{"took":56,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":121,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"1709218","_score":15.492064,"_source":{"product":"Credit card","complaint_what_happened":"I am writing this complaint in reference to a charge on my AAdvantage Citibank Visa Credit Card account, which I am disputing. At some point in XXXX 2015, my account was victim of fraudulent charges, after which I had to be issued a new card. Upon discovering one the charges ( by XXXX XXXX ), I immediately called the merchant to inform them of that charge ( Ref # XXXX, {$2500.00} ). I also contacted Citibank regarding the fraudulent charge. Citibank promised to investigate the matter but did not readily credit the disputed amount. Given the exorbitant amount of the charge and the fact that I was unsure if the money would be credited back by Citibank, I tried to resolve the matter with the merchant, which took a lot of time and effort. The merchant eventually agreed to issue a courtesy credit of {$300.00} for the pain and suffering that the fraudulent charge had caused me, as well as the amount of time I had spent trying to resolve the issue. Eventually, Citibank also issued a credit on my account for the original amount of the fraudulent charge. On XXXX/XXXX/15, the abovementioned credit of {$300.00} was posted to my account. However, the credit was later reversed on or about XXXX/XXXX/15. When I called Citibank to inquire about why this credit had been reversed, I was informed that the credit had been reversed because I had been given a double credit for the same charge. \nI dispute the fact that I was given a double credit for the same charge. The credit of {$300.00} was specifically issued by the merchant on a voluntary basis, and as a courtesy to compensate me for pain and suffering due to the fraudulent charge and the time spent to try and resolve the issue, while the credit issued by Citibank was for the charge itself. I believe this credit of {$300.00} should either be put back on my account or returned to the merchant, and in no way should be kept by Citibank, as it was specifically issued to me by the merchant and for the specific reasons mentioned above. It would be unlawful for Citibank to intercept and \" pocket '' this credit.","date_sent_to_company":"2015-12-23T15:35:40.000Z","issue":"Billing disputes","sub_product":null,"zip_code":"756XX","tags":null,"has_narrative":true,"complaint_id":"1709218","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2015-12-20T03:27:54.000Z","state":"TX","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I am writing this <em>complaint</em> in reference to a charge on my AAdvantage Citibank Visa Credit Card <em>account</em>, which I am disputing. At some <em>point</em> in XXXX 2015, my <em>account</em> was victim of fraudulent charges, after which I had to be issued a new card. Upon discovering one the charges ( by XXXX XXXX ), I immediately called the merchant to inform them of that charge ( Ref # XXXX, {$2500.00} ). I also contacted Citibank regarding the fraudulent charge."]},"sort":[15.492064,"1709218"]},{"_index":"complaint-public-v1","_id":"2855193","_score":14.206015,"_source":{"product":"Checking or savings account","complaint_what_happened":"To Whom It May Concern, Webster Banks latest reply to my complaint is totally insufficient, and full of lies. \n\nI can state, with absolute full 100 % certainty, that I was granted an overdraft refund by a Webster bank call center representative for the reason that \" this never would have happened if our online banking was accurate. '' Webster bank claims this conversation never happened. It did. \n\nWebster bank claims this this will be the final time we discuss this issue. But, we will continue to discuss this issue until it is resolved. \n\nWebster bank has previously admitted to their online banking being inaccurate, and that they should refund any fees that result from these inaccuracies. This was on the record at one point, who knows what they did with it now. But it was, a 100 % fact, in that phone call from 2017. If this was not true, webster bank would have no issue sharing these phone calls. But they refuse to share the phone call, there is only one possible explanation for this, because they know the truth. If there was nothing to hide, they would have no problem sharing these phone calls. \n\nI want to advise Webster bank at this point that they absolutely will not dictate when this discussion is over, and this discussion will continue until I am compensated. If it is not resolved with this complaint, I will continue to escalate this issue outside of the CFPB, and am open to looking into legal action to get compensated for my wasted time and distress. I will also seek whatever penalties possible to get Webster bank punished for lying on a report to a federal agency. \n\nThis issue is very straight forward. Webster bank is on the record stating that their online banking is inaccurate and that they would refund fees because of these issues. I have accumulated many fees since then that have not been compensated. They must be compensated, in full, immediately. \n\nIf there is nothing to hide in the phone call, and I am making all this up, then share the phone call, and prove me wrong. \n\nIf you think I have been a pain in the XXXX so far, keep pushing me, and see what happens. I will continue until this is resolved through every agency and means possible. I may be a pain in the XXXX, but at least I'm not a liar. I am not opposed to contacting the state banking commission, the federal banking commission, the attorney general, the news, or whoever else is needed, for as long as it takes, to get this resolved. \n\nWebster bank suggested I should close the account, which will happen as soon as I am compensated. The account is only open now so they have somewhere to deposit the money when this issue is resolved. As soon as that happens I will withdrawal the money and close the account. And I demand to be compensated in full, I will not entertain any settlement offers. \n\nJust do the right thing, stop lying, stop being greedy, stick to your word, and compensate me for fees that were only given because of your terrible online banking. Perhaps you should listen to the phone calls again, listen to different phone calls until you see what I am talking about..or, the simplest solution, just stop lying, and do the right thing. \n\nI would also like a formal written apology on company letterhead, acknowledging how you have lied and apologizing for wasting so much of my time. This could have been resolved months ago if you were just honest.","date_sent_to_company":"2018-03-26T23:01:45.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"067XX","tags":null,"has_narrative":true,"complaint_id":"2855193","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WEBSTER BANK, NATIONAL ASSOCIATION","date_received":"2018-03-26T22:37:57.000Z","state":"CT","company_public_response":null,"sub_issue":"Fee problem"},"highlight":{"complaint_what_happened":["Webster bank suggested I should close the <em>account</em>, which will happen as soon as I am compensated. The <em>account</em> is only open now so they have somewhere to deposit the money when this issue is resolved. As soon as that happens I will withdrawal the money and close the <em>account</em>. And I demand to be compensated in full, I will not entertain any settlement offers."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[14.206015,"2855193"]},{"_index":"complaint-public-v1","_id":"4154086","_score":13.731563,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Submitting my Complaint AGAIN and WILL CONTINUE to do so EVERY DAY until SOMEONE LOOKS at the documents and these two companies are REMOVED from my report or at the VERY least, reported CORRECTLY!!! \nDue to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX, I lost my business, my retirement, everything I had. The judge declared by case to be a hardship case and ruled that even the student loan to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, at one point they had reported the account to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. \n2 years later, they decide to pass it off AFTER DISCHARGED BANKRUPTCY to a XXXX  for \" collection '', which is totally ILLEGAL! Now, both XXXX AND XXXX are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! It is bad enough that my credit report is showing a bankruptcy that hurts me, but to now have these TWO companies reporting FALSE information and CONTINUING to get away with what is a CLEAR violation, is just baffling and infuriating to me! That has the ENTIRE point of Chapter XXXX and DEFEATS the purpose! \nI am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a lawsuit and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to me over my credit report. I have had ENOUGH! \nHOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? \nLOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! \n\nTHE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!","date_sent_to_company":"2021-02-21T05:53:01.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"99504","tags":null,"has_narrative":true,"complaint_id":"4154086","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-02-21T00:48:38.000Z","state":"AK","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["That has the ENTIRE <em>point</em> of Chapter XXXX and DEFEATS the purpose! \nI am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am <em>about</em> to file a lawsuit and I will drag in every doctor, judge and person I know for the <em>pain</em> and infliction these companies are causing to me over my credit report. I have had ENOUGH! \nHOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? \nLOOK at the attachments!"]