{"took":134,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":58,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"5528237","_score":18.86726,"_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":["I finally spoke with XXXX XXXX who stated that was <em>transferring</em> me to a supervisor. I was once again hung up on by the supervisor and I am at a <em>point</em> 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 <em>pain</em>. Especially not to be able to SPEAK with anyone who can help me!!!!!!"]},"sort":[18.86726,"5528237"]},{"_index":"complaint-public-v1","_id":"3232990","_score":16.762304,"_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":["On XX/XX/2019, I <em>transferred</em> ~ $ 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 <em>transferring</em> <em>money</em> 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 <em>money</em> <em>transfer</em> triggered a reaction where Citi decided to close my bank account. They never informed me <em>about</em> that! Nor did they inform the branch!"],"product":["<em>Money</em> <em>transfer</em>, virtual currency, or <em>money</em> service"],"sub_product":["International <em>money</em> <em>transfer</em>"]},"sort":[16.762304,"3232990"]},{"_index":"complaint-public-v1","_id":"8328914","_score":16.546597,"_source":{"product":"Checking or savings account","complaint_what_happened":"On or about XX/XX/2023 I noticed that my XXXX  account and its 12 years of photos disappeared. During this period of time I was preparing for XXXX and a trip to XXXX XXXX to see my brother and his family. On or about XX/XX/2023, after doing an exteensive search I found a link to XXXX support and messaged them about fixing or reinstating my account. The customer service at XXXX contacted me and instructed me to download a program given 4 stars on various App sites and held in XXXX  XXXX, XXXX which would be utilized to de-bug my XXXX app and restore the account. I followed their instructions and recieved a realistic text with a case number and information pertaining to how they would resolve the issue. It was reasonable to assume they woorked for XXXX. Thereafter, I traveled to XXXX XXXX, did not check my business account at Chase, and did not look at XXXX for several days. However, I started recieving strange texts about accessing my Chase Bank app as a. way of fixing the instagram issue. I immediately contacted Chase fraud, and filed a claim. It was at this point, that I realized 6 wire transfers not authorized by me were sent to another Chase Bank and to a person who I did not know. Chase could not retrieve the money, they did not give a reason why I would not be refunded. I did not aid or abet in this theft and Chase never sent fraud texts, calls or emails to alert me of these illegal wire transfers. I have opened investigations with the XXXX XXXX, XXXX  police who are pursuing a case against Chase Bank and the FBI is investigating hacking of bank accounts in general. However it is this Bureau which was created to aid consumers like me. I have sought legal counsel, however, such a lawsuit will take years. With the flick of a pain or a phone call to Chase, I believe pressure could be applied to return those funds to me or they could face prosecution or a civil lawsuit with treble damages. The other entities involved would be XXXX, who may have falsely linked themselves with hackers, the hackers themselves and XXXX which is really a tool for hackers unbenownst to me at the time.","date_sent_to_company":"2024-02-12T07:33:00.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"48220","tags":null,"has_narrative":true,"complaint_id":"8328914","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-02-12T07:10:22.000Z","state":"MI","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["However, I started recieving strange texts <em>about</em> accessing my Chase Bank app as a. way of fixing the instagram issue. I immediately contacted Chase fraud, and filed a claim. It was at this <em>point</em>, that I realized 6 wire <em>transfers</em> not authorized by me were sent to another Chase Bank and to a person who I did not know. Chase could not retrieve the <em>money</em>, they did not give a reason why I would not be refunded."]},"sort":[16.546597,"8328914"]},{"_index":"complaint-public-v1","_id":"6677290","_score":16.47464,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am writing to file a complaint against Citibank for their handling of my savings account. On XX/XX/2022, I opened a savings account with Citibank in order to temporarily store a large sum of money while I planned where to invest it. When opening the account, I transferred {$1000.00} to my account. On XX/XX/XXXX and XXXX, XXXX, I transferred two rounds of {$100000.00} each from my XXXX account to Citibank totaling {$200000.00}. Shortly after transferred {$10000.00} out of my account to XXXX XXXX. This left me with {$190000.00} sitting in my Citibank account. \nTo my surprise, on XX/XX/2022, I received written notice that my account was being terminated by Citibank and that all funds would be returned to me within XXXX business days. Despite making numerous calls to Citibank and speaking with different agents about why this occurred, I was given conflicting information each time, causing further confusion and concern. \nOne agent falsely claimed that the Citibank couldnt verify the transfer and had returned my {$190000.00} money to my XXXX account. Another agent claimed that the transferred funds were not under the same name as my Citibank account, so Citibank never accepted the money from the ACH transfer in the first place, which was also untrue. A third agent informed me that my account was under investigation by a third party, which was a surprising development. A fourth agent told me that I would not receive my {$190000.00} back. After the 60 business day mark passed, I still heard nothing and it was only when I called again that an agent told me they would escalate the issue. Despite this, I have still not heard any further updates from Citibank and my money has been frozen by the bank for almost XXXX months at this point. To date, the only confirmation I have received that Citibank even still possesses my money ( despite what customer service agents told me ), is through a Form 1099 that I received from Citibank in the last few weeks with interest income paid to me from my savings account. \nI have also discovered that I am not the only person who has faced such issues with Citibank this is a pervasive issue. I found numerous complaints online from customers who have had their accounts terminated without valid reasons, and with little or no information about the status of their funds. Some consumers have lost access to their money for more than XXXX  months. \nI am now requesting that Citibank return my hard-earned money, which totals {$190000.00}, with interest as soon as possible. The stress and worry caused by this ordeal have been immense and unacceptable, and it is unacceptable that Citibank has not provided me with clear and consistent information regarding the status of my funds or in their investigation process. Being custodians and trusted intermediaries of public money, Citibank is bound to be transparent and accountable to its customers, and they have utterly failed. My trust in Citibank has been destroyed, and I will be spreading the word to help others avoid the pain that this incident has caused me. \nI am filing this complaint with the Consumer Financial Protection Bureau in the hope that Citibank can be held accountable for their actions and to prevent others from facing similar issues in the future. Citibank must be held accountable for their actions.","date_sent_to_company":"2023-03-10T17:42:06.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"75094","tags":null,"has_narrative":true,"complaint_id":"6677290","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-03-10T16:16:08.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Despite making numerous calls to Citibank and speaking with different agents <em>about</em> why this occurred, I was given conflicting information each time, causing further confusion and concern. \nOne agent falsely claimed that the Citibank couldnt verify the <em>transfer</em> and had returned my {$190000.00} <em>money</em> to my XXXX account."]},"sort":[16.47464,"6677290"]},{"_index":"complaint-public-v1","_id":"7417275","_score":15.672746,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Initiated an ACH payment to an employee for {$42000.00} on XX/XX/XXXX to take place on XX/XX/XXXX. His account is also with Chase. It didnt go through, so I went to the Chase branch. After answering several questions to XXXX I was told the transaction was verified and approved. The funds were released, and the transaction would take place within Monday night and Tuesday morning. Those funds were destined to pay this employees tuition, which was due on XX/XX/XXXX. The transfer didnt take place on Tuesday. I couldnt leave work, so I started my endless phone adventure. I talked to XXXX, who again, after asking me all the verification questions, told me the transaction was verified and approved and the funds were being released that same day. On Wednesday, again from my office because I couldnt leave work, called Chase because the funds had not been transferred. Talked to XXXX. Again, went through the verification and approval process and was promised my money was being transferred. No last name or phone number to call them back because they are not authorized to do that. I asked to talk to a supervisor. Not easy to accomplish. Eventually talked to XXXX. He said my money was on its way. He agreed he would call me at the end of business hours to confirm the transfer went through. I had explained to each of these people, from my first visit to the branch, the urgency to transfer that money to the point that if there were any problems with my business account I would, as a last resort, send the money from my personal account and then deal with the tax issues that would arise. Was told it wasnt necessary. By the end of ET business hours, the website showed processing, so I called again. Talked to XXXX. She said everything was alright and the money was being transferred. Explained to me that the end of banking business hours is XXXX XXXX, ET, so the money would be transferred by then. After XXXXXXXX XXXX, ET, my account showed the transfer had been canceled due to insufficient funding. That account had had over {$50000.00} for the last two weeks, so I didnt understand why it couldnt transfer {$42000.00}. I decided then to try a different way to transfer the money. I sent a wire from that same account. On Thursday morning, my account showed being processed. I didnt believe it, so I took time off from work to go again to the branch. The manager was absent, so I talked to a banker. After reviewing her computer for a while, could not explain what happened and told me to go because it looked like the wire was going through. I told her that wasnt enough. I needed to know why I have no way to trust MY money was going to where I was sending it in a timely manner. I explained that although I was being very courteous, I was extremely upset and demanded a response. By now, my payment was overdue. I had told my employee and, he told his school The money is being transferred as we speak Monday, Tuesday and Wednesday. Who would believe we were being truthful when you are talking about a domestic transfer between two accounts of the same bank? I am a foreign-born American citizen, with a strong accent. Was all that unsuccessful verification and disregard for my sense of urgency due to my accent? What do you think the people hearing me say the money is on its way thought? \nI was directed to a different employee. She talked to several people. Eventually, she said the wire went through. We have no explanation to what happened. Basically your money was transferred ( three days later through MY changing strategies, not theirs ), get over it.\n\nI read several complaints against Chase in the XXXX page. Chases response is something like we have already responded to the customer in letter on such date. I can tell you right now : Today I received an email from Chase saying the wire went through. Far from relieving the pain they caused.","date_sent_to_company":"2023-08-17T21:26:45.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"80203","tags":null,"has_narrative":true,"complaint_id":"7417275","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-08-17T21:18:29.000Z","state":"CO","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Far from relieving the <em>pain</em> they caused."],"product":["<em>Money</em> <em>transfer</em>, virtual currency, or <em>money</em> service"],"sub_product":["Domestic (US) <em>money</em> <em>transfer</em>"]},"sort":[15.672746,"7417275"]},{"_index":"complaint-public-v1","_id":"3200645","_score":14.9944515,"_source":{"product":"Checking or savings account","complaint_what_happened":"To whom it may concern : There is someone stealing from my bank accounts at Wells Fargo, XXXX XXXX, and the XXXX XXXX XXXX XXXX. They are using XXXX XXXX, XXXX XXXX and other sources to transfer money. I do not know how they retrieved my personal information. Maybe, they stole mail from my street. I receive weird letters with different addresses and names. \n\nI am very saddened that this is happening. I am older, vision impaired, and in pain daily. I can not go to the bank every time that there is a problem or money is stolen. This account belongs to me, however, my daughter is a beneficiary on several accounts. My daughter has been on taxes, since XXXX, we were involved in accidents in the XXXX 's and she ( XXXX XXXX ) assists me daily with care. We have accumulated a lot of wealth. \n\nThe police have also been recently harassing us. They were harassing my daughter for no reason and they have destroyed her property, worsening our health. My daughter is severely depressed. They ruined her vehicle to the point she has to associate with dangerous people while travelling. The police might be stealing personal information to ruin me and my daughter 's life. I do not speak to any other people in regards to my checking or savings account except my daughter XXXX XXXX. The people who are hacking my account are strange people who I have no affiliation with. I am very anxious and nervous since these problems continue to occur. \n\nMy daughter has several complaints here also. Please send me correspondence of this complaint. Someone else also has hacked my telephone number as well as my daughter 's trying to steal money from our accounts. I never talk to this people. Telemarketers and scammers might make calls occasionally. Please help me with this matter. The police might have also caused some of these problems and there is even a stolen check that was in my daughter 's vehicle that, XXXX XXXX, my daughter 's previous finance company has stolen. \n\nBasically, someone is hacking my phone numbers, debit cards, bank accounts and other information to steal money online through different banks. \nPlease email my daughter with correspondence about this case. Note : hackers are hacking me and my daughters phone numbers. They are using identity fraud. Who has are numbers? \nMy name is XXXX XXXX Daughter 's name XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2019-04-03T15:05:16.