{"took":132,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":12,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4333569","_score":29.055273,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On Sunday, XX/XX/2021, when I wake up around XXXX and tried to check email, I could not sign in. Then I checked my coinbase pro account to see the activity, it was also not letting me in. Then I realized my XXXX XXXX service was out, but internet was working through my home Wi-Fi. I tried to reset my XXXX account as well as coinbase pro account. I went to coinbase support and email about the incident. After several attempts, I was able to reset my password for email. Then I realize my t mobile service was back and was able to reset coinbase account. I saw all my virtual currency was stolen and left with approximately {$160.00} cash balance. But after few minutes the coinbase pro account signed out automatically and locked. I emailed coinbase support again about the account transaction. Then I immediately called XXXX XXXX customer service about the incident. XXXX XXXX representative acknowledge that my sim was swapped by an unauthorized person around XXXX in the morning and the fraud department later detect the fraud and redirect the sim back to my phone. During this couple of hours of time frame the hacker was able to get into my email, change the email password, get into my coinbase pro account, change the password, and transfer the virtual currency. Also, the hacker deposit {$1000.00} instantly from my linked bank account to buy more virtual currency and transfer that too. I found that Monday morning when I was checking my bank account. It shows as the transaction to coinbase was in process of transferring from my Bank. Since I called my bank on Sunday to stop all transaction from coinbase, they were able to reverse back that {$1000.00} transaction. I informed this issue to coinbase support too. I got a case number from coinbase, but my account is locked. Try to call coinbase customer support but can not have live person to report. Not sure how coinbase is handling the case. Need help to get my money back. Also, called t mobile several times regarding sim swap, they accept its their fault but not willing to compensate the loss. Do not know where to call or how to get help to get my money back. Please help. Thank you.","date_sent_to_company":"2021-04-28T15:33:34.000Z","issue":"Other transaction problem","sub_product":"Virtual currency","zip_code":"622XX","tags":null,"has_narrative":true,"complaint_id":"4333569","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2021-04-28T15:01:10.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Then I immediately called XXXX XXXX customer <em>service</em> about the incident. XXXX XXXX representative acknowledge that my sim was swapped by an <em>unauthorized</em> person around XXXX in the morning and the fraud department later detect the fraud and redirect the sim back to my phone. During this couple of hours of time frame the hacker was able to get into my email, change the email password, get into my coinbase pro account, change the password, and <em>transfer</em> the <em>virtual</em> <em>currency</em>."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"],"sub_product":["<em>Virtual</em> <em>currency</em>"]},"sort":[29.055273,"4333569"]},{"_index":"complaint-public-v1","_id":"17504922","_score":23.612385,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"CFPB COMPLAINT : PAYPAL ( Unauthorized Transaction Source and Compliance Failure ) Target Product : Money transfer, virtual currency, or money service Target Complaint Category : Fraud or other suspicious activity Issue : Unauthorized funds transfer Transaction Date : XX/XX/2025 Amount : {$39.00} Transaction Descriptor : XXXX Transfer from XXXX XXXX Co. \nYour Complaint Text ( Copy/Paste this description for the CFPB submission ) : On XX/XX/2025, an unauthorized DEPOSIT of {$39.00} was sent to my bank account with Bank of XXXX XXXX XXXX ). The transfer descriptor, originating from PayPal, used the XXXX XXXX XXXX XXXX XXXX, which is the precise name associated with me, XXXX XXXX XXXX I did not initiate this DEPOSIT, and the use of my associated name suggests potential fraud and unauthorized use of my identity within the PayPal system to create the sending account. \nRefusal of Trace/Information : I contacted PayPal to XXXX the origin of this specific XXXX transfer, including the sending account details, the identity of the sender, or a trace ID. \nCompliance Failure : PayPal explicitly stated they could not or would not provide any tracing information or confirmation of the sender 's identity, effectively blocking the victim 's ability to investigate the potential identity theft event that occurred on their platform. \nSystemic Risk : This refusal demonstrates a critical compliance failure, as PayPal is facilitating suspicious transactions that use identity-linked descriptors and then refusing to cooperate with the victim to secure the transaction data required to stop the identity abuse. \nDesired Resolution : PayPal must immediately investigate and provide all internal data, including the source account, trace number, and confirmation of what identity documentation ( KYC ) was used to set up the XXXX XXXX XXXX XXXX account that generated this unauthorized transfer. Given PayPal 's refusal to provide necessary data to victims, I demand the CFPB initiate a comprehensive audit of PayPal 's compliance with KYC requirements and data security, resulting in mandatory civil penalties and structural changes to facilitate class-wide recovery for all affected consumers.","date_sent_to_company":"2025-11-26T05:13:48.