as of XX/XX/XXXX. \nAttachments CFPB Response - Lukeheart ( XXXX ) .pdf ( XXXX KB ) What are common scams and how do I spot them.pdf ( XXXX MB ) Feedback requested Status Feedback requested on XX/XX/XXXX Feedback due XX/XX/XXXX Provide feedback about the companys response We welcome your feedback on how the company responded to your complaint. You will have 60 days from when the company responded to share your feedback. The CFPB will share your feedback responses with the company and use the information to help the CFPBs work with consumer complaints. \n\nSubmit your feedback Closed The CFPB has closed your complaint. \nPrivacy XXXX XXXX XXXX # XXXX Note on user experience Have a question? \n( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXX XXXX a.m. to XXXX p.m. XXXX, Monday through Friday ( except federal holidays ). \nXXXX Flag An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail","date_sent_to_company":"2026-04-27T17:43:05.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"515XX","tags":"Servicemember","has_narrative":true,"complaint_id":"21633221","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2026-04-27T17:37:31.000Z","state":"IA","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 XXXX Consumer Financial Protection Bureau Start a new complaint All complaints XXXX Print complaint Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product <em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em> Issue <em>Fraud</em> or <em>scam</em> We received your complaint. Thank you. \nWe will review your complaint."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"]},"sort":[17.303825,"21633221"]},{"_index":"complaint-public-v1","_id":"7662264","_score":16.72964,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am writing this letter with deep disappointment regarding Crypto.com 's failure to address my concerns and fulfill their responsibilities as a regulated company. I have unfortunately become a victim of an unregulated and fraudulent company called \" XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  \" and am seeking assistance in addressing this critical situation with the relevant parties involved. Despite my attempts to communicate with Crypto.com, I have received no response or acknowledgment to my previous letters, leading me to send multiple reminder letters. \n\nThe fraudulent company, \" XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX' employed deceptive tactics and illegal practices, resulting in significant financial loss on my part. I am reaching out to you to seek your immediate assistance in resolving this matter and recovering my funds. \n\nI regret to inform you that, despite my attempts to contact Crypto.com regarding my situation, I have not received a satisfactory response. This lack of resolution has left me feeling disappointed and concerned. \n\nI kindly request your assistance in initiating a dispute against \" XXXX '' and the relevant parties involved to seek resolution and recover the funds. The dispute is justified based on the following reasons : Goods or Services Not Provided Not as Described or Defective Merchandise Questionable Merchant Activity Misrepresentation Fraudulent Action Money Laundering Identity Theft Terror Affiliate ( misappropriation of assets or funds ) I have taken the necessary steps to initiate the dispute process with Crypto.com in an effort to recover the funds. I have attached copies of the letters I previously submitted to crypto.com, along with relevant evidence highlighting the fraudulent nature of the situation. Unfortunately, the response I received from Crypto.com was unsatisfactory. They seemed to rely solely on our terms and agreement, disregarding the fact that I was a victim of deception, falsehood, and manipulation. It is disheartening that they failed to acknowledge and understand the gravity of the scam I fell victim to. \n\nThe Scam Story : My encounter with the scam began innocently with a message from a woman named XXXX XXXX on my XXXX account. I met this XXXX woman on XXXX approximately in XX/XX/2023 - XXXX - XXXX XXXX is XXXX XXXX XXXX and was born in XXXX, where her XXXX mother met her XXXX father in XXXX, and then they migrated to the United States approximately XXXX or XXXX  years ago. She presently lives in XXXX XXXX, California. When I initially met her on XXXX, I asked her what she did for a living, and she claimed she traded XXXX. She then lured me into the web of deceit with the promise of guaranteed high profits through cryptocurrency trading company that boasted of being among the best in the business. XXXX XXXX claimed XXXX years of trading experience and painted a compelling picture of this company 's legitimacy and reliability. XXXX XXXX then offered me if I was interested in XXXX trading so she could advise and help me earn some money in XXXX trading, so I felt it was a nice idea to make some money. So, she instructed me to download the Crypto.com and XXXX apps for my XXXX smartphone, as well as the PC version at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/2023, I made a {$1000.00} deposit using my XXXX XXXX XXXX debit card and deposited to my Crypto.com account, then moved the money to the XXXX app or XXXX markets XXXX XXXX XXXX XXXX XXXX  website to trade. In the beginning, I earned little profits of {$1000.00} and everything went quite smoothly. She urged me to put more money into my account so that I could make more money, and when I told her that I had retirement accounts ( XXXX, XXXX, and Simple IRA ), she urged me to close out all of those accounts so that I could have a larger amount to invest in this XXXX markets