},"sort":[13.731563,"4154086"]},{"_index":"complaint-public-v1","_id":"2310421","_score":13.53737,"_source":{"product":"Mortgage","complaint_what_happened":"I mailed my mortgage payment to PennyMac Loan Services on XXXX XXXX, XXXX ( I have proof of doing so ), but my payment was not credited to my account until XXXX XXXX, XXXX, the day after the payment is considered late. PennyMac has in the past credited my payment later than the day that it was received. I know this because I have sent some past payments by certified mail and I saw that, on occasion, PennyMac did not provide a credit to my account on the day the payment was received. \nThis is not the first time that I have filed a formal complaint against PennyMac with CFPB regarding this same issue. I also filed a complaint on XXXX XXXX, XXXX. On that occasion, I had mailed my payment to PennyMac on XXXX XXXX, XXXX, and PennyMac did not credit it until the day that I filed the complaint on XXXX XXXX, XXXX. \nAt this point, I think that this is a pattern of behavior for PennyMac. When I called PennyMac yesterday to complain about my payment being credited late, they immediately started encouraging me to pay my mortgage in other ways ( such as electronic payments ). My impression is that they would rather I use another method to make my payments instead of mailing in a check every month. \nThis would all appear to be extremely unscrupulous. At this point, I want PennyMac to sell my loan to a company that will fairly credit my payments in a timely manner as required by law. I have never had a late mortgage payment and it is a pain in the neck to have to take extra measures to be able to prove that I mailed in my mortgage payment on time every month. \nOn this occasion, PennyMac did not credit my payment to my account until 12 days after I mailed it, then they charged a late fee to my account. When I asked the customer service representative why they did not credit my account in a timely fashion, she said the same thing that they said 2 years ago : We had bad weather across the country and it held up the mail. She even said that they had trouble getting to their lockbox even though it is in XXXX, Texas. \nThe bottom line is that this is the second time that I have submitted a formal complaint to CFPB about this practice at PennyMac. It is a heavy burden to write a large check every month for my mortgage and not know whether I will receive the credit that I am supposed to receive under law. At this point, it is clear that this is not an isolated incident with PennyMac. I will enclose an official Certificate of Mailing from the U.S. Postal Service showing that I mailed my payment on XXXX XXXX, XXXX, as I previously stated. \nIt is completely unreasonable that PennyMac credited my payment a full 12 days after I mailed it. Whenever I have sent my payment using Certified Mail, it usually arrives at PennyMac in 3 days. Occasionally, it takes 4 days but never more than that. It is obvious that PennyMac has not credited my account in a timely manner and this is the second time that this has happened. This is a pattern and they should sell my loan to a company that will credit my account on the day that they receive the payment as is required by law.","date_sent_to_company":"2017-01-25T14:21:05.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"Conventional fixed mortgage","zip_code":"20721","tags":null,"has_narrative":true,"complaint_id":"2310421","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PENNYMAC LOAN SERVICES, LLC.","date_received":"2017-01-25T14:21:04.000Z","state":"MD","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["At this <em>point</em>, I want PennyMac to sell my loan to a company that will fairly credit my payments in a timely manner as required by law. I have never had a late mortgage payment and it is a <em>pain</em> in the neck to have to take extra measures to be able to prove that I mailed in my mortgage payment on time every month. \nOn this occasion, PennyMac did not credit my payment to my <em>account</em> until 12 days after I mailed it, then they charged a late fee to my <em>account</em>."],"issue":["Loan servicing, payments, escrow <em>account</em>"]},"sort":[13.53737,"2310421"]},{"_index":"complaint-public-v1","_id":"8483645","_score":13.20056,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XXXX XXXX  2024 all my money was taken out of my account by a person representing a Chime worker in the amount of XXXX. I explain to the person that I kept getting {$2.00} transactions taking out my account 6xs by XXXX. He explained he was going to take care of this and that he would have to change my username ( XXXX ) when doing so he cleared out my account. I ended up finding out the real # for Chime customer service and explain to them everything, to the point I was in tears. I spoke with the supervisor and then the fraud department the lady explain that they been having complaints about this and that I will be able to get my money back. Now my dispute is denied and I'm taking my case to XXXX If I don't get justice then I'm going to have to take this to court and seek more money for pain and suffering. I live paycheck to paycheck I can't afford to let my money just go like that from someone who I thought was a Chime representative and who was suppose to help my situation. \nEverything I sent even the police report states I was scam by someone who represented themselves as Chime. All I want is my {$1400.00} back into my account. Any bank wouldn't have no problem giving their clients money back if it was scam out of it. Chime is Not Trying to give me my money back. I'm not going to stop until I get justice and refunded back. The next step will be the News Station then Court. If I take it to court I will be seeking more money for all this aggravation.","date_sent_to_company":"2024-03-04T20:50:08.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"29203","tags":null,"has_narrative":true,"complaint_id":"8483645","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2024-03-04T20:31:24.000Z","state":"SC","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I spoke with the supervisor and then the fraud department the lady explain that they been having <em>complaints</em> <em>about</em> this and that I will be able to get my money back. Now my dispute is denied and I'm taking my case to XXXX If I don't get justice then I'm going to have to take this to court and seek more money for <em>pain</em> and suffering."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[13.20056,"8483645"]},{"_index":"complaint-public-v1","_id":"5661194","_score":12.947792,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"On XX/XX/2022 Ally received by certified mail a XXXX $ money order from me with stipulations ( Exhibit A XXXX ) that were in accordance with what Ally has written on the back of the statement ( Exhibit B ) which indicates they know about the UCC codes and expect people to use them, i didnt expect it to work but i gave it try. after Ally received the payment they put a freeze on my account stating they were having problems processing it ( Exhibit C ) up until that point my account was in good standing then Ally returned the payment ( Exhibit D ) so i logged into my account to pay my bill on XX/XX/2022 and saw that there was still a block on the account so i couldnt make a payment i then gave Ally a call on XX/XX/XXXX & XXXX 2022 ( Exhibit E 1-2 ) to find out why i couldnt make a payment. Both times i was told after a XXXX convo that there was a stop payment on the account and that it would be off in XXXX hrs. so on XX/XX/2022 i sent Ally a certified and notarized notice of intent ( Exhibit F 1-3 ) letting them know i am filing a complaint with the FTC ( which sent me to CFPB ) and the XXXX  as well as the U.S. Attorney Generals Office so they can be investigated for this shady business practice because it didnt take XXXX to put a stop payment on my account but its taken more than XXXX to try to get it off so i can make a payment. As of today XX/XX/2022 the account is still on hold ( Exhibit G XXXX ) Ally is purposefully an with malicious intent keeping my account status like it is to force me into default on the loan so that they can ruin my credit an repossess the car this is a illegal business tactic being used by a predatory lending company. This blatant violation of MGL 93a section 2 is causing me unwanted pain and suffering. At this point a repossession attempt by Ally would be illegal because of the illegal business tactics that are being used","date_sent_to_company":"2022-06-13T00:49:42.000Z","issue":"Struggling to pay your loan","sub_product":"Loan","zip_code":"01109","tags":null,"has_narrative":true,"complaint_id":"5661194","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2022-06-12T23:44:06.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Lender trying to repossess or disable the vehicle"},"highlight":{"complaint_what_happened":["On XX/XX/2022 Ally received by certified mail a XXXX $ money order from me with stipulations ( Exhibit A XXXX ) that were in accordance with what Ally has written on the back of the statement ( Exhibit B ) which indicates they know <em>about</em> the UCC codes and expect people to use them, i didnt expect it to work but i gave it try. after Ally received the payment they put a freeze on my <em>account</em> stating they were having problems processing it ( Exhibit C ) up until that <em>point</em> my <em>account</em> was in good standing"]},"sort":[12.947792,"5661194"]},{"_index":"complaint-public-v1","_id":"3402275","_score":12.300438,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"I paid off my account with Conns on XXXX/XXXX/2019 in the amount of {$170.00}. On XXXX/XXXX/2919 I started receiving collection calls from the company. I made the agent aware I paid off my account online. They called me again on XXXX/XXXX/2019 stating Im a delinquent customer and I need to make a payment now. I informed that agent I paid off my account. They said I see that let me get this account closed out. They called me on XXXX/XXXX/2019 stating my account was past due. I told them the same thing. They said the issues would be escalated. At that point I asked for my payment history. I got another phone call on XXXX/XXXX/2019 stating my loan was delinquent and I was approaching 30 day delinquency. I made another payment if XXXX so my credit would not be negatively impacted. I requested my loan history again but Ive yet to receive it. I paid Conns in full {$5200.00} I was financed at {$3800.00}. I have been treated unfairly and I believe they have over collected on my loan. I asked several times to speak with complaint department but was declined that right. I sent an email to the XXXX XXXX XXXX and Ive yet to get a response. I have been treated unfairly and I want a refund of the full amount I paid this company. ( {$5200.00} ) Im a single mom trying to take care of my family. Conns has stressed me out about this situation. I have to been late from my breaks and lunches at work because Ive been placed on hold and given the run around about my payments and how they have been applied. I have spent countless hours on the phone with them. To get no solution. To date no representative from their company has made me feel like a valuable customer. Im trying to buy a house for me and my children and Im dishes out money to a company that can not tell me where my money is going. They owe me for pain and suffering. Ive been so upset about this matter. In XXXX my principal balance was XXXX. Then they increased my balance after I made another payment in XXXX. I have attached my credit report to show my payment history and my balance in XXXX verses XXXX 2019 2019","date_sent_to_company":"2019-10-11T00:18:17.000Z","issue":"Problem with the payoff process at the end of the loan","sub_product":"Installment loan","zip_code":"76134","tags":null,"has_narrative":true,"complaint_id":"3402275","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Conn's, Inc.","date_received":"2019-10-10T23:22:16.