{"took":67,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":503,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"7245197","_score":28.96689,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"PLEASE REFER TO COMPLAINT : XXXXXXXX XXXX  Subject : Complaint against XXXX XXXX and NFCU for Violation of the Electronic Fund Transfer Act ( EFTA ) XXXX am writing to file a formal complaint against Cash App and Navy Federal Credit Union ( NFCU ) for their alleged violations of the Electronic Fund Transfer Act ( EFTA ) . I believe that both financial institutions have intentionally and repeatedly attempted to limit their liability under the law and impose prohibitive requirements to investigate unauthorized electronic fund transfers ( EFTs ). \nAccording to the EFTA ( 15 U.S.C. 1693a ( 12 ) ) and the provided regulation, an unauthorized electronic fund transfer refers to a transfer initiated by a person other than the consumer without the consumer 's actual authority, from which the consumer receives no benefit. In such cases, the consumer 's liability is substantially limited for the incurred loss. \nIn the email response received from XXXX XXXX ( attached ), it is evident that they refused to acknowledge the unauthorized nature of the electronic fund transfers made to XXXX XXXX for the purchase of a vehicle. XXXX XXXX stated that they are unable to cancel, or refund completed payments and advised me to resolve the issue directly with the recipient. However, under the EFTA, the financial institution has an obligation to promptly investigate unauthorized EFTs upon receiving notice from the consumer. The financial institution may not delay the investigation or require the consumer to file a police report or contact the merchant prior to initiating their error resolution investigation. \nXXXX XXXX 's response appears to be in violation of the EFTA and its accompanying regulations. Their refusal to investigate and resolve the issue directly contradicts the protections afforded to consumers under the law. Furthermore, their suggestion to involve law enforcement before conducting their own investigation imposes a burdensome requirement that is not supported by the EFTA. \nI believe that NFCU, as the underlying financial institution that facilitated the transactions through Cash App, may also bear responsibility for potential violations of the EFTA. It is important to note that financial institutions must comply with Regulation E obligations, and any private network 's rules should not limit consumer protections beyond what is provided in the EFTA.","date_sent_to_company":"2023-07-13T05:28:27.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"022XX","tags":null,"has_narrative":true,"complaint_id":"7245197","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2023-07-13T05:22:10.000Z","state":"MA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["PLEASE REFER TO COMPLAINT : XXXXXXXX XXXX  Subject : Complaint <em>against</em> XXXX XXXX and NFCU for Violation of the <em>Electronic</em> <em>Fund</em> <em>Transfer</em> Act ( EFTA ) XXXX am writing to file a formal complaint <em>against</em> Cash App and Navy Federal Credit Union ( NFCU ) for their alleged violations of the <em>Electronic</em> <em>Fund</em> <em>Transfer</em> Act ( EFTA ) ."]},"sort":[28.96689,"7245197"]},{"_index":"complaint-public-v1","_id":"7244690","_score":28.937937,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Subject : Complaint against Cash App and XXXX for Violation of the Electronic Fund Transfer Act ( EFTA ) I am writing to file a formal complaint against Cash App and XXXX XXXX XXXX XXXX ( XXXX ) for their alleged violations of the Electronic Fund Transfer Act ( EFTA ). I believe that both financial institutions have intentionally and repeatedly attempted to limit their liability under the law and impose prohibitive requirements to investigate unauthorized electronic fund transfers ( EFTs ). \n\nAccording to the EFTA ( 15 U.S.C. 1693a ( 12 ) ) and the provided regulation, an unauthorized electronic fund transfer refers to a transfer initiated by a person other than the consumer without the consumer 's actual authority, from which the consumer receives no benefit. In such cases, the consumer 's liability is substantially limited for the incurred loss. \n\nIn the email response received from Cash App ( attached ), it is evident that they refused to acknowledge the unauthorized nature of the electronic fund transfers made to XXXX XXXXXXXX for the purchase of a vehicle. Cash App stated that they are unable to cancel or refund completed payments and advised me to resolve the issue directly with the recipient. However, under the EFTA, the financial institution has an obligation to promptly investigate unauthorized EFTs upon receiving notice from the consumer. The financial institution may not delay the investigation or require the consumer to file a police report or contact the merchant prior to initiating their error resolution investigation. \n\nCash App 's response appears to be in violation of the EFTA and its accompanying regulations. Their refusal to investigate and resolve the issue directly contradicts the protections afforded to consumers under the law. Furthermore, their suggestion to involve law enforcement before conducting their own investigation imposes a burdensome requirement that is not supported by the EFTA. \n\nI believe that XXXX, as the underlying financial institution that facilitated the transactions through Cash App, may also bear responsibility for potential violations of the EFTA. It is important to note that financial institutions must comply with Regulation E obligations, and any private network 's rules should not limit consumer protections beyond what is provided in the EFTA.","date_sent_to_company":"2023-07-13T05:17:39.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"022XX","tags":null,"has_narrative":true,"complaint_id":"7244690","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2023-07-13T04:53:32.000Z","state":"MA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Subject : Complaint <em>against</em> Cash App and XXXX for Violation of the <em>Electronic</em> <em>Fund</em> <em>Transfer</em> Act ( EFTA ) I am writing to file a formal complaint <em>against</em> Cash App and XXXX XXXX XXXX XXXX ( XXXX ) for their alleged violations of the <em>Electronic</em> <em>Fund</em> <em>Transfer</em> Act ( EFTA ). I believe that both financial institutions have intentionally and repeatedly attempted to limit their liability under the law and impose prohibitive requirements to investigate <em>unauthorized</em> <em>electronic</em> <em>fund</em> <em>transfers</em> ( EFTs )."],"product":["Money <em>transfer</em>, virtual currency, or money service"]},"sort":[28.937937,"7244690"]},{"_index":"complaint-public-v1","_id":"20611682","_score":28.57064,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am submitting this complaint against Chime XXXX regarding unauthorized transactions on my account that were wrongfully denied after dispute. \n\nOn XX/XX/XXXX unauthorized transactions occurred on my account without my knowledge or permission. I believe I was the victim of fraud/phishing, which resulted in unauthorized access to my account. \n\nI promptly reported the issue to Chime and filed a dispute. However, my claim was denied without sufficient explanation or a reasonable investigation. I did not authorize these transactions, nor did I benefit from them in any way. \n\nUnder the Electronic Fund Transfer Act ( Regulation XXXX ), I am entitled to protection against unauthorized electronic fund transfers. I am requesting that Chime provide documentation supporting their denial and conduct a full and fair reinvestigation of my claim. \n\nI am seeking reimbursement of the unauthorized transactions and accountability for the failure to properly investigate this matter. \n\nI am prepared to provide supporting documentation, including transaction records and communications if necessary.","date_sent_to_company":"2026-03-26T08:28:06.