or XXXX platform, so in XXXX, I decided to close out all of my retirement investment accounts ( XXXX, XXXX, and Simple IRA ) with deferred taxes and fine so that while waiting for all retirement accounts to close out, on XX/XX/2023, I made another deposit of {$3300.00} from XXXX XXXX XXXX to my Crypto.com account and transferred the fund to the XXXX app or the XXXX Markets website to trade. After closing out all of my retirement accounts and receiving funds in my checking account, in XX/XX/2023, I made XXXX wire transfers from my XXXX XXXX XXXX accounts, XXXX on XX/XX/2023 for {$50000.00} and another on XX/XX/2023 for {$30000.00}, for a total capital investment of XXXX  XXXX. With this XXXX  XXXX, I made a profit of {$86000.00}, and my account balance was {$150000.00}. On XX/XX/2023, I withdrew the whole sum of {$150000.00}, but I did not get anything ; they froze and rejected my transaction. When I contacted online customer service, which was them ( XXXX XXXX and others - who control the network ) about why I couldn't withdraw my funds, they said I needed to pay income tax up front, which was XXXX  XXXX, otherwise I couldn't, which I believe XXXX XXXX and her scam network team froze and rejected my transaction. I contacted XXXX XXXX and asked why I couldn't withdraw my money, and she claimed she didn't know about it, and she continued defending them about everything, even when I offered bringing them to court, and she would fight against any alternative I presented to her. I felt obnoxious and strange, and I asked myself why she kept defending them when a normal person would support and suggest ideas to bring scammers to justice, but she didn't, and she even cursed at me several times, but I kept my cool and talked to her to see if she could help me, but she didn't. I contacted the FBI, who advised me not to pay them since they were running a virtual currency XXXX scam. I immediately filed complaints with the FBI and the Federal Trade Commission ( FTC ), providing as much information as I could so that they might begin investigating these XXXX fraudsters. \n\nOn XX/XX/2023, I was able to get her admission and confession and discovered that she is a participant in this fraud network, that she has my money, and that she owns the XXXX website and the XXXX app. I requested her to return my money, and she continued asking me to give her XXXX  XXXX in order for me to get it back, so I replied no, \" I don't have that kind of money laying around to pay you. '' If I do, \" the money will be used to pay bills, not to her. ''","date_sent_to_company":"2023-10-07T17:47:34.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"63146","tags":null,"has_narrative":true,"complaint_id":"7662264","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Foris DAX, Inc.","date_received":"2023-10-07T16:57:26.000Z","state":"MO","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I contacted the FBI, who advised me not to pay them since they were running a <em>virtual</em> <em>currency</em> XXXX <em>scam</em>. I immediately filed complaints with the FBI and the Federal Trade Commission ( FTC ), providing as much information as I could so that they might begin investigating these XXXX fraudsters. \n\nOn XX/XX/2023, I was able to get her admission and confession and discovered that she is a participant in this <em>fraud</em> network, that she has my <em>money</em>, and that she owns the XXXX website and the XXXX app."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"],"issue":["<em>Fraud</em> or <em>scam</em>"],"sub_product":["<em>Virtual</em> <em>currency</em>"]},"sort":[16.72964,"7662264"]},{"_index":"complaint-public-v1","_id":"5004524","_score":16.295557,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX Complaints Manager, Bank of America Corporation, Bank of America Corporate Center, XXXX XXXX XXXX XXXX, XXXX, NC XXXX Date : XXXX XX/XX/XXXX Email : XXXX Tel : XXXX XXXX XXXX XXXX CC : Branch Manager XXXX Bank of America Financial Center , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX. Office of the Comptroller of the Currency, Customer Assistance, XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX and Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX, Iowa XXXX Dear Sir/Madam, I am writing in reference to an Automatic Push Payment fraud of XXXX that took place on my XXXX bank account in XXXX XXXX ( a/c number XXXX sort XXXX XXXX XXXX XXXX in the XXXX, XXXX XXXX, XXXX ) on XX/XX/XXXX where I was made to transfer monies to a woman 's account called XXXX XXXX in Bank Of America. \n\nHer account details are as follows ; XXXX XXXX XXXX, Bank Bank of America, Bank Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MNXXXX ( XXXX ) Home address XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX, A/C No. XXXX, Routing no ; XXXX Sort code ; XXXX Swift code ( foreign ) XXXX XXXX. \n\nThe money went outside of the XXXX jurisdiction to the XXXX, XXXX XXXX account ; XXXX XXXX in a Bank of America XXXX branch that was a front for the criminal who was operating it. I was instructed by the man who alleged he was XXXX XXXX the lead singer from XXXX to send XXXX through this account and the account operated as a front to launder the money he stole from me. \n\nThe definition of Money laundering is the process by which the proceeds of crime are processed ( 'washed ' ) through the financial system to disguise their illegal origin. Money laundering involves : an underlying, profit-making crime ( e.g., tax evasion, fraud, theft, organised crime, drug trafficking, embezzlement ) ; an act to conceal, transfer or convert the proceeds of crime ; and the person involved knows or