{"took":54,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":79,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"5528237","_score":17.196857,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Go XXXX issued me a credit limit of {$4700.00} towards my dental credit. When I went to the dentist, they charged the card for the full {$4700.00}. I had been calling the dentist and the credit card to complain that this wasnt correct. XXXX originally told me there was nothing they can do about it and to resolve the issue with the dentist. After 2 years, I finally got the dentist to refund {$3200.00} that I had been paying interest on after pursuing legal action. After the dentist refunded the money, I contacted XXXX and had to speak with a supervisor because they would not refund my check. After speaking with a supervisor who informed me that they could have disputed the charges from the first time I called and alleviated all of this pain, suffering and financial hardships Ive been cause because of this. That supervisor then filed a dispute on my behalf. I received a letter stating that I would be refunded {$310.00} in interest charges. I was never refunded and the dispute was closed. I have called the company numerous times and was refused names, a # and have been hung up on each time. I finally spoke with XXXX XXXX who stated that was transferring me to a supervisor. I was once again hung up on by the supervisor and I am at a point of a mental breakdown trying to have this issue resolved. If someone from the corporate office could call me to have this issue resolved because I am close to filing a lawsuit. This is causing me great pain. Especially not to be able to SPEAK with anyone who can help me!!!!!!","date_sent_to_company":"2022-05-02T13:04:18.000Z","issue":"Fees or interest","sub_product":"Store credit card","zip_code":"33137","tags":"Servicemember","has_narrative":true,"complaint_id":"5528237","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2022-05-02T12:41:35.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["Go XXXX issued me a <em>credit</em> limit of {$4700.00} towards my dental <em>credit</em>. When I went to the dentist, they charged the <em>card</em> for the full {$4700.00}. I had been calling the dentist and the <em>credit</em> <em>card</em> to complain that this wasnt correct. XXXX originally told me there was nothing they can do <em>about</em> it and to resolve the issue with the dentist. After 2 years, I finally got the dentist to refund {$3200.00} that I had been paying interest on after pursuing legal action."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"]},"sort":[17.196857,"5528237"]},{"_index":"complaint-public-v1","_id":"1709218","_score":16.580086,"_source":{"product":"Credit card","complaint_what_happened":"I am writing this complaint in reference to a charge on my AAdvantage Citibank Visa Credit Card account, which I am disputing. At some point in XXXX 2015, my account was victim of fraudulent charges, after which I had to be issued a new card. Upon discovering one the charges ( by XXXX XXXX ), I immediately called the merchant to inform them of that charge ( Ref # XXXX, {$2500.00} ). I also contacted Citibank regarding the fraudulent charge. Citibank promised to investigate the matter but did not readily credit the disputed amount. Given the exorbitant amount of the charge and the fact that I was unsure if the money would be credited back by Citibank, I tried to resolve the matter with the merchant, which took a lot of time and effort. The merchant eventually agreed to issue a courtesy credit of {$300.00} for the pain and suffering that the fraudulent charge had caused me, as well as the amount of time I had spent trying to resolve the issue. Eventually, Citibank also issued a credit on my account for the original amount of the fraudulent charge. On XXXX/XXXX/15, the abovementioned credit of {$300.00} was posted to my account. However, the credit was later reversed on or about XXXX/XXXX/15. When I called Citibank to inquire about why this credit had been reversed, I was informed that the credit had been reversed because I had been given a double credit for the same charge. \nI dispute the fact that I was given a double credit for the same charge. The credit of {$300.00} was specifically issued by the merchant on a voluntary basis, and as a courtesy to compensate me for pain and suffering due to the fraudulent charge and the time spent to try and resolve the issue, while the credit issued by Citibank was for the charge itself. I believe this credit of {$300.00} should either be put back on my account or returned to the merchant, and in no way should be kept by Citibank, as it was specifically issued to me by the merchant and for the specific reasons mentioned above. It would be unlawful for Citibank to intercept and \" pocket '' this credit.","date_sent_to_company":"2015-12-23T15:35:40.000Z","issue":"Billing disputes","sub_product":null,"zip_code":"756XX","tags":null,"has_narrative":true,"complaint_id":"1709218","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2015-12-20T03:27:54.000Z","state":"TX","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I am writing this complaint in reference to a charge on my AAdvantage Citibank Visa <em>Credit</em> <em>Card</em> account, which I am disputing. At some <em>point</em> in XXXX 2015, my account was victim of fraudulent charges, after which I had to be issued a new <em>card</em>. Upon discovering one the charges ( by XXXX XXXX ), I immediately called the merchant to inform them of that charge ( Ref # XXXX, {$2500.00} ). I also contacted Citibank regarding the fraudulent charge."],"product":["<em>Credit</em> <em>card</em>"]},"sort":[16.580086,"1709218"]},{"_index":"complaint-public-v1","_id":"13830732","_score":15.6105,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"After having accepted an invitation from open sky gold card and that's the only way you can get this card is by being invited I was not supposed to inquire or ding on my credit report or an inquiry or lose any point and I did from Experian From accepting this card as stated by open sky gold card but I did unnecessarily ... Also please no continuously even pain on time or before time I am constantly losing points from experience once I started reaching XXXX somebody starts shooting my points down and nothing has changed about my expenditure or payment history I'm a creature of habit and I use the same routine someone is being very knowledgeable about credit and the FICO score department something is seriously going on and I would like for my points to be replenished there is no reason for this and it's unacceptable if this can not be resolved through the consumer financial protection bureau I will take this up with my attorney general 's office and the federal trade commissioners I have extensive proof and this is unacceptable... I don't know if the IT department is manipulating the numbers or causing this issue but something is going on nothing has changed about myself and I do follow the rules in the regulations regarding the usage of a credit card and I know that when my balance is go down especially in my mortgage anything my credit should go up because it shows me as a consumer as a responsible individual as well as there's a decline in my debt... Meaning my balance is going down or it is {$0.00} but there is usage never over 10 % mortgage is a different story because that's a 30-year contract based on the monthly payments I don't know who these people are that they have trained in the background, but they're not knowledgeable about XXXX XXXX XXXX XXXX XXXX XXXX IT COMES TO MORTGAGES or the laws that's governed under the FCRA or the FTC...","date_sent_to_company":"2025-06-01T20:01:18.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"94509","tags":"Older American","has_narrative":true,"complaint_id":"13830732","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-06-01T18:49:49.000Z","state":"CA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["After having accepted an invitation from open sky gold <em>card</em> and that's the only way you can get this <em>card</em> is by being invited I was not supposed to inquire or ding on my <em>credit</em> report or an inquiry or lose any <em>point</em> and I did from Experian From accepting this <em>card</em> as stated by open sky gold <em>card</em> but I did unnecessarily ..."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.6105,"13830732"]},{"_index":"complaint-public-v1","_id":"4936145","_score":14.229727,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"In XX/XX/XXXX, we signed the paperwork with XXXX XXXX, XXXX Design Consultant @ XXXX XXXX, for window replacement/installation project in our summer house in XXXX, NY. I opened a Home Depot credit card as part of the deal and began repaying the deposit for this project ( XX/XX/XXXX - {$500.00} ; XXXX - {$200.00} ; XX/XX/XXXX - {$200.00} ; {$900.00} all together ). In XXXX, we got our windows measured by another XXXX XXXX employee. In XXXX, we scheduled the date for installation - XX/XX/XXXX, Saturday. We were very specific about a Saturday appointment as we live in XXXX and can only come every other Saturday. For the past XXXX weeks ( before XX/XX/XXXX ), we would get reminders a few times a week- via text messages, e-mails, and voice mails- about the upcoming installation date asking us to be in the house between XXXX and XXXX a.m. and reminding us about the importance of removing everything XXXX feet away from the windows. As law abiding and loyal customers, we came Friday night ( XX/XX/XXXX ) to follow the instructions. At XXXX (!!! ) a.m., we got a phone call from XXXX XXXX ( XXXX ) who told us that they had to cancel an appointment since they didn't have installation crew... He failed to answer when I asked him if he had found out about that issue at XXXX a.m. on Saturday. We were upset to the point my husband had to take his XXXX XXXX XXXX medication and pain relief pills. It was so unacceptable and unprofessional on the XXXX XXXX! \nWe explained to XXXX XXXX that we are not available in XXXX- the whole point of that project was to get the windows replaced before winter. I tried to reach someone at Customer Service to get help. It was not easy as it was Saturday. I spoke to XXXX ( XXXX XXXX at XXXX, ext. XXXX ) who assured that XXXX XXXX ( XXXX XXXX ; ext. XXXX ) would give me a call the first thing on Monday, XX/XX/XXXX. Today is Monday XX/XX/XXXX ; no one has contacted me. I had to call these people myself : XXXX did not pick the phone and did not return my message ; XXXX again promised someone would contact me. \nNow, I am trying to close the XXXX XXXX card and get my money back ( {$900.00} ). Credit Card XXXX explained it is not up to them. XXXX XXXX Customer Service explained it is not up to them. Who is it up to??? We are so disappointed with the way they speak and treat us when we try to explain the issue. \nPlease assist us to cancel the deal, close the credit card, and get the money back. Thank you.","date_sent_to_company":"2021-11-22T16:36:14.000Z","issue":"Closing your account","sub_product":"Store credit card","zip_code":"11235","tags":null,"has_narrative":true,"complaint_id":"4936145","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2021-11-22T16:00:52.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["Now, I am trying to close the XXXX XXXX <em>card</em> and get my money back ( {$900.00} ). <em>Credit</em> <em>Card</em> XXXX explained it is not up to them. XXXX XXXX Customer Service explained it is not up to them. Who is it up to??? We are so disappointed with the way they speak and treat us when we try to explain the issue. \nPlease assist us to cancel the deal, close the <em>credit</em> <em>card</em>, and get the money back. Thank you."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"]},"sort":[14.229727,"4936145"]},{"_index":"complaint-public-v1","_id":"3499149","_score":13.843945,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"While I was on a XXXX XXXX flight to visit my parents in XXXX, TX ( with my credit card on my person ), 3 fraudulent transactions were made at \" XXXX XXXX XXXX XXXX XXXX '' with my credit card in the amounts of XXXX, XXXX, and XXXX, respectively. This was on XX/XX/XXXX. \n\nI received a call later that night from my hotel room alerting me to the fraud, and when I checked my statement, sure enough, there were 3 purchases that I definitely did not make on my statement. I called to verify that yes, they were obviously fraudulent -- I was in XXXX, Texas. I thought that was the end of it. \n\nLater, after arriving home from XXXX, I got another call from USAA, my credit card issuer. They asked for more details around the transaction and told me that it was a chip transaction. I told them this seemed weird to me, as I thought chip transactions were not supposed to have this problem. The lady agreed and seemed very cold and suspicious. \n\nI said that I didn't know what happened but my credit card was with me the whole time and my family saw me not only vent about the fraud and how I would have to change my credit card number, but also saw me with my credit card on multiple occasions.\n\nAfter telling the investigator I was sure it was fraud, she took some time to do her investigation. On XX/XX/XXXX, the same investigator called me back explaining that it was impossible for there to be fraud with a chip card. She said the investigation ruled against me. I said that didn't make sense because I wasn't there and didn't know anything about it and eventually started crying ( I'm saving up for a house and it was a lot of money ). She got uncomfortable, then angry, and hung up. She did not show any empathy through any of this. \n\nAfter researching my options, I called USAA to start an appeal process to the decision ( on the same day ) and also looked into hiring a lawyer. I will wait for the appeal before hiring a lawyer since they're expensive and a pain -- I really just want the whole thing to go away which was supposed to be the point of \" XXXX  fraud liability '' as the bank advertises on the card. I always use my credit card instead of my debit card in case something like this happens and am very disappointed that despite what I was told in school and by parents, this card seems to offer no protection from fraud. I am disappointed, sad, and angry. I feel deceived.","date_sent_to_company":"2020-01-16T19:30:17.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"94110","tags":null,"has_narrative":true,"complaint_id":"3499149","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2020-01-16T19:11:02.