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"086XX","tags":"Older American","has_narrative":true,"complaint_id":"3200645","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2019-04-03T14:40:58.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["They are using XXXX XXXX, XXXX XXXX and other sources to <em>transfer</em> <em>money</em>. I do not know how they retrieved my personal information. Maybe, they stole mail from my street. I receive weird letters with different addresses and names. \n\nI am very saddened that this is happening. I am older, vision impaired, and in <em>pain</em> daily. I can not go to the bank every time that there is a problem or <em>money</em> is stolen. This account belongs to me, however, my daughter is a beneficiary on several accounts."]},"sort":[14.9944515,"3200645"]},{"_index":"complaint-public-v1","_id":"8298365","_score":14.860691,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/XXXX - An attempt was made to fraudulently wire transfer over {$48000.00} from my business checking account, which Citibank blocked. However, I was not notified in any way that this attempt was made. I only learned about it in a later call with the bank 's customer service. I could have told them to block the account at this time had they let me know and saved a lot of money, pain and suffering. \n\nXX/XX/XXXX - A fraudulent transfer of {$46000.00} was debited from my account. Again, I was not notified in any way ( text, email or phone ) that this transfer was made. I noticed the transaction later in the day. It showed as pending on my online banking, so I immediately called Citibank. They told me that the wire transfer department was already closed and that I would have to call back when they opened in the morning. I called a second time, requesting that some action could be taken immediately, but was refused any help. ( During a later call with the bank, I was instructed that Citibank actually does have an after hours process, but they refused me this information at that time. ) XX/XX/XXXX - I called the wire transfer department as soon as they opened to report the fraudulent transaction. At this point, they said the wire had already gone through to and it was out of their hands, but they would issue a wire recall request. I filed a police report and FBI report. \n\nXX/XX/XXXX - A credit of {$1700.00} appeared in my account that was affected by fraud. This is the amount Citibank was able to recover from the thieves. \n\nXX/XX/XXXX - Citibank told me that my claim had been denied, but gave no reason why. I requested an appeal and sent them the police report and FBI report. \n\nXX/XX/XXXX - I received a letter saying \" We have completed our investigation of your fraud claim. Please note it has been denied. Our decision was based on : \" Leaving a blank where they should have written how they made their decision. \n\nI am writing to you in hopes you can help me recover the stolen funds. I have spent an enormous amount of time trying to work with Citibank in trying to resolve the issue. There are \" notes '' for my case in the Citibank system that should show all the time I have spent on the phone and in the branch with them. \n\nI previously lodged a complaint under XXXX, but received a response that the complaint listed someone not on the account. I did not name anyone in that complaint, so do not accept this as a basis to refuse my reasonable request.","date_sent_to_company":"2024-02-08T04:37:54.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"94520","tags":null,"has_narrative":true,"complaint_id":"8298365","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-02-08T04:23:01.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["XX/XX/XXXX - An attempt was made to fraudulently wire <em>transfer</em> over {$48000.00} from my business checking account, which Citibank blocked. However, I was not notified in any way that this attempt was made. I only learned <em>about</em> it in a later call with the bank 's customer service. I could have told them to block the account at this time had they let me know and saved a lot of <em>money</em>, <em>pain</em> and suffering. \n\nXX/XX/XXXX - A fraudulent <em>transfer</em> of {$46000.00} was debited from my account."]},"sort":[14.860691,"8298365"]},{"_index":"complaint-public-v1","_id":"2590498","_score":14.710539,"_source":{"product":"Student loan","complaint_what_happened":"I am XXXX XXXX due to a rare, chronic and incurable illness, and have been out of work for more than one year. The only source of income I have is XXXX XXXX which is n't enough to cover my medical needs. Navient completed a financial assessment stating I 'm about {$6700.00} short of monthly expenses. My student loans are in repayment but I 'm not able to pay them. At near default status, I was able to get on a reduced rate program for one loan. To pay this, I 'll have to forego medication each month. XXXX more loans were in the same status and after providing financial information, an amount was offered at a reduced rate of {$280.00}. Though this amount will mean I must forego more medication, I needed to accept it or risk my parents being sued for a debt that belonged to me. The payment was to be drafted at the end of each month. I received a call at approximately XXXX from the representative who set the program up for reduced payments. He told me that his supervisors manager denied my reduced payment request because of my revolving credit payments. Somehow being {$6700.00} in the negative has no bearing on my ability to afford to make student loan payments. He then said I had until XXXX to pay $ XXXX+ to add to the {$280.00} drafted today for the loan program I agreed to. He would n't give me the managers name nor transfer me. But he said my loan would officially default now, as a result which was not supposed to happen. I was mislead into giving navient access to my account. I called the advocate office and they would n't open a complaint for me. The representative was told to transfer me to the rate reduction team. From there I remained on hold for nearly 90 minutes until I finally disconnected because I was experiencing high levels of pain due to the XXXX. I do n't know what else to do at this point. These loans were already and issue because they were illegally modified for approval. But now I 've been mislead for my account access, money has been taken and threatened with loan default and possible legal action.","date_sent_to_company":"2017-08-01T05:23:42.000Z","issue":"Struggling to repay your loan","sub_product":"Private student loan","zip_code":"30022","tags":null,"has_narrative":true,"complaint_id":"2590498","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2017-08-01T00:35:05.000Z","state":"GA","company_public_response":null,"sub_issue":"Can't get other flexible options for repaying your loan"},"highlight":{"complaint_what_happened":["I do n't know what else to do at this <em>point</em>. These loans were already and issue because they were illegally modified for approval. But now I 've been mislead for my account access, <em>money</em> has been taken and threatened with loan default and possible legal action."]},"sort":[14.710539,"2590498"]},{"_index":"complaint-public-v1","_id":"2978945","_score":14.127733,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"I started working for XXXX  as a delivery driver.This requires that you pay for your own gas. Therefore in order to do this job you must spend at least {$20.00} a day for gas to get to your pickup 's and dropoff 's.\n\nBecause XXXX takes about 10 days to get your first paycheck unless you have about {$200.00} in the bank before you start working for them you will run out of money to pay for gas in just 3-4 days and can't work till you get paid.\n\nNow XXXX has a feature built into their App that lets you transfer money you have made the same day as long as there's at least {$5.00} in your XXXX account. They have a service they use to do these instant payment which charges the driver {$0.00} per money transfer to your bank account. When you do this you usually have your money in about 15 min.\n\nSo I looked on the Internet to see if there was a third party company that could do this same kind of instant money transfer.\n\nI found this company called XXXX. They promoted you pay what you feel is fair for their transfer. You could even pay XXXX XXXX you like.\n\nSo this looked like what I wanted, so I gave then my bank account info so they could do direct deposit.\n\nWhat was different with XXXX than the instant transfer XXXX uses is XXXX dosent have direct access to XXXX  's system and therefore XXXX had you take screenshots of your daily Time sheets showing the amount of money you made that day.\n\nYou would upload one of your screenshots of your time sheet to the XXXX  servers.\n\nThey would look at it and once they approved it they would credit the amount on your timesheet, minus they tip you agreed to pay them to your XXXX App account.\n\nFrom there you click the transfer button and they sent this amount they are loning you to your bank account in as little as 19 seconds or as long as 24/hours.\n\nNow XXXX  stated in the instruction 's that the monitor my XXXX  account and will only take back the amount I took from them up to the amount XXXX would be depositing into my account on my payday which is every Thursday.\n\nThe problem is After I made my first two transfers one for $ 24/and one for {$54.00}. XXXX was suppose to take the money 7days latter when this amount I took from XXXX equal to the amount My Tinesheets from XXXX showed would be paid to my bank the following payday.\n\nInstead XXXX tried to take these two payment the day after my last payday.from XXXX and not the following week when XXXX would deposit my pay associated with the Tinesheets I sent XXXX  along with any money I didn't have transfered that I made the previous week.\n\nWhat XXXX did by not waiting until they were suppose to take the money out caused my bank account to go negative balance and get charged two overdraft fee from my bank totaling {$64.00} because that Payday I only.made {$25.00} the previous week from XXXX.\n\nAs soon as this happened I notified both XXXX and my bank that XXXX  made a mistake by not waiting until the following week to take their payment like they were suppose to do causing me to get two overdrafts totaling {$64.00} and they need to make this right since this was their fault. I also contacted my bank and explained what happened.\n\nAfter 3 days I got no response from either of them and at this point I knew in four days when XXXX  deposited my pay, my bank would take the $ XXXX/away from me and if I didn't stop XXXX from taking their money, I would have about {$30.00} to pay for gas and eat for the week which was impossible to do.\n\nSo I sent XXXX an email which is the only way to contact them. they don't have a phone number to contact them, telling them that because they screwed up costing me {$64.00} in overdrafts I was revoking my permission for them to take anymore money from my bank account and I would mail them the money I owed them.\n\nI then sent an email to my bank explaining all this to them and ordered.them to not pay anymore ACJ payments that come in from XXXX.\n\nOne day went by with no answer from either of them so now my prior to three days window would be gone the next day, so I sent them both the same letters again, next day no response from either so I sent the same letters to both for the next three day prior to my payday to try and stop XXXX from taking any money from my account. I even went to one of my bank branches and told them do not pay anything from XXXX. I explained I have been sending them emails for 6 days telling them not to pay XXXX   anything from now on.\n\nThe teller told me they can't do anything to block the transaction.\n\nThat is when I pulled my phone out and showed her that the law requires that they block payment if I have informed the payee I have revoked their permission to withdraws money from my account and your bank has been noted several times and now I'm notifying you, do not pay XXXX  any money from my account.\n\nIf you do it will create s hardship for me because I will have no money to put gas in my car to work and it will cause me pain and suffering because I will not have money to buy food.\n\nHer response was OK Mt. I will let the corporate office know this.\n\nThe next day on my payday my bank did nothing to stop it and along with their $ XXXX/overdraft fees.and.the money XXXX took from my account I had less than {$30.00} left in my account for a week.\n\nI since then filed a dispute with my bank for the money XXXX   took from my account along with the Overdraft fees be refunded but they told me it will take at least 10 days before they would refund any money back to me.\n\nMeanwhile I ran out of money yesterday haven't been able to work and will have to go without food for two days and then I don't know if more money will be taken from me without permission.\n\nThis is s perfect example of what happens when you deregulate too much with no pentalies, companies.ignor the law and people suffer.","date_sent_to_company":"2018-08-03T16:54:07.000Z","issue":"Money was taken from your bank account on the wrong day or for the wrong amount","sub_product":"Payday loan","zip_code":"91942","tags":null,"has_narrative":true,"complaint_id":"2978945","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BBVA FINANCIAL CORPORATION","date_received":"2018-08-01T11:21:43.