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"30143","tags":null,"has_narrative":true,"complaint_id":"17504922","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-11-26T05:05:46.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["CFPB COMPLAINT : PAYPAL ( <em>Unauthorized</em> Transaction Source and Compliance Failure ) Target Product : <em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em> Target Complaint Category : Fraud or other suspicious activity Issue : <em>Unauthorized</em> funds <em>transfer</em> Transaction Date : XX/XX/2025 Amount : {$39.00} Transaction Descriptor : XXXX <em>Transfer</em> from XXXX XXXX Co."],"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":[23.612385,"17504922"]},{"_index":"complaint-public-v1","_id":"16939022","_score":22.791405,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"CFPB CONSUMER COMPLAINT : FAILURE TO SECURE AND MANAGE PAYMENT DATA Complainant : XXXX XXXX XXXX : The Home Depot Date of Escalation Failure : XX/XX/year> Product Category Suggestion ( for the form ) : Primary Product : Money transfers, virtual currency, or money service Sub-Product/Issue : Other Detailed Description of Complaint ( Paste this into the narrative box ) : I am filing this complaint due to The Home Depot 's systemic failure to secure and manage my personal payment data. My credit card ( XXXX ) is illegally and persistently linked to a third-party XXXX XXXX account belonging to XXXX, XXXX XXXX XXXX due to a systemic data failure originating between XXXX. \n\nHome Depot 's policy refuses to disconnect my card unless the contractor authorizes it, thus forcing me, the cardholder, to be subject to a third party 's control over my financial data. This policy creates a financial risk and directly violates my right to data security. \n\nThe failure has caused data integrity issues : I lost access to my pre-membership purchase history, and all subsequent transactions ( including those made using my own Pro ID XXXX ) are misfiled under the contractor 's account. \n\nI escalated to Executive Escalations ( XXXX XXXX XXXX who failed to resolve the security breach by the XX/XX/year> deadline. I demand the immediate deletion of card XXXX from the unauthorized account and transfer of all associated transaction data to my correct XXXX account.","date_sent_to_company":"2025-10-31T22:12:31.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"94062","tags":null,"has_narrative":true,"complaint_id":"16939022","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-10-31T21:59:45.000Z","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":["CFPB CONSUMER COMPLAINT : FAILURE TO SECURE AND MANAGE PAYMENT DATA Complainant : XXXX XXXX XXXX : The Home Depot Date of Escalation Failure : XX/XX/year> Product Category Suggestion ( for the form ) : Primary Product : <em>Money</em> <em>transfers</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em> Sub-Product/Issue : Other Detailed Description of Complaint ( Paste this into the narrative box ) : I am filing this complaint due to The Home Depot 's systemic failure to secure and manage my personal payment data."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"],"issue":["<em>Unauthorized</em> transactions or other transaction problem"]},"sort":[22.791405,"16939022"]},{"_index":"complaint-public-v1","_id":"20768256","_score":22.089378,"_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 : Fraud or scam / <em>Unauthorized</em> 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."]},"sort":[22.089378,"20768256"]},{"_index":"complaint-public-v1","_id":"3644152","_score":21.837635,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I started trading in the Internet-based platform of a merchant called XXXX XXXX ( hereinafter the Merchant ), available under https : https : //hyperlink.services.treasury.gov/agency.fincen? origin=https : //fxnobels.io. The Merchant claimed to be a financial investment firm dealing with regulated financial tools, such as CFDs, indices, binary options, commodities, etc. In addition, the officers and employees of the Merchant are also presented as experienced financial brokers. We contend based on our research in the available public registries that the Merchant is not licensed to offer regulated financial tools or to provide financial advice to third parties. Furthermore, our investigation in the case has discovered that there are warnings and citations by Government authorities for a lack of license issued against the Merchant. In light of this information, it can be concluded that the Merchants claims to have been a registered finance broker are a clear example of a misrepresentation of the Merchant. Acting in good faith and in reliance of the Merchants claims, I ordered a service-related opening of an investment brokerage account to be used for subsequent trading with financial tools in real time. Following this, certain amounts of money were withdrawn from my bank account. The Merchant undertook to provide me with an investment account and to keep my money on this account, which never happened and by lack of respective license. I should have been granted access to such account in order to be able to use it for trade financial products as listed. All this never happened as the Merchant lacks the license ( misinterpretation of the service ). Any trading services at that time were not connected to my funds. This is not the service that the Merchant is required to have provided ( service not as described ), XXXX AND COINBASE PART IN THIS CASE : There