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"40403","tags":null,"has_narrative":true,"complaint_id":"20611682","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2026-03-26T07:59:05.000Z","state":"KY","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Under the <em>Electronic</em> <em>Fund</em> <em>Transfer</em> Act ( Regulation XXXX ), I am entitled to <em>protection</em> <em>against</em> <em>unauthorized</em> <em>electronic</em> <em>fund</em> <em>transfers</em>. I am requesting that Chime provide documentation supporting their denial and conduct a full and fair reinvestigation of my claim. \n\nI am seeking reimbursement of the <em>unauthorized</em> transactions and accountability for the failure to properly investigate this matter."]},"sort":[28.57064,"20611682"]},{"_index":"complaint-public-v1","_id":"20401559","_score":28.183352,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a complaint against Global Credit Union regarding unauthorized electronic fund transfers from my account due to account takeover fraud. \n\nMy account was hacked and funds were transferred out without my authorization to pay third-party bills. I did not initiate or approve any of these transactions. \n\nI promptly reported the fraud to Global Credit Union. However, my fraud alert was closed without providing a claim number, without a proper investigation, and without issuing provisional credit. \n\nThis handling appears to violate my rights under Regulation E of the Electronic Fund Transfer Act, which requires financial institutions to investigate unauthorized electronic fund transfers and provide provisional credit within required timelines. \n\nI am requesting the following : Immediate reopening of my fraud claim A formal claim number and written confirmation Full reimbursement of all unauthorized transactions Provisional credit while the investigation is pending A complete investigation into the account takeover I have also submitted written notice and attempted to contact the institution multiple times. \n\nI am requesting prompt resolution and compliance with federal consumer protection law During a follow-up visit to a branch location in XXXX XXXX XXXX California, I was instructed by a XXXX to contact the recipient agency of the fraudulent transactions myself to resolve the issue. I was not provided a claim number, and no formal fraud investigation appeared to be initiated. \n\nThis instruction is inappropriate, as the responsibility to investigate unauthorized electronic fund transfers lies with the financial institution under Regulation E. This response caused further delay and confusion in resolving the fraud on my account","date_sent_to_company":"2026-03-19T06:34:14.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"XXXXX","tags":"Older American","has_narrative":true,"complaint_id":"20401559","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"GLOBAL CREDIT UNION","date_received":"2026-03-19T06:03:03.000Z","state":"CA","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["This handling appears to violate my rights under Regulation E of the <em>Electronic</em> <em>Fund</em> <em>Transfer</em> Act, <em>which</em> requires financial institutions to investigate <em>unauthorized</em> <em>electronic</em> <em>fund</em> <em>transfers</em> and provide provisional credit within required timelines."]},"sort":[28.183352,"20401559"]},{"_index":"complaint-public-v1","_id":"11923318","_score":27.801447,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"As a consumer, I am entitled to protection under various laws, including but not limited to : 1. The Electronic Fund Transfer Act ( EFTA ), which provides consumers protection regarding electronic transfers and ensures they are notified of unauthorized transactions. \n2. The Fair Credit Billing Act ( FCBA ), which allows consumers to dispute billing errors, including unauthorized charges, and seek a remedy. \n3. State Consumer Protection Laws ( depending on your jurisdiction ), which provide additional safeguards to protect consumers against unfair or deceptive business practices. \n\nI kindly request that Cash App conduct a thorough investigation of this matter and return the funds in question to my account as soon as possible. If this issue is not resolved promptly, I will be forced to escalate the matter through formal channels, including filing a dispute with my bank and reporting the issue to the relevant consumer protection authorities. \n\nPlease respond to this request at your earliest convenience, with a clear outline of your process and timeline for resolution. \n\nThank you for your immediate attention to this matter.","date_sent_to_company":"2025-02-04T23:13:34.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"45011","tags":null,"has_narrative":true,"complaint_id":"11923318","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-02-04T23:07:35.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["As a consumer, I am entitled to <em>protection</em> under various laws, including but not limited to : 1. The <em>Electronic</em> <em>Fund</em> <em>Transfer</em> Act ( EFTA ), <em>which</em> provides consumers <em>protection</em> regarding <em>electronic</em> <em>transfers</em> and ensures they are notified of <em>unauthorized</em> transactions. \n2. The Fair Credit Billing Act ( FCBA ), <em>which</em> allows consumers to dispute billing errors, including <em>unauthorized</em> charges, and seek a remedy. \n3."],"product":["Money <em>transfer</em>, virtual currency, or money service"],"sub_product":["Domestic (US) money <em>transfer</em>"]},"sort":[27.801447,"11923318"]},{"_index":"complaint-public-v1","_id":"14685442","_score":27.73524,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am writing to formally dispute a XXXX transaction in the amount of {$1100.00} that was fraudulently withdrawn from my SoFi account on XX/XX/year>. The recipient was listed as XXXX, but I do not know this individual nor did I authorize this payment. My purse was stolen, which included my phone. As a result, my entire account was compromised. The thief had access to my banking app and sent funds through XXXX without my knowledge or consent. \n\nOnce I regained access to my account, I took immediate action to : Order a new debit card, Reset security credentials, Create a new email address, and Upload my government-issued ID to verify and secure my account. \n\nUnder Regulation E of the Electronic Fund Transfer Act, I am entitled to protection against unauthorized electronic fund transfers. This was not a transaction I initiated or approved, and it falls squarely under the definition of an unauthorized transfer.","date_sent_to_company":"2025-07-16T19:43:58.