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I will wait for the appeal before hiring a lawyer since they're expensive and a <em>pain</em> -- I really just want the whole thing to go away which was supposed to be the <em>point</em> of \" XXXX  fraud liability '' as the bank advertises on the <em>card</em>. I always use my <em>credit</em> <em>card</em> instead of my debit <em>card</em> in case something like this happens and am very disappointed that despite what I was told in school and by parents, this <em>card</em> seems to offer no protection from fraud. I am disappointed, sad, and angry."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Card</em> was charged for something you did not purchase with the <em>card</em>"]},"sort":[13.843945,"3499149"]},{"_index":"complaint-public-v1","_id":"2720871","_score":13.462182,"_source":{"product":"Debt collection","complaint_what_happened":"As noted when speaking with one of cfpb 's representatives, I am submitting more information re my recent complaint against Tenet Healthcare and XXXX XXXX XXXX. \nTo reiterate briefly, on XXXX XXXX, XXXX, I visited the Emergency Dept at XXXX XXXX, XXXX XXXX, XXXX. After about 5 hours of waiting with internal bleeding, a Tenet employee called me to window 3 in the ED waiting room, looked at my XXXX card, and informed me my visit that day was free of charge. I received a bed shortly after that. Then, in a classic Bait and Switch, I receive bills from Tenet and their subordinates for {$7200.00}! \nThis is part of XXXX 's response : \" We have contacted our client and verified that the consumer was provided and signed a financial responsibility agreement prior to receiving services. The consumer was provided with a copy of this document at the time of service to keep for their records. '' I dispute this response as even if I did sign something ( I have no copy of this ), being at a level 10 threshold of pain, had n't eaten solid food for almost 2 days, was severely dehydrated, and due to these conditions any such \" signing of financial responsibility '' was not made with informed consent - I was in too much pain to comprehend anything such as signing a responsibility agreement. ANY SIGNING WAS DONE UNDER DURESS, WITHOUT INFORMED CONSENT! \nLet 's look at who we are dealing with - Tenet - who paid XXXX XXXX a few years ago when prosecuted for XXXX fraud, and just lately agreed to pay over XXXX XXXX for XXXX fraud! XXXX executives are now charged in this recent case as well. \nMy point is twofold - TENET IS A CORRUPT CORPORATION AND ROUTINELY LIES TO PAD ITS PROFITS! TENET WAS/IS LYING WHEN THEY STATED THAT THEY COULD FIND NO EVIDENCE OF THEIR EMPLOYEE INFORMING ME MY XXXX VISIT WAS FREE OF CHARGE. AS WELL, THEY BILLED ME FOR OVER XXXX PERCENT MORE THAN XXXX WOULD PAY FOR SUCH SERVICES! THEIR BILL IS AGAIN ATTACHED TO THIS COMPLAINT. For instance, I was charged {$3000.00} for a CT ABD PELV with CONTRAST - XXXX PAYS ABOUT {$250.00} FOR THE SAME SERVICE! THAT 'S A 1200 % OVER BILL! The blood work was not bundled, and came to {$860.00}! \nIT SEEMS TENET IS RADICALLY OVER BILLING - TRYING TO MAKE UNDERINSURED/NON INSURED PEOPLE, ESPECIALLY THIS SENIOR, PAY THEIR FINES FOR BEING CORRUPT AND PRACTICING XXXX AND XXXX FRAUD. IT IS DIFFICULT AS A LOW INCOME SENIOR TO FIGHT THIS CORRUPT COMPANY. TENET IS NO DIFFERENT THAN A XXXX THUG WITH ITS JACKBOOT ON MY THROAT THREATENING MY CREDIT RATING AND DOING ITS BEST TO DESTROY ANY PEACE I MIGHT HAVE AFTER WORKING 49 YEARS!","date_sent_to_company":"2017-11-04T21:37:11.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"92284","tags":"Older American","has_narrative":true,"complaint_id":"2720871","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TENET HEALTHCARE CORPORATION","date_received":"2017-11-04T21:37:09.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["After <em>about</em> 5 hours of waiting with internal bleeding, a Tenet employee called me to window 3 in the ED waiting room, looked at my XXXX <em>card</em>, and informed me my visit that day was free of charge. I received a bed shortly after that. Then, in a classic Bait and Switch, I receive bills from Tenet and their subordinates for {$7200.00}!"]},"sort":[13.462182,"2720871"]},{"_index":"complaint-public-v1","_id":"3674879","_score":13.305801,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On or around XX/XX/XXXX, XXXX and XXXX XXXX went into the Bank Of the West branch on XXXX and XXXX to help our son XXXX open up a checking account before we went off to his first year of college. The Bank of the West employee suggested XXXX should have a credit card for college to HELP BUILD HIS CREDIT. My wife thought that could be a good thing. Bank Of the West determined XXXX was not qualified to have a credit card and they would need my wife to be on the card, which she was denied. At this point the banker asked XXXX XXXX for XXXX XXXX information. No interest rate or credit card limit was discussed. \nAt no point did the banker ever contact me ( XXXX XXXX ) in regards to this credit card for my approval. I am convinced the Bank Of The West employee was not motivated to help XXXX establish credit. If that was the case, the limit would have been set at {$500.00}. A reasonable amount for a XXXX  in college. Instead, the limit was set at {$8000.00} and I am assuming they were incented to do that. This credit card limit was increased to {$9200.00} without me ever being notified. I became aware of the credit card when a fellow employee called me at home and told me Bank Of the West called him asking about me and said I needed to call them back. Bank Of The West recommended I sign something indicating I had my identity stolen to stop further damage to my credit. Bank Of the West asked if XXXX opened the account and signed my name without my permission. This caused great tension in our home, XXXX strongly denied ever signing my name. I began requesting a copy of the loan application to see if the signature was mine. This was another incredibly long and painful process to get any help from Bank Of the West. After hours on the phone, I finally got so frustrated I walked into the branch by my home and asked for help. I finally got someone to give me the time to explain my situation and would get me a copy of the application with my signature. I was later informed that there was no application with my signature on file. \nIn college XXXX developed a problem with gambling, which he is trying to take responsibility for. He is in treatment for this problem. Bank Of The West played a role in this disaster, by giving him a credit of {$8000.00} and then increasing it to {$9200.00} without my knowledge. This XXXX  problem would have never gotten to the point it did, if the credit limit was set at a limit that was appropriate and if I would have been aware of the credit card. In his desperation to get the card current, he went online for help with a credit counseling company to try and get the interest rate dropped and lower the payment. This only made his situation worse. He paid them money and Bank Of The West denied the credit counseling request. I was asked more than once, did XXXX use the credit card and answered yes. Then was told he is responsible which I can understand. XXXX when into the back and was trying to pay an interest payment and they offered him another card for {$3000.00} which is hard to understand. \n\nIs this a Bank Of The West - company wide, single branch or individual employee practice to give out credit cards under individuals without proper consent? \nProposal- Its my view, The Bank Of The West made this loan without any regard for the original purpose of helping XXXX establish credit. It was more about a bank employee pushing credit without taking the proper steps of making me aware of a credit card with an {$8000.00} limit. This has caused our family great pain. My entire life, I have always had perfect credit. I am not someone who does not pay my debts. The lack of anyone other then XXXX willing to hear my out, has made this very frustrating. I am requesting a phone call with my lawyer to hopefully quickly put this behind us. \nCredit card need to be forgiven. Payments, interest and late fees minus the credit limit Bank Of The West would have given under normal practices. This needs to be settled by Friday, XX/XX/XXXX. \nMy next move is : Contact the Nebraska Department Of Banking Contact : CFPB Begin lawsuit seeking damages with several claims. \n\n\nBelow is the email from the Branch Manager who is trying to help me get some kind of resolution. \n\nXXXX, XXXX XXXX Wed, XX/XX/XXXX, XXXX XXXX to me Hey XXXX, Her is my write-up about what happened. Can you please take a look at this before I submit it over to the investigator. \n\n\n\n\n\nXXXX called me back in XXXX saying he had an issue with a credit card that he did not know he had. He told me his son maxed out a credit card and they have been paying on it but he had no idea he had the card until our bank called his work phone. One of his fellow co-workers told him bank of the west was trying to reach him. When he called our back office number they told him about his credit card. He told them he didnt have one and reached out to me in XXXX. \nI then got in touch with XXXX XXXX and with her help I told XXXX of the next steps and gave him some paperwork to sign. The communication ended there until I he contacted me earlier this month. He told me he had some stuff come up and that he got in touch with his attorney about the situation and now would like to start to figure out what can be done about the card again. Until this point he has been making XXXX make cash payments on the card in order for it to be paid. \nWhen looking at everything that XXXX XXXX has provided and what I see in the system. It appears his son XXXX originally came into the XXXX and XXXX branch. From the notes it seems the banker XXXX XXXX talked to him and his mom about a credit card. From what we see they put an app in and it was declined. There then was another app with XXXX and XXXX as an authorized user. This was approved and XXXX and XXXX were sent out cards. XXXX got a card and started to use it. XXXX says he never got a card and was never informed about getting one. He had no clue the application was even submitted. \nAt this point XXXX is saying that the bank is at fault for submitting an application without him knowing and then issuing his XXXX year old son a credit card with a XXXX limit. He is not saying his son did not use the card, but he is saying he had no notice an application was being submitted. According to XXXX he would of never let his son have a credit card. \nRight now is has been advised not to make any more payments on the card and he would like to get his attorney involved with the bank in this situation. \n\n\n\n\nThanks, XXXX XXXX Branch Manager, AVP NMLS # XXXX XXXX Bank of the West XXXX XXXX XXXX. \n\nXXXX, XXXX XXXX T XXXX F XXXX XXXX cid : XXXX XXXX","date_sent_to_company":"2020-05-29T12:44:13.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"681XX","tags":null,"has_narrative":true,"complaint_id":"3674879","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF THE WEST","date_received":"2020-05-29T12:01:29.000Z","state":"NE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The Bank of the West employee suggested XXXX should have a <em>credit</em> <em>card</em> for college to HELP BUILD HIS <em>CREDIT</em>. My wife thought that could be a good thing. Bank Of the West determined XXXX was not qualified to have a <em>credit</em> <em>card</em> and they would need my wife to be on the <em>card</em>, which she was denied. At this <em>point</em> the banker asked XXXX XXXX for XXXX XXXX information. No interest rate or <em>credit</em> <em>card</em> limit was discussed."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[13.305801,"3674879"]},{"_index":"complaint-public-v1","_id":"5046269","_score":12.598843,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/2021 I purchased Internet service for my XXXX XXXX from XXXX for {$44.00} I call them up on the phone and they had me pay through a link with my capital one credit card I paid for the service and they told me the service was effective they told me I would be getting between 12 and MB 25 per second and they advised me if I had any technical issues they give your phone and the phone call ended I connected the XXXX XXXX  got the password for my computer and the service was about XXXX MB per second I could not navigate you could not go from one website to the other it was not functioning it was too slow I did some quick research online and found hundreds of complaints about XXXX XXXX I had given them my home address and ZIP Code they advised me that there was service my area with the speeds that they described to me as I said I went onto the Internet I found hundreds of cases with people were given misinformation lied to On that same day XXXX XXXX I contacted the technical people they said they literally set all the connections and that I would get a better speed of Internet service it would take between 12 and 24 hours I waited 24 hours at that point had no service whatsoever non-it was not functioning I call them back they told me to go and get a new Sim card went to the XXXX store in XXXX Pennsylvania and they gave me a new Sim card at no charge I went home and connected it there was still no connection I called back this technical people they told me they had a reset the connections 24 hours later there was no service whatsoever I called in and request a refund and to cancel the service they told me to contact my credit card company and request the chargeback and they would not contest I did that on XXXX XXXX so far they had sent me no receipt whatsoever they sent me numerous emails to my email would no receipt no invoice I contacted my credit card company and told him exactly what transpired they put in the dispute XXXX answer them back and they put the chargeback on my account I called my credit card company and they refused to do anything about the charge they requested that I spent {$1500.00} to have a private company come to my home and verify that XXXX 's Internet service was not working the charges {$44.00} they requested an invoice or receipt for the service which I never got I was never sent an invoice or receipt they advised me that they did receive an invoice or receipt from XXXX when I contested the service and they refused to share with me and wanted me to get a receipt from XXXX I call XXXX numerous times last time I called was XX/XX/2021 asking for receipt they advised me that being that I cancel the service they could give me access to an account or an invoice however they are still maintaining the services open the account is still operational when I call back and I give them my phone number they tell me I owe pain so this is an open case of extremely strange behavior I've done everything I possibly can and been manipulated and basically misled","date_sent_to_company":"2021-12-28T07:33:54.