have been several digital currency transfers using e-wallets supplied by XXXX and Coinbase over the course of the agreement between me and XXXX XXXX. \n\nBecause of the sensibility of the matter and with regards to considerations for protecting the public interest and financial stability such licenses are listed in publicly available registries. Especially banksXXXX shall be aware of the fact if a Merchant receiving payments for financial services and having declared before the bank/XXXX as a company main business provision of financial services ( or similar wording ) has the required license, or not. Such a business model should have been disclosed to you when the Merchant applied for your services. The due diligence would prerequisite in such case prior commencing processing payments of the Merchant you to have performed an initial and ongoing check-up of the Merchants  entitlement to provide financial services. By lack of license, the bank/XXXX should refuse processing payments for such Merchant in order to meet the mandatory regulations. \n\nAn offence against the financial system stability is perpetrated by, not only the person acting directly without a licence ( i.e. the Merchant ) but also by any person ( s ) allowing and/or contributing in some manner to this occurrence ( i.e. Bank, or financial institution ). According to this, a registered payment institution and/or their officers in charge, need to be able to prove that they were compliant with the legal provisions applicable. Acting as such it is within their line of duty to request and verify the required Know-your-customer documents, including financial licence, and to perform the due diligence accordingly. Should a digital currency exchange fail to prove that their due diligence was duly complied with, they are in breach of their legal responsibilities to their clients. According to this in its capacity of service provided engaged with a money value transfer service and XXXX/ XXXX-XXXX custody management, XXXX and Coinbase, or their officers in charge with the claimed transactions, could under certain circumstances be considered as a person ( s ) facilitating provision of financial services by the Merchant or others, as the case may be, unless they prove that they were compliant with the legal provisions applicable for the transactions in question, for example, that they were presented with the required know-your-customer documents, including financial license, or if they prove successfully that their due diligence does not include the check-up of such publicly available information of substantial importance for the concerned transactions. \n\nBased upon the above we would like to be informed if XXXX and Coinbase has performed diligently check-up of the Merchant,  including inquiry in the public registries ( identity, license, activity, etc. )? Was XXXX and Coinbase ever in possession of a valid license of the Merchant in order to process payments for provided finance services? If not, why were the disputed transactions processed by XXXX and Coinbase? In any case, we demand disputed transactions made in favor of unauthorized Merchant, which makes such payments and transactions not grounded and fraudulent ( i.e. null and void ), to be remedied. \n\nRisk from a money-laundering : In order to mitigate the potentially higher risks which arise from entering into relations with unregulated Merchant, the following enhanced due diligence ( EDD ) measures may be implemented by a diligent provider of virtual currency exchange : a ) corroborating the identity information received from the customer, such as a national identity number, with information in third-party databases or other reliable sources ; b ) potentially tracing the customers IP address ; c ) searching the Internet for corroborating activity information consistent with the customers transaction profile, provided that the data collection is in line with national privacy legislation ; d ) intended nature of the business relationship, obtaining information on the source of funds of the customer, obtaining information on the reasons for intended or performed transactions, and conducting enhanced monitoring of the relationship ; In case of an initiated digital currency transaction when the recipient does not have an account opened at a web-based system of a virtual asset service provider, as a matter of good practice, the virtual asset service provider shall invite the recipient to open such an account. In this way the digital currency exchange operator will be able to fulfill his obligations to obtain, hold, and transmit the required originator and beneficiary information in order to identify and report suspicious transactions, monitor the availability of information, take freezing actions, and prohibit transactions with the designated persons and entities. With this regard, we would like to kindly inform ourselves what was the scope and the result of the customer authentication concerning the Merchant that XXXX and Coinbase should have performed both, prior commencing to receive payments on its behalf and subsequently after having started receiving payments for financial services on its behalf? Did XXXX and Coinbase underwriters ever access the web-platform of the Merchant, the sites of the financial conduct authorities and other sources of relevant information or the customer authentication has been made only based upon the formal provision of the Merchants application? What was the ultimate result of these measures, respectively was the Merchant ever assessed as being a risk from a money-laundering prospective? \n\nFinally I sent a letter to XXXX and Coinbase asking for their your support and understanding in the case concerning XXXX XXXX and they have been silent on the issues raised in the letter and refuses to respond after several attempts.","date_sent_to_company":"2020-05-12T18:44:35.