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I asked several times to speak with <em>complaint</em> department but was declined that right. I sent an email to the XXXX XXXX XXXX and Ive yet to get a response. I have been treated unfairly and I want a refund of the full amount I paid this company. ( {$5200.00} ) Im a single mom trying to take care of my family. Conns has stressed me out <em>about</em> this situation."]},"sort":[12.300438,"3402275"]},{"_index":"complaint-public-v1","_id":"15418927","_score":12.225053,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year> I deposit a check in my checking account for a third party which the check was sign over to me. I read the terms of the bank guidelines of third-party check deposit i was allowed to deposit the check we deposit the check signed the check the way it was explained the way I should signed it before I deposit. We deposit the check the system remove the 7 day hold so the next business day came the hold was placed again I called and asked why was the place again at first they said they didn't believe the funds would be paid by the bank the cashiers check came from .I advise them about the number that was on the check that they can call and verify the check at this point I'm speaking to a supervisor she told me she wasn't going to call because it didn't matter the funds could still be returned since she refused to call i asked to speak with someone higher than her she refused again I told since she had refused me of service two I would report her soon as I disconnected the phone I had received a email saying they had blocked my account again for the fourth time I called and asked the reason why than they said because I deposit a third party check i read the terms 10 times to make sure I was allowed to deposit the check i know I am allowed to do it okay they asked me questions about the payee over the check I answered them they still refused to listen they asked me to step in a branch with the payee we went the branch manager refused to service us because they said I was allowed to do so and I need to deal with who blocked my account so I call to inform them of what I was told they still refused to look for other options I feel as if the back office is picking with me Chase Bank not doing anything they committed to to help Me I need help EVERYTIME I TRY TO DO SOMETHING THEY blocking my account giving me problems with this complaint I am attaching documents to verify the payee identity they blocked me from uploading documents to my online banking which is weird something has to be done im about to sue for harassment pain and stuffing plus mental health issues","date_sent_to_company":"2025-08-20T05:27:10.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"707XX","tags":"Servicemember","has_narrative":true,"complaint_id":"15418927","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-08-20T04:57:09.000Z","state":"LA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["me problems with this <em>complaint</em> I am attaching documents to verify the payee identity they blocked me from uploading documents to my online banking which is weird something has to be done im <em>about</em> to sue for harassment <em>pain</em> and stuffing plus mental health issues"],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[12.225053,"15418927"]},{"_index":"complaint-public-v1","_id":"9585651","_score":12.204704,"_source":{"product":"Checking or savings account","complaint_what_happened":"Issue 1 : On or about XX/XX/XXXX, PNC Bank illegally withheld my funds that had already been allocated and paid out to an assigned payee. This action resulted in significant financial and personal hardship, causing me to incur a debt of over {$10000.00} and necessitating a relocation that cost me in excess of {$21000.00}. \n\nIssue 2 : On or about XX/XX/XXXX, I reported fraud committed by a merchant to PNC Bank. I called PNC to report the fraud and cancel my card. I was assured by PNC representatives that the fraudulent company would be unable to make further charges on my account. However, PNC paid the fraudsters, overdrew my account, and despite my numerous phone calls pointing out my reports and providing recordings of conversations during which I reported the fraudulent activity and was guaranteed protection, my calls were met with mockery, disrespect, and outright dismissal by PNC 's phone representatives. No corrective action was taken, and my account was closed with a negative balance Issue 3 : Throughout XXXX and XXXX, on more than three occasions, PNC Bank withheld funds from checks paid to me, in violation of Federal Reserve regulations that stipulate a bank must release the funds of a payable check within 48 hours. Some of these holds lasted more than seven days. Repeated calls to PNC 's customer service resulted in being hung up on and receiving inconsistent explanations, such as PNC 's belief that the checks were fraudulent, even after verification by the payor 's bank and even after the check had already been paid out by the issuing bank/payor. This illegal withholding of funds caused me to accrue late fees, negatively impacted my payment history with certain providers, and prevented me from obtaining necessary medical treatments, leading to severe physical distress, pain, and suffering. \n\nIssue 4 : On or about XX/XX/XXXX, after the last incident of PNC withholding a check paid to me, I filed a complaint with PNC 's \" Client Relations '' department. In retaliation, PNC blocked my access to the PNC banking app. Multiple unsuccessful attempts to restore access were met with conflicting instructions from representatives, ultimately resulting in the closure of my account without any feedback. \n\nImpact : The actions of PNC Bank have caused me significant financial and personal hardship, including debt, relocation expenses, late fees, negative impacts on my payment history, and severe physical distress due to the inability to access necessary medical treatments. \n\nActions Taken : I have repeatedly contacted PNC 's customer service regarding these issues and received no meaningful response, other than a patronizing phone call from a representative who acknowledged my complaints but offered no solutions.","date_sent_to_company":"2024-07-22T17:19:12.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"72703","tags":null,"has_narrative":true,"complaint_id":"9585651","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2024-07-22T16:59:22.000Z","state":"AR","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["This illegal withholding of funds caused me to accrue late fees, negatively impacted my payment history with certain providers, and prevented me from obtaining necessary medical treatments, leading to severe physical distress, <em>pain</em>, and suffering. \n\nIssue 4 : On or <em>about</em> XX/XX/XXXX, after the last incident of PNC withholding a check paid to me, I filed a <em>complaint</em> with PNC 's \" Client Relations '' department. In retaliation, PNC blocked my access to the PNC banking app."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[12.204704,"9585651"]},{"_index":"complaint-public-v1","_id":"3200645","_score":11.864539,"_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":["My daughter has several <em>complaints</em> here also. Please send me correspondence of this <em>complaint</em>. Someone else also has hacked my telephone number as well as my daughter 's trying to steal money from our <em>accounts</em>. I never talk to this people. Telemarketers and scammers might make calls occasionally. Please help me with this matter."],"product":["Checking or savings <em>account</em>"],"issue":["Problem with a lender or other company charging your <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[11.864539,"3200645"]},{"_index":"complaint-public-v1","_id":"4662765","_score":11.7185,"_source":{"product":"Checking or savings account","complaint_what_happened":"I got a call from XXXX XXXX, Branch Manager at 1st Midwest XXXX  in XXXX informing me that he is closing out all of my accounts with no logical explanation. My husband and I are senior citizens and have been banking with 1st Midwest XXXX  for over 20 years. We have automatic deposits in that bank and lots of money and investment accounts as well saved there. \n\nI believe that XXXX and his boss XXXX XXXX are retaliating against me because I filed a complaint due to the poor customer service I was receiving from XXXX and a teller supervisor on XX/XX/XXXX. I reported them as I should have. \n\nI spoke to XXXX XXXX this afternoon and his logic for cutting ties with me was very confusing, 1. because \" he feels that I'm not happy ''. How would he know? 2. He heard that I called 1st Midwest XXXX  racist. I did not. I just asked XXXX when is he going to start hiring people that look like me? He retorted. \" They don't apply. '' 3. XXXX XXXX also expressed concern that the bank discriminated against me over an unsecured loan I applied for a loan 3 years ago. It was denied because I was one point off the banks ' standards. When I inquired about my relationship with the bank XXXX still turned me down. So I took out a secured loan. 4. XXXX XXXX finally stated to me that the bank doesn't need an excuse for closing out all of