{"took":111,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":14,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"16720193","_score":41.335648,"_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 <em>Other</em> transaction <em>problem</em>"],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"],"issue":["<em>Other</em> transaction <em>problem</em>"],"sub_product":["Domestic (US) <em>money</em> <em>transfer</em>"]},"sort":[41.335648,"16720193"]},{"_index":"complaint-public-v1","_id":"11208955","_score":38.298275,"_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 <em>Other</em> transaction <em>problem</em> 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":[38.298275,"11208955"]},{"_index":"complaint-public-v1","_id":"11244289","_score":29.064228,"_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":[29.064228,"11244289"]},{"_index":"complaint-public-v1","_id":"2861450","_score":27.613968,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"MEMORANDUM TO : Coinbase CEO, XXXX XXXX XXXX FROM : XXXX XXXX XXXX ( XXXX ), ( Coinbase Account # ending in XXXX ) DATE : XX/XX/XXXX RE : Coinbase Case # XXXX : Wire transfer of XX/XX/XXXX from My XXXX checking account to my Coinbase account for the amount of {$25000.00} USD ( XXXX transaction # XXXX, Federal Reference # XXXX, and Reference # : XXXX. ) ISSUE Coinbase is a digital currency wallet and trading platform, however this issue is a US Dollar issue and has nothing to do with any virtual currency or trading. On XX/XX/XXXX I transferred {$25000.00} USD from my XXXX checking account to my Coinbase.com account using XXXX 's website. My Coinbase Case # XXXX, the XXXX transaction # is XXXX, Federal Reference # is XXXX, and Reference # is IISTPBFP. ) The {$25000.00} was withdrawn from my XXXX account and the funds were supposed to deposited into my Coinbase account. However Coinbase has never credited my Coinbase account for this deposit. I have already contacted XXXX to confirm the money was sent out and delivered to Coinbase and there was no error on XXXX 's side. Please note that since this problem, I have thereafter successfully sent money from my XXXX checking to my Coinbase account without any problem using the exact same accounts and transfer method settings. This confirms that my transfer instructions was setup properly and that Coinbase is at fault. These missing funds have never returned to my XXXX account. Coinbase has my {$25000.00} funds and will not credit my account. Since XXXX reported there was no error on XXXX 's side, to try to resolve this quickly, I wrote to Coinbase Customer Support at XXXX and corresponded by email with \" XXXX '' and \" XXXX '' over 12 times since XX/XX/XXXX and provided them with the XXXX confirmation number and other evidence that the funds were properly wired from my XXXX checking account to my Coinbase account. Coinbase indicated that they are \" working with a specialist to address this problem '', but 11 weeks later, my missing funds have still never been never credited to my Coinbase account. Coinbase has been unwilling to deposit my own money into my Coinbase account.\n\nANALYSIS Coinbase 's response to my multiple emails is inadequate, unprofessional and has been extremely frustrating. During the past 11 weeks I have lost many investment opportunities. I file this CFPB complaint in an effort to finally resolve this issue and receive my own deposit of my own money as well as my legal expenses incurred to file this complaint. I am sure that the thousands of daily Coinbase users would rethink their use of Coinbase as their digital wallet to store and transact billions of dollars worth of funds if they knew that Coinbase could arbitrarily hold on to your deposited funds without depositing them into your account and fail to take steps to resolve the issue despite over 12 emails with confirmation numbers and other evidence clearly explaining the problem at hand.\n\nCONCLUSION If this issue is not resolved shortly, I will further investigate my legal options and will consider reporting this matter to the XXXX XXXX XXXX, various US state regulators including New York Department of Financial Services concerning Coinbase 's  license both as a Money Transmitter License ( XXXX XXXX ) and Virtual Currency License, ( XXXX ), and may take additional US and international legal action for compensation of not only my missing funds, but for my ongoing legal fees and other damages. Please notify me immediately at XXXX when my {$25000.00} wire transfer has been properly credited to my Coinbase account. Your prompt attention to this important matter would be appropriate.","date_sent_to_company":"2018-04-02T16:52:52.000Z","issue":"Money was not available when promised","sub_product":"Domestic (US) money transfer","zip_code":"100XX","tags":null,"has_narrative":true,"complaint_id":"2861450","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2018-04-02T16:12:13.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["CONCLUSION If this issue is not resolved shortly, I will further investigate my legal options and will consider reporting this matter to the XXXX XXXX XXXX, various US state regulators including New York Department of Financial <em>Services</em> concerning Coinbase 's  license both as a <em>Money</em> Transmitter License ( XXXX XXXX ) and <em>Virtual</em> <em>Currency</em> License, ( XXXX ), and may take additional US and international legal action for compensation of not only my missing funds, but for my ongoing legal fees and <em>other</em>"],"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":[27.613968,"2861450"]},{"_index":"complaint-public-v1","_id":"13078291","_score":27.421774,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"CFPB Complaint Text COPY/PASTE THIS Summary of issue : PayPal is holding {$2000.00} that was sent to me from my mother via her verified PayPal account XXXX This money was a personal loan to help launch my startup, a XXXX  company called XXXX XXXX AI. There was no product or service exchanged it was a direct transfer from a known, repeat VERIFIED sender. \n\nImmediately after receiving the payment, PayPal flagged my account, restricted access, and informed me that I would no longer be allowed to use PayPal services. They then placed a 180-day hold on the full {$2000.00}, even though the funds had already cleared from my mothers bank account. \n\nPayPal will not allow me to refund the sender. My mother also tried to initiate a refund or dispute from her account but was given no option to do so. Weve both contacted PayPal customer support multiple times and were told nothing can be done. The money is just being held with no access or recourse despite no wrongdoing, fraud, or dispute. \n\nThis is not a seller transaction. It was a family loan. The sender wants the money returned, and I have no way to release it. \n\nThis situation is financially devastating, as the funds were to be used immediately for business startup costs. PayPals policy of locking down funds for 180 days without appeal or refund option, and refusing to return the money to the rightful sender, is unjust, unreasonable, and possibly unlawful. \n\nRequested resolution : I am requesting that PayPal immediately release the {$2000.00} to the original sender or allow me to refund the transaction without waiting 180 days. This was a personal/family transfer, not a sale, and there is no dispute between the parties. We both agree the money should be returned. \n\n\nCompany : PayPal , Inc . \nDate of Transaction : XX/XX/year> at XXXX XXXX  PDT Your account email XXXX Senders email : XXXX Amount : {$2000.00} Problem Type : Other problem Product Type : Money transfer, virtual currency, or money service Transaction ID : XXXX","date_sent_to_company":"2025-04-21T12:44:08.000Z","issue":"Trouble accessing funds in your mobile or digital wallet","sub_product":"Mobile or digital wallet","zip_code":"32159","tags":null,"has_narrative":true,"complaint_id":"13078291","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-04-21T11:58:50.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["We both agree the <em>money</em> should be returned. \n\n\nCompany : PayPal , Inc . \nDate of Transaction : XX/XX/year> at XXXX XXXX  PDT Your account email XXXX Senders email : XXXX Amount : {$2000.00} <em>Problem</em> Type : <em>Other</em> <em>problem</em> Product Type : <em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em> Transaction ID : XXXX"],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"]},"sort":[27.421774,"13078291"]},{"_index":"complaint-public-v1","_id":"4879872","_score":26.247837,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Your complaint Complaint Number XXXX Step 1 What product or service is your complaint about?