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"3644152","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2020-05-08T10:33:18.000Z","state":null,"company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["the recipient does not have an account opened at a web-based system of a <em>virtual</em> asset <em>service</em> provider, as a matter of good practice, the <em>virtual</em> asset <em>service</em> provider shall invite the recipient to open such an account."],"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":[21.837635,"3644152"]},{"_index":"complaint-public-v1","_id":"14097990","_score":21.701462,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Company : PayPal Issue : Closed account Category : Money transfer, virtual currency, or money service Product : Payment App or Service ( e.g., PayPal, Venmo ) Description of the Problem : PayPal wrongfully closed my account and has restricted my access due to deposits made by a XXXX party, without my knowledge that those deposits were invalid or considered risky. These transactions were not initiated by me and I had no reason to believe they were unauthorized or fraudulent at the time. \n\nOnce I became aware of the issue, I attempted to work with PayPal to clarify the situation and prove that I was not responsible for the XXXX partys actions. Despite submitting any required documentation and explaining the matter, PayPal proceeded to close my account and restrict access, treating me as if I had violated their policies intentionally. \n\nI have already submitted complaints to both the Ohio Attorney General and the Better Business Bureau, but neither entity was able to assist in getting the matter resolved. My attempts to escalate this with PayPal directly have been unsuccessful. \n\nThis action by PayPal is unfair and has impacted my ability to conduct business or manage my finances through their platform, which I had used for XXXX years without issue until this XXXX-party interference. I am asking for the Consumer Financial Protection Bureaus assistance in : Reviewing this unfair account closure, Ensuring that PayPal provides a fair explanation and/or reinstates my account, and Helping facilitate the release of any legitimate funds that may still be frozen.\n\nDesired Resolution : Reopen or reconsider the closure of my PayPal account after reviewing the true origin of the questionable transactions. \nUnfreeze any funds that were held in the account if they are rightfully mine. \nPrevent this kind of unfair penalization of innocent account holders in the future.","date_sent_to_company":"2025-06-16T15:04:36.000Z","issue":"Trouble accessing funds in your mobile or digital wallet","sub_product":"Mobile or digital wallet","zip_code":"43082","tags":null,"has_narrative":true,"complaint_id":"14097990","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-06-16T14:55:32.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Company : PayPal Issue : Closed account Category : <em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em> Product : Payment App or <em>Service</em> ( e.g., PayPal, Venmo ) Description of the Problem : PayPal wrongfully closed my account and has restricted my access due to deposits made by a XXXX party, without my knowledge that those deposits were invalid or considered risky. These transactions were not initiated by me and I had no reason to believe they were <em>unauthorized</em> or fraudulent at the time."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"]},"sort":[21.701462,"14097990"]},{"_index":"complaint-public-v1","_id":"19851722","_score":21.686865,"_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 : 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 <em>unauthorized</em> 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":["<em>Unauthorized</em> transactions or other transaction problem"]},"sort":[21.686865,"19851722"]},{"_index":"complaint-public-v1","_id":"17465585","_score":21.372684,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Issue Type : Money transfer, virtual currency, or money service Fraud or unauthorized transaction Dispute handling Complaint Summary : On XX/XX/year>, an unauthorized transaction occurred through my PayPal account involving Walmart. I reported the transaction to PayPal the same day. \n\nWalmart has confirmed on the transaction date that my information is not attached to an account they are able to locate. This search was done using my name, email, phone and address. It was confirmed that the account used for this purchase does not belong to me. My bank also confirmed fraudulent activity, froze my checking account due to compromise, and required me to open a new account. \n\nDespite both independent parties validating this as fraud, PayPal is the only entity refusing to acknowledge the unauthorized nature of the transaction. PayPal denied my claim without providing any evidence that I authorized the billing agreement or the purchase. \n\nThrough a XXXX escalation, PayPals executive office responded but simply repeated a template conclusion stating all indicators suggest the account was secure, without addressing the evidence I provided, including : Walmart confirming the purchasers account is not mine My bank validating this as fraud and issuing me a new account Proof I reported the transaction immediately on XX/XX/XXXX Documentation of compromised banking information. \n\nI have been contacting PayPal for this issue since XX/XX/year>. When no action was taken I emailed the executive team and office, in which I did not receive any resounds until weeks later when I filed a complaint with XXXX in which PayPal did not respond to. \nOn Wednesday, XX/XX/year>, I emailed PayPals executive representative again requesting a new investigator and a written explanation. I have received no response. \n\nPayPal has not produced any evidence showing I authorized this transaction and has failed to follow standard fraud-handling procedures.