my accounts while causing me and my husband tremendous inconvenience and more pain and suffering. \n\nOver the years I have had great relationships with most of the bankers at 1st midwest even those that have left. I have pictures at the retirement party of one banker, never had a problem. It's just XXXX and his \" special group interest group '' ( 2 women and XXXX XXXX ) that seems to discriminate against XXXX and senior citizens. Why would XXXX XXXX bring up race and use it as a weapon to close out my accounts? XXXX XXXX, I thought, had a close relationship with me and my husband, he knows that we are both XXXX survivors and my husband had XXXX XXXX within this past year. This is a prime example of poor customer service and taking advantage of senior citizens! What he is doing is retaliatory and is going to cause us a great deal of inconvenience and pain and suffering. \n\nIn closing, one thing I know for sure is that XXXX XXXX and XXXX XXXX, representatives of 1st Midwest XXXX, are trying to deny me my \" freedom of speech '' by retaliating against me for reporting poor customer service while throwing everything but the kitchen sink to justify their unprofessional behavior. This is/should be unacceptable in any community in the United States of America. XXXX is a diverse and friendly community our motto is \" A Place To Grow. '' as a 30-year resident here I'm accustomed to good, friendly, honest customer service.","date_sent_to_company":"2021-08-25T22:33:10.000Z","issue":"Closing an account","sub_product":"Other banking product or service","zip_code":"60440","tags":null,"has_narrative":true,"complaint_id":"4662765","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST MIDWEST BANCORP, INC.","date_received":"2021-08-25T20:11:06.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["It was denied because I was one <em>point</em> off the banks ' standards. When I inquired <em>about</em> my relationship with the bank XXXX still turned me down. So I took out a secured loan. 4. XXXX XXXX finally stated to me that the bank doesn't need an excuse for closing out all of my <em>accounts</em> while causing me and my husband tremendous inconvenience and more <em>pain</em> and suffering. \n\nOver the years I have had great relationships with most of the bankers at 1st midwest even those that have left."],"product":["Checking or savings <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[11.7185,"4662765"]},{"_index":"complaint-public-v1","_id":"2703593","_score":11.532279,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXXXXXX XXXX XXXX Navient XXXX XXXX XXXX XXXX, PA XXXX Complaint Summary Complaint Type : Consumer to Business Complaint Nature of complaint : Billing or Collection Issues Problem description : I called Navient on XXXX XXXX due to a past due balance and inquired about the amount and delinquent status. This was ONLY an inquiry call, as the representative advised that I was out of forbearance options but NEVER had my account reviewed by Navient to have my balance basically start over from zero. He advised that there are options that I can take with Navient to have my account reviewed and basically start my account over again. He advised this was an option and would this be something I would be interest in. I advised NOT at this time, as I did n't know that was an option and will take that into consideration. He advised he would have to send me some information to review and send back. I verified my email address and that was it. I called tonight to pay {$230.00} and the automated system advised my balance was {$25.00}. IMPOSSIBLE ... ..because I have n't made a payment but know that I have to make one, as I was almost 60-90 days before my account going into delinquent. I spoke to several representatives and a supervisor ... XXXX. I explained the issue and advised I want my call pulled. Someone falsified my account and I was filing a complaint. I took called a few times to take the survey,, as the 1st time I asked XXXX to transfer me but he must have stayed on the line because the survey system kept asking saying the same thing after I was trying to make my selection. Apparently, he did n't disconnect the call because if you do n't release the call ... the survey wo n't be activated. Very Poor service ... this company creativity is shot in my book and I want action taken, my account to be reviewed and something to be done ... .I do n't trust this company at this point. I had reservations but now ... .they confirmed my suspicions ... .not creditable. XXXX kept trying to get me to agree to make my account negative again and be reported that way to the credit bureau ... I refused to agree to anything because I never agreed to anything with this company at all ... .I have XXXX  and this has impacted my health and I am starting to feel frustrated, pain and inflammation. \nDesired Resolution : Other ( requires explanation ) Desired Outcome I want my account to be reviewed, call pulled from XXXX XXXX, XXXX. \n\nThis was an unauthorized act from Navient - I never agreed to any income default or forbearance","date_sent_to_company":"2017-10-16T23:26:20.000Z","issue":"Written notification about debt","sub_product":"Federal student loan debt","zip_code":"31909","tags":null,"has_narrative":true,"complaint_id":"2703593","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2017-10-16T23:19:20.000Z","state":"GA","company_public_response":null,"sub_issue":"Notification didn't disclose it was an attempt to collect a debt"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXXXXXX XXXX XXXX Navient XXXX XXXX XXXX XXXX, PA XXXX <em>Complaint</em> Summary <em>Complaint</em> Type : Consumer to Business <em>Complaint</em> Nature of <em>complaint</em> : Billing or Collection Issues Problem description : I called Navient on XXXX XXXX due to a past due balance and inquired <em>about</em> the amount and delinquent status."],"issue":["Written notification <em>about</em> debt"]},"sort":[11.532279,"2703593"]},{"_index":"complaint-public-v1","_id":"2959277","_score":11.528758,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Back in XXXX I contacted BMW Financial about my closed and paid account not reporting to XXXX, also stated that I've spoken to the credit reporting agency XXXX and they stated the account was deleted in XX/XX/XXXX. In XXXX I sent in a goodwill letter and also sent in another paper that made the complaint about the account not showing on XXXX. The complaint in XXXX was verbal and the complaint in XXXX was through postal service. I have attached the copy of letter and credit reporting complaint attached. When I contacted BMW both in XXXX and XXXX I was told the situation would be fixed. \n\nTill date, the situation hasn't been fixed. BMW tried to fix the mistake in XXXX by reporting account, but you can't report an account that was deleted. This info has been given to me by XXXX  representative and also their executive offices. BMW FAILED TO REINSERT THE ACCOUNT. \n\nAfter my postal letter for Goodwill and my CR Complaint was received on XXXX nut uploaded in their system on XX/XX/XXXX I contacted BMW in regards to receiving it and asking them to reinsert the account they deleted. They claimed they received the documents and will work with the CR Team. \n\nAfter everything by Goodwill letter was denied and also by CR remained unchanged. When I spoke to a representative they stated they reported my account again on XX/XX/XXXX. \n\nSee, someone trained in this CR Department would know if the account was deleted, even when reported, would not populate, therefore the account would have to be reinserted for the reporting to populate. I stated this many times and even had some representatives agree. \n\nI've spent over 15 hours on the phone with BMW to resolve the issue, which doesn't include the time on the phone with XXXX. \n\nAfter so many attempts, I had a convo with XXXX or XXXX a SUpervisor at BMW. Sweetest gentlemen I've spoken with this year probably. He actually listened and went a step further and had me call XXXX to hear it personally. \n\nAfter getting told the same info that the account would have to be reinserted and also they can call the XXXX Maintenance number and have the account updated in real time, he said he would let the CR Team at BMW know and the case should be resolved soon.\n\nEver since then the CR Team has said they called XXXX and have been waiting for a call back on an issue that has been an excuse over a week now. Yesterday on XX/XX/XXXX I get a call stating they can't do anything because they're not getting a callback from XXXX. \n\nHow can a customer get the Exectuive Offices at XXXX from the customer service line and a whole creditor can't get someone on the phone? Sounds like I'm just getting the run around at this point. \n\nAfter the call, I immediately called back and spoke to another SUpervisor named XXXX, which I spoke to in the past. XXXX was the supervisor which made me send proof of all the of my credit reports just to substantiate that I guess \" I wasn't making up a lie '' about account not showing on XXXX Report. \n\nI sent in the info on XX/XX/XXXX. Track forward to today I find out that BMW used that email and stated that the dispute started on that date but they have 30 days. Mind you this has been an ongoing issue that has been almost 60days in with no resolution in sight. This info was given to me by the supervisor XXXX. \n\nWhen I also spoke to XXXX yesterday he stated the reason they can't upload my file is that my file is suppressed and that was the information they got this morning. But the conversation I had with a REP said something completely different. \n\nShe stated that she just got off the phone with the person handling my case in the CR Department and they're waiting for this PHONE CALL - STILL? \n\nNow, something is fishy? Everybody is running in circles and now making up lies. ANd I believe the lies just fall in not wanting to do the work for a 60 day plus dispute. \n\nWhen I spoke to XXXX on XX/XX/XXXX he stated pretty much, take a seat and in 30 days will get back to you. So really this dispute will be going on 90 days, with no resolution just the runaround. \n\nBMW fails to understand that the account now showing hurts my credit tremendously. The same issue which is preventing me from getting the best rate personal loan at my Credit Union which pulls XXXX for XXXX, which I've postponed 2 times now, waiting on BMW. I contacted my Doctor today and I will have to find a new XXXX   because they can't keep rescheduling me anymore.