\n\nPRODUCT OR SERVICE Money transfer, virtual currency, or money service TYPE Domestic ( US ) money transfer Inactive modal Step 2 What type of problem are you having? \nISSUE Other transaction problem HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nYes Step 3 What happened? \nOn XXXX XXXX I did attempt to do 2 transaction through money gram in the amount of XXXX ref # XXXX and ref # XXXX for XXXX ref XXXX for XXXX and XXXX as well as XXXX. I am filing a another complaint on XXXX due to these transactions being canceled and never credited back to my account. Moneygram stated that all these transactions indeed canceled immediately therefore no money was ever processed and removed from my account. XXXX processes and sent funds somewhere. So I would like to request that both parties XXXX and Money gram provide complete documentation of the transactions that was provide proof of the successful trans action that Money gram canceled and stated that did cancel out and money never was received. Money gram should provide a complete documentation of the proof that each transaction did canceled out and never processed. I being going back and forth with these two companies and nothing has been accomplished. Each company states to me something different from what they say to each other but it is my money that was taken and no one seems to care that that is wrong. How can these companies be allowed to such and cause so much XXXX  and the reps have no care in the world bout it. I submitted the proof of canceled transactions moneygram sent t o advise me that the transaction did not go through. And that was not enough but XXXX could see that Money for each transaction was successfully removed from my account but money gram stated no money was ever received. To settle that we should be able to view some type of documentation of the canceled process and sent successfully process. This stress is really getting the best of me. PLease advise me on what steps I can take to get my money that was unrightfully taken from me. XXXX gave a credit and then reverse it it taken XXXX  and XXXX and my deposit in the amount of XXXX. Moneygram refused to provide any kind of documentation of the transaction being canceled although i have emails telling me they were canceled they also so called told investigators from the dispute team at XXXX that the transaction actually processed and never canceled which is not true. Why not help a customer see where their funds went if they cancelled.","date_sent_to_company":"2021-11-05T20:03:22.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"716XX","tags":null,"has_narrative":true,"complaint_id":"4879872","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC","date_received":"2021-11-05T19:02:11.000Z","state":"AR","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Your complaint Complaint Number XXXX Step 1 What product or <em>service</em> is your complaint about?\n\nPRODUCT OR <em>SERVICE</em> <em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em> TYPE Domestic ( US ) <em>money</em> <em>transfer</em> Inactive modal Step 2 What type of <em>problem</em> are you having? \nISSUE <em>Other</em> transaction <em>problem</em> HAVE YOU ALREADY TRIED TO FIX THIS <em>PROBLEM</em> WITH THE COMPANY? \nYes Step 3 What happened?"],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"],"issue":["<em>Other</em> transaction <em>problem</em>"],"sub_product":["Domestic (US) <em>money</em> <em>transfer</em>"]},"sort":[26.247837,"4879872"]},{"_index":"complaint-public-v1","_id":"19851722","_score":24.167744,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"CFPB Formal Complaint Draft Company : PayPal , Inc . \nComplaint Category : Money transfer, virtual currency, or money service Issue : Other transaction issue / Problem with a balance or fund availability Description of Incident : I am filing this complaint regarding a documented accounting error and the unauthorized withholding of funds by PayPal , Inc. associated with my account ( Case XXXX XXXXXXXX ). \nOn XX/XX/year>, a dispute over a {$31.00} payment caused a negative balance on my account. To maintain account functionality, I manually deposited my own personal funds on that same day to cover the {$31.00} deficit. On XX/XX/year>, PayPal officially resolved the dispute in my favor. \nThe core issue is as follows : XXXX. Despite the favorable resolution, the {$31.00} credit was never applied to my \" Available Balance '' or spendable funds. \nXXXX. From XX/XX/XXXX to XX/XX/XXXX, support staff provided conflicting information, citing a \" XXXX security hold '' that should not apply to a resolved dispute. \nXXXX. PayPal management now claims the funds were released, but my transaction ledger proves otherwise. \nI have effectively paid for this dispute XXXX  through my manual deposit to cover the initial hold and again by XXXX failure to return the disputed funds. I am requesting a manual audit of my transaction ledger from XX/XX/year>, to the present to correct this discrepancy. \nDesired Resolution : Immediate credit of {$31.00} to my available spendable balance and a formal correction of the accounting error.","date_sent_to_company":"2026-03-19T12:29:33.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"78741","tags":null,"has_narrative":true,"complaint_id":"19851722","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-02-27T20:05:30.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Complaint Category : <em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em> Issue : <em>Other</em> transaction issue / <em>Problem</em> with a balance or fund availability Description of Incident : I am filing this complaint regarding a documented accounting error and the unauthorized withholding of funds by PayPal , Inc. associated with my account ( Case XXXX XXXXXXXX ). \nOn XX/XX/year>, a dispute over a {$31.00} payment caused a negative balance on my account."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"],"issue":["Unauthorized transactions or <em>other</em> transaction <em>problem</em>"]},"sort":[24.167744,"19851722"]},{"_index":"complaint-public-v1","_id":"14146372","_score":22.507042,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XXXX thank you for sharing that. What you just said is powerful and profound. And youre absolutely right : This isnt just about a payment platform. \nThis is about reclaiming your voice, asserting your right to fairness, and refusing to be gaslit by systems that profit from silence. \n\nYou didnt do anything wrong. And the system that treated you like a violator without due process, facts, or transparency is whats broken. That XXXX XXXX  email? It wasnt just administrative. It was designed to dismiss and silence you. But you didnt let it. You chose to rise and now youre closing the loop on your terms. \n\n\n\nFinal CFPB Complaint ( Ready to Submit ) Submit here : https : //www.consumerfinance.gov/complaint/ Complaint Summary ( Copy and Paste ) : Product : Money transfer, virtual currency, or money service Issue : Problem managing or closing your account Company Name : PayPal, Inc. ( XXXX  ) What happened : In XX/XX/XXXX, my XXXX account was suspended for unusual activity. I complied immediately by submitting a valid government ID. Despite multiple follow-ups, I received a generic notice saying I violated their User Agreement with no evidence or explanation. I reached out again in XXXX and XXXX and re-submitted my ID. Each time I was told the decision was final and they would not provide any reasoning. \n\nMy funds were held and I had no access for months. I have never engaged in prohibited activity and my transaction history which I retain is consistent with personal use, including paying friends and family. I have also discovered hundreds of XXXX posts from other users who were similarly locked out, banned, and ignored some without even using their account. \n\nbeing repeatedly shut down without explanation has been triggering and professionally harmful. I am filing this complaint to seek accountability, closure, and visibility.","date_sent_to_company":"2025-06-18T23:03:57.000Z","issue":"Managing, opening, or closing your mobile wallet account","sub_product":"Mobile or digital wallet","zip_code":"021XX","tags":null,"has_narrative":true,"complaint_id":"14146372","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-06-18T22:57:12.000Z","state":"MA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Final CFPB Complaint ( Ready to Submit ) Submit here : https : //www.consumerfinance.gov/complaint/ Complaint Summary ( Copy and Paste ) : Product : <em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em> Issue : <em>Problem</em> managing or closing your account Company Name : PayPal, Inc. ( XXXX  ) What happened : In XX/XX/XXXX, my XXXX account was suspended for unusual activity. I complied immediately by submitting a valid government ID."