\n\nRequested Resolution : I am requesting : 1. A full, independent review of my fraud claim, 2. A refund of the unauthorized transaction, 3. A written explanation of the evidence PayPal relied upon.","date_sent_to_company":"2025-11-25T01:28:51.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"490XX","tags":null,"has_narrative":true,"complaint_id":"17465585","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-11-25T01:15:40.000Z","state":"MI","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":["Issue Type : <em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em> Fraud or <em>unauthorized</em> transaction Dispute handling Complaint Summary : On XX/XX/year>, an <em>unauthorized</em> transaction occurred through my PayPal account involving Walmart. I reported the transaction to PayPal the same day. \n\nWalmart has confirmed on the transaction date that my information is not attached to an account they are able to locate. This search was done using my name, email, phone and address."],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"]},"sort":[21.372684,"17465585"]},{"_index":"complaint-public-v1","_id":"21054563","_score":20.54309,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Company Name : XXXXXXXX XXXX XXXX XXXX XXXX  Product : Money transfer, virtual currency, or money service Issue : Account closed or frozen Complaint Description : On XX/XX/year>, I successfully completed a money transfer to XXXX via my XXXX account ( associated with email : XXXX ). This is a long-standing account containing years of financial records, bank details, and transaction history. \n\nOn XX/XX/year>, I discovered I could no longer log in. I attempted a password reset, but no email was ever received. When attempting to log in via the linked PayPal accounta method I have used for yearsI received an error stating it was a \" business account '' and could not be used. Following XXXX 's system prompts, I created a new XXXX PayPal account using a different email address to attempt a login. While this allowed me to access a 'new \" XXXX account, none of my historical data, bank records, or past transaction receipts from XXXX were present. This confirms that my original accountcontaining years of sensitive financial informationhas been orphaned or disconnected without a way for me to retrieve my data. \n\nI spent over an hour on the phone starting at XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX, speaking with both XXXX and PayPal ( specifically a representative named XXXX XXXX. The two entities provided conflicting information : XXXX XXXX : ( several, the last one was named XXXX XXXX claimed my account was \" closed '' by PayPal and insisted they had no control over the closure or the data.\n\n-PayPal Representative : explicitly stated that PayPal did not close the account, has no access to Xooms internal records, and can not see the account status.\n\nAs of now, my accountcontaining sensitive financial data and years of receiptshas vanished without a single notification, confirmation email, or explanation. I am deeply concerned about a potential security breach or unauthorized account takeover, yet both companies have denied accountability. I have formally requested my Data Log and a written confirmation of closure/reasoning from XXXX, which remains unanswered.","date_sent_to_company":"2026-04-16T19:27:33.000Z","issue":"Other transaction problem","sub_product":"International money transfer","zip_code":"60540","tags":null,"has_narrative":true,"complaint_id":"21054563","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-04-08T15:40:33.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Company Name : XXXXXXXX XXXX XXXX XXXX XXXX  Product : <em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em> Issue : Account closed or frozen Complaint Description : On XX/XX/year>, I successfully completed a <em>money</em> <em>transfer</em> to XXXX via my XXXX account ( associated with email : XXXX ). This is a long-standing account containing years of financial records, bank details, and transaction history. \n\nOn XX/XX/year>, I discovered I could no longer log in."],"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":[20.54309,"21054563"]},{"_index":"complaint-public-v1","_id":"20035974","_score":19.964941,"_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 fraud or scam / Unexpected/<em>unauthorized</em> 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>"]},"sort":[19.964941,"20035974"]},{"_index":"complaint-public-v1","_id":"16335833","_score":18.314425,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Re : Formal Complaint against Wells Fargo & Company - Failure to Act on Immediate Error Notification Wells Fargo Claim # XXXX Product : Money Transfer / Virtual Currency / Peer-to-Peer Payment ( XXXX ) I am filing this complaint against Wells Fargo regarding their failure to provide adequate customer support and their subsequent denial of relief for a {$3500.00} XXXX transfer that I mistakenly sent to the wrong recipient due to a transcription error. \n\nDetails of the Issue : On XX/XX/XXXX, I authorized a XXXX transfer for {$3500.00} from my Wells Fargo XXXX Savings account ( ending in XXXX ). Due to a user error, I mistyped the last digit of the XXXX  number, and the funds were immediately transferred to an unintended party.