\n\nNow I have to pay for my doctor visits and test, all out of pocket.\n\nSomething BMW financial is not helping with but causing the issue. I've sat her in pain and in patience and can no longer deal anymore. CFPB is my last and final option before seeking LEGAL ACTION.\n\nHow somebody can call begging for 15 hours total and nothing is being done is just disrespectful and cruel. \n\nI do thank XXXX and the other representative I spoke to the day after we first talked for probably being the most professional and caring individuals I've ever spoken with. \n\nI can't keep being in pain with XXXX  of XXXX at XXXX when the ideal is XXXX. Makes no sense, how I'm being treated.","date_sent_to_company":"2018-07-10T15:20:17.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Loan","zip_code":"75022","tags":null,"has_narrative":true,"complaint_id":"2959277","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BMW Financial Services NA, LLC","date_received":"2018-07-10T14:24:44.000Z","state":"TX","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Back in XXXX I contacted BMW Financial <em>about</em> my closed and paid <em>account</em> not reporting to XXXX, also stated that I've spoken to the credit reporting agency XXXX and they stated the <em>account</em> was deleted in XX/XX/XXXX. In XXXX I sent in a goodwill letter and also sent in another paper that made the <em>complaint</em> <em>about</em> the <em>account</em> not showing on XXXX. The <em>complaint</em> in XXXX was verbal and the <em>complaint</em> in XXXX was through postal service."]},"sort":[11.528758,"2959277"]},{"_index":"complaint-public-v1","_id":"8298365","_score":11.527396,"_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 transfer over {$48000.00} from my business checking <em>account</em>, 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 <em>account</em> at this time had they let me know and saved a lot of money, <em>pain</em> and suffering. \n\nXX/XX/XXXX - A fraudulent transfer of {$46000.00} was debited from my <em>account</em>."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[11.527396,"8298365"]},{"_index":"complaint-public-v1","_id":"4175119","_score":11.490044,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Once again, I submitted my complaint, and once again, less than 2 days sent a message saying they were \" investigating '' and then sent an email saying it was \" updated '', but did NOTHING! It is like NO ONE is actually LOOKING or READING any of the attachments, including the discharge from the BANKRUPTCY COURT showing ALL Student loans, including XXXX  were discharged. It was discharged due to hardship because of an injury. \nNot ONLY did XXXX turn around and SELL OFF the discharged debt for someone else to try and collect on AFTER discharge, which is illegal, XXXX is now claiming I owe {$20000.00} additional in fees. In 3 years it went from {$21000.00} to {$43000.00}? That's AMAZING! \nAs previously stated. I will submit all my paperwork EVERY DAY until THIS IS PROPERLY taken care of as it is FRAUD and WRONG! it goes against EVERYTHING CFPB is set up to do and so much for protection to me under Federal law!!!!!! These companies are getting away with breaking FEDERAL BANKRUPTCY LAWS and NO ONE seems to give a XXXX! I am injured and disabled and this is incredibly frustrating to have to explain the obvious and NO ONE READS!!!! \nSubmitting my Complaint AGAIN and WILL CONTINUE to do so EVERY DAY until SOMEONE LOOKS at the documents and these two companies are REMOVED from my report or at the VERY least, reported CORRECTLY!!! \nDue to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX, I lost my business, my retirement, everything I had. The judge declared by case to be a hardship case and ruled that even the student loan to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, at one point they had reported the account to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. \n2 years later, they decide to pass it off AFTER DISCHARGED BANKRUPTCY to a XXXX  for \" collection '', which is totally ILLEGAL! Now, both XXXX AND XXXX  are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! It is bad enough that my credit report is showing a bankruptcy that hurts me, but to now have these TWO companies reporting FALSE information and CONTINUING to get away with what is a CLEAR violation, is just baffling and infuriating to me! That has the ENTIRE point of Chapter XXXX and DEFEATS the purpose! \nI am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a lawsuit and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to me over my credit report. I have had ENOUGH! \nHOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? \nLOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! \n\nTHE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!","date_sent_to_company":"2021-03-01T21:18:17.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"99504","tags":null,"has_narrative":true,"complaint_id":"4175119","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-03-01T21:14:54.000Z","state":"AK","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["That has the ENTIRE <em>point</em> of Chapter XXXX and DEFEATS the purpose! \nI am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am <em>about</em> to file a lawsuit and I will drag in every doctor, judge and person I know for the <em>pain</em> and infliction these companies are causing to me over my credit report. I have had ENOUGH! \nHOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? \nLOOK at the attachments!"]},"sort":[11.490044,"4175119"]},{"_index":"complaint-public-v1","_id":"4169191","_score":11.465673,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Once again, I submitted my complaint, and once again, XXXX less than 2 days sent a message saying they were \" investigating '' and then sent an email saying it was \" updated '', but did NOTHING! It is like NO ONE is actually LOOKING or READING any of the attachments, including the discharge from the BANKRUPTCY COURT showing ALL Student loans, including XXXX were discharged. It was discharged due to hardship because of an injury. \n\nNot ONLY did XXXX turn around and SELL OFF the discharged debt for someone ele to try and collect on AFTER discharge, which is illegal, PHEAA is now claiming I owe {$20000.00} addtional in fees. ( HA HA HA HA HA HA HA ). AS IF! In 3 years it went from {$21000.00} to {$43000.00}? That's AMAZING! \n\nAs previously stated. I will submit all my paperwork EVERY DAY until THIS IS PROPERLY taken care of as it is FRAUD and WRONG! it goes against EVERYTHING CFPB is set up to do and so much for protection to me under Federal law!!!!!! These companies are getting away with breaking FEDERAL BANKRUPTCY LAWS and NO ONE seems to give a XXXX! I am XXXX and XXXX and this is incredibly frustrating to have to explain the obvious and NO ONE READS!!!! \n\nSubmitting my Complaint AGAIN and WILL CONTINUE to do so EVERY DAY until SOMEONE LOOKS at the documents and these two companies are REMOVED from my report or at the VERY least, reported CORRECTLY!!! \nDue to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX I lost my XXXX, my retirement, everything I had. The judge declared by case to be a hardship case and ruled that even the student loan to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, at one point they had reported the account to all the credit bureaus as CLOSED/CHAPTER XXXX  BANKRUPTCY. \n2 years later, they decide to pass it off AFTER DISCHARGED BANKRUPTCY to a PHEAA for \" collection '', which is totally ILLEGAL! Now, both PHEAA AND XXXX are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! It is bad enough that my credit report is showing a bankruptcy that hurts me, but to now have these TWO companies reporting FALSE information and CONTINUING to get away with what is a CLEAR violation, is just baffling and infuriating to me! That has the ENTIRE point of Chapter XXXX  and DEFEATS the purpose! \nI am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a lawsuit and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to me over my credit report. I have had ENOUGH! \nHOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? \n\nLOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! \n\nTHE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!","date_sent_to_company":"2021-02-26T21:29:22.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"99504","tags":null,"has_narrative":true,"complaint_id":"4169191","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2021-02-26T20:24:54.000Z","state":"AK","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["That has the ENTIRE <em>point</em> of Chapter XXXX  and DEFEATS the purpose! \nI am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am <em>about</em> to file a lawsuit and I will drag in every doctor, judge and person I know for the <em>pain</em> and infliction these companies are causing to me over my credit report. I have had ENOUGH! \nHOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? \n\nLOOK at the attachments!"]