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"183XX","tags":null,"has_narrative":true,"complaint_id":"5046269","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2021-12-28T02:14:20.000Z","state":"PA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["connections 24 hours later there was no service whatsoever I called in and request a refund and to cancel the service they told me to contact my <em>credit</em> <em>card</em> company and request the chargeback and they would not contest I did that on XXXX XXXX so far they had sent me no receipt whatsoever they sent me numerous emails to my email would no receipt no invoice I contacted my <em>credit</em> <em>card</em> company and told him exactly what transpired they put in the dispute XXXX answer them back and they put the chargeback"],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a dispute <em>about</em> a purchase on your statement"]},"sort":[12.598843,"5046269"]},{"_index":"complaint-public-v1","_id":"7609131","_score":12.446554,"_source":{"product":"Debt collection","complaint_what_happened":"I am a XXXX man. My dental and medical expenses are covered by XXXX XXXX \n\nIn or around XXXX, I went to XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My previous dentist did not take my insurance, XXXX XXXX and so I was looking for a new dentist. I found XXXX XXXX XXXX when I was driving around XXXX. At the time, due to the need for a XXXX XXXX XXXX XXXX I was in extreme pain and was seeking assistance as soon as possible. I went in as a walk-in appointment to XXXX XXXX XXXX that same day. \n\nWhen I went into XXXX XXXX XXXX for assistance, I informed them that I have XXXX insurance coverage. While I was in the procedure room and in the examination chair, the dentist informed me that XXXX XXXX XXXX did not take my insurance. The dentist then stated that since they did not take my insurance, they wanted to see if I qualified for credit. The dentist did not specify XXXX XXXX, nor did she provide me with an estimate of how much the procedure would cost. The dentist then left the room, leaving me in the procedure chair. When she returned, she stated that I qualified for a {$3000.00} credit line with XXXX XXXX. After I was informed that I was approved for the line of credit, the dentist immediately started working on my teeth without further explanation. I was not informed of the cost of the procedure, nor did I knowingly sign any contract for the credit card. The dentist conducted the XXXX XXXX XXXX XXXX XXXX XXXX \n\nAbout XXXX days after the initial procedure, the filling fell out. I called XXXX XXXX XXXX to inform them that the filling fell out and I needed immediate care. The same dentist told me to come in for another appointment and XXXX XXXX XXXX XXXX XXXX. The dentist did not explain if there was going to be a secondary charge for the second appointment. \n\nWhen I got home after the second appointment, I noticed a giant gap in the filling. I called XXXX XXXX XXXX  and requested that they remedy the situation, and XXXX XXXX XXXX informed me to come back in for a third appointment. That same day, I went back to the XXXX XXXX XXXX, and they did an Xray of my teeth. At that point, the dentist stated that they would have to remove my molar next to the filling. I stated that I did not want to get rid of a perfectly fine tooth. The dentist stated that removing the tooth would fix the gap issue in my filling. I expressed concern and stated that her suggestion did not make sense as to how removing a molar would fix the gap in my current tooth because it would make the area bigger. The dentist from XXXX XXXX XXXX stated that if I was not willing to remove the molar, there was nothing else she could do, and they refused to assist me further. \n\nAfter the third appointment, I received the XXXX XXXX  card in the mail. A few days after the card came in the mail, I received the first bill to the XXXX XXXX  card. This was the first time I learned about the cost of the procedure and the balance of the debt. Upon seeing the balance, I immediately contacted XXXX XXXX by phone to dispute charge of the credit card. I informed XXXX XXXX associates by phone that the procedure was not done properly and there was still a gap in your tooth. XXXX XXXX informed me that they would investigate. I reached out multiple times via phone to follow up on the investigation, however, I did not receive evidence of an investigation nor results from said investigations. \n\nXXXX XXXX XXXX  charged me for dental work that was improperly done and entirely unbeneficial to me. After my experience with XXXX XXXX XXXX, I went to another dentist, XXXX XXXX XXXX, for a consultation. XXXX XXXX confirmed that the tooth was still unrepaired, and that my filling was not done properly. XXXX XXXX also informed me that the removal of my molar was not necessary to remedy the gap in the filling. As of XX/XX/XXXX, the tooth remains unrepaired, causing me pain daily. Food particles are consistently stuck in the gap of the tooth, causing me constant discomfort. \n\nIn my most recent account statement, it appears that XXXX XXXX cancelled the dental charges. However, XXXX XXXX continues to charge me late fees and interest on the cancelled balance.","date_sent_to_company":"2023-10-03T14:31:50.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"7609131","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2023-09-26T19:45:46.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["After the third appointment, I received the XXXX XXXX  <em>card</em> in the mail. A few days after the <em>card</em> came in the mail, I received the first bill to the XXXX XXXX  <em>card</em>. This was the first time I learned <em>about</em> the cost of the procedure and the balance of the debt. Upon seeing the balance, I immediately contacted XXXX XXXX by phone to dispute charge of the <em>credit</em> <em>card</em>. I informed XXXX XXXX associates by phone that the procedure was not done properly and there was still a gap in your tooth."]},"sort":[12.446554,"7609131"]},{"_index":"complaint-public-v1","_id":"6033518","_score":12.263644,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"This is the timeline of the botched transaction from my XXXX XXXX to Barclays. during this time, my credit score dropped from the high XXXX to the low XXXX. \n\nXXXX - Begin hearing about XXXX transitioning from XXXX to Barclays. \nXX/XX/XXXX - Last automatic payment of full balance to XXXX XXXX \nWas Notified they were switching over to Barclays. \n\nXXXX - Notified that a new Barclays credit card was getting mailed out. This card was never received Called Barclays and requested a new card be sent out. \nBarclays refuses to use my last name of XXXX and insists on using my maiden name of XXXX unless I send a copy of my marriage certificate. Gap had been using my last name of XXXX since I got married in XXXX. I told Barclays to close my account. \n\nXXXX - I never received any new Barclays card. They insisted they had mailed two out. \nBegin to see negative impacts on my credit score, but never received any statements from Barclays and was never given any information on how to pay online.\n\nI again asked them to close my account and requested they mail out a paper statement. \nCalled Barclays again and asked them to mail out my final statement. \nStill no final bill sent. Call Barclays again ( for the third time ) to ask for the final bill. I told the XXXX I would be mailing a check in to pay the amount in full, minus late fees and interest charges. \n\nXXXX - I finally received the final bill. \nXX/XX/XXXX - Mail check # XXXX for the full amount, minus interest and late fees. \nXX/XX/XXXX - Check for {$2300.00} is cashed by Barclays. \n\nXXXX - Call Barclays and talked to a customer service rep who let me know that they did receive the check and my account had a {$0.00} balance. I thought everything was revolved. \nXX/XX/XXXX - Credit monitoring shows Barclays has marked the account as more than 60 days delinquent. \nCall Barclays again, asking to confirm payment, and close the issue, and fix the credit reporting issue. They claim they cant find the payment, despite my bank showing the check was cashed by Barclays on XX/XX/XXXX. \nStill calling me by my maiden name of XXXX. \nXXXX is investigating this, but says it wont be resolved for 30-45 days. XXXX ID # XXXX At this point, it has been almost 4 months of trouble and this has ruined my credit score.\n\nAnother 30-45 days of this is unacceptable.\n\nMy account has been pain in full. I would just like this issue to be closed and my credit score restored.","date_sent_to_company":"2022-09-29T20:46:44.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"548XX","tags":null,"has_narrative":true,"complaint_id":"6033518","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2022-09-29T20:22:44.000Z","state":"WI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"You never received your bill or did not know a payment was due"},"highlight":{"complaint_what_happened":["XXXX ID # XXXX At this <em>point</em>, it has been almost 4 months of trouble and this has ruined my <em>credit</em> score.\n\nAnother 30-45 days of this is unacceptable.\n\nMy account has been <em>pain</em> in full. I would just like this issue to be closed and my <em>credit</em> score restored."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[12.263644,"6033518"]},{"_index":"complaint-public-v1","_id":"16142178","_score":12.202745,"_source":{"product":"Credit card","complaint_what_happened":"I purchased lunch at the airport Subway restaurant in XXXX  and XXXX on XX/XX/XXXX using my Barclays XXXX XXXX. My order included a turkey sandwich and bag of chips and the total was around {$20.00}. I did not keep the receipt. When I checked my credit card statement, I had been charged {$120.00}, so {$100.00} more than I authorized. \nI immediately contacted the credit card company ( Barclays XXXX XXXX ) and they said I needed to try to work with the vendor to get the situation resolved. I assumed ( based on experiences with other credit card companies ) that this charge was on hold and that I did not owe the balance due until the dispute was resolved. Apparently that was not the case so my bill became overdue and as soon as I realized this, I went ahead and paid the full amount due of {$120.00}, 2 days after the due date ( XX/XX/XXXX ) even though I didn't agree with that amount. \nApparently the company then assessed a late fee and interest charges to my account which I was unaware of, because I wasn't expecting any charges to be made to that account that month since I had paid the amount due ( once again, even though I didn't agree with it ). \nAfter 2 months of late fees, I realized I had been charged and was now past due on the account. I called the company and was referred to the Dispute department who assured me they would help me resolve all of these issues, all the way back to the initial incorrect charge. My case ID was XXXX. I was told they would also refund my late fees, and I would end up with a credit on the account for the {$100.00} I was overcharged by the initial vendor. \nFast forward another month, my XXXX statement not only did NOT have the late fees refunded, it actually charged me an ADDITIONAL late fee. At this point, my account is past due by 3 months of late fees because I was falsely promised that the late fees would be removed. I previously had a credit score in the XXXX and it has now dropped to XXXX assuming because of this mess. \nI just got off the phone with this company and after being transferred to XXXX different departments, they say they did nothing to resolve my initial dispute ( didn't reach out to the vendor for proof of transaction after I told them multiple times that I don't have a receipt ). After about an hour on the phone, I finally got someone's manager in the \" late fee '' department ( XXXX, Employee ID XXXX ) to say he'll refund the late fees in XXXX business days. We'll see if that actually happens. \nI'm extremely frustrated and want to report this credit card company for not protecting their consumer against a fraudulent transaction in the first place and then furthering the pain with all these late fees and LYING about advocating on my behalf against a fraudulent vendor as well as LYING about refunding me late fees as I was told in XXXX. As soon as the late fees are refunded, I'm closing my account and would advise others not to use this company.","date_sent_to_company":"2025-09-24T23:15:55.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"22101","tags":null,"has_narrative":true,"complaint_id":"16142178","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2025-09-24T22:29:46.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I'm extremely frustrated and want to report this <em>credit</em> <em>card</em> company for not protecting their consumer against a fraudulent transaction in the first place and then furthering the <em>pain</em> with all these late fees and LYING <em>about</em> advocating on my behalf against a fraudulent vendor as well as LYING <em>about</em> refunding me late fees as I was told in XXXX. As soon as the late fees are refunded, I'm closing my account and would advise others not to use this company."