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["They have a service they use to do these instant payment which charges the driver {$0.00} per <em>money</em> <em>transfer</em> to your bank account. When you do this you usually have your <em>money</em> in <em>about</em> 15 min.\n\nSo I looked on the Internet to see if there was a third party company that could do this same kind of instant <em>money</em> <em>transfer</em>.\n\nI found this company called XXXX. They promoted you pay what you feel is fair for their <em>transfer</em>. You could even pay XXXX XXXX you like."],"issue":["<em>Money</em> was taken from your bank account on the wrong day or for the wrong amount"]},"sort":[14.127733,"2978945"]},{"_index":"complaint-public-v1","_id":"6004382","_score":14.071137,"_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":["Ok if thats the case close that account and give me a whole new one and <em>transfer</em> my <em>money</em> 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 <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."]},"sort":[14.071137,"6004382"]},{"_index":"complaint-public-v1","_id":"12266098","_score":13.765015,"_source":{"product":"Checking or savings account","complaint_what_happened":"I walked into the onsite KeyBank in XXXX Massachusetts XX/XX/year> at XXXX XXXX. to withdraw {$4000.00}. I went through the verification process twice. The teller started counting my money. the branch manager started asked where I was getting the money, what I was going to do with it, and where I worked.\n\nI told them that I wouldn't provide that information, that it was none of there business. They said for being rude and they refused to let me withdraw it.\n\nI went to the attached ATM to withdraw the money and was told that I was exceeding my card limit. At this point I called to have the limit increased to {$8000.00} which I was told they did. The amount on the atm and my avalable amount to withdrawal was immediately lowered to XXXX by the branch staff. I am now being humiliated and abused with my own money. \n\nI went to XXXX XXXX through. I was told they couldn't process my request, because it was over XXXX XXXX The first person told that, that day, im sureXXXX  I turned to my daughter and said that it was XXXX ridiculous that I couldn't cash a paycheck. \n\nThen I went back inside where I was denied again because I had refused to answer their questions and had cursed, though it wasn't even directed at them or in the build. It was in my own car in a private conversation with my daughter. \n\nThey refused to let me withdraw money without a legitimate reason. \n\nI called to complain. They said they couldn't do anything. \n\nI had no money to visit my family. \nNo money to looks at cars with my son. \nNo money for thanks giving dinner. \nNo money to sent people shoping to get deals. \nI got more pain and my anxiety disorder is going wild. \nCalled back today. My limit is now decreased to XXXX XXXX My family and I have been bullied, humiliated, XXXX  with my own money. Denied financial stability from my own money. XXXX and XXXX XXXX  out the window. And they are still messing with me, my family, and my finaces.. because they didn't like they answer to questions they should not have asked in the first place. \n\n\nEvery federal and private security training, that most of the work force gets, is about restricting information. We are told The individual is responsible for their privacy. \n\nA lobby open to the public, where I already provided enough info to identify my account, is not the best place to go over more personal and finachal info. I would not do it at XXXX. I wouldn't do it in any lobby, that is open to the public. It ignores almost every basic security principle. Cant verify. Cant maintain it. Cant keep it private. XXXX keep it honest. No training says protect your data in areas accasable to the public, except the key bank lobby. It is educated, but suspicious, to not do it. Even on the bank web site, it says to protect your data. \n\nA ged and a name tag is not a finachal advisor or security expert. It is a bad system. \n\nI understand needing to fill out a withdrawal slip with a check box... employment, personal, other. As ; the info would be optional, but still allow the option of visibility. \n\nI was denied the use of my own property, because i wouldn't tell somone how I was going to spend it? They said they denied me because saying \" I wasn't going to answer '' was rude... with No other reason? Even if suspect, suspect of what? Spening my money frivolousley? \n\nCurrently, They changed my atm limit down to XXXXXXXX XXXX and have no record of who did it. No notice, consent, permission, or awarness.They can't manage the data they have and they want more? I am for sure going to try to sue for damages. I was abused with my own money, with out a liget reason. \n\nAs you defend your clients that are getting scammed by bad actors, just please be be aware, the issue can be solved with the loss of inalienable rights. \n\nI only needed a two numbers to transfer almost XXXX XXXX. No verification and no reason. XXXX have a optional feature that checks your transfers agenst insured institutions to make the transfers them selves insured. \n\nThere are a XXXX better ways to protect people without interference of there rights and securities. \n\nI should be able to access my property and use it, as long as it's for legal reasons. They continue to abuse me and my account.","date_sent_to_company":"2025-02-27T13:36:35.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"01420","tags":null,"has_narrative":true,"complaint_id":"12266098","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"KEYCORP","date_received":"2025-02-27T13:27:22.000Z","state":"MA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["They refused to let me withdraw <em>money</em> without a legitimate reason. \n\nI called to complain. They said they couldn't do anything. \n\nI had no <em>money</em> to visit my family. \nNo <em>money</em> to looks at cars with my son. \nNo <em>money</em> for thanks giving dinner. \nNo <em>money</em> to sent people shoping to get deals. \nI got more <em>pain</em> and my anxiety disorder is going wild. \nCalled back today. My limit is now decreased to XXXX XXXX My family and I have been bullied, humiliated, XXXX  with my own <em>money</em>."]},"sort":[13.765015,"12266098"]},{"_index":"complaint-public-v1","_id":"18211576","_score":13.737295,"_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 am making payments with Capital One check-in and save this account as well is to the <em>point</em> that the check-in and savers account are not allowing me to add <em>money</em> onto the account before I got approved for the checking account."]},"sort":[13.737295,"18211576"]},{"_index":"complaint-public-v1","_id":"1787301","_score":12.810335,"_source":{"product":"Bank account or service","complaint_what_happened":"On XXXX XXXX 2016, at around XXXX, I signed into my Capital one 360 checking account because I was filing my taxes and wanted to verify and insert my account number so that my tax refund will be direct deposited. I noticed that {$2500.00} had been withdrawn from my account that same day. I called the bank at XXXX XXXX and reported the issue. I told the representative I spoke with that I am not the one who withdrew the funds in my account. The representative advised me that he will stop all withdrawals from my account and open an investigation. I told the representative to hold on while I transfer {$120.00} into my joint account so I can use for gas while they investigate. The balance on my account before the withdrawal was about {$2600.00} and at this point, only {$39.00} was left in my account. \n\nI received a call from a representative in the investigation team the next day XXXX XXXX 2016. The representative asked me a few questions to confirm my identity. The representative asked me about XXXX deposits I made on XXXX XXXX and I confirmed that I made those deposits. The representative then told me that the person who made the deposit on XXXX XXXX was the same person that did the withdrawal at a Capital one bank in XXXX XXXX, XXXX. I told the representative that what she is telling me is impossible because I am in XXXX and I have been home the whole day with my father and children. I requested the video and the representative informed me that the bank will not be giving me the video and that I will need a detective to subpoena the video. The representative requested that I go give a police report and go into a branch, scan and send my drivers license by email. I did. This was a very stressful and painful process for me and the representative made me feel like the bank was partnering with the identity thief who withdrew the money from my account. I requested that a different representative should be assigned to my account and case. \n\nOn Tuesday XXXX XXXX, 2016, I received a call from another representative who notified me that the bank has finished its investigation and concluded that I am the one who withdrew money from my account. She notified me that the bank will close my account and send me a check by mail. I was very frustrated and did not know what to do. I went online and was searching for resources that could help me. I was late on all my bills, my credit was affected, I received late penalties for my bills and was feeling very sick from XXXX and confusion. I finally called the State of XXXX Attorney General 's office and spoke with XXXX who was very helpful. He gave me some helpful links to report the issue and sent me information by email and mail on what to do in the event of identity theft. \n\nI am very disappointed in Capital One bank and the whole process. They really made me understand that they do not care about their customers. I checked the bank website and came to know that the XXXX XXXX XXXX in New Jersey opened at XXXX on XXXX XXXX and I called the bank from XXXX XXXX at XXXX XXXX on that same day. It takes 3 hours or more from my home in XXXX to the XXXX XXXX branch in XXXX, which means it is impossible that the person who withdrew the money from the account was me, even if the withdrawal happened at the same time that the bank opened. I requested a confirmation from my phone company, XXXX, and it is being attached with this report. I am also attaching the police report and the email I sent to the investigations team. Capital One Bank should apologize to me, refund my money and compensate me for the pain and suffering they have put me through. Please let me know if you have any questions.","date_sent_to_company":"2016-02-15T04:16:19.000Z","issue":"Deposits and withdrawals","sub_product":"Checking account","zip_code":"20707","tags":null,"has_narrative":true,"complaint_id":"1787301","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2016-02-15T04:16:18.000Z","state":"MD","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Capital One Bank should apologize to me, refund my <em>money</em> and compensate me for the <em>pain</em> and suffering they have put me through. Please let me know if you have any questions."]},"sort":[12.810335,"1787301"]},{"_index":"complaint-public-v1","_id":"10300642","_score":12.807718,"_source":{"product":"Checking or savings account","complaint_what_happened":"Our account was hacked via the NetSpend website. The hacker first turned our overdraft on, then they moved {$1200.00} from savings to deposit then they made {$750.00} purchase at Coinbase ( why NetSpend didn't lock the card and find this suspicious, I have no clue ), then the hacker tried to spend {$380.00} at a XXXX XXXX in Minnesota ( I'm from WV ). Thankfully NetSpend found this one auspicious and locked the account so the {$400.00} purchase didn't go through. We tried sat, sun, and mon to contact NetSpend and we never spoke with anyone. We would immediately be transferred to a CSR via AI and no one would answer. I spent over 6 hours on hold for nothing. Finally my wife used a different card so that when it asked for the card number it was different than the one that was hacked and oddly enough she had a CSR on the phone in less than 2 min. Since then they have had us jump thru hoop after hoop so we can unlock the account and transfer the remaining {$400.00} onto a different card so we can feed our children.. we have no family or anyone that can help with money and there aren't even any food banks close to us so our kids have literally been living off of bologna and ramen for a week. We have verified his identity twice. Now they want us to do it a 3rd time. They have no intention of releasing OUR MONEY to us and I'm really close to seeking legal counsel. If only they had treated the hackers this way we wouldn't be in this position. When I had to do the first identity verification it was through email via the risk team. I sent them my documents waited on response it was supposed to be six business hours they said I waited 17 and when I finally got a response it said and I quote I know it can be frustrating when someone opens a card in your name without your permission. I was like what? What are you talking about? No one opened a card in my name without my permission have you not read the thread above do you not know what this is about you all not communicate it literally tells you in the thread above in this email what's going on and that is my account was hacked and every dollar I have to my name was stolen. The response to that was that I needed to contact the customer service team and they would walk me through how I can follow dispute a dispute had been filed for 2 or 3 days at that point, I believe. the CSR team is who sent me to the risk team so I don't know what the XXXX 's going on over there but they need to pull their heads out of their XXXX and figure this out. They have XXXX care that there is a family of five sitting here literally starving to death with no way of getting any help from anyone. And if I if I do have to seek legal counsel in the end I mean I will be suing for pain and suffering because we have suffered for a week when I say that we are starving I'm not being facetious I'm telling you my kids are coming to me a couple times a day telling me they're hungry and I can hear their stomachs growling and there's nothing I can do about it because I don't have a dime and I can't access my money which I thought was safe with NetSpend. \nI just want to thank you all for your time and your consideration and for helping me with this because I don't know where to turn I don't know want to do I've never been a victim of anything like this but I mean I've already been victimized once by being having my money stolen and now I feel like NetSpend is victimizing me all over again and you all seem to be maybe my shining knights in armor at the moment and I just want you to know that I appreciate it thank you so much","date_sent_to_company":"2024-09-28T23:53:38.