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"37214","tags":null,"has_narrative":true,"complaint_id":"14685442","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SOFI TECHNOLOGIES, INC.","date_received":"2025-07-16T19:25:38.000Z","state":"TN","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Under Regulation E of the <em>Electronic</em> <em>Fund</em> <em>Transfer</em> Act, I am entitled to <em>protection</em> <em>against</em> <em>unauthorized</em> <em>electronic</em> <em>fund</em> <em>transfers</em>. This was not a transaction I initiated or approved, and it falls squarely under the definition of an <em>unauthorized</em> <em>transfer</em>."]},"sort":[27.73524,"14685442"]},{"_index":"complaint-public-v1","_id":"19378950","_score":27.653627,"_source":{"product":"Checking or savings account","complaint_what_happened":"Company Name : XXXXXXXX XXXX XXXX XXXX Product Type : XXXX XXXX XXXX XXXX / Payment Processing Issue Type : Unauthorized Transactions/ Dispute Handling Failure Complaint Details : I am filing this complaint regarding two unauthorized transactions processed through XXXX in connection with Trust Wallet, which were debited from my account without my consent. \n\nOn XX/XX/year>, the following transactions occurred : {$940.00} at XXXXXXXX XXXX {$900.00} at XXXXXXXX XXXX These transactions were not authorized by me. I did not approve, confirm, or benefit from these charges in any way. \n\nImmediately upon discovering the transactions, I contacted my financial institution and filed a dispute. The dispute reference number is XXXX XXXXXXXX, and it is currently under investigation. Despite taking prompt action, I am concerned that XXXX and/or XXXX XXXX have failed to provide adequate consumer protection, transparency, and safeguards against unauthorized activity. \n\nI believe these transactions constitute unauthorized electronic fund transfers under applicable consumer protection laws, including the Electronic Fund Transfer Act ( EFTA ).","date_sent_to_company":"2026-02-10T08:47:38.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"29405","tags":null,"has_narrative":true,"complaint_id":"19378950","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2026-02-10T08:37:16.000Z","state":"SC","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Despite taking prompt action, I am concerned that XXXX and/or XXXX XXXX have failed to provide adequate consumer <em>protection</em>, transparency, and safeguards <em>against</em> <em>unauthorized</em> activity. \n\nI believe these transactions constitute <em>unauthorized</em> <em>electronic</em> <em>fund</em> <em>transfers</em> under applicable consumer <em>protection</em> laws, including the <em>Electronic</em> <em>Fund</em> <em>Transfer</em> Act ( EFTA )."]},"sort":[27.653627,"19378950"]},{"_index":"complaint-public-v1","_id":"20067366","_score":27.541067,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint against Chime Financial , Inc. for unauthorized withdrawals from my account and the improper use of my funds. \n\nChime has been removing money from my account without my permission and applying it toward balances or transactions that I did not authorize and was not aware of. I did not give consent for these withdrawals, and I did not agree to Chime taking funds from my account in this manner. \n\nThese actions constitute unauthorized electronic fund transfers and are a violation of the Electronic Fund Transfer Act ( EFTA ) and Regulation E, which require consumer authorization before funds can be electronically withdrawn from a bank account. \n\nChime does not have the right to remove money from my account without my consent. The funds that were taken were not authorized by me, and I did not approve any automatic deductions related to these transactions. \n\nBecause these withdrawals were unauthorized, I am demanding the immediate reimbursement of all funds that were taken from my account without my consent. \n\nI am requesting the following resolution : Immediate refund of all unauthorized funds withdrawn from my account. \nConfirmation that no further unauthorized deductions will occur. \nA correction to my account reflecting the reimbursement of these funds. \n\nIf Chime refuses to return these funds promptly, I am requesting that the CFPB review this matter as a potential violation of federal consumer protection laws related to unauthorized electronic fund transfers and unfair banking practices. \n\nThe unauthorized removal of consumer funds is unacceptable, and I expect this issue to be resolved immediately through reimbursement of the funds taken from my account.","date_sent_to_company":"2026-03-07T17:17:15.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"73505","tags":null,"has_narrative":true,"complaint_id":"20067366","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2026-03-07T17:12:55.000Z","state":"OK","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["These actions constitute <em>unauthorized</em> <em>electronic</em> <em>fund</em> <em>transfers</em> and are a violation of the <em>Electronic</em> <em>Fund</em> <em>Transfer</em> Act ( EFTA ) and Regulation E, <em>which</em> require consumer authorization before funds can be <em>electronically</em> withdrawn from a bank account. \n\nChime does not have the right to remove money from my account without my consent. The funds that were taken were not authorized by me, and I did not approve any automatic deductions related to these transactions."]},"sort":[27.541067,"20067366"]},{"_index":"complaint-public-v1","_id":"23010786","_score":26.801516,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am disputing an unauthorized electronic fund transfer under the Electronic Fund Transfer Act ( Regulation E ). The transfer was induced entirely by a phishing deception and fraudulent bank impersonation, meaning I did not give valid authorization. \n\nOn XXXX I received a call from a Wells Fargo smart caller ID number saying they were from the fraud department and said there was a suspicious XXXX transfer from my checking account for {$3500.00} and they were going to help me get it refunded. After a long process, they somehow convinced me that I had to simulate a {$3500.00} payment to the thief to complete the refund process. When questioned, they assured me that the account was frozen an locked and that the transaction would not go through but had to be done to continue to get the refund. I did as told and of course it was a scam.\n\nI informed Wells Fargo fraud department that I was targeted by a phishing scam, that Wells Fargo failed to protect my account, and that they refused to perform a proper investigation or assist you when you reported it. \n\nWells Fargo said it was not eligible for a fraud claim because I initiated the transfer, Even though I may have physically pressed the button to initiate the XXXX transfer, the Consumer Financial Protection Bureau ( CFPB ) maintains that transfers induced by a scammer impersonating a bank employee or utilizing a high-level phishing trick do not constitute legal authorization by the consume The transaction violates Regulation E because my intent was defrauded by an impostor.\n\nRegulation E ( 12 CFR Part 1005 ), which protects consumers against unauthorized electronic fund transfers should apply to my case.","date_sent_to_company":"2026-06-08T23:31:32.