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a dispute <em>about</em> a purchase on your statement"]},"sort":[12.202745,"16142178"]},{"_index":"complaint-public-v1","_id":"18211576","_score":12.130423,"_source":{"product":"Credit card","complaint_what_happened":"I have two credit cards with Capital One with credit card account number XXXX. I open up this account in XXXX. It is {$1000.00} secure credit card I have made over {$8000.00} in payments. Ive never missed a payment I never was late on a payment however, I was having problems with my external bank XXXX  XXXX XXXX with transferring my funds to an account that they informed me it would take one to two business days so I will schedule a credit card payment with Capital One the third or fourth business day when Capital One took or tried to take the money out the funds were not available. This happened a couple times. Therefore I came up with an idea to open up a Capital One check in and save his account which took 10 business days in order to get approved due to some fraud activities that was on my profile years ago that I didnt know about however they approved me for savers account since then my payments have been on time. No payments has been kicked back. I got another secure credit card for {$500.00} account XXXX. I am making payments with Capital One check-in and save this account as well is to the point that the check-in and savers account are not allowing me to add money onto the account before I got approved for the checking account. Capital One denied me several times therefore I was only able to use my XXXX XXXX external account and other external accounts to make my payments when I inform Capital One that Im only need a checking account because the savers account that they gave me is not allowing me to make instant transfers from other accounts that I have and I informed them that I will only be using Capital One savings and checking account just to make my credit card payments in the meantime, payments are getting kicked back and account number ending in XXXX when I got approved for capital one checking account. The problem has stopped. I am making my payment good and on time and set. I am overpaying my accounts and I never missed a payment. I have a total of {$900.00} ended in account number XXXX just yesterday I withdraw {$100.00} out the ATM for some reason {$100.00} payment in account ended in XXXX got sent back. I had the money into my Capital One savers account. Therefore I dont have no idea why it got sent back so this morning Sunday they closed both of my accounts including account ending in XXXX. That has the {$900.00} available credit limit still in there. This is gon na cost me foreseeable pain and suffering for the simple fact, I have a contract with Aviss rental car that allows me to go back-and-forth to work because my car is down they put {$860.00} that was pending back into my account and Capital One is same to me I have to wait 5 to 10 business days to get this money refunded back to me in a paper check which is gon na cost me not to only pay for my rental car at XXXX, but its gon na cost me to lose my job and everything because that credit card that I have was the credit card getting me my vehicle so I can get back-and-forth to work. I havent had a problem with credit card ended in XXXX ever since I got the check and savers account but due to the new account of a payment that got sent back ended in XXXX they took action enclose both of my accounts with money still in there. This disclosure of my account ended in XXXX is gon na cause my life to go all the way downhill I have explained this to capital one even the XXXX was curious that it shows that Ive been making payments not just on time but overpayments havent missed not XXXX payment and why did the other account infect the other one and its gon na cost me pain and suffering because I have to wait 10 business days for that {$900.00} to come back to me in the paper check form and that wasnt how the payment was given. The payment was given strictly off of my Capital One card so therefore Im gon na have {$900.00} thats just not gon na be available and its gon na cost me to be default. Cost me my job cost me with bad problems with XXXX rental car and everything. I explained this to Capital one that why would they treat me like this when they see? Im a valuable customer and a manager couldnt believe it so I had no choice but they contact","date_sent_to_company":"2025-12-22T04:14:33.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"08081","tags":null,"has_narrative":true,"complaint_id":"18211576","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-12-22T03:50:12.000Z","state":"NJ","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I have two <em>credit</em> cards with Capital One with <em>credit</em> <em>card</em> account number XXXX. I open up this account in XXXX. It is {$1000.00} secure <em>credit</em> <em>card</em> I have made over {$8000.00} in payments."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[12.130423,"18211576"]},{"_index":"complaint-public-v1","_id":"3380149","_score":11.979663,"_source":{"product":"Checking or savings account","complaint_what_happened":"I opened an account with Frost Bank towards the end of 2016 I had the account open for approximately 6 weeks and each week there were Numerous fraudulent charges I immediately ( within minutes of the charges being alerted through text, email I Immediately asked those charges to not be accepted out of XXXX & XXXX?!?! a bar in XXXX and I think a grocery store in XXXX.. I am in Texas! and have never been to either one of those countries.. I physically was told \" it's no big deal just come into a branch and we will give you another card '' and \" we will get to the bottom of it '' .. but we will give you a provisional credit..? I have screenshots of the emails back and forth ad proof! also the physical emails themselves as proof of these FRAUD Charges Immediately being disputed and a list of the dollar amounts 4 charges from the same bar in XXXX on the same date Within a few seconds I believe for over {$1200.00}!?!. Never Once was I questioned, asked about, any of the charges, told steps that were needed to be done ( like filing a police report ) NOTHING!?! .. I received a call one day from a branch manager ( I saved her voicemail as a matter of fact, it's time-stamped and dated ) stating \" we're closing your account! '' .. I said \" What?? you owe me {$50.00} still \" that's In my account '' .. \n.. at this point I was willing to allow it to be closed based on her lack of effort and allowing all of this fraudulent Mess to take place!! ) .. \" what are you talkin about you're supposed to be investigating these fraudulent charges!?! \" ... \nthey said \" No we're just closing your account, oh and you owe us 500 something dollars?. \" .. like what in the Heck are you talkin about!?! ... ... \n. \nnow this is on my credit and it has become a huge pain in my family 's side I will file whatever charges are needed or seek legal counsel if necessary for restitution, time lost, aggravation, stress, NOONE has helped me@FROST.. FROST.. I called them dozens of times asking for resolutions ... \nBUT ... then I started getting letters in the mail saying yes \" we investigated the fraudulent charges and YOU WERE RIGHT! .. we have finalized the credits instead of just a provisional .. '' ... \nbut still after they closed my account they stop talking to me about anything ... super unprofessional, extremely jacked up, just caused more drama and stress in my life PLEASE HELP!!! Thank You!!","date_sent_to_company":"2019-09-19T07:32:06.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"76028","tags":null,"has_narrative":true,"complaint_id":"3380149","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CULLEN/FROST BANKERS, INC.","date_received":"2019-09-19T02:50:58.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["you owe me {$50.00} still \" that's In my account '' .. \n.. at this <em>point</em> I was willing to allow it to be closed based on her lack of effort and allowing all of this fraudulent Mess to take place!! ) .. \" what are you talkin <em>about</em> you're supposed to be investigating these fraudulent charges!?! \" ... \nthey said \" No we're just closing your account, oh and you owe us 500 something dollars?. \" .. like what in the Heck are you talkin <em>about</em>!?! ... ... \n."],"sub_issue":["Problem using a debit or ATM <em>card</em>"]},"sort":[11.979663,"3380149"]},{"_index":"complaint-public-v1","_id":"3232990","_score":11.96758,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/2019, I transferred ~ $ XXXX from my bank account in XXXX to my citi bank account in XXXX XXXX XXXX XXXX, XXXX, Il, XXXX. This is the third time in two years I have been transferring money from my XXXX bank account to my Citi bank account as I am a current XXXX student and I need to pay for my tuition ( the bank obviously knew that ). This money transfer triggered a reaction where Citi decided to close my bank account. They never informed me about that! Nor did they inform the branch! I only found out about it after one of my rent payments bounced back. \nEver since that day, it has been over a month (!!! ) now, I HAVEN'T RECEIVED MY MONEY. Citi have decided to \" send me a check with my money ''. But, this is in fact not true. \nOn XX/XX/XXXX I tried reaching my branch, while I was still in XXXX. The branch couldn't help me and told me to talk to customer service. I did so, and they told me to talk to my branch. On XX/XX/XXXX I walked to my branch and talked to XXXX XXXX, a personal banker in the branch. She couldn't assist me and told me that she had nothing to do but that she would check it and give me a call. Citi HAVE NEVER EVER CALLED ME OR INITIATED REACHING OUT TO ME AT ANY POINT OF THIS 1-MONTH HIDEOUS PROCESS. XXXX never called me back and customer service couldn't help me. I then approached the branch XXXX, XXXX XXXX, who also told me that he can't help me and that my account was closed and he can't do anything about it. \nBoth XXXX and XXXX told me that they have nothing to do and that the check with my money was sent to me and it'll arrive in 14 business days. \nAt the same time, I had to ( and still have to ) pay my credit card debt due- XXXX couldn't understand why I can't pay the amount due ( because I don't have a bank account ) and, again, didn't offer to help me with handling with the credit card department. \nThe 14 business days have past, I never received my check- I called Citi customer service, they told me that it should have taken 5 business days ( the branch personnel lied ) and that they will send a new check. The 5 business days have past and I called customer service again- and they told me that actually the check was NEVER SENT and that I should talk to the fraud department as my file is still under investigation. I called the fraud department, they said that they can't help me. \nAt this point I really lost hope and I am not sure what to do anymore. All of my money in the world is held hostage at Citi and NO ONE can help me with that at Citi. It seems like they all lied throughout the process and promised me things that are wrong, moreover Citi have never ever called me/e-mailed me or anything. \nThis is a pain, this is frustrating and I wish that someone can help me with that.","date_sent_to_company":"2019-05-05T15:33:11.000Z","issue":"Fraud or scam","sub_product":"International money transfer","zip_code":"606XX","tags":null,"has_narrative":true,"complaint_id":"3232990","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2019-05-05T15:10:54.000Z","state":"IL","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":["At the same time, I had to ( and still have to ) pay my <em>credit</em> <em>card</em> debt due- XXXX couldn't understand why I can't pay the amount due ( because I don't have a bank account ) and, again, didn't offer to help me with handling with the <em>credit</em> <em>card</em> department. \nThe 14 business days have past, I never received my check- I called Citi customer service, they told me that it should have taken 5 business days ( the branch personnel lied ) and that they will send a new check."]},"sort":[11.96758,"3232990"]},{"_index":"complaint-public-v1","_id":"4144082","_score":11.670155,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"XX/XX/XXXX XXXX XXXX notified me that my XXXX credit was expiring and they could not bill the card ending XXXX after the monthly billing on XX/XX/XXXX XX/XX/XXXX I sent an inquiry through my secure mail on my one line account XX/XX/XXXX I called Comenity Capital Bank and told them that the card was expiring and that my insurance company had notified me that XX/XX/XXXX was the last billing cycle and that I needed to contact my bank to update my card and asked when my card would be coming out since my card was expiring. At that time, I was told they would mail out the new card ASP In addition to the call on this date, I also had sent an inquiry through the account secure site to Comenity XX/XX/XXXX response from Comenity bank by secure mail through the account site stating they had mailed a card out on the XX/XX/XXXX ( never arrived ) and arrived after XX/XX/XXXX I called back into the bank and reported that the card had not arrived, she told me the card had been mailed on XX/XX/XXXX and it might take a month to arrive to which I told her that I did not believe the mail was that slow, so she said we can send another card and would cancel the one that had been sent out, ( which the one mailed on XX/XX/XXXX still has not arrived as of XXXX. I was told that they would send out another card ASAP but the email from the bank in secure mail stated the card was sent out on the XXXX, she is now telling me it was sent on the XXXX So at this point, she is telling me that they would sent another card out ASAP I LATER FOUND THAT THIS WAS A LIE XX/XX/XXXX I sent in a secure email where I had been notified by XXXX and XXXX that a hard credit inquiry for new credit had been pulled by Cominety Bank ( I had not applied for new credit and had not authorized any credit inquiry. At this point and over the next day, I talked to several customer service representatives and their supervisors concerning this and the cards only to be told the cards had been shipped out and they had no idea why a credit inquiry had been pulled since I was not applying for new credit and my credit limit and account had been open since XXXX and never had a late payment or any problems with the account XX/XX/XXXX I received a letter from the bank stating they received my request for additional card ( my wife and son already have cards so no extra cards were asked for ) and or a replacement card ( also untrue as I was trying to obtain a card for an expired card ) but they could not verify the accuracy of the request so they could not complete the request XX/XX/XXXX I called into the back customer service and again went to a supervisor ( XXXX I think ) who told me that the cards were on the way, and I then asked to speak to her supervisor or manager, and she said you want my mangers manager and transferred me to XXXX and I asked him to give me his full name but he refused, but his statements to me were a little unreal He plainly stated that all the previous supervisors had been lying to me so that the truth would not be told to me under Federal law ( amazing he knew who I had talked to ) and stated they had ask for enhanced security as they did not know how to contact me, but they had a meeting earlier and approved sending me a card and that they had pulled the hard inquiries to find how to contact me but the letter from the bank said they could not get the information from the credit agencies all of this is amazing lie as they have been talking to me for a month at this point, emails that only could come from me through account secure mail and replies from the bank to that. \nHe told me they had sent the cards out that day and they would be in my mail box within two days as they had tracking ( so this tells me that the cards mailed in XX/XX/XXXX must never have been mailed since they would have known when they would have been delivered ) Then he told me that to help ease the pain, and the lies and hiding he would give me 2,000 reward points on my card which I did not accept as all I wanted was the truth and my card which as I told him I kept for my insurance billing and for my son to use at XXXX XXXX. I also ask him whey they would need to pull a hard inquiry since any card company who issued a card can do a soft inquiry and not use a hard inquiry for me to borrow money which is what they did per XXXX personnel XX/XX/XXXX Secure email stating that my information had been received from my credit file and they would work to resolve but could take 30 days for their RESEARCH? I have specifically discussed with XXXX  and all my information including a XXXX XXXX score, address, etc. and payment history was provided so I do not know if they know how to tell the truth, and in fact XXXX stated they are looking at this as fraudulent. \n\nXX/XX/XXXX A envelope came from the back with a card for my wife and my son but I still have not received a card for myself I asked XXXX why did they have so much problem finding me when all my information was in their own files, and to that note I am going to include my billing statement showing the monthly XXXX billing that started this odyssey to use the card Also missing from their side of the secure mail site is a email I sent them telling them about their service, lies and that I would be going to XXXX consumer affairs, and anyone else that I could. \nAt this point, I reviewed some of the review sites, and find that thousand of people have been treated in ways not that unlike my case and they appear to be a predatory bank site. \n\nAlso the inquires are to be removed from the credit agencies, or I shall having talked to XXXX and have it converted to a fraud claim.","date_sent_to_company":"2021-02-16T20:40:00.