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"252XX","tags":null,"has_narrative":true,"complaint_id":"10300642","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Netspend Corporation","date_received":"2024-09-28T22:50:50.000Z","state":"WV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["And if I if I do have to seek legal counsel in the end I mean I will be suing for <em>pain</em> and suffering because we have suffered for a week when I say that we are starving I'm not being facetious I'm telling you my kids are coming to me a couple times a day telling me they're hungry and I can hear their stomachs growling and there's nothing I can do <em>about</em> it because I don't have a dime and I can't access my <em>money</em> which I thought was safe with NetSpend."]},"sort":[12.807718,"10300642"]},{"_index":"complaint-public-v1","_id":"6689822","_score":12.603462,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Salutations ; My name is XXXX XXXX, I purchased a car through XXXX XXXX of XXXX. It was a XXXX  XXXX XXXX. \n\nWhen purchasing the vehicle, I needed to get a loan, and the dealership had a list we went through and picked one. That company happened to be : WestLake Financial Services www.westlakefinancial.com Initially my payments were {$710.00} a month, and I made every payment on time. When I checked my breakdown of the financials, I noticed they were keeping money for themselves and not reflecting it towards my payments for the car. \n\nAt this point, I decided I needed to go with someone else, so I went to my bank which at the time was : XXXX XXXX XXXX, they re-branded to : XXXX XXXX XXXX. \n\nMy personal banker, XXXX XXXX assisted me in refinancing my car loan through them, which afforded me better rates and obviously better customer service. \n\nDuring the transition from WestLake Financial to my bank, I suffered a great deal of stress from WestLake. \n\nThey initiated business with me through practices of deceptive and arbitrary flexibility regarding payment structure and customer service. \nThey continued their relationship with me through abusive practices of misdirection and empty promises. \nThey maintained a measure of unfair means of leaving by posting non-working phone numbers on their website, e-mails and links. \n\nIt took me entirely too long to leave them. \n\nI had my bank provide me with a loan payoff amount that WestLake financial requested, WestLake then told me they did not accept payment through wire transfers or direct banking and I had to mail them a cashiers cheque or money order. \n\nMy banker helped me in the process of converting my loan to a money order and mailed it out through first class priority mail requiring a signature upon receipt. I believe it was XXXX who verified it was delivered and signed for, WestLake then told us they didn't receive the cheque and I was being billed interest and additional charges through this process too- which changed the amount I needed to mail them, so my banker had to cut a second cheque for an even bigger amount. \n\nI made over twenty phone calls and over twenty e-mails to WestLake, including my banker in the dialogue for record keeping and they ran me in circles for weeks. \n\nProviding me with numbers that were disconnected, e-mails that were returned saying those accounts were not active. \nI gave my banker POA to assist me in this matter and they refused to talk to her on the phone or through e-mail, so I had to miss work on several occasions so I could sit in my bankers office to be on speaker phone. \n\nAnd finally when we finally got the loan switched over after paying extra money and causing me severe pain and suffering, they still refuse to send the title of the car to my bank. \n\nSomeone needs to take action and shut these fraudsters down! These are unacceptable business practices and I know I am not the only one suffering from these XXXX XXXX XXXX. If I wasn't already poor, I would hire an attorney and try to sue to get some money back. Hopefully you guys will have better luck. \n\nFor any additional information or for verification you can also e-mail my banker at XXXX I hope you guys can do something about this, and maybe possibly help me get my cars title from them?","date_sent_to_company":"2023-03-14T00:07:17.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"50266","tags":null,"has_narrative":true,"complaint_id":"6689822","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Westlake Services, LLC","date_received":"2023-03-13T23:33:19.000Z","state":"IA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem related to refinancing"},"highlight":{"complaint_what_happened":["I had my bank provide me with a loan payoff amount that WestLake financial requested, WestLake then told me they did not accept payment through wire <em>transfers</em> or direct banking and I had to mail them a cashiers cheque or <em>money</em> order. \n\nMy banker helped me in the process of converting my loan to a <em>money</em> order and mailed it out through first class priority mail requiring a signature upon receipt."]},"sort":[12.603462,"6689822"]},{"_index":"complaint-public-v1","_id":"8952588","_score":12.44542,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am a XXXX XXXX  and on XX/XX/year> I went to the local Chase bank XXXX XXXX XXXX in XXXX, VT and opened a checking account with the assistance of XXXX XXXX. I showed him The coupon that I received in the mail from Chase that promised a {$300.00} if I set up A direct deposit of my Social Security benefit that is direct deposited in my current Checking account with XXXX XXXX \n\nXXXX and I discussed this at which time he mentioned that setting up a direct deposit Can take up to 2-3 months. I told him that I was aware of this. On or around XX/XX/year> I logged into my Social Security account and changed my direct deposit to my Chase bank checking account. \n\nOn XX/XX/XXXX when the direct deposit change was supposed to be in effect and my XXXX XXXX should have gone to my Chase checking account I tried to make a purchase and It was denied. I called the bank customer service and was told that my account had been Closed due to inactivity. At this point I emailed XXXX and explained the problem and Requested to speak with his manager.\n\nA manager by the name of XXXX called me and I explained the problem and the fact that I am a XXXX XXXX and that the XXXX benefit is Is my only source of income. \nI also explained that all of my accounts are Linked to my checking account included my cell phone and that I will be incurring late fees, overdraft fees and my cell phone will be shut off because I wont be able to pay Any of these bills and other monthly fees because I DO NOT HAVE ANY MONEY. \n\nThe fact that I was never warned or contacted about this rule and the closure of my account Is truly unconscionable on the part of Chase Bank and XXXX XXXX who knew that these types of direct deposit transfer changes would take up to XXXX days. \n\nXXXX said that he has tried to get this rule of account closure changed because it is stupid and unfair to customers or something to that effect. I asked him if he Could help me in some way and he said I should contact my accounts and explain the Problem but there was nothing he could do. \n\nSince I spoke to manager XXXX I have incurred late fees on some of my accounts, overdraft charges on my XXXX XXXX checking account and the cancelation of my cell Phone service. In addition, I have been unable to access my XXXXXXXX XXXX meaning loss Of sales. I am estimating my financial loss at {$1000.00}. I am claiming also personal Damages in the form of extreme stress, XXXX, pain and embarrassment, due to the negligence of this bank. Also, I have not been able to pay for my XXXX as a result of Chase banks negligence. \n\nIt is obvious to me that XXXX did not explain the account closure rule out of spite because I complained we argued about the {$300.00} bonus that I did not receive in 15 days as indicated On the coupon and in a letter from him. \n\nI spoke to the Social Security Department on XX/XX/XXXX and it was explained to me that my XXXX transfer was still in a pending status at Chase Bank and nothing could be done to correct the problem until Chase sent the deposit back to the Treasury Department. Also, I was told that when they receive the deposit back from the bank it can take up to 2 weeks to be deposited in my XXXX XXXX checking account. I sent an email to XXXX on XX/XX/XXXX but have yet to hear from anyone at Chase. \n\nIn the meantime I have no money for food, gas, and other necessities and do not know what Im going to do.","date_sent_to_company":"2024-05-07T19:43:29.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"05401","tags":"Older American","has_narrative":true,"complaint_id":"8952588","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-05-07T19:07:50.000Z","state":"VT","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["In the meantime I have no <em>money</em> for food, gas, and other necessities and do not know what Im going to do."]},"sort":[12.44542,"8952588"]},{"_index":"complaint-public-v1","_id":"5216334","_score":12.293473,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XXXX XX/XX/XXXX, at XXXX XXXX  I received a text message from : XXXX ( XXXX ) XXXX that read : Wells Fargo Bank : Did you attempt a purchase for {$210.00} at XXXX reply Yes/No or Help for Help or Stop to stop fraud alerts I immediately responded : No Shortly after I received a phone call from an XXXX number that was so like Wells Fargos customer service number that I was later told by them it was only XXXX digit off. \n\nWhen I answered the phone, the caller explained that they were Wells Fargo contacting me about a suspicious transaction to which I responded no ( that it was unauthorized ) in the text message. He explained as a banker would that there was someone in Texas trying to make a purchase in XXXX XXXX using my information in their digital wallet. He proceeded to tell me to wait as he pulled up the exact information. He then told me it was someone by the name of XXXX XXXX and that he was going to take a closer look into my account to see if there were any other suspicious activities. As he put me on hold my entire thought process was around how my bank was protecting me from a scammer and how relieved I was to have that protection. \n\nThe banker returned to the phone after a minute of putting me on hold. He first asked me To confirm my account balances. Next, he explained that there were in fact XXXX more suspicious transactions, however this time on my XXXX account. He went on to tell me that the scammer sent XXXX XXXX transactions, the first for {$1800.00} which was in processing, and a second smaller amount for {$500.00} that the scammer was hoping would go straight through. However, he explained they were both in processing still. Next, the banker explained that because XXXX is a third-party app to Wells Fargo the only way to reverse the funds was to transfer the money back to me and to sign myself up on my XXXX. This is simple and only asks for a name and phone number to which I saw no harm in and did. \n\nAt this point, I am very distraught I had just received a paycheck and was so relieved that my bank prevented this scammer from stealing my money. My thoughts were crazy, I was tired and felt under attack. I believed everything I was told on the phone. I didnt share any of my personal information. \n\nThe XXXX thing I was tricked into doing was sharing a verification code that was sent via a text message from XXXX XXXX. I was told that was the bank that is registered with XXXX and the only way to reverse my funds back to me. \n\nI still had not shared any personal information. The final step to get the transfer to reverse was to send me the money to which I saw no harm in doing it was to myself! When I selected my name under my XXXX recipients and went into the next window it was the name XXXX XXXX XXXX the name I was given as the scammer at the beginning of the conversation. I responded alarmed saying it was that name and not mine. He told me not to worry about it that it was the scammer in my account, and it is still attached to me not them. With totally XXXX trust I transfers the money both {$1800.00} and {$500.00} which I believed was to myself. \n\nThe banker told me he was going to transfer me out of the fraud department to speak with another Wells Fargo banker about canceling my debit card, changing my account password, and ordering new cards. I was out on hold again for a minute. When he returned, he said that there was an extremely high call volume and that he could schedule a call back with a banker. I was feeling highly anxious at this point and hung up the phone. \n\nEven though it took me a while to realize I was scammed I did immediately call Wells Fargo to speak with another representative who could verify all of this. Of course, the customer service line was busy, and I could not get anyone on the phone immediately. I literally waited for almost an hour before speaking with a customer service representative. At this point it had set in that I was scammed and filed a fraud claim. I explained everything that happened to the representative in tears! It was devastating to hear that the response was that Wells Fargo has XXXX days to respond and I would just have to wait until they finished the investigation. \n\nThe following XXXX I called Wells Fargo to get an update. I spoke with a customer representative who told me that my claim was never filed, and I had to refile. To which I was very XXXX, and my XXXX level went way up again. I retold the story of what happened to me and was told