},"sort":[11.465673,"4169191"]},{"_index":"complaint-public-v1","_id":"4174899","_score":11.46194,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Once again, I submitted my complaint, and once again, less than 2 days sent a message saying they were \" investigating '' and then sent an email saying it was \" updated '', but did NOTHING! It is like NO ONE is actually LOOKING or READING any of the attachments, including the discharge from the BANKRUPTCY COURT showing ALL Student loans, including XXXX were discharged. It was discharged due to hardship because of an injury. \nNot ONLY did XXXX turn around and SELL OFF the discharged debt for someone else to try and collect on AFTER discharge, which is illegal, XXXX is now claiming I owe {$20000.00} additional in fees. In 3 years it went from {$21000.00} to {$43000.00}? That's AMAZING! \nAs previously stated. I will submit all my paperwork EVERY DAY until THIS IS PROPERLY taken care of as it is FRAUD and WRONG! it goes against EVERYTHING CFPB is set up to do and so much for protection to me under Federal law!!!!!! These companies are getting away with breaking FEDERAL BANKRUPTCY LAWS and NO ONE seems to give a XXXX! I am injured and XXXX and this is incredibly frustrating to have to explain the obvious and NO ONE READS!!!! \nSubmitting my Complaint AGAIN and WILL CONTINUE to do so EVERY DAY until SOMEONE LOOKS at the documents and these two companies are REMOVED from my report or at the VERY least, reported CORRECTLY!!! \nDue to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX, I lost my business, my retirement, everything I had. The judge declared by case to be a hardship case and ruled that even the student loan to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, at one point they had reported the account to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. \n2 years later, they decide to pass it off AFTER DISCHARGED BANKRUPTCY to a PHEAA for \" collection '', which is totally ILLEGAL! Now, both XXXX AND XXXX  are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! It is bad enough that my credit report is showing a bankruptcy that hurts me, but to now have these TWO companies reporting FALSE information and CONTINUING to get away with what is a CLEAR violation, is just baffling and infuriating to me! That has the ENTIRE point of Chapter XXXX and DEFEATS the purpose! \nI am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a lawsuit and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to me over my credit report. I have had ENOUGH! \nHOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? \nLOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! \n\nTHE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!","date_sent_to_company":"2021-03-01T21:14:24.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"99504","tags":null,"has_narrative":true,"complaint_id":"4174899","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-03-01T20:15:02.000Z","state":"AK","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["That has the ENTIRE <em>point</em> of Chapter XXXX and DEFEATS the purpose! \nI am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am <em>about</em> to file a lawsuit and I will drag in every doctor, judge and person I know for the <em>pain</em> and infliction these companies are causing to me over my credit report. I have had ENOUGH! \nHOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? \nLOOK at the attachments!"]},"sort":[11.46194,"4174899"]},{"_index":"complaint-public-v1","_id":"2570732","_score":11.374967,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have proof of more harassment by Equifax employees. I have previously reported, in at least 3 separate complaints to the CFPB different incidents regarding Equifax and my credit report. I have proof that they have tried to botch my credit report to prevent me from obtaining credit, which may have played a role in a recent credit denial I received. This has caused monetary loss, as well as pain and suffering for the months I 've been harassed by them and tried to get help from agencies to not much avail. I want this to be public so that if other people besides me are experiencing this, they know they 're not alone and that perhaps we can file a class action at some point. <P/>To begin, Equifax has added to three different accounts a consumer statement that I DID NOT add or tell them them add. I did not know this was even legal. If it 's not, then I 'm wondering why something has not been done about this already. Since when can they add a consumer statement that is n't from the consumer? It 's clear in black in white that the statement they 've added is even gone so far as to be in third person. Saying \" consumer disputes this information ''. Which means they are clearly writing on BEHALF of me without my permission. Please ask Equifax where the records are of me asking them to write \" consumer disputes this information '' on all the accounts they 've placed it on. What concerns me the most is that they 've added this statement to an account in good standing, in which I 've never had any issues with. It is my understanding that if something is under a dispute it will not show on a credit report. If this is the case with this, legal action should be taken, or something absolutely should be done. This would prove that they are trying to prevent positive/accurate information from showing on a credit report by their own statements they 've added. I did n't add the statement, they did. It 's even in third person, it ca n't be denied. Even if it is still showing on my credit report and I 'm mistaken, that makes it seem like the information on that account is incorrect or something is not right about it. This is not the case. One last time, I would swear under penalty of perjury that I have NEVER disputed the information on this XXXX XXXX account. Nor have I added any statement to it. They added this statement without my permission. <P/>Please ask them where they got this information from. Please do something about this. They need to remove all 3 instances of this from my credit report, because they have no right to add any consumer statement without my permission. They do not have my permission to add any consumer statements that they wrote. Only statements that I have submitted MYSELF, written MYSELF, and asked to be put as a statement MYSELF. I 've attached a screenshot of my online report. In addition this statement also showed on the paper report mailed to me, which is how I first found out about it.","date_sent_to_company":"2017-07-11T15:56:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"755XX","tags":null,"has_narrative":true,"complaint_id":"2570732","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-07-11T15:26:04.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I want this to be public so that if other people besides me are experiencing this, they know they 're not alone and that perhaps we can file a class action at some <em>point</em>. <P/>To begin, Equifax has added to three different <em>accounts</em> a consumer statement that I DID NOT add or tell them them add. I did not know this was even legal. If it 's not, then I 'm wondering why something has not been done <em>about</em> this already. Since when can they add a consumer statement that is n't from the consumer?"],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[11.374967,"2570732"]},{"_index":"complaint-public-v1","_id":"2590498","_score":11.306074,"_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 was mislead into giving navient access to my <em>account</em>. I called the advocate office and they would n't open a <em>complaint</em> 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 <em>pain</em> due to the XXXX. 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."]},"sort":[11.306074,"2590498"]},{"_index":"complaint-public-v1","_id":"6677290","_score":10.819307,"_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":["I found numerous <em>complaints</em> online from customers who have had their <em>accounts</em> terminated without valid reasons, and with little or no information <em>about</em> 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."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Savings <em>account</em>"]},"sort":[10.819307,"6677290"]},{"_index":"complaint-public-v1","_id":"3153064","_score":10.802513,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX I filed a complaint against TransUnion & XXXX  for reinserting a 5 year old Bankruptcy ( Case # XXXX ) without notifying me in writing with in the five business days required by FCRA, Part ( A ) ( 5 ) ( B ). The reason the BK had been deleted about 5 years ago was do to the fact there was many inaccuracy reporting on the Bankruptcy. Such as wrong filing date, date the BK was closed the address and name of the correct Bankruptcy court. They even had my address incorrect. After I filed my complaint XXXX  sent me a letter stating that they had removed the Bankruptcy off my credit. I was really relieved considering at the time I was in the middle of closing on some rental property and had to take a big financial lose because of what had just inspired with my credit taking a major hit which caused me a lot of stress and some miner physical pain. So now both XXXX  and XXXX   was showing my credit report correctly and I just knew TransUnion would follow suite , but they did just the opposite. On XX/XX/XXXX I received a letter from Transunion stating that on the date of XX/XX/XXXX and XX/XX/XXXX they had did an investigation into Texas Federal Court XXXX and at that time when they did investigation they had verified the account. So they went on to say that they would reopen the case and do an new investigation into the matter and send me out a letter once its been done with the new results. XX/XX/XXXX is the last I've herd from Transunion. From my understanding they have 30-45 days to do an investigation and send out the results or they must remove the item off the consumer report. I have yet to receive anything but yet they are still reporting this on my credit which is a violation of FCRA. Transunion is also in violation for not sending out a letter with in 5 days of reinserting a deleted item. I don't understand why Transunion claimed they did investigation back in XXXX and XX/XX/XXXX because its irrelevant considering it was deleted anyways back then for the violation that i noted. But from my true understanding section 609 protects me against false reporting and i would like to point out that this exactly what this is. TransUnion is the only bureau reporting this on my credit and have yet to explain why or show any prove. Transunion needs to remove the BK off my credit or my next step will to seek legal actions against them.","date_sent_to_company":"2019-02-15T08:41:18.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90501","tags":null,"has_narrative":true,"complaint_id":"3153064","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-02-15T08:25:25.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["After I filed my <em>complaint</em> XXXX  sent me a letter stating that they had removed the Bankruptcy off my credit. I was really relieved considering at the time I was in the middle of closing on some rental property and had to take a big financial lose because of what had just inspired with my credit taking a major hit which caused me a lot of stress and some miner physical <em>pain</em>."]