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"4144082","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2021-02-16T18:50:41.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem getting a working replacement card"},"highlight":{"complaint_what_happened":["I was told that they would send out another <em>card</em> ASAP but the email from the bank in secure mail stated the <em>card</em> was sent out on the XXXX, she is now telling me it was sent on the XXXX So at this <em>point</em>, she is telling me that they would sent another <em>card</em> out ASAP I LATER FOUND THAT THIS WAS A LIE XX/XX/XXXX I sent in a secure email where I had been notified by XXXX and XXXX that a hard <em>credit</em> inquiry for new <em>credit</em> had been pulled by Cominety Bank ( I had not applied for new <em>credit</em> and had not authorized"],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["Getting a <em>credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Problem getting a working replacement <em>card</em>"]},"sort":[11.670155,"4144082"]},{"_index":"complaint-public-v1","_id":"3243291","_score":11.245154,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Tried to unlock my credit report using the XXXX XXXX XXXX application on my smart phone but the application threw an error stating \" Please give us a call! '' ( Attached Error ). I then called the number listed and was on the phone a total of 2 hours and 31 minutes. I was transferred 15 times. Each time, the rep would ask have to verify my identity by asking a series of questions about my credit file to proceed. 10 minutes or so later, they would inform me that even though they validated me, they were not the right person to resolve my issue. I was told by some that the application isn't working for anyone and they would transfer me to a person who could help. Only to have to go through my problem over and over and no one able to help. Transferred offshore/onshore/offshore/onshore so many times. Finally I got a female who stated she was in the USA ( I specifically asked for a USA rep to help me ). She was nice but after asking me the same series of identifying questions I'd answered 14 times earlier, she tells me that my answers didn't match and that I'd need to provide my drivers license / social security card ( or other documents ) in order to have the freeze/lock removed. Again, comical at this point, but she agreed to send me an email and I'd could provide the documents instantly. A matter of minutes later, I got the email and replied with the documents requested. She then inform me that this would all be done electronically and I'll need to give it 15-30 minutes. I asked how could she be sure it will get resolved after all, no one else seemed to have the capacity or skillset to do so and kept telling me it was a system issue preventing them from removing the lock. She stated that's not true and she will take care of shortly. Equifax continues to be a pain in the side of so many consumers. I actually pay for a product to monitor and check my credit report daily. It hasn't worked in 2 weeks and I was told a few days ago it would be escalated and resolved \" shortly ''. No such thing. I wish consumers had another option.","date_sent_to_company":"2019-05-15T18:03:23.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"35242","tags":null,"has_narrative":true,"complaint_id":"3243291","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-05-15T17:46:34.000Z","state":"AL","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["Equifax continues to be a <em>pain</em> in the side of so many consumers. I actually pay for a product to monitor and check my <em>credit</em> report daily. It hasn't worked in 2 weeks and I was told a few days ago it would be escalated and resolved \" shortly ''. No such thing. I wish consumers had another option."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Unable to get your <em>credit</em> report or <em>credit</em> score"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Other problem getting your report or <em>credit</em> score"]},"sort":[11.245154,"3243291"]},{"_index":"complaint-public-v1","_id":"5322137","_score":10.9556875,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I began being on hold with my cell phone at 45 % it is currently at 6 % and typically they hang up on me or my battery will die prior to getting any service I have been on hold now for over XXXX Minutes and I have check payday loans that I have to her and I have a house note that I have to pay housing I have electricity yet I have to have medically I have water that I have to pay I have groceries that I have to pay and if I don't pay a payday loan they charge me extra if I don't pay my house note they charge me extra and the whole point of being on social security for all those basic that I just meant that you're on a fixed budget these people can not afford to mess up what do not look forward to take the longest break possible because it's inhumane treatment. Is malfeasance in office. It's a failure for duty to care. I have filled out this Consumer Protection Bureau report wow I have been on hold wish they have a general time frame on how long it even takes to complete this form. I have been on hold and abusively mystery by Direct Express. If I'm unable to use my card and I can not pay for food housing Transportation water electricity payday loans then it appears that I'm committing a crime and I am not. It is bad enough that they have already released all mentally ill people and all expiring from the prison that have signed me up for checks all over the United States and I have not signed up for a checking account but they write me up for checking accounts and credit union account and I have never signed up for such. So now by a legitimate business and without any other body out nobody else to help me nobody else to give me money nobody else to pay my bills no saying you could have a savings for such mishaps with the federal government from their bad contractual service and I believe that they the Gators against on this because they're causing harm and it can make me homeless it can make me XXXX it can make me suffer in pain from having not having access to my friends. Security of having to answer all three questions in my PIN number I text me an address every account that I can have because their stuff has all my information. Because of government is hiring such people as well it's a security risk. It's bad enough when you walk into a store they can read your card when you go to the double doors and there's no security either so I need help can't get any money I can't go to the welfare office because it meant to say you have money on your card. XXXX. Direct Express XXXX Direct Express is a service market for the US Department of Treasury to Comerica Bank however it is a independent business add the treasury explain to me with no competitors. I have {$20.00} or more missing off of my card sometimes sometimes up to {$100.00} for {$200.00} I'll add my complaint and when I make my complaint they mail it back later checking into it and stated that was as a result I got my refund just because they took the complaint and gave me a notice that they had received it. Today is XX/XX/2022 and I was on hold XX/XX/XXXX for XXXX hours and on XX/XX/2022 and then on hold for her they say minimum of XXXX minutes and I'm still on hold. The problem is that they when they confirm I called when the staff answers they ask for my card number they ask for my PIN number and I am not able to use my pain I feel like it is a breach of security for them to ask me my PIN number which defeats the whole purpose of security and violate my privacy. They also when they send me a new card like the card for this month I'm just unable to use it I have to call them to tell them my PIN number to register it and it's not because the car is not working they have always been like this. They transferred my card from the other initial card number telephone number and I am a healthy mentally and emotionally person I have a physical injury and other people that I know that have physical XXXX we were all on one card and they separated my card and they were not supposed to. Don't let it ruin the issue is they asked me for my PIN number on calling in to talk about whatever number to the issue is when I get a new card the tell me to call them to register a new number and I lost my card and don't let me use it if it's problem number XXXX and tell me to call them to give them my PIN number it is not a hacker is that you direct express staff. Number for as a result I have been having a problem with him and I'm not able to withdraw money to eat to have transportation heat water electricity and to pay my bills and I have no other source of income due to my health and I have a check payday rooms and stuff like that and how do you pay for and they don't answer the phone line it seems that your attitude is your unemployed and unemployable anyway so we'll make you wait from XXXX minutes to a few hours and then often time I had to call right back for the same issue for it has not been handled. I already called them on this issue she said she reset my card and that I should be able to punch in a PIN number and use my card and I'm not able to. For the fact that they have so many people using my voice change where they can change their voice different dialects your people rate in the XXXX that are scamming people for their cars and I have a problem with this that no one 's doing anything about it to just type the FDIC or the FCC dispose listen to radio Transmissions is not paying attention to those people that are using software to change your voice is in the XXXX. XXXX problems","date_sent_to_company":"2022-03-14T22:52:21.000Z","issue":"Trouble using the card","sub_product":"Government benefit card","zip_code":"48197","tags":null,"has_narrative":true,"complaint_id":"5322137","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Comerica","date_received":"2022-03-14T22:27:33.000Z","state":"MI","company_public_response":null,"sub_issue":"Problem using the card to withdraw money from an ATM"},"highlight":{"complaint_what_happened":["Don't let it ruin the issue is they asked me for my PIN number on calling in to talk <em>about</em> whatever number to the issue is when I get a new <em>card</em> the tell me to call them to register a new number and I lost my <em>card</em> and don't let me use it if it's problem number XXXX and tell me to call them to give them my PIN number it is not a hacker is that you direct express staff."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["Trouble using the <em>card</em>"],"sub_product":["Government benefit <em>card</em>"],"sub_issue":["Problem using the <em>card</em> to withdraw money from an ATM"]},"sort":[10.9556875,"5322137"]},{"_index":"complaint-public-v1","_id":"3359832","_score":10.59713,"_source":{"product":"Debt collection","complaint_what_happened":"On or about XX/XX/XXXX this year I received a letter from Portfolio Recovery Associates, LLC demanding payment on a debt that is not mine. \n\nOn XX/XX/XXXX I informed Portfolio Recovery Associates that the debt was not mine and requested that they provide me with all of the documentation that made them believe that it is mine. \n\nOn XX/XX/XXXX I received the response from Portfolio Recovery Associates rejecting my dispute and insisting upon full payment. It included a copy of a letter from the original owner of the debt XXXX XXXX to the real debtor and a summary page with the past due amount. Incidentally, all of the bank correspondence to the debtor was sent to an address in Florida. \n\nAt this point I thought it best to hire an attorney. \n\nOn XX/XX/XXXX my attorney sent a letter to Portfolio Recovery Associates requesting further information. He specifically asked for a complete executed copy of any agreement between XXXX and myself. On XX/XX/XXXX Portfolio Recovery Associates again responded but did not send the information he specifically requested. All he received were more summary credit card statements. \n\nThe reason that Portfolio Recovery Associates can not provide any proof that it is my debt - is because it simply does not exist. And yet, on XX/XX/XXXX and again on XX/XX/2019 Portfolio Recovery Associates informed the credit reporting company XXXX   that this account was in collection under my name. \n\nThe facts are : 1 ) all correspondence from XXXX to the real debtor were sent to XXXX XXXX, XXXX XXXX XXXX CT XXXX, FL XXXX. I have never lived in or even visited Florida. Tax and real estate records will prove this. XXXX own dispute report # XXXX dated XX/XX/2019 validates this. \n\n2 ) I have a history of paying the balance on my credit cards every month and have done so for at least 20 years. I do not let credit card debt accumulate nor do I make late payments. A simple review of our credit history would have verified this. XXXX own dispute report # XXXX dated XX/XX/2019 validates this also. \n\nI believe that Portfolio Recovery Associates is in violation of The Fair Credit Reporting Act ( FCRA ) Section 623 by reporting this disputed account to credit reporting agencies after being informed ( multiple times ) that the information is inaccurate. In addition to what I told Portfolio Recovery Associates multiple times, they also have access to my credit history and dealings. Together they would cause a reasonable person to have substantial doubts about the the accuracy of their information. \n\nPortfolio Recovery Associates can not provide me with any substantive documentation regarding this account such as the original consumer contract that my attorney asked for three months ago. Once again, on XX/XX/2019 I demanded to see all verifiable proof ( an original Consumer Contract with my signature on it ) that they have on file for this account. \n\nSince Portfolio Recovery Associates falsely and maliciously informed XXXX that this debt is mine my credit score and rating have dropped substantially, damaging my reputation and impacting my ability to get future credit. This has caused me great pain and mental anguish. Because of this I have filed a complaint with the Texas Attorney Generals Office ( complaint number is XXXX ) and now with the FTCs Consumer Financial Protection Bureau. \n\nI am also now looking to retain a legal firm specializing in consumer protection matters. I will incur further cost to correct Portfolio Recovery Associates ' errors.","date_sent_to_company":"2019-08-31T13:19:38.