that they had XXXX  days again. I waited until early the following week to call again and speak to another representative. She told me that they had no updates and to check back in later. I waited several more days now it had been XXXX days. This time when I called, I was transferred to several different people, none of whom had any information other than that they filed a Courteous Claim with the other bank and it was up to them to respond. All we can do at this point is wait. I argued with the XXXX customer service representative that this is not acceptable. I begged him to call the other bank for me or to tell me what I can do for myself to retrieve my money. He gave no suggestions other than to wait. \n\nI couldnt accept this from my bank and felt a need to further explain to them. I explained that the person was scripted to a XXXX as a banker, spoke like a banker, said all the things bankers do such as to look on the back of my card at the number and to call if I had any concerns or wanted to verify anything with Wells Fargo. I have heard the same exact things he said from Wells Fargo customer service. He then asked me if I thought the scammer was an actual Wells Fargo banker. After giving it thought, I responded with an honest yes. My response was from the fact that there was someone elses name in my XXXX account behind my name. I didnt do that and dont have the technology to do that. It was the whole reason I got scammed. I again never shared any of my personal information. \n\nAfter responding that I believed it to be a banker and only after then was when he agreed to escalate my claim. \n\nI finally felt like I was getting the attention I needed from my bank after weeks of waiting and hours on the phone and I could breathe a sigh of relief. I truly felt that if Wells Fargo investigated this closely, they could see that it was a scam and be able to track the scammer down and retrieve my money. XXXX XXXX offer this protection to their customers is what I truly believed. I then had to wait again for another investigation to proceed. I was given a letter from the investigator explaining that she was determined to get a solution for me and that she may call me for questions but that I would hear from her by the XXXX with a resolution and included her contact number. \n\nI gave it several days and never got a call so decided to call as I wanted to speak with the new investigator and make sure she didnt have questions or need clarity from me. No answer, I left a voicemail. Never got a callback but instead several days later another message asking for more time and that I would get a resolution now by the XXXX ( over a month after the fraud! ). \n\nAfter all this effort and waiting and pain, I received a final letter from Wells Fargo saying that they were satisfied with the initial resolution on my claim because I initiated the transaction. \n\nI am left feeling like they literally did nothing to help me. I gave them the name the scammer gave me, XXXX XXXX, the phone number I was text messaged from, along with the phone number I was called from ( both different numbers ). It was a XXXX after bank hours and the customer service phone line was jammed for over an hour. There was literally nothing I could do for myself and there was no help from the bank. I never received a personal phone call from anyone from Wells Fargo, they literally treated me like I was the scammer.","date_sent_to_company":"2022-02-13T16:16:43.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"553XX","tags":null,"has_narrative":true,"complaint_id":"5216334","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-02-13T16:11:48.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["With totally XXXX trust I <em>transfers</em> the <em>money</em> both {$1800.00} and {$500.00} which I believed was to myself. \n\nThe banker told me he was going to <em>transfer</em> me out of the fraud department to speak with another Wells Fargo banker <em>about</em> canceling my debit card, changing my account password, and ordering new cards. I was out on hold again for a minute. When he returned, he said that there was an extremely high call volume and that he could schedule a call back with a banker."],"product":["<em>Money</em> <em>transfer</em>, virtual currency, or <em>money</em> service"],"sub_product":["Domestic (US) <em>money</em> <em>transfer</em>"]},"sort":[12.293473,"5216334"]},{"_index":"complaint-public-v1","_id":"7416060","_score":12.059403,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I initiated a balance transfer that posted on XX/XX/2023 for an amount of {$16000.00}, with a balance transfer fee of {$490.00}. Mistakenly, I paid off the entire balance of {$17000.00} on XX/XX/XXXX ( I accidentally selected pay in full, instead of pay the minimum ). This resulted in an instant loss of {$490.00}, because the balance transfer was rendered pointless. This was from a USAA account. So USAA bank -> USAA credit card. Within around 60 seconds of noticing this, I called USAA for assistance. This was XX/XX/XXXX or XXXX, I believe. The first person I spoke said that it would be reversible as a \" misapplied payment. '' She said I would see it posted by the end of the week, or XX/XX/XXXX. I ended the phone call feeling a huge sense of relief. \n\nOn XX/XX/XXXX, the payment had not reversed, and I called USAA again, this new person assured me it would be handled, but that it would take 5-10 business days, or until XX/XX/XXXX. XX/XX/XXXX rolls around, and nothing has happened. I call back USAA again, and this time I am told that the payment has been rerouted as a \" dispute '' and that it would take additional time. \n\nOn XX/XX/XXXX, now 12 business days after I was first told was the target for the payment being reversed, I receive a letter saying that they \" determined that the payment posted correctly. '' I am flabbergasted, and again within 60 seconds of receiving it, I am on the phone with USAA, this time I am elevated ( for the first time ) to the Member Resolution Team, the second level of customer support. This person tells me that this was a mistake, and they would resubmit it with a \" high priority '' this time, and that the matter should be resolved within the next 3-5 business days. I again end that phone call with a huge sense of relief, thinking that the matter was solved, it's simply going to take a few days. On XX/XX/XXXX, I receive the exact same letter I received on XX/XX/XXXX. I am again left flabbergasted. I am in almost physical pain with this. \n\nThat begins a flurry of phone calls, with multiple people giving me multiple different answers, including one member of the Member Resolution Team telling me that they previously could have unilaterally reversed this OR refunded the balance transfer fee ( and that I was justified in having this done ), but that this power was recently taken from them and sent one level up the chain. That is when I realized that this whole thing seemed purposeful, and that I was unlikely to receive any money, and that they were going to simply take the {$500.00} and pocket their customer 's money as a gigantic profit on their customer 's mis-click. It was impossible to believe, but there we are. \n\nAfter more phone calls and now XXXX messages, I was told I would be connected with a \" team member in the CEO 's office. '' On XXXX XXXXXX/XX/XXXX, I was told by a customer service rep that I would be called back by him probably XXXX XXXX XXXXXXXX ), but definitely by XXXX XXXX comes, and there's no phone call. Customer service tells me probably XXXX, but definitely middle of the week. Finally, on XXXX XXXXXX/XX/XXXX ( today ), I get in touch with XXXX XXXX. This was a person labeled as an \" advocate. '' He was by far the most condescending person that I talked to -- XXXX % of USAA reps are very friendly and helpful people, even if they give me wrong information -- and he indicated that the {$500.00} fee was irreversible ( translation : the {$500.00} is theirs to take as profit ), because I \" took part in the promotion, and the fee is part of the promotion. '' But that is an obvious untruth, because I definitively DID NOT take part in the promotion! I paid off the funds immediately, there was no 0 % promotion. I also indicated that at this point I should file a complaint with the CFPB, and XXXX strongly discouraged this which caught me off guard. He said it would just wind up on his desk, and he would deny it again. Far from being an advocate, it seemed like his job was to shut me down for good. \n\nI was left jarred and disillusioned by this entire 6-week process, and felt deeply preyed upon and taken advantage of. I am just some regular person who clicked the wrong button, and they took {$500.00} from me because of it, and overpromised and overpromised and overpromised a fix only to be told that they would do nothing, they would keep the money, and that I should not file any complaints about this because it is pointless. Maybe it is pointless. Probably no one will read this or care. But I want some record of this, because it was wrong.","date_sent_to_company":"2023-08-17T22:10:46.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"89121","tags":null,"has_narrative":true,"complaint_id":"7416060","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2023-08-17T21:08:12.000Z","state":"NV","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem with balance transfer"},"highlight":{"complaint_what_happened":["I am just some regular person who clicked the wrong button, and they took {$500.00} from me because of it, and overpromised and overpromised and overpromised a fix only to be told that they would do nothing, they would keep the <em>money</em>, and that I should not file any complaints <em>about</em> this because it is pointless. Maybe it is pointless. Probably no one will read this or care. But I want some record of this, because it was wrong."],"sub_issue":["Problem with balance <em>transfer</em>"]},"sort":[12.059403,"7416060"]},{"_index":"complaint-public-v1","_id":"9056021","_score":11.31784,"_source":{"product":"Checking or savings account","complaint_what_happened":"Ill start by saying that I am on disability and every month on the 3rd I receive a check that is directly deposited into my checking account from XXXX ( Social Security XXXX XXXX ) in the amount of {$XXXX}. This is my only source of income. Ive been banking with XXXX for over 10 years. I am from XXXX but reside in XXXX. Since the move last year, everything has gone down. XX/XX/XXXX was the ignition of this escapade where I stayed at a hotel with my partner with unsecured Wi-Fi and my information was stolen from my computer and destroyed it. Soon after ; odd calls, weird emails, new accounts, and withdrawals from my XXXX account. I realized that I had become a victim of identity theft. Over the course the holiday season last year my account was constantly attack. Around XX/XX/XXXX I reported this to the FBI, Federal Trade Commission, Social Security, and Identiytheft.gov. My account was constantly attacked with charges and transfers, even go as far to gaining access to my mothers credit card accounts that I am joint with. Up in till XXXX, my account would go up and down. Id get my XXXX check in and XXXX or half would automatically offset the overdraft that built up, then it would go in the red again. I had to put in several disputes, some were received, most were chargebacks or XXXX did not favor my side of the dispute even though it was fraud. All the while my XXXX  is constantly being affected by having to spend more money for things I shouldnt have to pay like overdraft fees. In XXXX, as a stop gap measure, I decided to re-route my XXXXI check to a new account that I had opened, XXXX XXXX, to keep it safe. XX/XX/XXXX or so, I made the change with the Social Security XXXX to re-route my check from XXXX to XXXX. In XXXX, I received it in my new account in XXXX. XX/XX/XXXX I was hospitalized for XXXX days. XX/XX/XXXX, I log into my banking app and found out that my XXXX check had been deposited into XXXX. Out of {$XXXX}, only {$XXXX} was left after part of my check went to pay for items that were disputed but charged-back to my account and overdraft fees. I called XXXX and the agent explained to me that they have the right to keep the check and use it to offset the balance owed, and she confirmed with me that they called the Social Security XXXX to have them re-route the check back to XXXX. After the phone call using XXXX I was trying to transfer {$XXXX} to XXXX I had amount left because I paid {$XXXX} for my cell phone bill. The transfer failed, not sure why. This part is peculiar, I went into my XXXX account to try to transfer with XXXX and I had successfully processed a transfer of the {$XXXX} to XXXX from XXXX, stating that it was completed but on hold till the XXXX. Stumped, I tried to log back in to XXXX to check to see if the transfer went through XXXX side but all of a sudden, I couldnt log back into my XXXX account. It came up with an error message, tried multiple times. So I called XXXX back and they stated that the account was locked, they could not speak with me and that I needed to go in a branch to speak about my account. XXXX  XX/XX/XXXX, my partner and I went to the main branch here in town and spoke with a branch XXXX letting us know that the XXXX department had locked the account and noted that I come into a branch to be verified. The lady there was nice and explained to us the status of the account. She verified me. I explained to her what had been going on with the account and what their agents over the phone have been saying. She vehemently denied it was XXXX that had the check re-routed back to them. At one point while reviewing the account the note that she read implored her to make a phone call to fraud to verify that I am at the branch. She spoke with some guy from XXXX, couldnt remember his name and hung up. As the course of the conversation continues, she is making notes on my account as we are talking about the situation the lead up the chaos of the account. I didnt want to have the accounts closed and was worried that they were. I asked her if there is a department to talk to about that other then fraud. She gave me a phone number for a department to help with mitigation of the accounts, I have XXXX XXXX accounts. XXXX opened in XXXX had a - {$XXXX} and the new XXXX