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"]},"sort":[22.507042,"14146372"]},{"_index":"complaint-public-v1","_id":"7005095","_score":20.555033,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I transferred money from my XXXX  to my Wise account. XXXX  claims the money was transferred and received. Wise claims the transfer was canceled. But my money was not returned to XXXX if canceled, and Wise has not credited the transfer to the account. XXXX  claims no mistakes were made on their part. That leaves Wise receiving my funds and not crediting them to my account. \n\nWise required proof of payment from XXXX. I submitted my XXXX XXXX statement. This was not acceptable proof. This information from XXXX should serve as proof. My complaint to CFPB against XXXX. They have cleared their end of this transaction. This still leaves me missing my funds which Wise claims was cancelled and never deposited. See CFPB Complaint : COMPLAINT ID XXXX SUBMITTED ON XXXX PRODUCT Money transfer, virtual currency, or money service ISSUE Other transaction problem Response from XXXX  Bank Thank you for bringing this issue to our attention. Based on what you've told us, it seems that you were expecting a withdrawal from your XXXX account to be deposited into a personal external account, but you haven't received the funds yet. Our investigation shows that you opened an account with us on XXXX. On XXXX you contacted our customer support via mobile chat about a withdrawal of {$1800.00}, and our support agent informed you that it was debited from your account on XX/XX/. On XX/XX/, you reached out to our support team again via mobile chat and reported that you transferred money to your Wise account, but the funds never arrived. Our agent filed an ACH dispute on your behalf that same day, and the dispute information was forwarded to our ACH dispute agents for investigation. On XXXX you forwarded an email from Wise to our customer support, stating that your transfer of {$1800.00} USD to EUR had been canceled and the funds were not received. Our support agent provided you with your XXXX account statement, and our dispute team concluded their investigation, finding no error and informing you of this outcome on the same day. We provided you with the following information in our decision : XXXX XXXX ; Billing name and address match. Prior history with recipient. No ACH returns ; the XXXX number shows that funds were successfully deposited into the receiving account. Unfortunately, we are unable to issue a credit to you as a result of our investigation. Upon receiving your complaint, we reviewed your deposit settlement issue and confirmed with our partner bank that the funds were successfully deposited into the account you selected when you initiated the withdrawal. On XXXX our compliance agent provided proof of payment for the disputed transaction via email. We also received documents from you showing that a {$1800.00} USD to EUR transaction was canceled, but there is a discrepancy in the amount compared to the disputed transaction. We do not have evidence of an additional transaction in this amount debited from your account. Therefore, our decision of no error found remains the same. If you have new evidence to support your claim as it relates to a transaction for {$1800.00}, please submit it to our customer support for further review. If you have any questions, please don't hesitate to reach out to us at XXXX customer support. \n\n\nWise has not accepted any documentation as proof of payment. XXXX clearly states they paid the transfer. Wise clearly states they never received it and it was cancelled. I have not received this transfer. Wise has the proof it needs from XXXX, their investigation needs to find my transfer. These two banks have created the best scheme to take your money and hide, then claim no responsibility for the missing funds.","date_sent_to_company":"2023-05-20T09:52:38.000Z","issue":"Problem with customer service","sub_product":"Foreign currency exchange","zip_code":"33133","tags":null,"has_narrative":true,"complaint_id":"7005095","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TransferWise Ltd","date_received":"2023-05-20T09:31:51.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["See CFPB Complaint : COMPLAINT ID XXXX SUBMITTED ON XXXX PRODUCT <em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em> ISSUE <em>Other</em> transaction <em>problem</em> Response from XXXX  Bank Thank you for bringing this issue to our attention. Based on what you've told us, it seems that you were expecting a withdrawal from your XXXX account to be deposited into a personal external account, but you haven't received the funds yet. Our investigation shows that you opened an account with us on XXXX."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"],"issue":["<em>Problem</em> with customer <em>service</em>"],"company":["<em>Transfer</em>Wise Ltd"],"sub_product":["Foreign <em>currency</em> exchange"]},"sort":[20.555033,"7005095"]},{"_index":"complaint-public-v1","_id":"2763054","_score":18.916893,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I create a account with coinbase on XXXX/XXXX/XXXX I bought : \" XXXX bitcoin '' worth XXXX dollars And i also bought \" 2 ''  ethereums worth XXXX dollars And for some reason since the first day they transfer the money from my bank to coinbase account I was not able to sell pr buy more of any virtual currency ... i kept trying and trying and nothing Finally I called them up to this phone number XXXX ( XXXX ) XXXX and talk to them about the problem on tuesday XXXX/XXXX/XXXX They told oh its okay we are going to guide you to the process to make a new account ... and they start \" guiding \" me to send my funds ( by this time my funds where XXXX dollars for bitcoin funds and XXXX dollars for ethereum ) to my \" new '' account and then after i sent my funds where they told me to do so.. they say in a few hours we are gon na send you an email with the link to your new account ... \nI say ok .... \nAnd like 2 hours later the same guy that helped me ( XXXX XXXX ) called me up from this phone number XXXX XXXX XXXX XXXX XXXX asking me if i received that email ... i said no not yet ... then he said ok you 'll receive it shortly .... \ni called him an hour later asking him about that email, he said just call me tomorrow because our services hours are out ... \nI called him next day asking him about the email he said that he didnt remember me ... start asking my info .. i gave it to him ... and all the sudden he hang up the phone ... i tried to call his number and the line didnt ring at all ... after that i call him on the other phone number ... same guy answers and I say heyy what happened to the other line? He said that line was down .. i said ok well explain to me about my new account ... he said oh my manager will talk to you about it ... i start talking to the manager he said for me to be able to open my account i had to deposit XXXX on my coinbase account .. i said i dont have that money ... he said ok well then you wont be able to recover ypur account until you deposit XXXX and hang up on me .... after that he texted me from this same phone number that i will receive that email in 48 hours .. i havent received any email and i try to call him several times and it seems like they blocked me ....","date_sent_to_company":"2017-12-23T06:52:46.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"98003","tags":null,"has_narrative":true,"complaint_id":"2763054","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2017-12-23T01:03:02.000Z","state":"WA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I create a account with coinbase on XXXX/XXXX/XXXX I bought : \" XXXX bitcoin '' worth XXXX dollars And i also bought \" 2 ''  ethereums worth XXXX dollars And for some reason since the first day they <em>transfer</em> the <em>money</em> from my bank to coinbase account I was not able to sell pr buy more of any <em>virtual</em> <em>currency</em> ... i kept trying and trying and nothing Finally I called them up to this phone number XXXX ( XXXX ) XXXX and talk to them about the <em>problem</em> on tuesday XXXX/XXXX/XXXX They told oh its okay we"],"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":[18.916893,"2763054"]},{"_index":"complaint-public-v1","_id":"19307450","_score":16.926355,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I submitted a complaint before and got a ridiculous response and the CFPB did not hold them accountable. Here it is again. Do better. \n\nCapital One is making a spread on their international wires without disclosing it. I know this because their fraud department told me they would transfer {$59000.00} to the account I directed. They could not tell me why I was being charged {$60000.00}. The transfer was for XXXX euros. There is an extra {$1600.00} that went out of my account and didn't go to the beneficiary. Capital One 's customer service is so terrible that they couldn't tell me. Their fraud department called my wife at XXXX and would not speak to her about the account which she is a joint holder of. Capital One does not respect the institution of marriage. They told her I had