ought to have known that the property is the proceeds of crime. \n\nThis fraudster alleged he was XXXX XXXX the lead singer from a band called XXXX. I undertook due diligence and got a copy of a passport and drivers licence from this man, but they turned out to be fake. I could not determine that until the XXXX reviewed them and told me they were fake. I also got a solicitor ( Lawyer ) in XXXX where I live, to draft a loan agreement/contract between me and XXXX XXXX to protect myself, but the XXXX have advised me the fraudster falsified XXXX XXXX signature therefore this agreement is null and void. I would have given the bank a copy of this document if they wanted to review it for anti-money laundering legislation and check the address, he supplied on his drivers licence which, when it was later checked turned out to be an office building and not a residential address. \n\nAn XXXX XXXX the XXXX police are currently investigating this case and will be liasing with the XXXX police through XXXX shortly. This man who alleged he was XXXX XXXX led me on for several months, sent me fake XXXX drivers licences, passports and images and also he video called me in XXXX and it was the real XXXX XXXX in the video call and asked me to give him this loan of the XXXX as he was having financial difficulties and he needed the loan for a private project of production of a film he was developing that the record label would not finance. He alleged XXXX XXXX was a woman his manager trusted and I thought she was linked to the record label. I was completely duped into believing this was XXXX XXXX from XXXX but I had the sense to get a solicitor in XXXX to draft a loan agreement. \n\nAs I said the fraudster did live incoming video phone calls with me and it was XXXX XXXX from XXXX in the video calls, but the XXXX have informed me the scammers edited the video which they ripped from XXXX XXXX extensive social media cache. He also sent me multiple images of XXXX XXXX, his family and he sent me audio recordings of XXXX XXXX singing. The fraudster ripped all this data from social media and the internet. \n\nUnder XXXX and XXXX law banks operate as designated persons XXXX Bank as a designated person/institution is required to comply with The Criminal Justice and Money Laundering and Financing Terrorism Act XXXX to XXXX. The obligations of designated persons are that they must ; Carry out risk assessments in respect to their business ; Apply customer due diligence ( for example, identify customers or beneficial owners ), Report suspicious transactions to A XXXX XXXX ( the Financial Intelligence Unit ) and the Revenue Commissioners, and have specific procedures in place to prevent money laundering and terrorist financing. They must do customer due diligence on incoming and outgoing transactions to stop money laundering. They must check the end destination of funds if the funds are going out of the jurisdiction. \nI want to know what checks Bank of America had in place to stop international money laundering. \n\nThe transfer of a large amount of money {$25.00} XXXX when converted from euros from a random woman in XXXX did not flag any suspicious markers on the account. I contacted XXXX XXXX in XX/XX/XXXX when I finally realised this man was a fraudster and that he had stolen my money. They contacted Bank of America XXXX branch but I am informed that your bank advised them that you could not get the money back as this woman XXXX XXXX had come into the branch and closed her account and withdrawn ALL the stolen money. \n\nI want to know how the Bank of America bank teller did not question this activity as being suspicious when they could see the transfer had come in from XXXX and that this was a large amount of money to be closing the account and then withdrawing in cash and then reverse the transaction back to the XXXX account. \n\nAnything over XXXX is meant to be examined in XXXX and XXXX law. Please explain to me how Bank of America failed to stop this money going out of this money launderers account and that she was allowed to close the account without questions asked and withdraw the monies in cash. \n\nI would like to know what the laws in XXXX and the XXXX are at a national level in terms of countering and deterring money laundering. I want to know what risk assessment Bank of America did on this woman XXXX XXXX when they opened her account and were the documents she supplied to open the account and proof of address genuine and authentic or were they fake? \n\nThe XXXX legal Framework on anti-money laundering and countering the financing of terrorism states ; It is essential that gatekeepers ( banks and other obliged entities ) apply measures to prevent money laundering and terrorist financing. Traceability of financial information has an important deterrent effect. The XXXX XXXX adopted the first anti-money laundering Directive in XXXX to prevent the misuse of the financial system for the purpose of money laundering. \n\nIt provides that obliged entities shall apply customer due diligence requirements when entering a business relationship ( i.e. identify and verify the identity of clients, monitor transactions and report suspicious transactions ). This legislation has been constantly revised to mitigate risks relating to money laundering and terrorist financing. \n\nXXXX XXXX XXXXXXXX Under XXXX & XXXX law the bank teller in XXXX Bank XXXX also failed her duties to stop money laundering as she was a designated person and The Act places obligations on designated persons to guard against their businesses being used for money laundering or terrorist financing purposes. Section XXXX of the