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"78633","tags":null,"has_narrative":true,"complaint_id":"3359832","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2019-08-31T13:00:07.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["At this <em>point</em> I thought it best to hire an attorney. \n\nOn XX/XX/XXXX my attorney sent a letter to Portfolio Recovery Associates requesting further information. He specifically asked for a complete executed copy of any agreement between XXXX and myself. On XX/XX/XXXX Portfolio Recovery Associates again responded but did not send the information he specifically requested. All he received were more summary <em>credit</em> <em>card</em> statements."],"sub_product":["<em>Credit</em> <em>card</em> debt"]},"sort":[10.59713,"3359832"]},{"_index":"complaint-public-v1","_id":"3637686","_score":10.55517,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Recently I started to work on getting my credit score situated in order to buy a home.I 'm filing this Complaint in regards to a matter with Transunion which has now caused me a financial hardship and possibly losing out on a purchase of a home. I started to use XXXX XXXX  as my go to site to check my score. Little by little i started to work on paying off any noted collection matters as well as attempting to remove any remarks regarding late payments due to my prior divorce. I filed a dispute regarding late payments back on XX/XX/XXXX due to my divorce. Dispute result determine unable to remove late remarks due to the information was correct. This was fine. I filed another dispute on or around XX/XX/XXXX regarding a collection matter XXXX XXXX  XXXX and i settled the collection and wanted the remark off in order for my credit score to increase. I disputed this with Transunion and XXXX  - this  matter was handled properly. \nOn XX/XX/XXXX i noticed on my XXXX XXXX decreased by 17 points due to an Increase on XXXX  XXXX XXXX  XXXX XXXX. I filed a dispute with both XXXX and Transunion on or about XX/XX/XXXX as I was sure I made a recent payment and my balance wasnt that high. XXXX  responded to my dispute and informed me at time when I make a payment and when matters post to my credit report the timing is a bit off however it would update upon the next reporting time. Transunion however, in order for them to rectify the dispute they went ahead and REMOVED XXXX XXXX XXXX  XXXX XXXX entirely of my credit report with Transunion which in turn dropped my score again by another 19 points on XX/XX/XXXX. I called the credit card company to verify if my account was closed reason Transunion removed it - I was informed that my card is active. I was so distraught. The amount of time it has taken me to gain a point Transunion was able to delete all the work that I had done over the past 8-10 months as that was my only credit card that I was using to reflect activity on my account and making payments on time. The company who should be helping consumers with their credit scores is now the same company who has caused me financial hardship and pain and suffering. Now with this being gone theres barely any activity only payments being made on a motorcycle and auto loan. The other credit card that is reflected is a joint card which the joint owner is only making payments on every month possibly the minimum payment only no activity to show purchases and payments in lump sums in order to assist with my score. \n\nTransUnion seems to have two different dispute sites - so on one of the sites which is referenced in the documents Ill attach shows I initiated a dispute on XX/XX/XXXX regarding the notation on XXXX XXXX   indicating removal of XXXX XXXX XXXX  XXXX XXXX. in which I requested my dispute on XX/XX/XXXX was to remove the remark regarding the increased balance as the balance indicated in XXXX XXXX was incorrect. The Response to my dispute was that it was XXXX XXXX XXXX XXXX. At that time I thought, I was mistaken that my score decreasing had nothing to do with my credit card but with this XXXX XXXX XXXX XXXX. I quickly called XXXX XXXX XXXX  XXXX  per the information Transunion provided me with as the result to the dispute I filed on XX/XX/XXXX, which indicated it was NOT XXXX XXXX XXXX XXXX it was XXXX  XXXX XXXX  XXXX ; in which I settled with the XXXX XXXX XXXX XXXX rep in the amount of {$1500.00} out of the {$2000.00} I had left to hold me over for 3 months since Im not working at this time due to the COVID -19 matter. However, due to the fact that I was concerned with my credit score I settled and paid {$1500.00} which then caused me a financial hardship at this time with no money because I was concerned with my credit score and I knew once things started to get better I was looking to purchase a home. Upon obtaining this settlement I filed another dispute with TransUnion on XX/XX/XXXX indicating to them that I paid and settled XXXX  XXXX XXXX  XXXX  and this matter should be removed of my XXXX XXXX remarks. I was then informed this information is updated but theres additional information. But nothing further was provided. \n\nUpon further review I was able to determine this entire mess is caused by the negligence of Transunion. They removed my credit card entirely in error and they never corrected their mistake. They then caused me to pay out of my pocket {$1500.00} to a company that had no relevance or impact on my credit report/credit score with XXXX XXXX. Ive wasted over 2 days 4 hrs on the phone being placed on hold with no outcome. Im beyond disappointed that my credit reporting agency will cause me such mess and cause me such a financial hardship, stress and possibly losing out on purchasing my first home as my score went down drastically and yet XXXX  is updated and has responded to me timely and property. Today on XX/XX/XXXX I was on hold for over 1 1/2hrs and I spoke with a rep for about 5 minutes who then transferred me to the special handling team and I was stuck on the phone for another 2 hrs  and eventually the line cut off. You are my only hope in resolving this file. You have truly caused me a hardship and I feel defeated to the point that what's the sense in fixing my score if you are able to destroy someone to this point. \n\nI am requesting your assistance with resolving this situation amicably along with the fact that Im out {$1500.00} due to TransUnion negligence and improper information. \n\nIm attaching a couple of documents as evidence : XXXX XXXX - score along with when the points dropped for Transunion. \nThe disputes I filed - both websites The {$1500.00} settlement payment I made over the phone as the account is joint my ex wife name is on the letter. I was issued the letter via email. Passcode to open is XXXX.","date_sent_to_company":"2020-05-05T18:21:54.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"195XX","tags":null,"has_narrative":true,"complaint_id":"3637686","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-05-05T16:46:02.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The amount of time it has taken me to gain a <em>point</em> Transunion was able to delete all the work that I had done over the past 8-10 months as that was my only <em>credit</em> <em>card</em> that I was using to reflect activity on my account and making payments on time. The company who should be helping consumers with their <em>credit</em> scores is now the same company who has caused me financial hardship and <em>pain</em> and suffering."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"]},"sort":[10.55517,"3637686"]},{"_index":"complaint-public-v1","_id":"2967828","_score":10.181359,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To whom it may concern, For context, earlier this year, American Express apparently purchased the XXXXXXXX XXXX branded credit card portfolio from XXXX. I have had a XXXX XXXX XXXX card since XXXX. The account had a spending limit of {$18000.00}. Ive always maintained a low to zero balance on that card, enrolled the card into auto-pay immediately upon receipt, and have never been delinquent in making a payment. \n\nI have had American Express cards, first as a co-applicant, and subsequently as primary card owner since XXXX. I average {$3000.00} to {$7000.00} spending across those accounts monthly. I enrolled the card into auto-pay immediately upon receipt, and have never been delinquent in making a payment. \n\nOn XX/XX/XXXX, I called American Express customer support to check my available authorized spending limit. I was considering using my American Express Premier Rewards Gold Card to pay my tax bill ( approximately {$100000.00} ). I spent approximately 45 minutes on hold as I was bounced from department to department, the entire time I was told that they were looking into the request. \n\nFinally, I arrived at what seemed to be a collections department. They told me that I had an outstanding balance that needed to be reconciled before they could answer my original question. This obviously came as a huge surprise to me. They explained that it was related to the XXXX account that they just acquired, that my auto-pay from XXXX didnt transfer with the account and that the auto-pay for all of my other accounts didnt cover this account. Not thinking anything of the matter, I explained that the account was not visible to me within the dashboard and instructed the representative to pay the entire amount outstanding - {$110.00}. \n\nI asked when the account would become visible to me and received no useful information on the matter. I was told that with the payment of the amount due, I would indeed be able to pay my tax bill using my Gold Premier Card. I ended the call with the assumption that soon the card would show up in my normal American Express dashboard, with my other accounts. It never did. \n\nOn XX/XX/XXXX, I checked my credit health status using XXXX XXXX. I saw that my credit score had recently plummeted. The reason given was that American Express was reporting a payment delinquency of 30+ days in the amount of {$1.00}. I immediately called American Express to understand what was going on. Again, I was placed on hold for over a half an hour as I was transferred from department to department in an attempt to find someone who could help me. Again, I ended up with a representative focused on collecting the outstanding amount - of {$1.00}. \n\nI was told that an error was made by the representative that I spoke to in XXXX and that once the outstanding balance was paid, I would be put in touch with someone who would be able to correct the issue with my credit report. I paid my outstanding {$1.00} and was placed on hold again while someone who would help me was searched for. Eventually, someone picked up - it was the last customer service rep that Id spoken to. I was told that my call was routed back to her and she was going to place me on hold. At this point, the entire call time was nearing one hour. I asked if they could simply call me back later in the day. The customer service representative confirmed my number and asked me for a good time that they could call me. We agreed on XXXX that XXXX. I never received a call. \n\nI called back the next morning - now quite frustrated. I explained the issue again. I was again put on hold for a significant amount of time while they searched, once again, for someone to help me. Finally, I told the representative to simply cancel the card and fix the credit report. I was told that I would again have to be transferred to another department and to hold, please. I told her that was unacceptable and asked to speak to a supervisor. She told me that she would connect me to a supervisor, but instead transferred me to the other department. \n\nWhen the receiving department picked up the phone after many more minutes on hold, they finally canceled the card for me. The representative then told me that he apologized for the mistake, but there was nothing that they could do. He offered to give me the credit bureau phone numbers to initiate a dispute. We spoke for several more minutes after I told him this was unacceptable and that I expected the report to be corrected without further action on my behalf. He said that he could put me on hold and look into it. At that point, I simply hung up. \n\nIve now had to open disputes with the three bureaus as well as defer the purchase of a much needed new vehicle for my wife as my credit score has gone from excellent to good status and any new credit  accounts opened until this is corrected will cost my family thousands of dollars in additional interest fees. Additionally, the closure of an account with almost a {$20000.00} credit limit will factor into my overall score, causing future pain. \n\nAmerican Express does not seem to care about proactively righting their wrong no matter the damage that it has caused me. I have invested many hours of my own time now - on the phone, filing disputes, writing this letter - in an attempt to clean up their mess. The inconvenience and stress caused to my family by their mishandling of this situation is unacceptable.","date_sent_to_company":"2018-07-19T15:49:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85286","tags":null,"has_narrative":true,"complaint_id":"2967828","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2018-07-19T15:49:07.000Z","state":"AZ","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Ive now had to open disputes with the three bureaus as well as defer the purchase of a much needed new vehicle for my wife as my <em>credit</em> score has gone from excellent to good status and any new <em>credit</em>  accounts opened until this is corrected will cost my family thousands of dollars in additional interest fees. Additionally, the closure of an account with almost a {$20000.00} <em>credit</em> limit will factor into my overall score, causing future <em>pain</em>."