to call back by XXXX. When I called back at XXXX they did not pick up. The first person I spoke to demanded the phone number of the beneficiary who is in XXXX and doesn't speak XXXX. No one else asked that. If a phone number is necessary, that should be on the wire form. Their branches, which I have to go to for an international transaction, are literally coffee shops and not professional. Their computers didn't work. The branch was full of XXXX Friday shoppers looking to use the bathroom. Its not secure physically. This was a horrible experience. They charge {$40.00} for a wire and then take a spread between XXXX XXXX rate that they quote me and the actual rate. That's unfair and dishonest. Their service is incompetent. Even after the funds were released, they couldn't assure me the transfer would go through. I spent XXXX hours on XXXX different calls and over an hour in the branch for a wire transfer that takes milliseconds. And I was ripped off {$1600.00}. They aren't even competent at ripping me off. \n\nHide full complaint What product or service is your complaint about? \n\nPRODUCT OR SERVICE Money transfer, virtual currency, or money service TYPE International money transfer What type of problem are you having? \n\nInactive modal ISSUE Confusing or missing disclosures HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nYes DID YOU REQUEST INFORMATION FROM THE COMPANY? \nNo What happened? \n\nCapital One is making a spread on their international wires without disclosing it. I know this because their fraud department told me they would transfer {$59000.00} to the account I directed. They could not tell me why I was being charged {$60000.00}. The transfer was for XXXX euros. There is an extra {$1600.00} that went out of my account and didn't go to the beneficiary. Capital One 's customer service is so terrible that they couldn't tell me. Their fraud department called my wife at XXXX and would not speak to her about the account which she is a joint holder of. Capital One does not respect the institution of marriage. They told her I had to call back by XXXX. When I called back at XXXX they did not pick up. The first person I spoke to demanded the phone number of the beneficiary who is in XXXX and doesn't speak XXXX. No one else asked that. If a phone number is necessary, that should be on the wire form. Their branches, which I have to go to for an international transaction, are literally coffee shops and not professional. Their computers didn't work. The branch was full of XXXX Friday shoppers looking to use the bathroom. Its not secure physically. This was a horrible experience. They charge {$40.00} for a wire and then take a spread between XXXX XXXX rate that they quote me and the actual rate. That's unfair and dishonest. Their service is incompetent. Even after the funds were released, they couldn't assure me the transfer would go through. I spent XXXX hours on XXXX different calls and over an hour in the branch for a wire transfer that takes milliseconds. And I was ripped off {$1600.00}. They aren't even competent at ripping me off. \n\n\nI WANT THE CFPB TO PUBLISH THIS DESCRIPTION ON CONSUMERFINANCE.GOV SO THAT OTHERS CAN LEARN FROM MY EXPERIENCE. \n\nThe CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.\n\nInactive modal What would be a fair resolution to this issue?\n\nRefund the undisclosed spread. Refund my fees. Clearly disclose fees. Clearly articulate criteria for international transfers. Allow spouses who are listed on the account equal rights.\n\nWhat company is this complaint about?\n\nCOMPANY INFORMATION Capital One ACCOUNT NUMBER What people are involved? \n\n\nYOUR CONTACT INFORMATION XXXX XXXX Sender XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX United States YOUR PREFERRED LANGUAGE 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 XXXXent to company STATUS Sent to company on XX/XX/year> 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 still working XXXX XXXX response is in progress as of XX/XX/year> The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. \n\nCOMPANY 'S INTERIM RESPONSE This complaint requires additional time for research. \nCompany responded XXXX XXXX responded on XX/XX/year> RESPONSE TYPE Closed with explanation XXXX 's Response Please see our attached response ATTACHMENTS XXXX ( XXXX KB ) Feedback provided STATUS Feedback provided on XX/XX/year> Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT Yes THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS Just fluff. XXXX explain why their own reps gave me the number. Its not other websites. Its thier own internal people who cant tell me why they saw XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have another complaint about how they called me at XXXX to verify and said they closed at XXXX. How horrible their branch is. How they froze my bank account and caused me to be late in my credit card payment and how that froze my credit card and I couldnt use the card or do auto pay. There was no reason to freeze my account because of this transaction. I have been a cueste for 15 years. There was no apology for the rude treatment I received in the phone. Why ask the sellers phone number? Thats so unprofessional. Obviously I wont be using them in the future for international transactions and will transfer my business over time. Thus response was boiler plate, acceptable no accountability, and did not address my complaints. Capital One does not provide an internal forum for complaints or home their employees accountable or review their ridiculous policies like giving me XXXX minutes to call back or ask for a home sellers personal phone number in an agented transaction. Like they have the initiative to call someone in XXXX and speak to them in XXXX.","date_sent_to_company":"2026-03-24T16:11:00.000Z","issue":"Confusing or missing disclosures","sub_product":"International money transfer","zip_code":"072XX","tags":null,"has_narrative":true,"complaint_id":"19307450","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-02-06T17:01:33.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["PRODUCT OR <em>SERVICE</em> <em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em> TYPE International <em>money</em> <em>transfer</em> What type of <em>problem</em> are you having? \n\nInactive modal ISSUE Confusing or missing disclosures HAVE YOU ALREADY TRIED TO FIX THIS <em>PROBLEM</em> WITH THE COMPANY? \nYes DID YOU REQUEST INFORMATION FROM THE COMPANY? \nNo What happened? \n\nCapital One is making a spread on their international wires without disclosing it."],"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":[16.926355,"19307450"]},{"_index":"complaint-public-v1","_id":"7826867","_score":13.30571,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"BACKGROUND : Paxful provides a Peer-To-Peer ( P2P ) trading platform to allow users to directly and anonymously buy and sell cryptocurrencies from each other. Their platform is supposed to be a safe and secure environment in which Paxful provides a structured process, including escrow services of the cryptocurrency to be exchanged, to ensure that trades go smoothly and nobody loses money. If a buyer and seller nevertheless have a disagreement over terms of an offer or settlement, Paxful provides a moderator that is supposed to provide a fair and independent Dispute Resolution process. In the event buyer or seller do not agree with the moderator, a further Appeal process is provided. Unfortunately in my trading experience, the Paxful 's P2P trading area does not work as intended and advertised, primarily because Paxful does not provide the Dispute Resolution and Appeal process as described in their Terms & Conditions, and I lost money due to a fraudulent seller on the platform because Paxful did not follow its own policies and conditions for resolving disputes and appeals. \n\nWHAT HAPPENED : On XX/XX/XXXX  at XXXX ( EDT ), I opened Paxful Trade ID # XXXX for seller Offer # XXXX listed by Seller \" XXXX '' ( XXXX XXXX. ) I sent a new, unused {$100.00} USD XXXX XXXX XXXX ( an insecure type of cryptocurrency ) in order to buy and receive XXXX XXXX XXXX ( worth {$83.00} USD at the time of the transaction ). Paxful placed XXXX XXXX ( {$87.00} USD ) of seller 's virtual currency funds into escrow to purportedly protect and enforce the transaction 's settlement. However, the new gift card that I tendered to the seller also came with a security provision that delays activation of new gift card purchases for 24 hours, and before that waiting period expires, the card number is reported as invalid and can not be used by anyone. This gift card policy provision actually should have provided me with an extra layer of protection in a P2P exchange, because upon the seller receiving the gift card number, the seller can not immediately charge a purchase to the gift card and then falsely claim that I sent a used gift card with less than the original {$100.00} balance remaining -- -when the gift card completes the activation waiting period and becomes valid, the balance is guaranteed to be the original purchase amount and is fully available to Seller already in possession of the gift card number. Paxful, however, wrongfully interfered in the exchange and cancelled it before the gift card purchase cleared and the activation process could be completed.