XXXX Act defines the term designated person as any person working in XXXX in any of the following capacities : A credit or a financial institution ( this includes funds and fund service providers, money lenders, insurance companies, money transmission or bureaux de change businesses, An Post and virtual asset service providers ) unless specifically excepted. \n\nI now have a complaint in with The Financial Ombudsman in XXXX to investigate what XXXX XXXX did wrong and I have reported this matter to XXXX XXXX XXXX XXXX XXXX but I believe Bank of America is also culpable and liable in this matter. I am at a loss of XXXX. \n\nUnless the XXXX XXXX ( XXXX police ) can work with the XXXX police and track this woman XXXX XXXX down through Bank of America giving the police access to her personal data and identity and proof of address documents and then track this fraudster through her my money is effectively gone. I dont accept that. Both banks, Bank of America and XXXX XXXX have to review this matter and refund my losses as quickly as possible please. This was an Automatic Push Payment scam in XXXX and the XXXX banks have signed up to an APP code since XXXX. Please advise what codes Bank of America follows in regard to Automatic Push Payments scams/fraud or whatever you call it in the XXXX. \n\nFurthermore, The XXXX anti-money laundering framework was further strengthened by the Criminal Justice Act in XXXX which amended the Criminal Justice ( Money Laundering and Terrorist Financing ) Act XXXX giving rise to changes in a number of areas including, among others and banks are required to follow and apply the following ; Customer Due Diligence ( CDD ), Requirements for enhanced policies and procedures for detecting and preventing money laundering, and Requirements for the retention of documentation overseas ( subject to specified conditions ). \n\nXXXX XXXX did not ask me for any of the documents I had received from this fraudster including a falsely signed loan agreement in XXXX XXXX name, fake passport in XXXX XXXX name, and fake XXXX drivers in XXXX XXXX name so they could retain these documents even though he was overseas. \n\nBoth XXXX XXXX and Bank of America bank tellers and bank staff in the anti money laundering unit are supposed to be professionals. They are meant to undertake due diligence in regard to anti money laundering and the fraud unit in Bank of America and XXXX XXXX should have picked up on this in the XXXX days they had between the transfer of the money from XXXX to the XXXX. \n\nHad the fraud units in Bank of America and XXXX XXXXXXXX probed this transfer and phoned me like my XXXX bank regularly does when checking for fraud on high amount transfers I would have explained I did not know this woman and had met this man who identified as being XXXX XXXX online and who asked me to give him the loan and transfer the money to XXXX XXXX account as he alleged she was a woman he trusted who worked for the record label and as he was a celebrity he could not give me his account details. \n\nIn their professional capacity as a bank teller, I expect Bank of America to also protect me and to do proper checks on transfers and extrapolation of large sums of money in cash. The teller did not do this and has failed her duty of care and by asking XXXX XXXX more questions she also was professionally negligent. \n\nXXXX bank did not ask for any evidence or proof of what a large amount of money of XXXX was going from an XXXX  account to a XXXX account for and how I knew this woman or who she was but nor did Bank of America ask questions of XXXX XXXX as to who I was, XXXX XXXX a random woman from XXXX that transferred {$26000.00} to her account. \n\nHad the banks asked I would have advised I was giving a loan to a man, and this was an account belonging to a woman ( XXXXrd party ) he asked me to transfer the money into. That would have set off alarms for the bank as being money laundering. \n\nI want to know what fraud checks Bank of America did before they released this money in cash to XXXX XXXX. How did the bank teller not question a large sum of money coming into the account from a random woman in XXXX and then all of a sudden XXXX XXXX was closing her account and withdrawing cash. \n\nThe Bank of America teller should have asked for proof of what the money was being used for and what the source was in line with anti-money laundering legislation and were obliged to ask for more information in relation to the source of the funds and what the money was used for over a certain amount. The risk level of each bank determines it, and I am pretty sure Bank of America have risk levels in place in their anti-money laundering unit. \n\nI would like the Office of the Comptroller of the Currency and the Consumer Financial Protection Bureau in the XXXX to please determine what are Bank of Americas policies in terms of risk assessment and managing risks around money laundering and what due diligence/controls their staff are meant to undertake in regard to fraud and complying with the anti-money laundering legislation. What compliance framework/policies did Bank of America have in place and what controls to prevent this type of activity occurring. \n\nThis was an Automatic Payment Scam were I was made transfer money from my account in XXXX to an account in Bank of America owned by XXXX XXXX in XXXX, XXXX which was an account operating as a front for this scammer. This was a big amount of money going out of the account in XXXX transaction and it should have raised red flags. \n\nNo checks were done on who I was by Bank of America when I was in XXXX. The bank teller did not ask XXXX XXXX