account was - {$XXXX}, some disputes were chargebacks, overdraft fees, both accounts where hacked. We even went as much as to come back the next day. XX/XX/XXXX went back to the same branch to add my partner to my second XXXX account. There we sat and spoke with another lady. I chatted with her about the situation, that I was frauded, account was hacked, and I was here yesterday. Again, I asked her how the account is doing, asked her if the account slated to closed, can I still fix it. She said everything looks fine. THE NEXT DAY, XX/XX/XXXX I woke up and log into XXXX and saw that my old account was showing a XXXX balance. I checked XXXX to see if the transfer went through, and no it had not. I called XXXX and they said that they cant talk to me and that I needed to go into a branch. I informed them that I was just there yesterday and the day before. The agent stated that the fraud department noted that I never showed up. In haste I told him that I did fact show up to the branch on that XXXX  he gave me the impression he didnt believe me. He said that I did not go to the bank as I was told to. I told him that is a straight up dam lie! I asked him to connect me to the fraud department and replied he couldnt do that, asked why, he stated there isnt a phone for the fraud department. I then asked for a supervisor, and he replied that they are not allowed to talk to me about the account and that I need to go the branch like I was told to. I was upset and he mentioned I would like him to file a report and I said yes. The conversation tapered off there and we eventually hung up. ( How could I have not been there at the branch when it shows that I withdrew {$XXXX} on XXXX XX/XX/XXXX? XXXX you see that withdraw in the system being done at that branch? ) He got quiet and said to me that he is not allowed to talk to me about it. He then said that he would finish the report and said goodbye. He hung up on me. Serval days pass still with no money in XXXX, almost XXXX weeks of not having any money for food and bills. I still have no access to XXXX, they keep telling me to go the branch and I keep telling them that I already have. I call XXXX on a daily basis asking them about the hold. XXXX said the hold was there because they are still waiting for XXXX to release those funds for the transfer. I am afraid now that XXXX is holding the transfer till I get my XXXX  check next month to offset the second account or wait till the XXXX when the transfer either has to clear and be sent back. That XXXX will wait till then to request the transfer back to use the {$XXXX} to offset that balance. This is illegal. That would mean they have used more the 75 % of my XXXX check for offsetting. From what I know is that they can only use XXXX of the check or have to leave XXXX of it left but not nearly all of it. I believe that XXXX is behind the rerouting of my XXXX  check, effectively putting my money on a constant merry-go-round of endless doubt, where will it be this month or will I have access to it or lock it. They locked my account XXXX times since XXXX, and its been when my benefits check is to be deposited. They are causing confusion, duress, pain and suffering to a point where Ive developed panic attacks and XXXX outs. I have become nonfunctional in the sense I am and who I am supposed to be towards my family and friends. I dont enjoy life anymore. Why should I? They chose not to help me in a time of crisis when I first arrived here in XXXX, staying at a hotel of horrors for XXXX months with my partner invested with roaches and bed bugs. Resulting in bites all over my partners feet and a horrible fall. Where I feel victim to identity theft that started this entire mess. Their so-called code of ethics failed me in my disputes to recover the funds for services not rendered. Quite the opposite, their brochure should read $ XXXX visits are free. I was being defrauded and explained to them the situation, I emailed the only pictures I had saved before my XXXX computer and my XXXX were destroyed by the cyber-attack. Disputing {$XXXX} charged on XX/XX/XXXX, {$XXXX} on XX/XX/XXXX, {$XXXX} on XX/XX/XXXX denied, denied, denied. A wench has better luck winning a game on a monopoly board with its XXXX corners than me getting any help. They didnt help me with a case where I was bamboozled by XXXX for {$XXXX} charged XX/XX/XXXX and {$XXXX} on XX/XX/XXXX in a case where an illegal lease was involved for a new place. With nothing left to find another place, I am forced to sleep in my partners RV. XXXX has ruined my life, I feel my health has worsened migraines and still recovering from being septic from the hotel. With their constant attack on my funds to show their arsenal of punishments by locking my card, freezing my account, or holding my check as long as legally possible only to describe loosely as their common business practice with their clients. This chicanery just shows their disdain for me that I am disabled or not rich to have any impact to their bottom line for their intended growth. Their noses long as stretchers cover the high class but not the mass. They dont care if they destroy a disabled persons life, and they dont care if that person is then tossed to the streets as long as they get to satisfy their own selfish greed but yet keep that faade. They pretend to stand high behind their morality and good faith in their business. They skirt the word of XXXX twisting their XXXX values to suit their duplicitous nature, all the while hiding behind a veil of their false ideology. They do not give a thought to me or anyone as they nyxlings feed off the shadows of us in lusts evil by temptations perpetuated by the XXXX and those minions of which they represent. I must repudiate this notion of acceptance of such injustice and call for Humanitarian Consideration. Agencies like the XXXX XXXX XXXX XXXX, I implore your office to consider the living conditions of myself in determining the wrong that has been done. To see me as a person. I plea that your office recognizes my living in such drapid circumstances, I require assistance for basic sense, they left me with nothing. I have no savings, I do not have any money left out. I have been without my XXXX check for a month now, I have no money to survive.","date_sent_to_company":"2024-05-20T23:32:13.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"729XX","tags":"Servicemember","has_narrative":true,"complaint_id":"9056021","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ARVEST BANK GROUP, INC.","date_received":"2024-05-20T23:16:08.000Z","state":"AR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I believe that XXXX is behind the rerouting of my XXXX  check, effectively putting my <em>money</em> on a constant merry-go-round of endless doubt, where will it be this month or will I have access to it or lock it. They locked my account XXXX times since XXXX, and its been when my benefits check is to be deposited. They are causing confusion, duress, <em>pain</em> and suffering to a <em>point</em> where Ive developed panic attacks and XXXX outs."]},"sort":[11.31784,"9056021"]},{"_index":"complaint-public-v1","_id":"5322137","_score":10.913126,"_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":["So now by a legitimate business and without any other body out nobody else to help me nobody else to give me <em>money</em> 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 <em>pain</em> from having not having access to my friends."],"sub_issue":["Problem using the card to withdraw <em>money</em> from an ATM"]},"sort":[10.913126,"5322137"]},{"_index":"complaint-public-v1","_id":"2325521","_score":10.837313,"_source":{"product":"Mortgage","complaint_what_happened":"Good evening, My name is XXXX XXXX and my mortgage is with Nationstar Mortgage. My home flooded in XXXX of XXXX. Your company 's Loss Drafts Dept. has been very difficult to deal with and I have consulted with an attorney to file a lawsuit for my remaining funds as well as pain and suffering due to the financial strain of being displaced and the extreme difficulty I 've had with your company. I was given money from XXXX for my contents coverage in which I used to start the rebuilding process of my home to move everything along so my family and I could return home. I was told to send all paid receipts for reimbursement and I did so. It took a month or so before I was reimbursed, but I was reimbursed and I used those funds to continue putting work into my home. I have increased the value of my home. Being that I increased the value of my home, the loss draft department is stating that they have overpaid me and the receipts I submitted does not add up to what was reimbursed which they should. Someone is not adding properly because before now everything was adding up. \n\nI had a XXXX inspection about a week and half from the date of the email in which the results stated that I needed to repair the garage, purchase closet doors for XXXX bedroom, and purchase appliances. I spoke with at least XXXX representatives as well as XXXX or XXXX supervisors explaining to them that I did not have the funds to purchase those items to finish the structural repairs. I was then told to submit invoices for the cost of the above list and they will send the funds for me to make the purchases. I borrowed the money from a family member and made the purchases to complete the repairs and submitted the receipts. The first XXXX representatives told me the reimbursement was denied because I 've been overpaid. I asked how would they send me funds to purchase the items if they are denying the reimbursement that I am requesting to pay my family member back of {$3000.00}? After speaking with multiple representatives, I was then transferred to a manager by the name of XXXX XXXX whom then told me that they would have made the check out to the store ( XXXX XXXX ) I was making the purchases from and myself to purchase what I needed which makes no sense if I had to go to multiple stores due to materials being out of stock. What if I had to go to XXXX? Who gives an invoice for sheetrock, sheetrock mud, paint, etc. That does n't make any sense. Some receipts I did not submit from having to purchase additional materials once the job started and more materials were needed because they continue to deny the request, but still asking for the receipts. I also had my garage door installed on XXXX/XXXX/XXXX and I was told to submit an invoice signed by the person installing the garage door with the companies ' letterhead when I spoke with the representative on last week. Today, XXXX tells me that he ca n't accept that invoice because my signature was n't on it and no XXXX for the company. Why is that needed for a garage door? This information was not told to me by the last representative and this is the most frustrating part. The employees for this company are not knowledgeable at all. They give misleading and incorrect information and this has been a problem throughout the entire process. I 've been told that receipts I submitted for the month of XXXX were not approved because it was prior to the date of the claim in XXXX which shows they do n't know the months of the year. I 've had to go through receipts and add everything with representatives on the phone for hours because they ca n't seem to do simple math and this is utterly ridiculous. \n\nI 'm at the point now of continuing the process with my attorney to file a lawsuit with XXXX","date_sent_to_company":"2017-02-02T22:36:11.000Z","issue":"Settlement process and costs","sub_product":"FHA mortgage","zip_code":"708XX","tags":null,"has_narrative":true,"complaint_id":"2325521","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NATIONSTAR MORTGAGE LLC","date_received":"2017-02-02T22:36:11.000Z","state":"LA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I 'm at the <em>point</em> now of continuing the process with my attorney to file a lawsuit with XXXX"]},"sort":[10.837313,"2325521"]},{"_index":"complaint-public-v1","_id":"5946970","_score":10.699283,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I opened a XXXX XXXX  checking account with Chase in 2020 XXXX XXXX XXXX XXXX XXXX. The XXXX was created a year later, and unfortunately, I didnt add the XXXX name to my chase account which is my mistake Around XX/XX/XXXX, I had deposited a check for the amount of {$8200.00} from my customer into my Chase Account, the check was issued to the XXXX XXXX My startup was running low on cash and I needed money for expenses and was in a hurry as we were going on vacation XXXX XXXX  XXXX. \n\nThe check was accepted, and a few days later I got an email saying the check cleared and money is available in my account. \n\nAfter the check cleared, I initiated a transfer of some the money to my other business account, and few days later I find the ACH transfer was returned. I was not sure what happened and the other company suggested I add their account into to my Chase.com account. But since I needed the money soon, I decided to transfer money from Chase.com to my other account, as part of verification Chase.com initiated some micro deposits. After I received the micro deposits in my other account, I logged into my chase.com account to verify those transactions and could no longer find my business account ( around XX/XX/XXXX ). \n\nAfter taking to 3 customer representatives, I found that my account, which was a surprise for me, after asking more questions, I finally found it was closed by Chase. In between the time my check was deposited and account closure, I logged into my chase account, and I never saw any notification about issues ( My First Complaint ). It took a long time and many questions to get answers from the Chase customer representative. It appears almost all Chase customer representatives just give the basic info and are unwilling to find out what is going on. Some of them are outright rule and asking questions like Im some sort of criminal depositing a fraudulent check. It felt like the interrogations you see in XXXX XXXX  XXXX and these people have no respect for you. \n\nFinally one of the representatives asked me to go to the bank with my Incorporation documents to verify I own the business, so I went to the bank, and at the bank I was told, the check was mailed to me with the remaining balance of about {$12000.00} and they didnt need any documents from me. \n\nI waited for a week