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[10.181359,"2967828"]},{"_index":"complaint-public-v1","_id":"2967816","_score":10.181359,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To whom it may concern, For context, earlier this year, American Express apparently purchased the XXXX XXXX branded credit card portfolio from XXXX. I have had a XXXX XXXX XXXX card since XXXX. The account had a spending limit of {$18000.00}. Ive always maintained a low to XXXX  balance on that card, enrolled the card into auto-pay immediately upon receipt, and have never been delinquent in making a payment. \n\nI have had American Express cards, first as a co-applicant, and subsequently as primary card owner since XXXX. I average {$3000.00} to {$7000.00} spending across those accounts monthly. I enrolled the card into auto-pay immediately upon receipt, and have never been delinquent in making a payment. \n\nOn XX/XX/XXXX, I called American Express customer support to check my available authorized spending limit. I was considering using my American Express Premier Rewards Gold Card to pay my tax bill ( approximately {$100000.00} ). I spent approximately 45 minutes on hold as I was bounced from department to department, the entire time I was told that they were looking into the request. \n\nFinally, I arrived at what seemed to be a collections department. They told me that I had an outstanding balance that needed to be reconciled before they could answer my original question. This obviously came as a huge surprise to me. They explained that it was related to the XXXX account that they just acquired, that my auto-pay from XXXX didnt transfer with the account and that the auto-pay for all of my other accounts didnt cover this account. Not thinking anything of the matter, I explained that the account was not visible to me within the dashboard and instructed the representative to pay the entire amount outstanding - {$110.00}. \n\nI asked when the account would become visible to me and received no useful information on the matter. I was told that with the payment of the amount due, I would indeed be able to pay my tax bill using my Gold Premier Card. I ended the call with the assumption that soon the card would show up in my normal American Express dashboard, with my other accounts. It never did. \n\nOn XX/XX/XXXX, I checked my credit health status using XXXX XXXX. I saw that my credit score had recently plummeted. The reason given was that American Express was reporting a payment delinquency of 30+ days in the amount of {$1.00}. I immediately called American Express to understand what was going on. Again, I was placed on hold for over a half an hour as I was transferred from department to department in an attempt to find someone who could help me. Again, I ended up with a representative focused on collecting the outstanding amount - of {$1.00}. \n\nI was told that an error was made by the representative that I spoke to in XXXX and that once the outstanding balance was paid, I would be put in touch with someone who would be able to correct the issue with my credit report. I paid my outstanding {$1.00} and was placed on hold again while someone who would help me was searched for. Eventually, someone picked up - it was the last customer service rep that Id spoken to. I was told that my call was routed back to her and she was going to place me on hold. At this point, the entire call time was nearing one hour. I asked if they could simply call me back later in the day. The customer service representative confirmed my number and asked me for a good time that they could call me. We agreed on XXXX that XXXX. I never received a call. \n\nI called back the next morning - now quite frustrated. I explained the issue again. I was again put on hold for a significant amount of time while they searched, once again, for someone to help me. Finally, I told the representative to simply cancel the card and fix the credit report. I was told that I would again have to be transferred to another department and to hold, please. I told her that was unacceptable and asked to speak to a supervisor. She told me that she would connect me to a supervisor, but instead transferred me to the other department. \n\nWhen the receiving department picked up the phone after many more minutes on hold, they finally canceled the card for me. The representative then told me that he apologized for the mistake, but there was nothing that they could do. He offered to give me the credit bureau phone numbers to initiate a dispute. We spoke for several more minutes after I told him this was unacceptable and that I expected the report to be corrected without further action on my behalf. He said that he could put me on hold and look into it. At that point, I simply hung up. \n\nIve now had to open disputes with the three bureaus as well as defer the purchase of a much needed new vehicle for my wife as my credit score has gone from excellent to good status and any new credit  accounts opened until this is corrected will cost my family thousands of dollars in additional interest fees. Additionally, the closure of an account with almost a {$20000.00} credit limit will factor into my overall score, causing future pain. \n\nAmerican Express does not seem to care about proactively righting their wrong no matter the damage that it has caused me. I have invested many hours of my own time now - on the phone, filing disputes, writing this letter - in an attempt to clean up their mess. The inconvenience and stress caused to my family by their mishandling of this situation is unacceptable.","date_sent_to_company":"2018-07-19T15:48:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85286","tags":null,"has_narrative":true,"complaint_id":"2967816","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2018-07-19T15:40:10.000Z","state":"AZ","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Ive now had to open disputes with the three bureaus as well as defer the purchase of a much needed new vehicle for my wife as my <em>credit</em> score has gone from excellent to good status and any new <em>credit</em>  accounts opened until this is corrected will cost my family thousands of dollars in additional interest fees. Additionally, the closure of an account with almost a {$20000.00} <em>credit</em> limit will factor into my overall score, causing future <em>pain</em>."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[10.181359,"2967816"]},{"_index":"complaint-public-v1","_id":"3360870","_score":10.136536,"_source":{"product":"Debt collection","complaint_what_happened":"On or about XX/XX/XXXX this year I received a letter from XXXX XXXX XXXX, XXXX demanding payment on a debt that is not mine. \n\nOn XX/XX/XXXX I informed XXXX XXXX XXXX that the debt was not mine and requested that they provide me with all of the documentation that made them believe that it is mine. \n\nOn XX/XX/XXXX I received the response from XXXX XXXX XXXX rejecting my dispute and insisting upon full payment. It included a copy of a letter from the original owner of the debt CapitalOne Bank to the real debtor and a summary page with the past due amount. Incidentally, all of the bank correspondence to the debtor was sent to an address in Florida. \n\nAt this point I thought it best to hire an attorney. \n\nOn XX/XX/XXXX my attorney sent a letter to XXXX XXXX XXXX requesting further information. He specifically asked for a complete executed copy of any agreement between CapitalOne and myself. On XX/XX/XXXX XXXX XXXX XXXX again responded but did not send the information he specifically requested. All he received were more summary credit card statements. \n\nThe reason that XXXX XXXX XXXX can not provide any proof that it is my debt - is because it simply does not exist. And yet, on XX/XX/XXXX and again on XX/XX/2019 XXXX XXXX XXXX informed the credit reporting company XXXX that this account was in collection under my name. \n\nThe facts are : 1 ) all correspondence from CapitalOne to the real debtor were sent to XXXX XXXX, XXXX XXXX XXXX CT XXXX, FL XXXX. I have never lived in or even visited Florida. Tax and real estate records will prove this. XXXX own dispute report # XXXX dated XX/XX/2019 validates this. \n\n2 ) I have a history of paying the balance on my credit cards every month and have done so for at least 20 years. I do not let credit card debt accumulate nor do I make late payments. A simple review of our credit history would have verified this. XXXX own dispute report # XXXX dated XX/XX/2019 validates this also. \n\nI believe that XXXX XXXX XXXX is in violation of The Fair Credit Reporting Act ( FCRA ) Section 623 by reporting this disputed account to credit reporting agencies after being informed ( multiple times ) that the information is inaccurate. In addition to what I told XXXX XXXX XXXX multiple times, they also have access to my credit history and dealings. Together they would cause a reasonable person to have substantial doubts about the the accuracy of their information. \n\nXXXX XXXX XXXX can not provide me with any substantive documentation regarding this account such as the original consumer contract that my attorney asked for three months ago. Once again, on XX/XX/2019 I demanded to see all verifiable proof ( an original Consumer Contract with my signature on it ) that they have on file for this account. \n\nSince XXXX XXXX XXXX falsely and maliciously informed XXXX  that this debt is mine my credit score and rating have dropped substantially, damaging my reputation and impacting my ability to get future credit. This has caused me great pain and mental anguish. Because of this I have filed a complaint with the Texas Attorney Generals Office ( complaint number is XXXX ) and now with the FTCs Consumer Financial Protection Bureau. \n\nI am also now looking to retain a legal firm specializing in consumer protection matters. I will incur further cost to correct XXXX XXXX XXXX ' errors.","date_sent_to_company":"2019-08-31T13:19:55.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"78633","tags":null,"has_narrative":true,"complaint_id":"3360870","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2019-08-31T13:19:53.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["At this <em>point</em> I thought it best to hire an attorney. \n\nOn XX/XX/XXXX my attorney sent a letter to XXXX XXXX XXXX requesting further information. He specifically asked for a complete executed copy of any agreement between CapitalOne and myself. On XX/XX/XXXX XXXX XXXX XXXX again responded but did not send the information he specifically requested. All he received were more summary <em>credit</em> <em>card</em> statements."],"sub_product":["<em>Credit</em> <em>card</em> debt"]},"sort":[10.136536,"3360870"]},{"_index":"complaint-public-v1","_id":"2666100","_score":10.132916,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I ( XXXX XXXX ) received a call from American express on XX/XX/XXXX on a overdue balance {$1300.00}. I verified that my 2 credit cards are paid and I have a zero balance on those. When I called back the customer service, they told me that there is a 3rd card linked to my account and asked me to contact theft prevention team. When I called Amex theft prevention/protection team, they said no attempt of ID theft visible on my account. Also, they clearly told me that they do n't see any 3rd card to my name. I had a frustrating day to make them ( different department of Amex ) to come to a common point. After multiple calls to different departments, they agreed that there is a 3rd card linked to my account. That too when I asked what is the name on that dispute card. They said it was XXXX XXXX. I remember that used to get some junk mails in my mailbox with that name and I assume she was staying in the address several years back ( I know previous person stayed here before me for few years ). Amex said there is a mistake on their side and its a rarest problem and never happened before. They said it will take a week or so to resolve and asked to call back to verify as they cant inform me about it. And moreover, when I asked for a tracking number, they said there is no tracking number for this. Every time I call them, I had to explain the whole story few days. that 's another pain I had. I found one professional helpful staff named XXXX from fraud prevention team found a kind of a solution to keep a note on my account with his name and asked me to use his name to tell to the customer care or debt collector to refer to read it. That saved few frustrated minutes of mine in later days. After few days, shockingly my cards are suspended for charging. When I called, its again the same case, sounds like no interaction between teams. And next humiliation started. Everyday, I get calls from Amex asking me to settle the amount which I do n't owe. I had to explain everytime to them what happened and they say they will take care on their side. But, its never ending story till today. couple of times, the caller went ahead and asking my permission ( by mentioning the ending number of the account ) to take money from my checking account I used to pay this card ( I did n't have any auto payment though ). I was in XXXX XXXX and fear of loosing my hard earned money. When I called today ( XX/XX/XXXX ), customer care person said, the disputed account was delinked on XXXX XXXX. and she do n't have answer when I asked why they are calling to collect the money what I do n't owe. Also, when I asked why my cards are still suspended, she said she cant do anything but I need to call some other department. I asked for a compensation for all the humiliation and metal trauma till date, she put on hold for few minutes and offered me {$25.00} courtesy. I told her that I am not going to agree to that and will complain to CFPB. While I am typing this, suspensions on my cards are removed ( again no intimation to me ). Please help to get me a financial compensation equal to all humiliation and metal trauma I went through. Thanks.","date_sent_to_company":"2017-09-08T20:29:43.