how she knew XXXX XXXX a random woman in XXXX or who I was. \n\nI trust the bank tellers and bank to be aware and be professional and flag fraud checks they are the ones with the knowledge, and they did not do enough to stop this random payment being flagged and going out of the account from XXXX or thereafter from the XXXX account in a large closing down withdrawal of cash it was money laundering how did Bank of America staff not get suspicious and stop this transaction happening when she tried to withdraw {$26000.00} in cash. \n\nAs I have stated The XXXX XXXX ( XXXX police ) in XXXX are now investigating the criminal aspect of this matter and are working through XXXX to liaise with XXXX police. I trust that Bank of America will comply and assist this investigation and give the police the bank account details. Proof of address and identity documents and anything else they have on her, of XXXX XXXX quickly, as we have already lost a lot of time. I have only identified XXXX woman on XXXX who goes under the name of XXXX XXXX and she is a XXXX XXXX XXXX. Please can you confirm if this is the same woman you have records for in Bank of America so that the police can move quickly. \n\nAs it stands The Financial Ombudsman of XXXX is now investigating this monetary aspect of this matter but I believe that Bank of America also needs to take joint responsibility for this matter. They should have reversed the incoming monies back to XXXX or checked it more succinctly to confirm it was not money laundering. I am at a loss of XXXX please do the right thing and come to some agreement with XXXX XXXX in XXXX to jointly refund me my monies due to your failures as banks to apply money laundering laws effectively. \n\nI await your reply. Please feel free to send me your response via both post and my email address as I understand it is more quick then post. \n\n\n________________ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX","date_sent_to_company":"2021-12-13T21:25:24.000Z","issue":"Fraud or scam","sub_product":"International money transfer","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"5004524","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2021-12-13T21:09:43.000Z","state":null,"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":["Section XXXX of the XXXX Act defines the term designated person as any person working in XXXX in any of the following capacities : A credit or a financial institution ( this includes funds and fund <em>service</em> providers, <em>money</em> lenders, insurance companies, <em>money</em> transmission or bureaux de change businesses, An Post and <em>virtual</em> asset <em>service</em> providers ) unless specifically excepted."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"],"issue":["<em>Fraud</em> or <em>scam</em>"],"sub_product":["International <em>money</em> <em>transfer</em>"]},"sort":[16.295557,"5004524"]},{"_index":"complaint-public-v1","_id":"12075093","_score":11.802717,"_source":{"product":"Credit card","complaint_what_happened":"Notice to Principals is Notice to Agents, Notice to Agents is Notice to Principals To whom it may concern at XXXX investigating the dispute case XXXX, Pursuant to Amex chargeback reason codes and Visa Chargeback Codes. 13.5 Misrepresentation. This code applies when the goods or services are not as advertised or described, leading to the cardholder feeling deceived This applies when the merchant 's advertising or sales materials significantly misrepresent the product or service, deceiving the cardholder. This could include false claims about quality, features, or benefits. 13.3 Services Not As Described, this code is used when the received goods or services do not match the agreed-upon terms or quality. 13.1 Services Not Received. This code is applicable when the cardholder did not receive the goods or services they paid for. This applies when the cardholder did not receive the goods or services they paid for at all. This could be due to non-delivery, order cancellation, or service failure. According to Amex and Visa 's terms of service, card issuers encourage merchants to maintain high ethical standards and comply with Amex and Visa 's rules and regulations. I am politely requesting these charges be disputed. I am requesting a full reversal of the misrepresented transactions. The Merchant has stopped communicating with me and makes no effort to provide services to me. \n\nI am requesting claims and defenses under Federal law 15 USC 1666i. This section specifies the cardholder 's liability is the value of the disputed transactions when the issuer is notified. Regulation Z, specifically 1026.12 of the TILA contains special credit card provisions that limit my liability. According to California Financial Code Section 2102, 17000 and Federal law principles. I reserve the right to refund. Consumers should be protected from financial loss and disputed transactions. In fact, the Fair Credit Billing Act safeguards consumers from fraud or charges on their credit card accounts. I am requesting a reversal of multiple transactions due to material misrepresentation perpetrated by the merchant. I hereby notify the card issuer and representative investigating the case, that I am withholding payment on the disputed charge ( s ). However, to be a loyal consumer I will continue the minimum payments under duress and fear that withheld payments will negatively impact to my credit report and reputation.