but the check never arrived and I booked an appointment with a person at a back for XX/XX/XXXX. On the XXXX I get a call from the person who Im supposed to see that there was no need for me to come as the check was mailed. I told her that is not ONE of the representatives told me, so she called the risk department and found that I needed to submit the document, and she told me that the never entered the information that they were waiting for the document. \n\nSo I went to the bank to provide the document. The person at the bank says they emailed everything, and I had to wait until I received my check. I also threatened with a legal complain at which point I got to see a branch manager who filed a complaint on my behalf with their branch complaint department. \n\nOn about XXXX, XX/XX/XXXX I get a call from branch complaint department saying they would get back to me in 1 5 business days. I dont hear from them for a week and on Thursday XX/XX/XXXX I get a call from the same person saying they never heard anything from the department and asked me to wait another 1 5 business days. I asked to escalate the issue or talk to their supervisor and she said she was the final authority and I could not do anything but wait. \n\nI didnt hear from them, so on Wednesday XX/XX/XXXX, I decided to send the branch officer and manager an email. They dont respond and I got a call on Thursday which unfortunately went to my voice mail, which I promptly returned. Im not sure if the call was due to my email to the branch officer or manager, because they never bothered to send me a reply with next steps. \n\nOn Friday XX/XX/XXXX, I emailed the branch officer and manager, and called the branch multiple times but could not reach anyone as they were always busy. Anyways later in the morning I get a call from the manger saying they spent two hours trying to fix the issue ( as if they were doing me a favor, which I believe is their job and not a favor they are doing me ). And they assured me a check for about {$12000.00} was mailed on XX/XX/XXXX ( contrary to want her branch officer said ) and said it must have been lost. I asked for when this issue would be resolved, and their answer was to wait. I told them Ive been waiting for about a month for my money and it is 3 weeks after I submitted the document, and the branch manager started turning this around me as if it was my fault, when I started asking questions about what is going on and hung up on me and threatened me to not call or they would report me for harassment. I admit I was very angry and raised my voice, but you must understand by this time, all I would get from chase is different answers from different people at different times and no resolution in sight. \n\nOn Friday XX/XX/XXXX afternoon, I get a call from another person from branch complaint department saying the first person who promised to return my call in 1-5 business days was on vacation and they were taking over the case. \n\nThey informed me that the check was not mailed, which contradicts what the manager told me in the morning and said they would mail it if I submit documents that said I owned the DBA in question. I told them that I submitted all the requested document on XX/XX/XXXX and they were surprised to hear that. \n\nI emailed the branch saying they never received the document, and I get no response, I tried calling them and the person said they were with a client and hung up ( which I dont believe is true, because when they are with a client they usually dont answer ) This ordeal has caused me a lot of pain, and additional costs as my company is out of funds. I was supposed to go on a technical conference and purchase hotel stays at discounted rate offered by the conference and couldnt do it in time due to lack of funds and now the hotel prices have doubled. Each week Im scrambling to find funds to pay for my expenses due to chase holding my money. \n\nI agree, the XXXX was not on my account, but I've been to the branch twice with the requested document 3.5 weeks earlier and they've lost my sensitive personal information which in the wrong hands can cause damages to me and my company. \n\nHow can one of the largest banks in the country be so negligent with sensitive personal information and withhold funds indefinitely even when all requested documents are provided 3 weeks prior and still claim they have not received it. \n\nHow are people who claim to be the highest authority in the bank on customer service not know that I've provided all the requested information and talk as if its my first time calling them about this issue. \n\nHow does this bank let me login to their website and conduct business when there is a fraud alert and not have any kind of notification to inform you of these issues. Instead they just disappear your account one morning. \n\nWhy are all the customer service representatives in this bank so rude and instead of answering the question turn the issue around and make it seem like I'm at fault for their inefficiencies. \n\nWhy is the sole customer service person who identified the issue doing this as a favor to me. Looks like Chase has set a very low standard for customer service. \n\nThey ask me to do the samething again and again and expect a different result? Why is this allowed while I'm stressed and anxious on how I'm going to meet my expenses- and this is my money they are holding.","date_sent_to_company":"2022-09-03T16:17:31.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"5946970","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-09-03T15:25:02.000Z","state":"TX","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["The check was accepted, and a few days later I got an email saying the check cleared and <em>money</em> is available in my account. \n\nAfter the check cleared, I initiated a <em>transfer</em> of some the <em>money</em> to my other business account, and few days later I find the ACH <em>transfer</em> was returned. I was not sure what happened and the other company suggested I add their account into to my Chase.com account."]},"sort":[10.699283,"5946970"]},{"_index":"complaint-public-v1","_id":"8417067","_score":10.616316,"_source":{"product":"Prepaid card","complaint_what_happened":"Back in XXXX of XXXX I contacted Bank of America let them know I was moving and to please not to send my check of {$7000.00} from the remaining balance of my closing Prepaid unemployment money card please not send the check to my old address I'm moving to a new place and I'll give them that information as soon as I get there I live in an RV so it's changing RV parks. They sent the check there anyways so I had to wait for it to go there get sent back then finally they receive it back this took months finally in XXXX of XXXX I received an email saying I needed to update my address with them so they could send the check out to me so I did that called the number on the email they sent me updated my address they told me it would be up to 40 days that's how long it normally takes for a closed account to get a check I asked him if they could expedite it please since I've been waiting since XXXX now for this check that I told you guys not to send to the wrong address but you did anyways they said they couldn't expedite it I said OK just please help me get it as soon as possible it's XXXX XXXX here not just a couple XXXX bucks they understood the dire need for the funds I called on the end of XXXX which had given them 30 days now I still hadn't received the check I didn't have my cell phone on me at the time the one that was registered with them to get their 2 step verification code so I couldn't pass their verification I was at work at the time in the mine fields so on that day the XXXX of XXXX the Lady Red flagged me which XXXX XXXX  my account completely I literally after conversation multiple times with different supervisors and complaining about that lady I ended up having to fly back to XXXX  go into a Bank of America branch show two forms of ID to get those red flags removed off the account this is after multiple phone calls of talking to multiple people and trying to get around having to fly back to XXXX  anyhow XXXX now I went in with two forms of ID gave them my updated address again and asked them to please expedite the check if they could since it's been now three or four more months they said they couldn't expedite it whatever I told them I also had to fax over documents a piece of mail that I had received at my address to prove to them I did in fact lived here because my ID has my old address on it currently because it doesn't expire until XXXX so I didn't get a new ID with my new address on it because I just had moved here anyhow I sent them via email/fax A couple pieces of mail my old address and my ID and new address documents at least 5 or 6 times just to make sure they got it because I never heard back from them if they received them or not so now it's XXXX I've been told from four different people in the NSS department of Bank of America and card services that they personally would make sure my check got sent out and got here as soon as possible I still haven't received that check I've lost my storage unit with all my belongings I just got my 10 day notice 10 days ago to move out of my house XXXX was terrible XXXX XXXX XXXX was a joke this has cost me everything last week XXXX  someone from the NSS Department or check services the head supervisor there told me that he apologized they sent the check to my address but didn't get the lot number correct so he canceled that check and sent me a new one this is the 5th or 6th time I've heard the same silly story I don't understand what the problem is at one point I had a supervisor tell me if I had a Bank of America account I could just transfer the funds into that I told her I didn't have one my girlfriend did and then she backpedaled and said oh no we can't do that why can't they just transfer the money to one of my other accounts any other account that I have I need my money I've lost everything in this is my last ditch effort to try and get someone to do what they're supposed to do and send me the remainder balance of my checking account funds if the account is closed up to 40 days is their policy it's been way longer than that I'm not asking for anything special I just want what's rightfully mine if they want to give me some extra on top of it for the pain and suffering that it's caused me that would be great but I can't count on them giving me the money they owe me I surely aren't gon na count on them doing anything extra please help me thank you","date_sent_to_company":"2024-02-26T02:24:13.000Z","issue":"Problem getting a card or closing an account","sub_product":"Government benefit card","zip_code":"85015","tags":"Servicemember","has_narrative":true,"complaint_id":"8417067","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-02-26T01:29:52.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trouble closing card"},"highlight":{"complaint_what_happened":["I had a supervisor tell me if I had a Bank of America account I could just <em>transfer</em> the funds into that I told her I didn't have one my girlfriend did and then she backpedaled and said oh no we can't do that why can't they just <em>transfer</em> the <em>money</em> to one of my other accounts any other account that I have I need my <em>money</em> I've lost everything in this is my last ditch effort to try and get someone to do what they're supposed to do and send me the remainder balance of my checking account funds if the"]},"sort":[10.616316,"8417067"]},{"_index":"complaint-public-v1","_id":"16064216","_score":10.585064,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXXI open a account with PayPal about 3 years ago the same transactions an activities occur on this account just a month ago one consumer double charged my account i cancel the transaction because I was charged twice from the same company reported it PayPal they credit my account back then another incident happened where as though I didn't want XXXX  services no more so I reported to PayPal I was to cancel a upcoming payment from them I have a screenshot of the conversation with PayPal chat representative that says I cancel/ block upcoming payment from XXXX  so whenever the payment was due PayPal still allowed this payment to be withdrawn out my  checking account it contacted them to inform them thst payment wasn't supose to taken out because 4days before the payment was due I spoke to a PayPal representative who assured me that payment would be block well XXXX  charged a payment plus additional fees i complain about it PayPal credited my account dollars an sum cents & told me they couldn't credit the other portion of XXXX  money that was taken from my checking account & after viewing my complaint they said did i have any additional proof before they closed thst claim i never responded because the screenshot is showed them about the conversation with their representative they basically over looked it trying to put blame on me then out of nowhere they then put permanent limitations on the account & want release my savings funds of XXXX I contacted the PayPal representative 3 times about i just wanted my savings money i don't want their business one representative assured me she let another set of eyes look at this account & solved this matter i waited 1wk as she told me but noone got in touch with me then I call them again complaining about the situation why my money was being helded they tried saying I violated the PayPal rules and regulations I said how all i did was put in a claim against the merchant for withdrawal of funds from my account after me reporting to them  before this merchant took a payment from my checking account well I then put in a complaint to PayPal customer service didn't get the proper answer so I filed a complaint with the XXXX  their response was basically on paypal side trying to say they was a advocate about the matter & she was a PayPal advocate from paypal so I then put in another complaint against her decision with her an she still refuses to release my savings account money saying I violated i had negative balances & fraudulent transactions which is a lie never happened i exchange words with this person telling her shes a liar who's trying to defend paypal due to their negligence an fraudulent lies trying to protect them