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"722XX","tags":null,"has_narrative":true,"complaint_id":"2666100","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2017-09-08T19:36:47.000Z","state":"AR","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["They said it will take a week or so to resolve and asked to call back to verify as they cant inform me <em>about</em> it. And moreover, when I asked for a tracking number, they said there is no tracking number for this. Every time I call them, I had to explain the whole story few days. that 's another <em>pain</em> I had."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[10.132916,"2666100"]},{"_index":"complaint-public-v1","_id":"6004382","_score":9.966643,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX I received an email stating my Wells Fargo checking account was to be closed by XX/XX/XXXX of this year. On XX/XX/2022 I called in and was on the phone with them for over 2 hours and was transferred MANY times and no one was helping me with me issue they said that was there was nothing they could do that they would have to transfer me to the right department There was fraud done on my account so I had to file a couple fraud claims because I wasnt about to get charged for things I didnt purchase. My phone was stolen and I stated that to them numerous times before I got this email! I filed these claims back on XX/XX/2022 and I got a call yesterday stating to call back in to check the status of them so I did and they said it was filed wrong and it was filed as a dispute and not as fraud and I was telling them that it wasnt my fault they filed it wrong the initial time I called in for this issue I am not one argue about these types of things with the representative I am speaking to because it wasnt their fault technically but this matter was supposed to be taken care of within a time period and it wasnt and they stated I would get a credit if It was! Which still have yet to get any credit to my account. The representative then filed two new claims for fraud on my account and she said it should be done no later than XX/XX/2022 to get the money fully put into my account! Once I got off the phone for this issue thats when I received the email of where my account was being closed on XX/XX/2022 for security reasons and I could not open an account for 12 months with then. I have done literally everything I was advised to make sure my account was secured as far as getting a new card, changing my username, password, getting a new phone and literally doing everything they advised me to do to secure my account and help fraud not happen again but they are going to close my account when Ive done literally nothing wrong whatsoever. Before I had filed these claims my account had never been flagged for anything but after I filed these claims I am getting punished for something that was totally out of my hands. I complied with everything they asked me to do, called in when they asked to do within the timeframe they gave me I have all the claim numbers and departments of where to call to get updates. I am extremely frustrated because they are revoking my access to my account at all now where I can go online and see my balances or claim statuses. No customer should ever be punished for something that was done on their account that was literally out of their hands but the bank is doing it for SECURITY reasons. Ok if thats the case close that account and give me a whole new one and transfer my money over to a new account but no they couldnt do that! I have never dealt with fraud before i even stated that on my calls I made to them so I was praying they would be a bit more sympathetic about it since I am overthinking everything at this point. But no they are punishing me and closing my account its beyond ridiculous! Wells Fargo this last month has been nothing short of a pain in my XXXX. I am at loss of words for how they handled this issue.","date_sent_to_company":"2022-09-21T17:03:36.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"923XX","tags":null,"has_narrative":true,"complaint_id":"6004382","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-09-21T16:31:12.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I have never dealt with fraud before i even stated that on my calls I made to them so I was praying they would be a bit more sympathetic <em>about</em> it since I am overthinking everything at this <em>point</em>. But no they are punishing me and closing my account its beyond ridiculous! Wells Fargo this last month has been nothing short of a <em>pain</em> in my XXXX. I am at loss of words for how they handled this issue."]},"sort":[9.966643,"6004382"]},{"_index":"complaint-public-v1","_id":"3377580","_score":9.631078,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Amounts of USD {$210.00} on XX/XX/XXXX and amount of USD {$280.00} on XX/XX/XXXX were wrongfully charged to my account. \n\nI filed the first fraud complaint to Bank of America ( BoA ) in XX/XX/XXXX and again repeatedly almost every month since XX/XX/XXXX through XX/XX/XXXX. \n\nI spoke with the BoA fraud department and credit card department at least once per month since XX/XX/XXXX to try and urge the bank to conduct a proper and thorough investigation. They promised me several times that they would contact the store where the card was used to make the fraudulent transactions ( the only information BoA gave to me was that the card was used in person to buy furniture from a chain department store specifically located in XXXX on a date that I was not even in that city, at a store that I had never heard of and had never stepped foot into, certainly I had never bought furniture as a I was a tourist! ). Bank of America closed my fraud case on three occasions stating that they had no proof that I had not made those payments, but without providing me any proof from their supposed 'investigation ' findings ( despite their promise to do so ). Had BoA actually taken steps to conduct a thorough investigation, they could have easily requested the security tapes from the department store which would have shown who made these payments ( since BoA did have information, they told me, that the charges were made using my card and in person at the store ). Clearly BoA did not conduct any significant investigation, else they would have information to share with me about the fraudulent activity, and they would have found evidence that could have protected me, proven that it was not me, and helped ensure my trust in the bank which I have been a loyal customer of for more than 15 years! \n\nAlso, my card was blocked by BoA and only after several months I reported the fraudulent activity many times, did I receive a replacement card in the mail, still it has not been secure for me to use my credit card, especially since BoA did not conduct a thorough investigation and did not provide me with any information about what happened nor information about how I could set up more security to protect me from any potential future fraud on my card ; and thus I have had to suffer from not having the option to use my card -very important for my security in making payments while travelling ( ATM withdraws are very dangerous in XXXX due to the high rate of ATM scams and robberies ), which is difficult as I am a tourist traveling in XXXX XXXX all these months. I asked BoA to put some extra layers of security on my credit card so that we could try and prevent future fraudulent activity but they said to me that there were no options to do so, not even placing a pin number on the card! \n\nI conducted my own research and found several potential reasons for this fraudulent activity on my credit card : ( 1 ) perhaps my card was cloned by someone unknown when I had used it at a restaurant or store to make an authentic purchase previous to the date of the fraud activity ( I hear that this has happened in XXXX ) ; ( 2 ) I had requested BoA to send me new credit and debit cards in the mail last fall previous to the incident because my cards ' chips were scratched and not able to be read in swiping for payment in card readers -BoA was supposed to send me a replacement card and I hadn't received it, so I called to complain last fall and I think what they did was maybe send another card after my complaint but in the meantime maybe the first replacement card they sent was not cancelled by BoA and then maybe arrived to some location in XXXX without my knowing. I had asked BoA to cancel their first replacement card sent, and to send me a new one with new security details ( with a new credit card number ) so that it was not a 'replacement card ' / 'copy ' but rather a new card with a new number, but I think BoA failed to make this security assurance and perhaps two cards arrived in the mail to XXXX with one being stolen by some other person.. ; ( 3 ) perhaps this was part of a larger BoA scam from within the company. Regarding this last point, I am not accusing BoA of frauding my account, but it does not rule out the possibility of this happening. I looked at the consumer complaint database on the CFPB website, using the filtration system, I searched for complaints against BoA for credit card fraud / wrongful charges on customers ' credit cards, and found about 200 of 1,384,105 reported complaints similar to mine. This said I would want CFPB to conduct an investigation to find out why so many customers of one of America 's largest and important banks all experienced the same thing? \n\nOn top of all of this, BoA made me feel like a criminal as they accused me of making the fraudulent payments when I called them on the phone on several occasions. \n\nI had to undergo extreme financial stress as I didnt have access to using my card all those months, I underwent emotional, psychological trauma and in consequence personal problems in my relationships and this also affected my ability to work. I also underwent financial and time loss as I had to call BoA and wait for hours on the phone, I was consistently disconnected and had to call again and again waiting for 40 minutes each time to reach a representative, then disconnected when transferring me to different departments.. It was a living nightmare of 8 months that I experienced because of BoA 's negligence, accusatory behavior, failure to be organized and take seriously a fraudulent case against one of its loyal customers, failure to help a customer set up security and prevent fraud. \n\nAll this while I have been in a serious semi / permanent health condition suffering serious injury to my XXXX and I told BoA on the phone each time every month that I had to wait and struggle with them, that all this stress was causing my physical condition to worsen, but they did not give me any care for my XXXX by speeding up the process or taking extra care to reduce my pain and stress. I have suffered further from my injury because of the disrespect of BoA towards me in failing to put care into my case. \n\nI first filed a complaint against BoA with CFPB in XX/XX/2019 and BoA responded to CFPB 's letter to BoA regarding my case with refunding me the money. However, this is only half justice, I suffered so much for 8 months because of BoA incompetencies and maybe corruption against its customers. I am writing to CFPB asking for help with the following : 1. please write to / contact BoA to give them the chance to do right on their wrong towards me in not providing me with information from their investigation findings that shows evidence on what exactly happened with the fraud case on my card. I was promised by BoA that they would do this and inform me of findings, but they never did so and never communicated any findings to me. They simply accused me of making those payments without any proof either way..\n\n2. I want to file a suit against BoA and know that CFPB does not provide legal advice in any way, however, I would ask CFPB if it could provide any further information about those 200 cases of consumer complaints against BoA, all of which were for wrongful charges on their cards, just like mine. I would want to know when exactly those other credit card fraud cases happened ( were they during similar times as mine -I put in a filter on timing ranging dates similar to those I experienced fraud ) ; I would also want to know more about those cases, whether they received refunds, whether the banks gave reason and proof /evidence from their investigations.. If there is just cause, I would want to file a class action suit against BoA.\n\nThank you and I appreciate your further help in ( 1 ) trying to get BoA to provide details about what happened in my fraud case, and ( 2 ) help provide me any information about the other cases of reported credit card fraud / wrongful charges on BoA customers as filed on your customer complaint database.. \n\nI hope you received this mail and would be happy to speak with you soon. Feel free to reach out to me at your soonest availability. \n\nI have all evidential documents and can provide you with anything you want upon your request. \n\nRegards XXXX XXXX XXXX XXXX currently in XXXX, number : XXXX NOTE : you are welcome to publish my description above but please do NOT publish my personal information or contact details. Thank you!","date_sent_to_company":"2019-09-17T17:59:35.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"052XX","tags":null,"has_narrative":true,"complaint_id":"3377580","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2019-09-17T17:01:48.000Z","state":"VT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["Regarding this last <em>point</em>, I am not accusing BoA of frauding my account, but it does not rule out the possibility of this happening. I looked at the consumer complaint database on the CFPB website, using the filtration system, I searched for complaints against BoA for <em>credit</em> <em>card</em> fraud / wrongful charges on customers ' <em>credit</em> cards, and found <em>about</em> 200 of 1,384,105 reported complaints similar to mine."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Card</em> was charged for something you did not purchase with the <em>card</em>"]},"sort":[9.631078,"3377580"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":79,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":79}]}},"product":{"doc_count":79,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card or prepaid 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