},"sort":[10.802513,"3153064"]},{"_index":"complaint-public-v1","_id":"5046269","_score":10.43957,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/2021 I purchased Internet service for my XXXX XXXX from XXXX for {$44.00} I call them up on the phone and they had me pay through a link with my capital one credit card I paid for the service and they told me the service was effective they told me I would be getting between 12 and MB 25 per second and they advised me if I had any technical issues they give your phone and the phone call ended I connected the XXXX XXXX  got the password for my computer and the service was about XXXX MB per second I could not navigate you could not go from one website to the other it was not functioning it was too slow I did some quick research online and found hundreds of complaints about XXXX XXXX I had given them my home address and ZIP Code they advised me that there was service my area with the speeds that they described to me as I said I went onto the Internet I found hundreds of cases with people were given misinformation lied to On that same day XXXX XXXX I contacted the technical people they said they literally set all the connections and that I would get a better speed of Internet service it would take between 12 and 24 hours I waited 24 hours at that point had no service whatsoever non-it was not functioning I call them back they told me to go and get a new Sim card went to the XXXX store in XXXX Pennsylvania and they gave me a new Sim card at no charge I went home and connected it there was still no connection I called back this technical people they told me they had a reset the connections 24 hours later there was no service whatsoever I called in and request a refund and to cancel the service they told me to contact my credit card company and request the chargeback and they would not contest I did that on XXXX XXXX so far they had sent me no receipt whatsoever they sent me numerous emails to my email would no receipt no invoice I contacted my credit card company and told him exactly what transpired they put in the dispute XXXX answer them back and they put the chargeback on my account I called my credit card company and they refused to do anything about the charge they requested that I spent {$1500.00} to have a private company come to my home and verify that XXXX 's Internet service was not working the charges {$44.00} they requested an invoice or receipt for the service which I never got I was never sent an invoice or receipt they advised me that they did receive an invoice or receipt from XXXX when I contested the service and they refused to share with me and wanted me to get a receipt from XXXX I call XXXX numerous times last time I called was XX/XX/2021 asking for receipt they advised me that being that I cancel the service they could give me access to an account or an invoice however they are still maintaining the services open the account is still operational when I call back and I give them my phone number they tell me I owe pain so this is an open case of extremely strange behavior I've done everything I possibly can and been manipulated and basically misled","date_sent_to_company":"2021-12-28T07:33:54.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"183XX","tags":null,"has_narrative":true,"complaint_id":"5046269","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2021-12-28T02:14:20.000Z","state":"PA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["get a receipt from XXXX I call XXXX numerous times last time I called was XX/XX/2021 asking for receipt they advised me that being that I cancel the service they could give me access to an <em>account</em> or an invoice however they are still maintaining the services open the <em>account</em> is still operational when I call back and I give them my phone number they tell me I owe <em>pain</em> so this is an open case of extremely strange behavior I've done everything I possibly can and been manipulated and basically misled"],"sub_issue":["Credit card company isn't resolving a dispute <em>about</em> a purchase on your statement"]},"sort":[10.43957,"5046269"]},{"_index":"complaint-public-v1","_id":"20359955","_score":10.402591,"_source":{"product":"Checking or savings account","complaint_what_happened":"Since my original complaint, the situation has continued to deteriorate with additional concerning developments. \n\nI have now experienced multiple instances where I was placed on hold by American Express customer service representatives for extended periods of time, with no return to the call. On more than one occasion, I remained on hold for a significant duration only to have the call effectively abandoned without resolution. \n\nIn addition, I have been repeatedly told that a supervisor would return my call within XXXX to XXXX hours. These commitments have not been honored. As of now, multiple promised callbacks have not occurred, and no supervisor has contacted me. \n\nThis pattern of behavior has made it extremely difficult to resolve the issue and raises concerns about whether I am being intentionally delayed or cycled through a process without any real intention of resolving the matter. \n\nAt the same time, the original issue remains unresolved. I continue to be told that my bank statements are being rejected for inconsistent and shifting reasons, despite the fact that they were downloaded directly from my banks official portal. My financial institution has confirmed that the format of these statements is standard and that certain requested details, such as full account numbers, are not included for security reasons. \n\nI have now made numerous attempts to comply, including multiple document uploads and repeated calls, yet I am still being denied access to my funds and am unable to close my account until this issue is resolved. \n\nAdditionally, I have identified other customers experiencing the same issue, including identical rejection language and repeated resubmission cycles. This indicates that this may be a broader systemic issue rather than an isolated case. \n\nAt this point, this is no longer a customer service issue. It is a failure of process, communication, and resolution that is directly impacting my ability to access my own funds. \n\nI am requesting immediate escalation and resolution, including a clear and consistent explanation of what is required, and the removal of any restrictions once valid documentation has been provided. Through discussions with other individuals on public forums and online chat groups, I have identified multiple customers who are experiencing the same issues I am encountering. Specifically, they report identical document rejection reasons, repeated requests to resubmit valid bank statements, prolonged delays, and lack of follow-through from customer service, including missed supervisor callbacks. The consistency of these experiences strongly suggests that this is not an isolated incident, but rather a broader systemic issue within American Expresss verification and account handling process. Our money is being held by American Express, violating consumer laws with no clear explanation. They obviously have a issue with their process and system and consumers are feeling the pain of not having access to their money.","date_sent_to_company":"2026-03-18T03:26:07.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"94568","tags":null,"has_narrative":true,"complaint_id":"20359955","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2026-03-18T03:09:42.000Z","state":"CA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["The consistency of these experiences strongly suggests that this is not an isolated incident, but rather a broader systemic issue within American Expresss verification and <em>account</em> handling process. Our money is being held by American Express, violating consumer laws with no clear explanation. They obviously have a issue with their process and system and consumers are feeling the <em>pain</em> of not having access to their money."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Savings <em>account</em>"]},"sort":[10.402591,"20359955"]},{"_index":"complaint-public-v1","_id":"21208993","_score":10.355511,"_source":{"product":"Checking or savings account","complaint_what_happened":"I still haven't heard anything from Bank of America and it's almost been XXXX days since the last complaint When I was contacted after writing the first complaint by XXXX XXXX she seemed very concerned about what had happened and she listened to what I went through as a result of nothing being reported by the bank to XXXX XXXX XXXX. At the end of our conversation it was her who brought up reopening my disputes She asked me if I got some of my money back would that satisfy me. I told her that I didn't want to go over everything again and again because I'm still so traumatized by it. I also said I'd like to resolve it with the bank quietly as opposed to getting attorneys involved even though the bank was liable for the nightmare I went through after losing everything and I already had a few law firms that were interested in taking this case on. She assured me that I wouldn't have to relive this over and over and thinks this would be the best step to take. I said ok and we hung up I felt like she genuinely cared about me and would handle this properly and I would hear from her soon. I never did. I called her number over and over again leaving message after message and never got any kind of response. I then reached out to the claims department and I had no idea how much worse this could have gotten for me until I went through it. I was passed from XXXX department to the next having to tell my story over and over again to total strangers only to have the next person say no notes were written and they would start talking about all the wrong things Nobody seemed to know why XXXX had even reopened this claim and nobody seemed to know what a dependent adult was. It's been awful. At XXXX point I was told that the XXXX claim was approved and waiting to get signed off on and I was so relieved but XXXX days later I found out it was denied for the same reasons as before and I would just breakdown in tears because the claim wasn't about that It was about the fact that I was fully transparent with the bank when I opened the account and told them I was a XXXX dependent adult and alone and to please pay special attention to my account because I had no one