\n\nPlease grant me an exception for missing the 60-day dispute window because I was unaware I was defrauded until the dispute window passed, at that time I was still gathering evidence and confidence to dispute the multiple transactions. I had to educate myself about these consumer laws, financial concepts, interest rates, and credit card disputes. I was fearful of retaliation by the scammer which delayed my actions. On a personal note, my mother was hospitalized during this period and much of my attention had been focused on communicating with Doctors. Additionally, I was recently diagnosed with XXXX which impaired my judgment and reaction time. Additionally, during this period I received news my wife was XXXX and she would be leaving the United States to return to her home country of XXXX. This required my attention to relocate her. Please grant me a reversal of transactions for my peace of mind and financial stability. Please altruistically consider my circumstances. Your assistance is appreciated.\n\nThe following sections of the Uniform Commercial Code can be applied to consumer transactions, and consumer protection laws often provide additional protections, such as specific disclosure requirements, cooling-off periods, and remedies for deceptive practices.\n\nUCC 2-313 : Express Warranties : This section deals with express warranties, which are created by a seller 's affirmations of fact or promises about the goods. This can be relevant to consumer protection laws, as deceptive advertising or false promises can be considered a breach of express warranty. \nXXXX XXXX money-making opportunity, advice, and scheme used deceptive business practices to influence my decision-making process. His contract and practice is not lawful.\n\nUCC 2-302 : Unconscionable Contract or Clause This section allows courts to refuse to enforce or limit the application of unconscionable contract terms. This can be particularly relevant in consumer contracts where there may be a significant imbalance of bargaining power between the parties. \nXXXX XXXX money-making opportunity, advice, and scheme contract portray a significant balance of bargaining power between us there for is unconscionable. Because the contract is meant to scare me from disputing my charge under duress and fear of financial harm.\n\nUCC 2-315 : Implied Warranty of Fitness for a Particular Purpose : This section implies a warranty that services are fit for a particular purpose if the seller knows of the buyer 's specific needs. \nXXXX XXXX money-making opportunity, advice, and scheme, did not benefit me. He perpetrated fraud and deceit. \nThis can be relevant to consumer protection laws, as it can protect consumers from purchasing products that are not suitable for their intended use. \nThis is the XXXX XXXX XXXX high-yield investment scam timeline that took advantage of my trust and the reason for my distress. \n\nXX/XX/XXXX I responded to an email from XXXX soliciting to invest in an online XXXX XXXX XXXX type company. The company name is XXXXXXXX XXXX XXXX XXXX registered as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The owner is XXXX XXXX also known as XXXX XXXX. The website is XXXX XXXX XXXXXXXX advertisements promise to build a {$50000.00} - $ XXXX digital asset generating passive income. His advertisements for XXXX per month in 4 months, let alone the {$50000.00} per year advertisements were false and misleading. Unfortunately for me, XXXX never delivered on his service or promises of wealth and prosperity. XXXX XXXX promised a return on the investment in XXXX more months XX/XX/XXXX on our XXXX channel. Which means the estimated date of delivery was XX/XX/XXXX. Hence my delayed suspicion and call to dispute these transactions. \nLittle did I know he was willfully misleading me and scamming every cent from me. Unfortunately, I anticipated ethical conduct, fair reciprocation, and financial transparency. These transactions with XXXX XXXX ultimately frustrated me financially and scared me to dispute earlier. Unfortunately, I suffered from economic hardship via the sudden loss of my job and indebtedness to my creditors. My financial frustration contributed to my gullibility and desperation to believe in XXXX get-rich-quick scheme. \n\nI was unfairly misled by false promises and deceptive marketing tactics to transfer funds using XXXX XXXX stripe account on the following dates : XX/XX/XXXX {$11000.00} from XXXX Refund Granted XX/XX/XXXX XXXX XX/XX/XXXX {$7000.00} from XXXX Refund Granted XX/XX/XXXX XXXX XX/XX/XXXX {$7800.00} from Amex Dispute open Ref. XXXX XX/XX/XXXX {$1000.00} from Amex Dispute open Ref. XXXX XX/XX/XXXX {$4900.00} from Amex Dispute XXXX XXXX XXXX XXXX XX/XX/XXXX {$19000.00} from XXXX Refund Granted XX/XX/XXXX XXXX XX/XX/XXXX I requested a full refund of XXXX. However, XXXX XXXX refused to refund me. While under duress, fear of retaliation, and loss of the entire investment. XXXX coerced me to invest more with him requesting more time to deliver his service. My signature is not valid for any agreement with XXXX. I received no benefit and am a victim of cybercrime and extortion. Other credit card issuers such as XXXX have sided with me and I trust Amex will align with me. Thank you for your continued service and dedication to protecting customers. \nAdditionally, XXXX XXXX advertisements do not follow FTC requirements. The FTC requires that any ad claiming a specific income amount must also disclose : The number of previous purchasers who earned the claimed income. The percentage of previous purchasers who earned the claimed income. It is important to bear in mind that disclaimers are not always effective and are not a defense if the net impression is still misleading. The FTC has determined that the following acts and practices are deceptive or unfair, and unlawful under Section 5 of