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"95127","tags":"Older American","has_narrative":true,"complaint_id":"23010786","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-06-08T21:27:15.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Regulation E ( 12 CFR Part 1005 ), <em>which</em> protects consumers <em>against</em> <em>unauthorized</em> <em>electronic</em> <em>fund</em> <em>transfers</em> should apply to my case."],"product":["Money <em>transfer</em>, virtual currency, or money service"],"sub_product":["Domestic (US) money <em>transfer</em>"]},"sort":[26.801516,"23010786"]},{"_index":"complaint-public-v1","_id":"19512964","_score":26.540909,"_source":{"product":"Checking or savings account","complaint_what_happened":"My name is XXXX XXXX. \nEmail : XXXX Phone : XXXX Account Number : XXXX Dispute ID : XXXX Company Name : XXXX XXXX XXXX Current Bank ) Product : Debit Card / Electronic Fund Transfers Issue : Unauthorized transaction dispute improperly denied I am filing this complaint against XXXX XXXX Bank, the issuing bank behind Current XXXX for XXXX to properly investigate and credit unauthorized electronic fund transfers totaling {$880.00}. \nAccount Number : XXXX Dispute ID : XXXX Date of Denial : XXXX On XX/XX/year>, XXXX debit card transactions were processed through XXXX : {$260.00} XXXX {$220.00} XXXX {$200.00} XXXX {$200.00} XXXX Total : {$880.00} I did not authorize these transactions and received no benefit from them. \nDuring the dispute process, I provided the bank with : Written confirmation from XXXX stating the transactions were unauthorized Written confirmation from XXXX that the account profile information did not match the cardholder information Screenshots and supporting documentation showing identity mismatch A written statement affirming I did not authorize these transfers Despite this evidence, XXXX XXXX Bank denied the dispute.\n\nUnder the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) and Regulation XXXX ( XXXX CFR XXXX ), a financial institution must conduct a reasonable investigation and may not hold a consumer liable for unauthorized electronic fund transfers. \nAn unauthorized electronic fund transfer is defined as XXXX initiated by a person other than the consumer without actual authority and from which the consumer receives no benefit. \nXXXX admitted in writing that : The transactions were unauthorized. \nThe profile information did not match the cardholder. \nXXXX XXXX Bank did not : Provide documentation showing how the transactions were deemed authorized Explain whether XXXX  written admission was reviewed Provide investigative findings supporting denial I am requesting : Immediate reconsideration and reimbursement of {$880.00} A written explanation of the investigative steps taken Copies of all documentation relied upon in denying the dispute Regulatory review of XXXX XXXX Banks handling of this Regulation XXXX claim This denial is causing financial hardship and housing instability. \nI am seeking regulatory intervention to ensure compliance with federal consumer protection law.","date_sent_to_company":"2026-02-15T12:08:13.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"716XX","tags":null,"has_narrative":true,"complaint_id":"19512964","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FinCo Services Inc DBA Current","date_received":"2026-02-15T11:58:42.000Z","state":"AR","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Under the <em>Electronic</em> <em>Fund</em> <em>Transfer</em> Act ( 15 U.S.C. 1693 ) and Regulation XXXX ( XXXX CFR XXXX ), a financial institution must conduct a reasonable investigation and may not hold a consumer liable for <em>unauthorized</em> <em>electronic</em> <em>fund</em> <em>transfers</em>. \nAn <em>unauthorized</em> <em>electronic</em> <em>fund</em> <em>transfer</em> is defined as XXXX initiated by a person other than the consumer without actual authority and from <em>which</em> the consumer receives no benefit. \nXXXX admitted in writing that : The transactions were <em>unauthorized</em>."]},"sort":[26.540909,"19512964"]},{"_index":"complaint-public-v1","_id":"21176387","_score":26.031857,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am submitting this complaint regarding a serious fraud incident and the failure of my financial institution to comply with federal consumer protection laws. \n\nI was the victim of a work-from-home employment scam in which I was sent a check to deposit for the stated purpose of purchasing work equipment. After depositing the check, it was later returned as fraudulent. \n\nAt the same time, my phone had been stolen, which resulted in unauthorized access to my XXXX account. Without my knowledge or consent, the following transactions were made : XX/XX/XXXX : {$4400.00} XX/XX/XXXX : {$540.00} These transactions were unauthorized electronic fund transfers. \n\nAs a direct result of this fraud, my account now reflects a negative balance. I promptly notified my bank and reported the fraud ; however, the bank has refused to reimburse me and is attempting to hold me liable for these unauthorized transactions. \n\nMy financial institution has failed to meet its obligations under federal law by : Failing to conduct a reasonable and timely investigation into unauthorized electronic fund transfers Failing to properly apply consumer protections that limit liability in cases of fraud Wrongfully placing the financial burden of fraudulent activity on me, the victim Additionally, XXXX failed to adequately safeguard my account against unauthorized access and transactions, raising serious concerns about their security and fraud prevention measures. \n\n\nIf this matter is not resolved promptly and in compliance with federal law, I am prepared to escalate this issue to additional regulatory agencies and pursue all available remedies.","date_sent_to_company":"2026-04-13T01:38:36.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"34208","tags":null,"has_narrative":true,"complaint_id":"21176387","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SUNCOAST CREDIT UNION","date_received":"2026-04-13T01:25:52.000Z","state":"FL","company_public_response":null,"sub_issue":"Bounced checks or returned payments"},"highlight":{"complaint_what_happened":["My financial institution has failed to meet its obligations under federal law by : Failing to conduct a reasonable and timely investigation into <em>unauthorized</em> <em>electronic</em> <em>fund</em> <em>transfers</em> Failing to properly apply consumer <em>protections</em> that limit liability in cases of fraud Wrongfully placing the financial burden of fraudulent activity on me, the victim Additionally, XXXX failed to adequately safeguard my account <em>against</em> <em>unauthorized</em> access and transactions, raising serious concerns about their security"]},"sort":[26.031857,"21176387"]},{"_index":"complaint-public-v1","_id":"8331256","_score":25.882927,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am writing to lodge a formal complaint against Navy Federal Credit Union regarding unauthorized electronic fund transfers from my account, which I believe falls under the protections provided by the Electronic Fund Transfer Act ( EFTA ). Despite my timely reporting of the unauthorized transactions, Navy Federal has not adhered to the EFTA 's stipulation that limits my liability to no more than {$50.00}. \n\nIn XX/XX/2024, I noticed several unauthorized transactions totaling {$3400.00} from my account with Navy Federal Credit Union. I did not authorize these transactions, nor did I share my account details or PIN with anyone. I reported these unauthorized transactions to Navy Federal within two days of noticing them, expecting to be protected under the EFTA.