helping me. They assured me they would but less than XXXX weeks later I'd lost everything and had absolutely nothing to show for it. I was pretty much locked up in a room watching XXXX movies with my cats the entire XXXX months with strangers coming in and out of my room taking care of me I thought but thousands was being taken everyday from my account. My previous complaints says what happened to me after that So now it's been months of this and I regret not just getting an attorney from the beginning but I really felt like XXXX was very sympathetic and understanding and would take care of this and make it right I still haven't heard from her or anyone else except the initial call that comes after a complaint is filed. Since this began I have been placed on XXXX hour protective supervision by XXXX and rely on my caregiver to take care of me so I'm never homeless again I was also hit by a car going about XXXX mph while crossing a crosswalk and I have some pretty serious injuries as a result. I am waiting for the bank to give their response and to be honest I'm expecting the same thing as before and then at that point I will retain an attorney and let them take over. I'm really angry the bank hasn't just followed the laws in place and held them selves accountable and apologized to me for not stepping up and making a report that could have changed everything and they should give me all the funds I lost as a result because that's what the law says. I feel like I'm being very nice by not asking for millions for pain and suffering which is beyond what they can even imagine a person could have gone through but I believe now that they really don't care about any of those things and are just trying to look out for themselves and I'm not a real person to them I'm just an opponent they need to beat because the bank looks at this as a game or sorts where winning comes before doing the right thing It doesn't matter what happened to me or what I endured as a result all that matters is to do the right thing puts a blemish on their reports so they have spent months and months trying to find loopholes around this and continue slapping me in the face with their denial letters and saying absolutely nothing about what this is really even about. I will say it XXXX more time hopefully I'm heard This is about a seriously XXXX dependent adult without any family or friends coming into a bank of America XXXX because they felt they were the best It's about having the nerve to tell the bank who I was and also being brave enough to ask the bank to watch over my account. I know I'm horrible at so many things and my judgement is all bad I'm so gullible and naive I get hustled out of everything which is why I'm a DEPENDENT ADULT. So I was scared something might happen but didn't know what other options I had other than what I did by telling the branch manager. I thought if something went wrong even if I didn't see it the bank definitely would I lost what should have been enough to secure my future within weeks and was then homeless for the first time in my entire life. I hope to hear something soon from the bank and I would especially like to hear from XXXX who I still believe is a very kind person who really was trying to help me in the beginning by reopening those disputes. I think she then just got busy and forgot about me. Thanks for taking time to read this","date_sent_to_company":"2026-04-14T01:21:05.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"90805","tags":null,"has_narrative":true,"complaint_id":"21208993","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-04-13T23:47:12.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["At XXXX <em>point</em> I was told that the XXXX claim was approved and waiting to get signed off on and I was so relieved but XXXX days later I found out it was denied for the same reasons as before and I would just breakdown in tears because the claim wasn't <em>about</em> that It was <em>about</em> the fact that I was fully transparent with the bank when I opened the <em>account</em> and told them I was a XXXX dependent adult and alone and to please pay special attention to my <em>account</em> because I had no one helping me."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[10.355511,"21208993"]},{"_index":"complaint-public-v1","_id":"15291385","_score":10.195897,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX I deposited a check for {$15000.00} into a Wells Fargo bank account, also opening the account. Was told I could use tap pay until my physical card arrived. My funds cleared the next day. I withdrew {$9000.00}, and used my tap pay with no issues. I walked into my local branch to make a {$4000.00} withdrawl to pay for a vehicle out of state for my XXXX husband on XX/XX/XXXX. To my surprise. I was told by branch manager that I couldn't access my funds. He refused to give an explanation, and told me I could use the ATM outside. At this point i was thinking he had something against people that looked like me ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, i get treated poorly by many, but feom my own bank? My own money?? ) .I asked for a phone number to call to resolve the issue, he again refused any help. I went to thee ATM machine outside and it wouldn't let me access my funds, but was at least kind enough to give me a number to call. I talked to someone at customer service and they said they there were no holds and shouldn't be any issue now. So my husband and I drove XXXX hours out of state for the vehicle. We stopped to get gas and eat a couple hours in. We got turned away in line for food. Declined card. I was embarrassed and hungry, no gas, stranded in another state. I get back on the phone with Wells Fargo, they said im good to go card is back on, should be no problem. This happened again next time we stopped. Back on the phone, card good, no holds. We make it an XXXX  outside of our destination and same thing. So I get on the phone with Wells Fargo AGAIN! My husband called the man selling vehicle. He agreed to drive an XXXX  to us to make the deal because we had no gas and these phone calls are long. Get card back on, had to pay for hotel because its late now due to Wells Fargo, ( no change of clothes, no medication, not even a toothbrush ). Man arrives and we try to XXXX  him, no luck! We go to the ATM a few miles away, but no access to funds. Called Wells Fargo again!!! They say the SAME THING! NO HOLDS, no reason I should be able to access funds. This process continues XXXX more times until after XXXX. Man leaves to go back home, told us to get with him if we can figure out our finances! Embarrassed again! First thing in the XXXX on XXXX XXXX, my husband and myself went into a main branch and talked to the manager. She gave me the {$4000.00} that I had initially requested the day before. I told her of the events, and she told me to report that manager because he \" Definitely Discriminated Against You Both '', ( My husband accompanied me to local branch the day prior ). I called my local branch to see if they had a phone number for the complaints department. The manager answered the phone. He was so sweet to me being that he couldnt see who he was talking to. He so kindly gave me his direct number and the number i asked for. He aslo told me to press XXXX # to make the call easier.!!!! That was at XXXX pm on XXXX XXXX. I have called and reported twice, had my case closed twice. Was told by complaints department that it would be taken care of internally. When asked about my pain and suffering, I was responded to with \" What do you want? A phone call if the manager gets fired? '' I said, absolutely not. His discipline is on Wells Fargo, BUT my pain and suffering is also ON WELLS FARGO! She sent me a {$50.00} customer appreciation check.i told her that wouldnt even cover hotel, she said to send hotel reciept, which was {$100.00}. She sent me another check for {$56.00}! So she took away my customer appreciation check and put it toward their mess up! She closed my case anyways. We'll I reported her as well. I was told she is the only person I can talk to about this complaint- EVEN AFTER I REPORTED HER!!!! Then I asked to speak to her manager and was told that was impossible, pushing hard they finally agreed to have him call me. He called XXXX XXXX around XXXX. My cheek had accidentally hung up the phone while we were talking, he immediately called me back. We talked, I stated how I was going to push this until someone takes me seriously. At XXXX AM he hung up on me and never called me back!!! They have since let me know case closed. Manager still works as manager of that branch, and im still suffering. That vehicle was a long time coming surprise. Ruined present, embarrassed, stranded out of state, XXXX XXXX XXXXXXXX, unfavorable hygiene, missing meals, treated differently than others, given no explanation from the person that discriminated. Wells Fargo has been a nightmare.","date_sent_to_company":"2025-08-14T19:04:34.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"15291385","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-08-14T17:36:30.000Z","state":"FL","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":["When asked <em>about</em> my <em>pain</em> and suffering, I was responded to with \" What do you want? A phone call if the manager gets fired? '' I said, absolutely not. His discipline is on Wells Fargo, BUT my <em>pain</em> and suffering is also ON WELLS FARGO! She sent me a {$50.00} customer appreciation check.i told her that wouldnt even cover hotel, she said to send hotel reciept, which was {$100.00}. She sent me another check for {$56.00}!"],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[10.195897,"15291385"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":121,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":121}]}},"product":{"doc_count":121,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mortgage","doc_count":24,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":11},{"key":"FHA mortgage","doc_count":4},{"key":"VA mortgage","doc_count":4},{"key":"Home equity loan or line of credit (HELOC)","doc_count":2},{"key":"Conventional fixed mortgage","doc_count":1},{"key":"Other type of mortgage","doc_count":1},{"key":"Reverse mortgage","doc_count":1}]}},{"key":"Credit reporting, credit 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