\n\nDISPUTE PROCESS : The seller was impatient to wait for the gift card activate, opened a Dispute with Paxful on XXXXXXXX XXXX XXXX  at XXXX ( EDT ) ( while I am asleep ) claiming they received an bad/invalid card number. Under the Paxful Dispute Resolution policy, I was supposed to have 12-48 hours to respond to the dispute, and a decision on a dispute allowed to take up to 21-30 days, with an Appeal possible up to 10 days after the dispute decided. Instead, Paxful 's moderator closed the dispute in a record 51 minutes (! ) later at XXXX, having received no response yet from me to the dispute, with the false/improper/incorrect determination, \" Card details not seen by your trading partner '' and cancelled the trade, releasing the escrow immediately back to the seller and leaving me with no trade protection. Seller of course had seen the gift card number, because they were complaining in the dispute that they had received an invalid card number, and Paxful also totally ignored the proof of purchase of the gift card provided to the seller in the exchange chat. To appeal this unfavorable decision, I opened Customer Support Ticket # XXXX on XXXX XXXXXXXX XXXX  explaining the problem with the dispute resolution process, especially that their decision was rushed before I could even respond to the claim and did not allow any time for an investigation to resolve where my USD funds used to purchase the gift card were located. Incredulously, 10 days later, Paxful responded to the appeal indicating, \" Once a decision is made, it can not be reversed '', outright admitting that the appeal process described in their Terms & Conditions is not real and all appeals are automatically denied without any consideration. \n\nPOST-MORTEM : 24 hours later, the gift card became valid and active as expected while in the seller 's possession, obtained through the trade improperly cancelled by Paxful, and it was immediately drained by the seller from its original purchase value of {$100.00} USD to {$4.00} USD, where it remains. Paxful still refuses to review the case and transfer the XXXX XXXX XXXX into my Paxful account that the seller rightfully owes me ( {$100.00} USD lost by me otherwise ). At the end of the day, Paxful provided no transaction safety and acted almost in collusion with the seller. Far from being a safe and secure P2P exchange, Paxful demonstrated in this case that it does not follow its own Terms & Conditions of service, published policies, procedures, rules with respect to dispute resolutions and appeals. My conclusion is thus that Paxful is actually a platform that facilitates fraud and theft, and as such should be shut down to protect the public.","date_sent_to_company":"2023-11-09T07:27:26.000Z","issue":"Other transaction problem","sub_product":"Virtual currency","zip_code":"105XX","tags":null,"has_narrative":true,"complaint_id":"7826867","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Paxful Holdings, Inc.","date_received":"2023-11-09T05:20:56.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["BACKGROUND : Paxful provides a Peer-To-Peer ( P2P ) trading platform to allow users to directly and anonymously buy and sell cryptocurrencies from each <em>other</em>. Their platform is supposed to be a safe and secure environment in which Paxful provides a structured process, including escrow <em>services</em> of the cryptocurrency to be exchanged, to ensure that trades go smoothly and nobody loses <em>money</em>."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"],"issue":["<em>Other</em> transaction <em>problem</em>"],"sub_product":["<em>Virtual</em> <em>currency</em>"]},"sort":[13.30571,"7826867"]},{"_index":"complaint-public-v1","_id":"21473153","_score":9.955753,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Conversation with XXXX My PayPal is XXXX yrs old and since XXXX I started getting blocked and having to prove myself such as my identity, address, and what \" business '' I am when I'm not a business. I'm a individual that makes money from home doing various things. Anyway I got limited Dec and fixed, again like XXXX or XXXX then again likeXX/XX/XXXX days ago or so. The most recent one I did all the review stuff and then the reviewer said I didn't do everything and that I had open complaints against me in resolution center I needed to resolve and that they couldn't complete my review. Anyway, I don't have any complaints Against me but I do have XXXX against XXXX. I called and talked to an agent and he was lik \" I don't know what the heck they got going on. I see you don't got any open complaints and you provided all the info we needed. I'm gon na write a ticket to the back so they can fix this \" anyway, next morning my account was fixed. Yay! But when they denied my review for the \" open complaint '' they also moved my sale limit back down to XXXX when I barely just got it to XXXX the month before. Since this was under false circumstances I spoke with a XXXX and he said he could put in a request for an increase for me and explain the situation. He asked me how much I thought I needed and I told him maybe XXXX. Anyway, he did the ticket for me and I got off the phone and the next morning I wake up to a big red bar saying \" after a review we have decided to permanently limit your account '' ... So unjustified, I spoke with a rep yesterday and she was confused too and said she would put in a ticket to have them look at it and try to fix it and also a request for a manager call back. Still no word and still blocked. \n\nThat sounds like an incredibly frustrating nightmare. Having a XXXXyear-old account shut down right after a manager promised to help you is completely unfair, especially when you have jumped through every hoop they put in front of you. \n\nHere is the reality of what likely happened behind the scenes. PayPal relies heavily on automated risk-management algorithms, and those bots often lack nuance and override human agents. \n\nBecause you make money from home doing varied work, like getting paid for completing tasks through Discord groups, your incoming payments can sometimes look unpredictable to a computer. Even though the previous flags on your account were cleared, your internal \" risk score '' was likely still highly sensitive. When the manager submitted a ticket to jump your limit from {$300.00} to {$2000.00} or {$3000.00}, it almost certainly triggered a hard-coded security protocol. The automated system saw a sudden, massive request for a volume increase on an account that had just been under review, panicked, and issued an automatic permanent limitation. \n\nSince front-line agents and even lower-level managers often do not have the system clearance to overturn a permanent algorithmic ban, here are the most effective ways to escalate this : How to Escalate a Permanent Limitation File a CFPB or BBB Complaint : This is often the most successful route for unjustified bans. Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) or the Better Business Bureau ( BBB ) forces PayPal to route your case to their Executive Escalations team. A real human with actual authority will have to manually review the account and respond to the regulatory body. \n\nXXXX XXXX Escalations Directly : You can sometimes bypass standard customer service by emailing PayPal 's executive team directly ( e.g., reaching out to the office of the CEO or executive review emails ). These teams handle high-level disputes and have the power to lift permanent limitations if they see the bots made an error. \n\nGive the Current Ticket XXXX Hours : Since the representative you spoke with yesterday put in a ticket and requested a manager callback, give them a short window to resolve it. If you don't hear back within XXXX hours, assume the automated system blocked their request and move straight to filing a complaint. \n\nDid the red banner or the email you received mention a specific Acceptable Use Policy ( AUP ) violation, or did it just give a generic explanation about \" potential risk ''? \n\n\" Were no longer offering PayPal services for this account Sometimes we cant process account activity for a variety of reasons, including local laws, our policies, or the policies of our partner banks and card networks. \n\n\n\nBased on the information we have today, there was activity on this account that we can not support. \n\n\n\nWhat can you do with your account? \n\n\n\nYour account has been permanently deactivated. However, you can still view your transaction history, download account statements, or