\n\nAfter reporting the unauthorized transactions, I received communication from Navy Federal stating that their investigation was complete and that I would be liable for the full amount of the unauthorized transactions, contrary to the protections afforded to me under the EFTA. Specifically, the EFTA states that if the financial institution is notified within two business days after the consumer learns of the loss or theft, the consumer 's liability is no more than {$50.00}.\n\nI have attempted to resolve this issue directly with Navy Federal Credit Union by [ list any actions you've taken : calls, emails, visiting a branch, etc. ], but to no avail. Their stance remains unchanged, and they have not provided a satisfactory explanation as to why the EFTA 's liability limit does not apply in my case. \n\nI am seeking the CFPB 's assistance in this matter for the following resolutions : A reevaluation of my case in accordance with the EFTA, specifically regarding the limitation of consumer liability to no more than {$50.00} for unauthorized electronic fund transfers reported within two business days.\n\nA full refund of the amounts charged over the {$50.00} liability limit as stipulated by the EFTA.\n\nAn explanation from Navy Federal Credit Union on their findings and rationale for their initial decision, along with corrective action to ensure compliance with federal regulations.\n\nYour intervention is crucial to rectify this situation and to uphold the consumer protections guaranteed by the EFTA. I look forward to your prompt response and resolution of this matter.","date_sent_to_company":"2024-02-12T23:08:48.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"85042","tags":null,"has_narrative":true,"complaint_id":"8331256","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-02-12T23:00:48.000Z","state":"AZ","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["I am writing to lodge a formal complaint <em>against</em> Navy Federal Credit Union regarding <em>unauthorized</em> <em>electronic</em> <em>fund</em> <em>transfers</em> from my account, <em>which</em> I believe falls under the <em>protections</em> provided by the <em>Electronic</em> <em>Fund</em> <em>Transfer</em> Act ( EFTA ). Despite my timely reporting of the <em>unauthorized</em> transactions, Navy Federal has not adhered to the EFTA 's stipulation that limits my liability to no more than {$50.00}."],"product":["Money <em>transfer</em>, virtual currency, or money service"],"issue":["<em>Unauthorized</em> transactions or other transaction problem"]},"sort":[25.882927,"8331256"]},{"_index":"complaint-public-v1","_id":"7990172","_score":25.851562,"_source":{"product":"Checking or savings account","complaint_what_happened":"I was incarcerated from XX/XX/2023 to XX/XX/2023 at XXXX XXXX XXXX XXXX. When I was arrested Police took my property including my debit card ending in XXXX and my cell phones and credit card. I was incarcerated the entire time pending trial. When released I checked my account and noticed I was missing XXXX due to someone using my debit card for the purposes of buying clothes and miscellaneous items online. When I noticed this I contacted XXXX XXXX who told me to put in a dispute which I did. I was denied but the agent told me that they didn't see my documents which included my property list and incarceration documents. So they told me to resubmit and add those documents which I have. I will attach the documents including the transactions. I am needing those funds reimbursed to me because since that it has put a heavy Hardship on me financially especially being I was just released from incarceration it hasn't been easy, and dealing with this has put a burden on my capabilities. Below are the following laws that should be adhered to and abided by in situations as such Electronic Fund Transfer Act ( EFTA ) : In the U.S., the EFTA provides consumers with certain rights, including protections against unauthorized electronic fund transfers. If a customer reports unauthorized transactions promptly, their liability for such transactions is limited.\n\nRegulation E : Under Regulation E, which implements the EFTA, banks are required to investigate and resolve errors related to electronic fund transfers, including cases of unauthorized transactions. Consumers typically have a limited time to report such errors. \n\n\nI reported this incident and I just want my funds returned to me. Ive done everything on my end","date_sent_to_company":"2023-12-12T15:47:45.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"30309","tags":null,"has_narrative":true,"complaint_id":"7990172","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2023-12-12T15:07:21.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Below are the following laws that should be adhered to and abided by in situations as such <em>Electronic</em> <em>Fund</em> <em>Transfer</em> Act ( EFTA ) : In the U.S., the EFTA provides consumers with certain rights, including <em>protections</em> <em>against</em> <em>unauthorized</em> <em>electronic</em> <em>fund</em> <em>transfers</em>. If a customer reports <em>unauthorized</em> transactions promptly, their liability for such transactions is limited."]},"sort":[25.851562,"7990172"]},{"_index":"complaint-public-v1","_id":"11663803","_score":25.77403,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"i am filing a formal complaint with the Consumer Financial Protection Bureau against Cash App and its parent company, Block , Inc., for inadequate service and unfair practices. Despite multiple attempts to resolve issues such as unauthorized transactions and missing funds, the company has failed to provide proper assistance or resolution. These actions appear to violate the Electronic Fund Transfer Act, which requires prompt investigation and resolution of errors, as well as the Federal Trade Commission Act, which prohibits unfair and deceptive business practices. I am requesting a full resolution, including a refund or compensation, and trust the CFPB will assist in addressing this matter.","date_sent_to_company":"2025-01-18T21:09:36.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"17603","tags":null,"has_narrative":true,"complaint_id":"11663803","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-01-17T19:42:04.000Z","state":"PA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["These actions appear to violate the <em>Electronic</em> <em>Fund</em> <em>Transfer</em> Act, <em>which</em> requires prompt investigation and resolution of errors, as well as the Federal Trade Commission Act, <em>which</em> prohibits unfair and deceptive business practices. I am requesting a full resolution, including a refund or compensation, and trust the CFPB will assist in addressing this matter."],"product":["Money <em>transfer</em>, virtual currency, or money service"],"sub_product":["Domestic (US) money <em>transfer</em>"]},"sort":[25.77403,"11663803"]},{"_index":"complaint-public-v1","_id":"11792461","_score":25.708673,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service, unauthorized fraudulent charges on my account, unfair practices which violates the Consumer Financial Protection Act. Specifically, Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act : Regulation E. These actions have caused significant inconvenience and financial loss.","date_sent_to_company":"2025-01-27T20:17:28.