with putting false information on me & all i wanted was my funds from my savings account she says nothing has changed with the decision made so I contacted this service so I can just get my savings funds from paypal they saying I have to wait until nxt yr for them to release my savings funds its XXXX 2025 & this happened in XXXX  2025 its against the law for paypal to hold savings account money due to me when they have permanent limitations terminated my account due to no fault of mines but they trying to say I violated their policy because I defended myself after I put in a claim not even XXXX  $ an reported a claim of XXXX  which was supose to be blocked from XXXX  not withdrawing out my account i had a checking an savings account with them  I transfer the balance of checking account to savings account thinking I can withdraw all the savings account to my new account through XXXX  but paypal had it where I was blocked an  couldn't do it after the  fact when XXXX  2025 came my automatic payments was due on this paypal account I had to reroute all automatic payments to my XXXX  new account & zip payment was due I had that payment paid through another account so thats why they are saying my account had negative balances which is a lie the same day that zip payment was paid just not through then an i have proof of thst payment the same day from another account i have not had any other automatic payment due to this paypal account because I had to reroute all my automatic payments to a new account through XXXX  this is distress and caused me a lot of tension & pain an suffering paypal just figured they can just do customers any kind of way just because they are a big company & file false information on their customers pointing them as the bad person using their policy as a cover up that the customer violated or broke company policy all so to make them true an customer a liar i have proof it tried to solve this matter I just want my savings account money if u put a permanent hold on my money release my funds while hold them for 6months saying that they have to hold them due to merchant claims which i have no business account these ate all transactions that was on the account & if there was a problem before I put in a claim which didn't they give me a warning I was doing something wrong on the account all transactions are legit and none fraudulent transactions they trying to say they are fraudulent which is a lie anymore can view my account & transactions & see all transactions was legit & sum of the representative said paypal was putting a permanent limitations terminated on the account because it was a business lies lies lies the only transactions on that account was every month automatic payments of my bills sending money to friends/family & basics transactions of food etc.. none of those transactions dealing with business & my XXXX  deposit each month & i was never notify until I put in that claim only i just want justice & I have been through enough with PayPal just release my funds instead of holding my funds due to me\"","date_sent_to_company":"2025-09-19T08:29:19.000Z","issue":"Closing an account","sub_product":"Savings account","zip_code":"27260","tags":null,"has_narrative":true,"complaint_id":"16064216","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-09-19T07:14:15.000Z","state":"NC","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":["an suffering paypal just figured they can just do customers any kind of way just because they are a big company & file false information on their customers <em>pointing</em> them as the bad person using their policy as a cover up that the customer violated or broke company policy all so to make them true an customer a liar i have proof it tried to solve this matter I just want my savings account <em>money</em> if u put a permanent hold on my <em>money</em> release my funds while hold them for 6months saying that they have"]},"sort":[10.585064,"16064216"]},{"_index":"complaint-public-v1","_id":"7286871","_score":10.38294,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I purchased a \" serve '' card from American Express. It was purchased on XX/XX/XXXX. I had temp card for one day then card was lost or stolen..I had already registered for a permanent card, so expected it to come at any time. It never came. It's a basic prepaid debit card, or I thought it I started trying to find out what the problem was about a week later. \nI started calling and have placed calls on the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX calls XXXX XX/XX/XXXX XXXX calls XX/XX/XXXX XXXX calls XX/XX/XXXX XXXX calls The dates with multiple calls are for various reasons. Usually I get hung up on because people can't hear me or don't want to be bothered with the work. I can't get agents to give me a name or location so I can follow up on this problem so I have to start from scratch each call. \n\nIt's very difficult for me to make phone calls..I XXXX XXXX XXXX XXXX  and can only whisper. So it's very difficult for others to hear me. I use messaging whenever possible to enable a more comfortable interaction for both parties. In my many many ssnd no means for this type of communication. I had many instances where I was hung up on. When I could, I tried to let someone else do the talking for me. But it's very difficult to have someone else explain a complex situation to someone who isn't interested in helping and doesn't want to do ANY work to resolve the situation. \n\nI called to report the temporary card missing, and to order a permanent card. It took HOURS before i could actually get a real person. \n\nI told her I'd registered the temporary card and it had been lost..I ordered another permanent personalized card. 2 weeks had gone by and I still didn't have any card to use. I explained I was in dire need of these funds. I had serious problems that required i have this money to enable me to take care of our car having been towed, following its breaking down 50 miles from home.\n\nI was told there was NOTHING she could do. She said I could order a new card and that would take 5 or more days to arrive.\n\nI asked about the virtual card their website mentions that is given to new customers so that they can use the funds on the acct. I was told that was not an option for my account. There was nothing I could do no matter how dire my circumstances. So now my cars tow storage fees would be totally out of any range which might be affordable and enable me to get it out. I've lost my car now. Plus have a {$500.00} abandoned car fee assessed on my license.\n\nI told her i must.have my money. Couldn't a supervisor offer some solution? Supervisor only told me there was nothing they could do, no matter what. No options other than to order another card and wait another 5 days to one week for arrival of card. \n\nSo I ordered a replacement card My husband and i are XXXX, low income XXXXwe need our money. \n\nOur car got towed and could not retrieve it because we didn't have funds to get it following its being towed. \n\nAnother week went by and we still didn't get the personalized card which they say has been issued. \n\nEach time I call, I have to provide various personal information. Part of this is my physical address. This is also my mailing address. Each time I'm allowed to discuss acct because I have all correct information. \n\nI told them this time that I NEED access to my money. I now have no car, no money, no transportation and am 10 miles away from where I can buy even a bottle of water, make a phone call, buy food, anything. \n\nEach person I talk to when I express the dire need of my funds, just tells me there is nothing that can be done. \" im sorry '', seems to be their standard response to anything, then to tell you there is nothing they can do. I wonder whats the point of having customer service staff and supervisors when all they can do is tell you they're sorry butbyou can't have your money. There's nothing they can do to get it to you a resolution. \n\nI read on line that money could be sent to XXXX from these accounts in emergency situation. So i called about that..i was told because i never got the card, they were \" sorry but nothing they could do. I hadnt received the card, so I couldn't have the money sent to XXXX. Didn't matter if I had adequate documents showing it was me. Answer was no, im sorry. I didn't qualify for this service. I had to order card again and wait. So I did. \n\nCard never came so I called again. \n\nDuring this point in time. We'd had to go stay in a hotel for a couple of days. It's been 118 - 122 in the XXXX area. My home is about 50 miles away at a higher elevation, but it still has Bern 108 - 110. I live in an older mobile home, because we could purchase it outright, to keep things affordable since my husband and I are both XXXXXXXX XXXX XXXX. But we did not realize when we bought it, that the air conditioner and heating systems had been removed. I have a serious XXXX XXXX and he has many health issues which cause him pain and XXXX XXXX XXXX That's why we were staying in a hotel for a few days. \n\nI had enough to stay at hotel two nights. I had anticipated arrival of card on the day we left, and it was not in the mail. \n\nIt was about a week later, after no card came in the mail, I needed MY money. \n\nThe heat in our house was unbearable. About 110 to 120 inside old, poorly insulated mobile home. \n\nI needed another COUPLE of days at hotel, to give time for heat wave to pass. \n\nI called and explained situation. We had had stay at a hotel, our air conditioning wasn't functioning. It seemed to impossible to find any solution. I was told she was sorry but could do nothing. \n\nI worked all day to find a solution. All the serve company could offer is \" I'm sorry, there's nothing we can do ''. \n\nWe had to leave hotel, on foot because we hadn't been able to get our car out, in 118 weather. \n\nYesterday I called again after we got home. I thought perhaps this time the card would have arrived, but it had not. The response to my damemand that a way be found, to get my money to me, was that she was \" sorry but nothing WE could do ''. \n\nI explained that there MUST be a way to get MY MONEY. It was NOT believable that if a person was never able to use a debit card, thry were doomed to lose their money. I asked could she not overnight a card like one of the reps offered the day before when I called... I was told no.\n\nI asked for supervisor who told me there was nothing they could do. She asked me, did I want acct closed and a check mailed. I couldnt believe that response. I said if I did that, the check would never arrive, then I'd call and be told there was nothing they could do, and then id lose the money. It would be lost for good.\n\nI asked WHY every other company I deal with can manage to get my bills and correspondence to me. She didn't know. I pushed the issue and then she told me they'd had address wrong. I asked WHY, in about 20 calls which required I verbally provide my address, had nobody mentioned this. She didn't know. She said my address had not been verified so I have to send in proof that I get my mail at this address.\n\nIf I do that, another 2 weeks will go by. Then I'll be told it was not received and I have to do it again. I asked if I could email or upload documents to save time as it was an emergency situation and my circumstances were becoming more and more grim. \n\nShe said no, there was nothing she could do. I could only send mail. \n\nAt this point I have made about 20 +- calls. I can not get out of my home, my car is gone. I had to walk around taking busses in 120 weather because they refused to find a way to allow me to access my account. \n\nI need food and other items now and can't access the card. \n\nThey could offer a virtual card, they do that for some, they offer offer XXXX money transfers or could send money to my cash app, but they will do none for my account. \n\nThey have cost me my car. Prevented me from being safe, my well being has been comprimised because i had been unable to pay for hotel and forced to be outside walking to busses waiting for busses, it prevented me from being able to Stat at the hotel we were staying while waiting for this weather to subside. \n\nI called again and get the same response. \n\nI found, in a spam folder, this morning a message saying that they're unable to approve a \" serve card ''. Now, that was dared XX/XX/XXXX. Why has my money not been sent to me. Why hasn't anyone told me this? I am in a situation where {$200.00} makes a dumifference. It has cost me hundreds of dollars in losses, cost me in regards to my health and well being. \n\nI can get nothing other than people telling me there is nothing thry can do. \n\nI've mailed proof of my address being a valid functioning address, but I doubt this will improbmve the situation. \n\nI need my money now.. \n\nWhat can I do? \n\nThank you, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AZ XXXX","date_sent_to_company":"2023-08-28T00:41:34.000Z","issue":"Problem getting a card or closing an account","sub_product":"General-purpose prepaid card","zip_code":"855XX","tags":"Older American","has_narrative":true,"complaint_id":"7286871","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2023-07-21T17:28:04.000Z","state":"AZ","company_public_response":null,"sub_issue":"Trouble getting, activating, or registering a card"},"highlight":{"complaint_what_happened":["At this <em>point</em> I have made <em>about</em> 20 +- calls. I can not get out of my home, my car is gone. I had to walk around taking busses in 120 weather because they refused to find a way to allow me to access my account. \n\nI need food and other items now and can't access the card. \n\nThey could offer a virtual card, they do that for some, they offer offer XXXX <em>money</em> <em>transfers</em> or could send <em>money</em> to my cash app, but they will do none for my account. \n\nThey have cost me my car."]},"sort":[10.38294,"7286871"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":58,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":58}]}},"product":{"doc_count":58,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":16,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":13},{"key":"Savings account","doc_count":2},{"key":"Other banking product or 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