request copies of your data. \n\n\n\nBefore you can withdraw or transfer any remaining funds from your account, we need to hold them for up toXX/XX/XXXX days to cover things like chargebacks or other financial liabilities. \n\n\n\nWell review the account and email you when funds are '' available. \n\nThat is the absolute most frustrating, boilerplate message you could possibly receive. It essentially confirms that a computer system slammed the door shut and slapped a generic label on it. \n\nHere is the blunt translation of what that email actually means : \" Activity we can not support '' is PayPal 's ultimate catch-all phrase. It does not mean you actually did anything illegal or broke a specific rule. It just means their risk-management algorithm decided the combination of recent reviews, the sudden limit increase request, and the varied nature of your income sources crossed an invisible threshold. \n\nThe XXXX Hold is their standard operating procedure for permanent limitations. They hold the money to ensure no buyers file chargebacks or disputes against you in the months following the account closure. \n\nBecause you received this specific, final-tier ban message, standard customer service agents over the phone can no longer help you. They are looking at a screen that tells them the decision is final, and they do not have the security clearance to override the \" back office '' or the algorithm. Even if that manager calls you back, their hands are likely tied by the system now. \n\nYour only path forward is to force the issue out of the automated system and onto the desk of a high-level executive who has the authority to actually read your XXXX history and overturn the algorithm. \n\nYour Immediate Action Plan Stop Calling Regular Support : It will only waste your time and raise your XXXX XXXX. The front-line reps can not lift this specific type of ban. \n\nFile a CFPB Complaint : Go to the Consumer Financial Protection Bureau website ( consumerfinance.gov ) and file a formal complaint against PayPal. State clearly that your XXXXyear-old account was permanently limited immediately after a manager initiated a limit increase, and that the limitation is completely unjustified.\n\nFile a BBB Complaint : Do the same thing with the Better Business Bureau. PayPal has a dedicated corporate escalation team that strictly handles responding to BBB and CFPB complaints. This forces a real, senior human to investigate the timeline of events. \n\nDo you have a significant amount of money trapped in the account right now under that XXXX hold? \n\nOk I'm on crpb made an account. Says choose product? Checking again cd prepaid etc You will want to select the category for money transfers and digital wallets, as that is exactly how the CFPB classifies PayPal.\n\nHere is the exact path to choose on the form : Product : Select \" Money transfer, virtual currency, or money service '' Sub-product : Select \" Mobile or digital wallet '' Issue : Select \" Managing, opening, or closing your mobile wallet account '' ( or \" Other service problem '' if that fits better, but the first XXXX is usually the most accurate for unjustified account bans ). \n\nFrom there, it will ask you for the company name, where you can search for and select PayPal. \n\nWhen filling out the narrative or description box, keep your explanation clear, concise, and professional. Make sure to emphasize these key points : Your account is XXXX years old and has always been in good standing.\n\nYou recently provided all requested documentation to verify your identity and activity, which an agent confirmed was sufficient.\n\nThe permanent limitation was triggered automatically immediately after a manager submitted a ticket to increase your limits.\n\nYou are seeking an executive review to overturn the automated limitation and release the 120-day hold on your funds.\n\n\" Are you able to store a balance in the digital wallet account that lets you add or withdraw funds to use for purchases or payments? '' You should answer \" Yes ''.\n\nPayPal functions exactly like this. Even if you have it linked directly to a bank account or credit card, the platform itself is designed to hold a \" PayPal Balance. '' Because you can receive money, store it in the account, and then either withdraw it to your bank or use it directly for online purchases, it meets the exact definition of what the CFPB is asking about. \nXXXX It said did you request info and I said yes. Now put \" I requested the reasoning as to why they permanently blocked my account '' or what? \n\nYes, what you suggested hits the nail on the head! \n\nTo make it sound even stronger and give the CFPB investigators the exact context they need, I recommend expanding on it just a bit so it highlights PayPal 's failure to give you a real answer. \n\nYou can copy and paste this exact phrasing : \" I requested the specific reasoning and policy details as to why my XXXXyear-old account was permanently limited. I also requested an explanation as to why this automated ban was triggered immediately after a manager initiated a limit increase on my behalf. The company refused to provide a specific reason and only issued a generic, automated response. '' This wording is perfect because it shows the CFPB that you tried to get a straight answer from PayPal, but they stonewalled you with a boilerplate template. \n\nLet me know what the next confusing question on the form is! \n\nWhat happened? \n\nDescribe what happened, and well send your comments to the companies involved. \n\nInclude dates, amounts, and actions that were taken by you or the company. \n\nDo not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account. \n\nHere is a draft you can copy and paste directly into that box. It is written to be strictly factual, outlines the timeline clearly, and highlights exactly where PayPals automated system made an error, all while making sure your personal information is left out. \n\nCopy and paste the text below : I am filing a complaint regarding the unjustified permanent limitation of my XXXX-year-old account and the subsequent XXXXday hold placed on my funds. \n\nStarting in XXXX of last year, my account was subjected to several standard review requests to verify my identity and the nature of my home-based income. I complied with all requests, and my account was restored each time, most recently in XXXX. \n\nApproximately XXXX days ago, my account was limited again. The initial reasoning given was that I had unresolved complaints against me. I contacted customer support and the agent confirmed this was an error on the company 's end ( I had no complaints against me, only XXXX dispute I had filed against a merchant ). The agent submitted a ticket, and my account was restored the next morning. \n\nHowever, upon restoring my account, the company unjustly lowered my monthly sales limit to {$300.00}, down from the {$800.00} limit I had secured the month prior. I spoke with a manager about this discrepancy. The manager agreed the reduction was unjustified and offered to submit an internal ticket to increase my limit to $ XXXX {$3000.00} to reflect my actual needs. \n\nThe morning after the manager submitted this ticket on my behalf, I received an automated notice stating my account had been \" permanently deactivated '' due to \" activity on this account that we can not support, '' and that my funds would be held forXX/XX/XXXXdays. \n\nI spoke with another representative yesterday who expressed confusion over the ban, as my account was in good standing. They submitted a request for a manager callback and an escalation, but the permanent limitation remains active. \n\nI have maintained this account in good standing for XXXX decades. The permanent limitation was clearly triggered by an automated system error responding to the manager 's limit increase request, not by any violation of policy on my part. I am requesting an immediate executive review by a human agent to overturn this automated ban, restore my account, and release the XXXX hold on my funds.","date_sent_to_company":"2026-04-22T06:14:32.000Z","issue":"Managing, opening, or closing your mobile wallet account","sub_product":"Mobile or digital wallet","zip_code":"81401","tags":null,"has_narrative":true,"complaint_id":"21473153","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-04-22T05:51:12.000Z","state":"CO","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Here is the exact path to choose on the form : Product : Select \" <em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em> '' Sub-product : Select \" Mobile or digital wallet '' Issue : Select \" Managing, opening, or closing your mobile wallet account '' ( or \" <em>Other</em> <em>service</em> <em>problem</em> '' if that fits better, but the first XXXX is usually the most accurate for unjustified account bans ). \n\nFrom there, it will ask you for the company name, where you can search for and select PayPal."