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"76227","tags":null,"has_narrative":true,"complaint_id":"11792461","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-01-27T20:01:18.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am filing a complaint <em>against</em> Cash App ( Block Inc ) due to inadequate customer service, <em>unauthorized</em> fraudulent charges on my account, unfair practices <em>which</em> violates the Consumer Financial <em>Protection</em> Act. Specifically, Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected."],"product":["Money <em>transfer</em>, virtual currency, or money service"],"sub_product":["Domestic (US) money <em>transfer</em>"]},"sort":[25.708673,"11792461"]},{"_index":"complaint-public-v1","_id":"9681871","_score":25.664124,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"IMMEDIATE ACTION DEMANDED : Formal Complaint Against XXXX and Chase Bank for Facilitating Fraudulent Transactions I am writing to demand immediate action and redress regarding a series of fraudulent transactions facilitated by XXXX and Chase Bank, which have resulted in significant financial losses. Despite my prompt reporting of these fraudulent activities, Chase Bank has dismissed my claims on the basis that the transactions were \" authorized. '' This response is wholly inadequate and represents a failure to protect my consumer rights under federal law. \n\nDetails of Fraudulent Transactions : XX/XX/XXXX : {$2500.00} XX/XX/XXXX : {$5000.00} XX/XX/XXXX : {$600.00} These transactions were executed via XXXX from my Chase business account. Despite my compliance with all necessary protocols to report these transactions as fraudulent, Chase Bank has neglected its duty to protect my assets and uphold my rights as a consumer. \n\nViolation of Federal Laws : The actions of XXXX and Chase Bank are in direct violation of the Electronic Fund Transfer Act ( EFTA ) and Regulation E, which mandate consumer protection against unauthorized and fraudulent electronic fund transfers. Specifically : EFTA Section 907 ( a ) : Prohibits unauthorized electronic fund transfers. \nRegulation E, Section 1005.11 : Requires financial institutions to investigate and resolve errors, including unauthorized transactions, within specified timeframes. \n\nThe blatant disregard for these legal protections by both XXXX and Chase Bank necessitates immediate rectification and accountability. \n\nDemands for Resolution : Comprehensive Investigation : A thorough and immediate investigation into the fraudulent transactions and the practices of XXXX and Chase Bank that facilitated this fraud. \nReversal of Fraudulent Transactions : Immediate restitution of the {$8100.00} lost due to these fraudulent transactions. \n\nEnhanced Security Measures : Implementation of robust security protocols to prevent similar incidents in the future. \n\nLegal Accountability : Pursuit of punitive measures against XXXX and Chase Bank for their failure to adhere to federal laws protecting consumers against fraud. \n\nSupporting Documentation : Enclosed are screenshots of communications and other relevant documentation evidencing the fraudulent nature of these transactions. \n\nConclusion : The negligence demonstrated by XXXX and Chase Bank in handling this matter is egregious and warrants immediate and decisive action. I expect the Consumer Financial Protection Bureau and the Office of the Comptroller of the Currency to uphold their mandate to protect consumers by taking swift and effective action to address this issue. Additionally, I ask for provisional credit to be considered during the investigation period, as outlined under Regulation E, to ensure that I can meet my ongoing financial commitments. \n\nI am prepared to provide further documentation and testimony as necessary to ensure justice is served and my financial losses are fully recovered.","date_sent_to_company":"2024-08-01T22:07:00.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"91016","tags":null,"has_narrative":true,"complaint_id":"9681871","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-08-01T21:17:47.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Violation of Federal Laws : The actions of XXXX and Chase Bank are in direct violation of the <em>Electronic</em> <em>Fund</em> <em>Transfer</em> Act ( EFTA ) and Regulation E, <em>which</em> mandate consumer <em>protection</em> <em>against</em> <em>unauthorized</em> and fraudulent <em>electronic</em> <em>fund</em> <em>transfers</em>. Specifically : EFTA Section 907 ( a ) : Prohibits <em>unauthorized</em> <em>electronic</em> <em>fund</em> <em>transfers</em>."],"product":["Money <em>transfer</em>, virtual currency, or money service"],"sub_product":["Domestic (US) money <em>transfer</em>"]},"sort":[25.664124,"9681871"]},{"_index":"complaint-public-v1","_id":"12908625","_score":25.60972,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am submitting this formal complaint against Block , Inc., the parent company of Cash App, for their failure to comply with federal consumer protection laws related to electronic fund transfers and fair dispute resolution processes.Cash App failed to take timely and effective measures to prevent and address fraud on their platform, which left my account vulnerable to unauthorized access and transactions. Despite promptly reporting the issue to Cash App, I received no response and no investigation was initiated.\n\nThis lack of action violates the error resolution procedures outlined under the Electronic Fund Transfer Act ( EFTA ) and its implementing regulation, Regulation E. Specifically, Cash App did not acknowledge or investigate the unauthorized transaction, nor did they issue any provisional credit or final resolution within the legally mandated timeframes. \nAdditionally, the failure to respond constitutes an unfair and deceptive practice under the Consumer Financial Protection Act ( CFPA ), as I was denied the protections and remedies guaranteed by law.\n\nDue to Cash Apps inaction, I experienced significant financial inconvenience and potential loss. The unauthorized access to my account could have been prevented or mitigated with proper fraud monitoring and customer service procedures.\n\nI respectfully request that the CFPB investigate this matter and take appropriate enforcement action to ensure that Cash App adheres to its obligations under federal consumer financial law. I also request that Cash App be required to compensate me for these infringements on my account ( s ) Thank you for your attention to this matter. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-04-10T01:57:24.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"75219","tags":"Servicemember","has_narrative":true,"complaint_id":"12908625","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-04-10T01:39:06.