\n\nImmediate Notification and Banks Failure to Intervene : I acted with extreme urgency. I realized the error immediately and called Wells Fargo Customer Service on XX/XX/XXXX, just 20 minutes after the transfer was initiated. This timely action provided Wells Fargo with the earliest possible chance to halt or recall the funds before the unintended recipient could access them. \n\nI followed the bank 's guidance. Despite the urgency of the matter, the Wells Fargo representative advised me to proceed by filing a formal dispute ( Claim # XXXX ). This process is inherently slow and designed primarily for unauthorized fraud, not real-time user errors. \n\nBanks Procedural Failure : By directing me into a lengthy dispute process, the bank failed to utilize the crucial 20-minute window I provided. A direct, urgent intervention attempt with the receiving financial institution was the only effective way to recover the funds in real-time. Wells Fargo chose a procedural path that guaranteed the funds would be unrecoverable by the time their investigation concluded. \n\nClaim Denial : My claim was denied on XX/XX/XXXX, and the denial was upheld by the XXXX Complaints Management Office on XX/XX/XXXX. XXXX XXXX decision rests entirely on the technicality that I \" authorized '' the transfer, completely disregarding my immediate notification and the poor advice that prevented a potential recovery. While I understand XXXXXXXX XXXX terms, I believe a prompt report of a clear user error deserves a dedicated, expedited internal response, not a standard denial. \n\nI am requesting that the CFPB investigate Wells Fargo 's protocol for handling immediate reports of mistaken XXXX transfers. I seek an investigation into whether the banks internal procedures and customer service guidance are adequate when a customer reports an immediate, non-fraudulent error that still results in a loss of {$3500.00}. I believe I am entitled to reimbursement due to the bank 's failure to effectively utilize the critical notification window I provided. \n\nI have attached all relevant documentation, including Wells Fargo 's response letters. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-10-03T02:42:12.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"554XX","tags":null,"has_narrative":true,"complaint_id":"16335833","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-10-03T02:33:59.000Z","state":"MN","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 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Re : Formal Complaint against Wells Fargo & Company - Failure to Act on Immediate Error Notification Wells Fargo Claim # XXXX Product : <em>Money</em> <em>Transfer</em> / <em>Virtual</em> <em>Currency</em> / Peer-to-Peer Payment ( XXXX ) I am filing this complaint against Wells Fargo regarding their failure to provide adequate customer support and their subsequent denial of relief"],"product":["<em>Money</em> <em>transfer</em>, <em>virtual</em> <em>currency</em>, or <em>money</em> <em>service</em>"],"issue":["<em>Unauthorized</em> transactions or other transaction problem"]},"sort":[18.314425,"16335833"]},{"_index":"complaint-public-v1","_id":"21633221","_score":12.941698,"_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 Fraud or scam 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>"],"issue":["<em>Unauthorized</em> transactions or other transaction problem"]},"sort":[12.941698,"21633221"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":12,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":12}]}},"product":{"doc_count":12,"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":7},{"key":"Virtual currency","doc_count":2},{"key":"Domestic (US) money transfer","doc_count":1},{"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":12,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Fraud or scam","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Unauthorized transactions or other transaction problem","doc_count":4,"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":"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":[]}}]}},"timely":{"doc_count":12,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":12}]}},"company_response":{"doc_count":12,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":10},{"key":"Closed with non-monetary relief","doc_count":2}]}},"submitted_via":{"doc_count":12,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":12}]}},"company":{"doc_count":12,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Paypal Holdings, Inc","doc_count":6},{"key":"Coinbase, Inc.","doc_count":2},{"key":"SYNCHRONY FINANCIAL","doc_count":2},{"key":"CITIBANK, N.A.","doc_count":1},{"key":"WELLS FARGO & COMPANY","doc_count":1}]}},"state":{"doc_count":12,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"IL","doc_count":3},{"key":"MI","doc_count":2},{"key":"CA","doc_count":1},{"key":"GA","doc_count":1},{"key":"IA","doc_count":1},{"key":"MN","doc_count":1},{"key":"OH","doc_count":1},{"key":"TX","doc_count":1}]}},"company_public_response":{"doc_count":12,"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":4}]}},"tags":{"doc_count":12,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Older American","doc_count":1},{"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":{}}}