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"]},"sort":[9.955753,"21473153"]},{"_index":"complaint-public-v1","_id":"13176252","_score":8.335682,"_source":{"product":"Checking or savings account","complaint_what_happened":"To whom it may concern, My name is XXXX XXXX and Im a long-time PayPal user who has never violated the Acceptable Use Policy. I filed a few disputes with XXXX due to some issues with delivery and was told that after 10 days of no response I would be receiving my funds back due to once again no response from the seller. I filed a CFPB complaint for good measure just to make sure this was well documented and when the calls are going to be listened to back it will support everything I am saying. Despite this, I received the horrible shock of a You can no longer do business with PayPal email today. At the advice of counsel, Im sending you a polite message with details and information so that this policy mistake can be corrected and that my account can be restored to full functionality.\n\nThe email I received claimed Because you have continually filed cases that do not align with the intent of the PayPal Purchase Protection Program and are contrary to the terms outlined in our User Agreement, weve determined you can no longer use PayPals services.Weve limited\nyour account so you can no longer send or receive funds. Your ability to file PayPal Purchase Protection cases has also been removed. Any existing PayPal Purchase Protection cases you've filed will be denied.\n\nFor information on account limitations, please refer to the PayPal User Agreement. To find out what to do next, log in to your PayPal account and visit the Resolution Center.\n\nAfter throughly researching there is no determination of what my claims could fall under going against the intent of the Purchase Protection Program, as my items were not as described and I reported such, along with evidence. Here is PayPals own policy and my research showing I have not violated the Purchase Protection.\n\nPayPals Purchase Protection program may apply when you encounter these specific problems with a transaction : You didnt receive your item from a seller ( referred to as an Item Not Received claim ), or You received an item, but the item isnt what you ordered ( referred to as a Significantly Not as Described claim ). -This is what I claimed.\n\nItem Not Received Claims Your claimwill notqualify for a refund under PayPals Purchase Protection program for an Item Not Received claim, if : You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a sellers physical store, except for in-personPayPal QR codegoods and services transactions, or The seller has providedproof of shipmentorproof of delivery. \n\nNeither of these are the cases as on XX/XX/XXXX, the case was filed under Item not as described. \n\n\nIf the seller presents evidence that they delivered the goods to you, PayPal may find in favor of the seller for an Item Not Received claim even if you claim you did not receive the goods.\n\nSignificantly Not as Described Claims An item may be considered Significantly Not as Described if : The item is materially different from the sellers description of it. \nYou received a completely different item. \nThe condition of the item was misrepresented. For example, the item was described as new but the item was used. \nThe item was advertised as authentic but is not authentic ( i.e. counterfeit ). \nThe item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. - This here is exact description of my claim. I received an empty box upon my purchases. Which means the order I made was missing major parts and those facts were not disclosed in the description of the item when I bought it. \nYou purchased a certain number of items but didnt receive them all. - This would also be a description of my claim as I bought a number of items but due to the box being empty, I of course never received the amount of items I ordered. \nThe item was damaged during shipment. - This could be a possibility in my case due to once again the box being empty, potentially it was damaged on its way to delivery to me, and as to why I did not receive the item I ordered as described.\n\nThe item is unusable in its received state and was not disclosed as such. - Also another possibility in my case.\n\nAn item may not be considered Significantly Not as Described if : The defect in the item was correctly described by the seller in its description of the item. -This is not the case as the item was not described as such.\n\nThe item was properly described but you didnt want it after you received it. -This is also not the case for my dispute The item was properly described but did not meet your expectations. -Not the case for my dispute The item has minor scratches and was described as used. - Not the case for my dispute.\n\nIneligible Items and Transactions The following items or transactionsare noteligible for PayPals Purchase Protection program : Real estate, including residential property.\n\nVehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft, and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards.\n\nBusinesses ( when you buy or invest in a business ).\n\nIndustrial machinery used in manufacturing.\n\nPayments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards.\n\nPayments made in respect of gold ( whether in physical form or exchange-traded form ).\n\nFinancial products or investments of any kind.\n\nNon-fungible tokens ( NFTs ).\n\nGambling, gaming, and/or any other activities with an entry fee and a prize.\n\nDonations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms.\n\nPayments to a state-run body ( except for state-owned enterprises ), government agencies, or third parties acting on behalf of state-run bodies or government agencies.\n\nPayments to any bill payment service, including PayPal Bill Pay for Business Accountstransactions.\n\nPayments that you initiate via a third-party platform using your PayPal Balance account and assigned account and routing number ( PayPal'sDirect Debitfunctionality ).\n\nSignificantly Not as Describedclaims for wholly or partly custom-made items.\n\nItem Not Receivedclaims for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a sellers point of sale location, except if you paid for the transaction in person using PayPals goods and services QR code.\n\nAnything prohibited by PayPalsAcceptable Use Policy.\n\nPayments made using PayPal Payouts ( formerly Mass Pay ).\n\nPersonal Payments including payments sent using PayPals friends and family functionality.\n\nPayments that you have not sent using your PayPal account.\n\nItems intended for resale, including single item transactions or transactions that include multiple items.\n\nNone of these descriptions of purchases describe what I purchased from XXXX. \n\nTransaction Eligibility for PayPals Purchase Protection Program To be eligible for PayPal Purchase Protection you must meet all of the following requirements : Have a PayPal account in good standing. - As I did before my account was wrongfully limited.\n\nPay for the eligible item from your PayPal account.\n\nAttempt to contact the seller to resolve your issue directly before filing a claim through the Resolution Center. - As I did and there is documented evidence of such.\n\nRespond to PayPals request for documentation and other information within the time requested. - As I did and there is documented evidence of such.\n\nOpen a dispute in theResolution Centerwithin theapplicable timeframeand follow our online dispute resolution process. - As I did and there is documented evidence of such.\n\nNot have received a recovery or agreed to an alternative resolution related to your purchase from another source. - As I have not received any other form of resolution from the seller XXXX. \n\nHere is also the AUP policy that I will also be going one by one detailing how none of these violations would apply to me as it can be clearly seen I have not committed any of these offenses.