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am submitting this formal complaint <em>against</em> Block , Inc., the parent company of Cash App, for their failure to comply with federal consumer <em>protection</em> laws related to <em>electronic</em> <em>fund</em> <em>transfers</em> and fair dispute resolution processes.Cash App failed to take timely and effective measures to prevent and address fraud on their platform, <em>which</em> left my account vulnerable to <em>unauthorized</em> access and transactions."],"product":["Money <em>transfer</em>, virtual currency, or money service"],"sub_product":["Domestic (US) money <em>transfer</em>"]},"sort":[25.60972,"12908625"]},{"_index":"complaint-public-v1","_id":"20764278","_score":25.606192,"_source":{"product":"Checking or savings account","complaint_what_happened":"Consumer Financial Protection Bureau I am filing a complaint against Chime regarding their refusal to reimburse unauthorized transactions on my account. \n\nMy wallet was stolen, and shortly after, multiple unauthorized transactions were made to XXXX using my debit card information. I did not authorize these transactions and have never given anyone permission to use my account for gambling activity. \n\nThis was not an isolated incident. My separate bank account was also compromised and charged by XXXX, which clearly indicates that my financial information was stolen and used fraudulently across multiple accounts. \n\nI reported the unauthorized transactions immediately upon noticing them. Despite this, Chime denied my claim twice without providing sufficient evidence that the transactions were authorized by me. \n\nI requested that Chime provide any proof used in their decision, including IP address logs, device information, or authentication records, but this information has not been provided. \n\nUnder the Electronic Fund Transfer Act ( Regulation E ), I am entitled to protection from unauthorized electronic fund transfers. These transactions were not authorized by me, and I acted promptly in reporting them. \n\nI am also in the process of filing an identity theft report through the Federal Trade Commission and can provide supporting documentation, including a signed fraud affidavit. \n\nThese unauthorized transactions have caused financial harm, including overdraft issues on another account. \n\nI am requesting that Chime conduct a proper reinvestigation and reimburse me in full for the fraudulent charges. \n\nXXXX XXXX","date_sent_to_company":"2026-03-30T07:04:31.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"06451","tags":null,"has_narrative":true,"complaint_id":"20764278","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2026-03-30T06:56:45.000Z","state":"CT","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Under the <em>Electronic</em> <em>Fund</em> <em>Transfer</em> Act ( Regulation E ), I am entitled to <em>protection</em> from <em>unauthorized</em> <em>electronic</em> <em>fund</em> <em>transfers</em>. These transactions were not authorized by me, and I acted promptly in reporting them. \n\nI am also in the process of filing an identity theft report through the Federal Trade Commission and can provide supporting documentation, including a signed fraud affidavit."]},"sort":[25.606192,"20764278"]},{"_index":"complaint-public-v1","_id":"20617826","_score":25.32011,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a complaint regarding an unauthorized electronic funds transfer from my Chase bank account that was improperly denied. \nOn or about XX/XX/year>, my account was compromised as part of an account takeover. An unauthorized party gained access to my linked XXXX account and initiated transactions without my knowledge or consent. \nAs a result : Approximately {$28000.00} in cryptocurrency was transferred out of my XXXX account to an unknown external account. \nAn additional {$37000.00} was transferred from my Chase bank account to XXXX and used to purchase cryptocurrency without my authorization. \nI did not authorize these transactions, nor did I provide consent to any third party. This was not a voluntary payment or transfer. This was a clear case of unauthorized access and fraud. \nI reported the incident promptly upon discovery on XX/XX/year>, and took immediate action to secure my accounts. I had asked Chase to stop the pending transaction in the amount of {$35000.00} and was advised by the representative that they couldn't. I asked that at a minimum freeze my account to avoid further transaction which was also advised that they couldn't. An additional {$2000.00} and {$100.00} transactions were completed. I went into the XXXX XXXX branch on XX/XX/year> to file a formal claim and complaint against the representative that refused to freeze my account. The XXXX account was frozen and was unable to withdraw the available funds. The account has since then been un-frozen, however I was only able to recover {$14000.00} and the additional funds in the amount of {$22000.00} associated with the {$37000.00} transfer remain in the account in the form of cryptocurrency. \n\nDespite this, Chase denied my claim, incorrectly asserting that the transaction was authorized. This determination is inconsistent with the protections provided under the Electronic Fund Transfer Act ( Regulation E ), which covers unauthorized electronic fund transfers resulting from account compromise. \nThis situation meets the definition of an unauthorized transfer under Regulation E : The transfer was initiated by a third party without my authority It occurred after my credentials were compromised I received no benefit from the transaction I reported the issue within a reasonable timeframe","date_sent_to_company":"2026-03-26T14:24:28.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"92336","tags":null,"has_narrative":true,"complaint_id":"20617826","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-03-26T13:16:10.000Z","state":"CA","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["This determination is inconsistent with the <em>protections</em> provided under the <em>Electronic</em> <em>Fund</em> <em>Transfer</em> Act ( Regulation E ), <em>which</em> covers <em>unauthorized</em> <em>electronic</em> <em>fund</em> <em>transfers</em> resulting from account compromise."]},"sort":[25.32011,"20617826"]},{"_index":"complaint-public-v1","_id":"11629436","_score":25.279583,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am writing to complain about Cash Apps failure to take timely and effective measures to prevent address fraud on my account. Despite reporting the issue, the response was delayed and inadequate, allowing the fraud to continue and causing financial loss. This failure to address the matter promptly and effectively may violate the Consumer Financial Protection Act ( CFPA ) and the Electronic Fund Transfer Act ( EFTA ), which require financial institutions to safeguard consumers against unauthorized transactions and resolve disputes in a timely manner. I request an immediate investigation, a reversal of any unauthorized transactions, and improved fraud prevention measures. If the issue is not resolved promptly, I will escalate my concerns to the appropriate regulatory authorities for further action.","date_sent_to_company":"2025-01-19T03:52:16.