the FTC Act : Misrepresenting that purchasing a money-making opportunity is risk-free or involves little risk. Falsely claiming an endorsement by a third party ; misrepresenting that an endorser is an actual user, a current user, or a recent user ; misrepresenting that an endorsement represents the experience, views, or opinions of users or purported users ; using an endorsement to make deceptive performance claims; failing to disclose an unexpected material connection with an endorser ; and misrepresenting that the experience of endorsers represents consumers typical or ordinary experience. Note that positive consumer reviews are a type of endorsement, so such reviews can be unlawful, e.g., when they are fake or when a material connection is not adequately disclosed. \nIt is an unfair or deceptive trade practice for an advertiser to use testimonials to make unsubstantiated or otherwise deceptive performance claims even if such testimonials are genuine. It is an unfair or deceptive trade practice to fail to disclose a connection between an endorser and the seller of an advertised product or service if such a connection might materially affect the weight or credibility of the endorsement and if the connection would not be reasonably expected by consumers. It is an unfair or deceptive trade practice to misrepresent explicitly or implicitly through the use of testimonials that the experience described by endorsers of a product or service represents the typical or ordinary experience of users of the product or service. \nHere is a depository of fake testimonies anyone can use for marketing. \nhttps : XXXX? usp=sharing XXXX uses unfair business practices with misleading representations, fake promises, and failure to disclose material facts that would be important to a consumer 's decision-making process. Such as using sensationalized headlines to entice potential customers. engaged in deceptive marketing practices to manipulate my decision-making process, including the use of clickbait advertising and false promises of rapid XXXX growth. These tactics, combined with the failure to disclose potential risks, such as copyright infringement and algorithm penalties, constitute fraudulent misrepresentation and unconscionable behavior. By withholding critical information such as the risk of copyright violations and algorithmic penalties XXXX XXXX omitted material facts and induced me to enter into a contract that was unfair and detrimental to my interests. These practices harm consumers and undermine fair market practices. \n\nMoreover, copyright Infringement and algorithm penalties were not previously discussed and purposely omitted from the decision-making process before entering into a contract would make it void. Using copyrighted content without permission can lead to legal action and channel demonetization. Algorithm Penalties : YouTube 's algorithm is designed to identify and penalize low-quality, spammy, or deceptive content. This makes the written agreement invalid, unconscionable, immoral, unfair, illegal, and unenforceable because XXXX XXXX fraudulently gained my confidence and psychologically manipulated me to invest with enticing false metrics promising the safety of an unethical and illicit investment scheme fueled by his greed with no conscience to my benefit. The agreement unfairly assigns 100 % of the risk for failure to launch on me. Leading to my financial frustration. If I were proficient with reading contracts I would have rejected his solicitation. He shows no concern for delivering on his service for XXXX more months communicated on XX/XX/XXXX on his preferred messaging platform SLACK. This means the estimated date of delivery was XX/XX/XXXX. I made him fully aware I was borrowing currency from creditors to finance this option, I needed accurate projections from him and relied on his financial advice and misleading opinion. \nXXXX is actively targeting the California market with a virtual presence, without registering as a California entity to transact international business. Which Goes against the California Corporations Code Section 2105 : This section outlines the requirement for foreign corporations to obtain a certificate of qualification from the Secretary of State before transacting intrastate business in California. The California Corporations Code sections 2105, 15909.02, 16959, 17708.02 ,191 ( a ), 15901.02, 17708.03. All of these relate to the requirement for foreign entities to register with the California Secretary of State if they conduct \" intrastate business '' within California. XXXX XXXX abuses international commerce laws. He uses XXXX registered company and XXXX XXXX XXXX XXXX : Companies within XXXX Free Zones are generally restricted to operations within the designated free zone area. The California XXXX XXXX aims to regulate and control the activities of foreign entities within the state. XXXX XXXX Zones are established to attract foreign investment, promote trade, and facilitate international business. Therefore XXXX is illegally transacting with Californian residents like myself and others who are targets of Mr.Sudas clickbait marketing making is contracts void.