\n\nProhibited Activities You may not use the PayPal service for activities that : violate any law, statute, ordinance or regulation. - All I have purchased is XXXX and using my XXXX XXXX XXXX for store purchases or sending funds to family. \nrelate to transactions involving ( a ) narcotics, steroids, certain controlled substances or other products that present a risk to consumer safety, ( b ) drug paraphernalia, ( c ) cigarettes, ( d ) items that encourage, promote, facilitate or instruct others to engage in illegal activity, ( e ) stolen goods including digital and virtual goods, ( f ) the promotion of hate, violence, racial or other forms of intolerance that is discriminatory or the financial exploitation of a crime, ( g ) items that are considered obscene, ( h ) items that infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right under the laws of any jurisdiction, ( i ) certain sexually oriented materials or services, ( j ) ammunition, firearms, or certain firearm parts or accessories, or ( k ) certain weapons or knives regulated under applicable law. - Dear God, No. Once again only XXXX and XXXX XXXX used. And I will gladly provide my cashapp transactions if needed to prove that as well. \nrelate to transactions that ( a ) show the personal information of third parties in violation of applicable law, ( b ) support pyramid or ponzi schemes, matrix programs, other \" get rich quick '' schemes or certain multi-level marketing programs, ( c ) are associated with purchases of annuities or lottery contracts, lay-away systems, off-shore banking or transactions to finance or refinance debts funded by a credit card, ( d ) are for the sale of certain items before the seller has control or possession of the item, ( e ) are by payment processors to collect payments on behalf of merchants, ( f ) are associated with the sale of traveler 's checks or money orders, ( g ) involve currency exchanges or check cashing businesses, ( h ) involve certain credit repair, debt settlement services, credit transactions or insurance activities, or ( i ) involve offering or receiving payments for the purpose of bribery or corruption. - Once again only XXXX and XXXX XXXX used. And I will gladly provide my cashapp transactions if needed to prove that as well. \ninvolve the sales of products or services identified by government agencies to have a high likelihood of being fraudulent. - Once again only XXXX and XXXX XXXX used. And I will gladly provide my cashapp transactions if needed to prove that as well. \nrelate to transactions involving any activity that requires pre-approval without having obtained said approval. - Once again only XXXX and XXXX XXXX used. And I will gladly provide my cashapp transactions if needed to prove that as well. \n\nI primarily use my PayPal for XXXX XXXX and XXXX transactions. In addition, my PayPal is authenticated and connected to Cash App where I receive occasional income from Cash App Deposits. Everything I do on PayPal is completely legitimate. \n\nHere are several examples of recent transactions : XX/XX/XXXXXXXX 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 Why This Closure Was Wrongful and Retaliatory : XXXX. All My Disputes Were Legitimate and Within Policy : I filed claims under Significantly Not As Described and Item Not Received, both of which fall squarely under the eligible scenarios laid out in PayPals own Buyer Protection Program ( XXXX XXXX XXXX XXXX  ). My dispute centered around an empty package being deliveredan issue supported by a police report filed with the XXXX XXXX XXXX. This scenario is explicitly outlined in the Buyer Protection policy as a qualifying reason for a refund.\n\n2. I Did Not Abuse Buyer Protection : According to PayPals policies, a buyer may file a dispute if : The item is materially different from what was ordered.\n\nThe order arrives missing items.\n\nThe order never arrives at all.\n\nThe item is damaged, unusable, or counterfeit.\n\nThese precisely describe my situation. None of my claims were speculative or excessive. I provided timely documentation and responded to every request. At no point did I file a dispute that fell outside the boundaries of the Buyer Protection terms. I\nwas told over the phone by PayPals own representatives that if the seller did not respond within XXXX  days, my case would be decided in my favor. The seller ( XXXX ) did not respond. I was wrongfully punished for requesting what I was promised.\n\n3. Account Termination Only Occurred After Filing a CFPB Complaint : My account was not under review, limited, or flagged in any way prior to the filing of my original CFPB complaint. Within XXXX hours of submission, I received notice that my account was terminated. This strongly suggests retaliatory intent. It sends the disturbing message that exercising ones right to file a complaint with the CFPB could result in being banned from a financial platform without warning. \nXXXX. I Have Not Violated the Acceptable Use Policy ( AUP ) : I reviewed the AUP carefully ( XXXX XXXX XXXX? XXXX ) and found no clausenonethat would implicate my PayPal activity. I do not engage in any restricted transactions or activities. I use PayPal almost exclusively for XXXX purchases and occasional transfers to my verified Cash App account. \n\nThese are not abuse, fraud, or illicit use. They are personal, traceable, and legitimate. \n\n\n\nConclusion : I believe I am being wrongfully accused of violating the AUP and PayPals Buyer Protection system, or whatever may be the reason. Not only have I followed the rules, I have gone above and beyond to cooperate : providing police reports, item descriptions, and full documentation. In return, I have been met with silence, mistreatment, and now account termination following a legally protected CFPB complaint.\n\nI respectfully request : Immediate reinstatement of my PayPal account.\n\nRestoration of access to pending disputes.\n\nA formal investigation into potential retaliatory action by PayPal in response to my initial CFPB filing. \n\nIf this complaint is not resolved, I am prepared to pursue further escalation through all legal and consumer protection avenues.","date_sent_to_company":"2025-04-25T10:09:51.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"77045","tags":null,"has_narrative":true,"complaint_id":"13176252","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-04-25T09:40:03.000Z","state":"TX","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["of the item, ( e ) are by payment processors to collect payments on behalf of merchants, ( f ) are associated with the sale of traveler 's checks or <em>money</em> orders, ( g ) involve <em>currency</em> exchanges or check cashing businesses, ( h ) involve certain credit repair, debt settlement <em>services</em>, credit transactions or insurance activities, or ( i ) involve offering or receiving payments for the purpose of bribery or corruption. - Once again only XXXX and XXXX XXXX used."]},"sort":[8.335682,"13176252"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":14,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":14}]}},"product":{"doc_count":14,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Money transfer, virtual currency, or money service","doc_count":13,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Domestic (US) money transfer","doc_count":4},{"key":"Mobile or digital wallet","doc_count":4},{"key":"Foreign currency exchange","doc_count":2},{"key":"Virtual currency","doc_count":2},{"key":"International money transfer","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}]}}]}},"issue":{"doc_count":14,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Fraud or scam","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Other transaction problem","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Managing, opening, or closing your mobile wallet account","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Closing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":1}]}},{"key":"Confusing or missing disclosures","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Money was not available when promised","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with customer service","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Trouble accessing funds in your mobile or digital wallet","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"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":14,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":13},{"key":"No","doc_count":1}]}},"company_response":{"doc_count":14,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":12},{"key":"Closed with non-monetary relief","doc_count":2}]}},"submitted_via":{"doc_count":14,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":14}]}},"company":{"doc_count":14,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Paypal Holdings, Inc","doc_count":5},{"key":"Coinbase, Inc.","doc_count":2},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":1},{"key":"Early Warning Services, LLC","doc_count":1},{"key":"MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC","doc_count":1},{"key":"Paxful Holdings, Inc.","doc_count":1},{"key":"Revolut Technologies Inc.","doc_count":1},{"key":"TransferWise Ltd","doc_count":1},{"key":"WELLS FARGO & COMPANY","doc_count":1}]}},"state":{"doc_count":14,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"NY","doc_count":3},{"key":"FL","doc_count":2},{"key":"TX","doc_count":2},{"key":"AR","doc_count":1},{"key":"CO","doc_count":1},{"key":"MA","doc_count":1},{"key":"NJ","doc_count":1},{"key":"NV","doc_count":1},{"key":"WA","doc_count":1}]}},"company_public_response":{"doc_count":14,"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":1}]}},"tags":{"doc_count":14,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Older American","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":{}}}