\n\nUnfortunately, I am a victim of elaborate fraud, psychological games and unsuspectedly transferred money to a professional scammer. Please grant me a reversal of all transactions with the credit card issuer bank and XXXX XXXX. \nThere is a public forum dedicated to warning unsuspecting victims about XXXX scam https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is registered and physically based at XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX - XXXX XXXX Email XXXX The alternative address listed on the transaction is XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX I reject all types of solicitation offers from XXXX XXXX, I cancel all contracts without prejudice and without recourse. \nI object to the criminality thaXXXX XXXX XXXX XXXX XXXX XXXX  ) PRIVATE LIMIT perpetrated by misrepresenting money-making opportunities as beneficial to clients ' financial well-being. \nI object to the unlawful behavior perpetrated by XXXX XXXX XXXX XXXX XXXX XXXX PRIVATE LIMIT by violating the following consumer protection codes : electronic solicitor code 4719.01, signed written confirmation of sales code 4719.07, Investment advisers act ( IAA ), Section 5 of the FTC Act, and California Corporations Code Section 17150. \nI have requested XXXXXXXX XXXX XXXX XXXX XXXX XXXX  PRIVATE LIMIT and its agents to be investigated by the local police department ( s ), the California Department of Financial Innovation and Protection, the California Department of Justice, the California Department of Consumer Affairs, the XXXX XXXX XXXX, SEC, the Internet Crime Complaint Center, the Consumer Financial Protection Bureau, International Consumer Protection and Enforcement Network ( ICPEN ) California Privacy Protection Agency and the Federal Trade Commission. While these agencies may have different jurisdictions and specific mandates, they share common goals of protecting consumers like myself. Deceptive marketing practices can have serious legal implications. They violate federal and state consumer protection laws, including the Federal Trade Commission Act. By misleading consumers and inducing them into unfair contracts, these practices harm consumers and undermine fair market practices.\n\nDeceptive marketing practices can have serious legal implications. They violate federal and state consumer protection laws. By misleading consumers and inducing them into unfair contracts, these practices harm consumers and undermine fair market practices. \n\nFTC Report Number XXXX / XXXX FTC Identity Theft Report XXXXXXXX XXXX  Report number XXXX / XXXX CFPB Complaint Sent to XXXX XXXX  XXXX Econsumer.gov report ID XXXX / XXXX SEC Complaint XXXX / XXXX CFPB Complaint Sent to American Express Company XXXX Office of the Comptroller of Currency Compalin sent to American Express CFPB ID FOR COMPLAINT SENT TO AMERICAN EXPRESS NATIONAL BANK XXXX With clean hands and good faith, XXXX XXXX XX/XX/XXXX Websites : https XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-02-20T20:18:48.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"89139","tags":null,"has_narrative":true,"complaint_id":"12075093","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-02-13T06:39:56.000Z","state":"NV","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Unfortunately, I am a victim of elaborate <em>fraud</em>, psychological games and unsuspectedly <em>transferred</em> <em>money</em> to a professional scammer. Please grant me a reversal of all transactions with the credit card issuer bank and XXXX XXXX."]},"sort":[11.802717,"12075093"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":13,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":13}]}},"product":{"doc_count":13,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Money transfer, virtual currency, or money service","doc_count":11,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mobile or digital wallet","doc_count":4},{"key":"International money transfer","doc_count":3},{"key":"Virtual currency","doc_count":2},{"key":"Domestic (US) money transfer","doc_count":1},{"key":"Foreign currency exchange","doc_count":1}]}},{"key":"Checking or savings account","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":1}]}},{"key":"Credit card","doc_count":1,"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":1}]}}]}},"issue":{"doc_count":13,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Fraud or scam","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Other transaction problem","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with a lender or other company charging your account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":1}]}},{"key":"Problem with a purchase shown on your statement","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":1}]}},{"key":"Unauthorized transactions or other transaction problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":13,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":13}]}},"company_response":{"doc_count":13,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":12},{"key":"Closed with monetary relief","doc_count":1}]}},"submitted_via":{"doc_count":13,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":13}]}},"company":{"doc_count":13,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Paypal Holdings, Inc","doc_count":5},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":4},{"key":"AMERICAN EXPRESS COMPANY","doc_count":1},{"key":"Block, Inc.","doc_count":1},{"key":"Foris DAX, Inc.","doc_count":1},{"key":"SYNCHRONY FINANCIAL","doc_count":1}]}},"state":{"doc_count":13,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CA","doc_count":3},{"key":"GA","doc_count":1},{"key":"IA","doc_count":1},{"key":"IL","doc_count":1},{"key":"MI","doc_count":1},{"key":"MO","doc_count":1},{"key":"NV","doc_count":1},{"key":"TN","doc_count":1}]}},"company_public_response":{"doc_count":13,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":5}]}},"tags":{"doc_count":13,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Older American","doc_count":2},{"key":"Servicemember","doc_count":1}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}