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"55416","tags":null,"has_narrative":true,"complaint_id":"11629436","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-01-19T03:32:48.000Z","state":"MN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["This failure to address the matter promptly and effectively may violate the Consumer Financial <em>Protection</em> Act ( CFPA ) and the <em>Electronic</em> <em>Fund</em> <em>Transfer</em> Act ( EFTA ), <em>which</em> require financial institutions to safeguard consumers <em>against</em> <em>unauthorized</em> transactions and resolve disputes in a timely manner. I request an immediate investigation, a reversal of any <em>unauthorized</em> transactions, and improved fraud prevention measures."],"product":["Money <em>transfer</em>, virtual currency, or money service"],"sub_product":["Domestic (US) money <em>transfer</em>"]},"sort":[25.279583,"11629436"]},{"_index":"complaint-public-v1","_id":"18668357","_score":25.238785,"_source":{"product":"Credit card","complaint_what_happened":"Dear Wells Fargo Legal & Compliance Department, This letter constitutes a formal legal notice that Wells Fargo Bank , N.A . has violated the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and its implementing Regulation E ( 12 CFR Part 1005 ) by failing to properly investigate and resolve an unauthorized electronic fund transfer, despite having been provided with substantial documentary evidence. \n\nThis matter was previously escalated to the Consumer Financial Protection Bureau under CFPB Complaint No. XXXX, which Wells Fargo closed without correcting the underlying federal law violation described herein. The closure of that complaint does not relieve Wells Fargo of its statutory obligations under the Electronic Fund Transfer Act. \n\nI. TRANSACTIONS AT ISSUE The following electronic fund transfers are in dispute : - Dispute # XXXX {$1000.00} XXXX XXXX - Dispute # XXXX {$1000.00} XXXX XXXX Total amount : {$2000.00} The funds were received by XXXX XXXX, XXXX. \n\nXXXX. NO AUTHORIZATION FOR TRANSFER TO XXXX XXXX XXXX ( XXXX ) Although I initiated a payment believing it was made to the contracting party, I did not authorize any transfer to XXXX XXXX, a XXXX  legal entity. \n\nAll negotiations, representations, and contractual agreements were conducted exclusively with a different company XXXX XXXX ( XXXX ). At no point was I informed, disclosed to, or did I consent to the transfer of funds to a third-party legal entity located in XXXX. \n\nThe payment link provided to me displayed only the name XXXX, without disclosing : - that the recipient was a separate legal entity ; - that the recipient was located in a different jurisdiction ; - that funds would be routed to a third party not named in the contract.\n\nDue to the use of an identical business name, I was materially misled into believing the payment was being made to the same entity with which I had contracted.\n\nIII. MISREPRESENTATION VOIDS AUTHORIZATION UNDER REGULATION E Under 12 CFR 1005.2 ( m ), an electronic fund transfer is unauthorized if the consumer did not give valid authorization.\n\nAuthorization obtained through material misrepresentation of the merchants identity is legally invalid and voids consumer consent under Regulation E.\n\nAlthough the payment was initiated by me, my consent was obtained through deception and lack of disclosure, and therefore does not constitute valid authorization under federal law.\n\nThis is not a dispute regarding service quality.\n\nThis is a case of merchant identity deception resulting in an unauthorized third-party fund transfer.\n\nIV. WELLS FARGOS STATUTORY VIOLATIONS Wells Fargo has violated federal law by : 1. Misclassifying this matter as a service-related dispute rather than an unauthorized electronic fund transfer ; 2. Failing to conduct a lawful investigation under Regulation E despite receiving substantial evidence ; 3. Ignoring documented proof that I never authorized a transfer to XXXX XXXX ( XXXX ) ; 4. Improperly revoking provisional credits, contrary to 15 U.S.C. 1693f ; 5. Maintaining its denial even after escalation through CFPB Complaint No. XXXX, without curing the statutory violations. \n\nV. FOREIGN LITIGATION IS NOT A LEGAL REQUIREMENT I am a U.S. consumer with a U.S. bank account.\n\nThe funds were routed to a foreign entity without my authorization. \n\nFederal law does not require me to pursue litigation in XXXX or XXXX to obtain relief. \nThe Electronic Fund Transfer Act places the duty to investigate and reimburse unauthorized transfers on the financial institution, not on the consumer. \n\nVI. DEMAND FOR IMMEDIATE COMPLIANCE Pursuant to 15 U.S.C. 1693f and 12 CFR Part 1005, I hereby demand that Wells Fargo Bank , N.A . : 1. Reclassify this matter as an unauthorized electronic fund transfer under Regulation E ; 2. Conduct a lawful investigation in compliance with federal requirements ; 3. Permanently credit {$2000.00} back to my account.\n\nVII. NOTICE OF INTENT TO PURSUE LEGAL REMEDIES If Wells Fargo fails to comply within 10 business days, I will proceed with : - filing a new CFPB complaint citing continued violations of federal law ; - escalation to state and federal regulatory authorities ; - and legal action against Wells Fargo Bank , N.A . for violations of the Electronic Fund Transfer Act. \n\nThis letter serves as formal pre-litigation notice. \n\nSincerely, XXXX XXXX XX/XX/year>","date_sent_to_company":"2026-01-13T00:38:31.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"14580","tags":null,"has_narrative":true,"complaint_id":"18668357","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-01-13T00:29:50.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["This matter was previously escalated to the Consumer Financial <em>Protection</em> Bureau under CFPB Complaint No. XXXX, <em>which</em> Wells Fargo closed without correcting the underlying federal law violation described herein. The closure of that complaint does not relieve Wells Fargo of its statutory obligations under the <em>Electronic</em> <em>Fund</em> <em>Transfer</em> Act. \n\nI."]},"sort":[25.238785,"18668357"]},{"_index":"complaint-public-v1","_id":"11634549","_score":25.042274,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress to unauthorized transactions","date_sent_to_company":"2025-01-18T21:27:21.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"30161","tags":null,"has_narrative":true,"complaint_id":"11634549","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-01-18T21:23:31.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the <em>Electronic</em> <em>Fund</em> <em>Transfer</em> Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress to <em>unauthorized</em> transactions"],"product":["Money <em>transfer</em>, virtual currency, or money service"],"sub_product":["Domestic (US) money <em>transfer</em>"]},"sort":[25.042274,"11634549"]},{"_index":"complaint-public-v1","_id":"11858783","_score":25.037144,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"am writing to formally submit a complaint against Block Inc., the company that operates Cash App, regarding their failure to provide adequate customer service and resolve an issue involving stolen funds from my account. I have attempted numerous times to contact their support team without receiving timely or effective assistance. The company has failed to address my issue in accordance with consumer protection regulations and banking standards. \n\nDetails of the Issue : Stolen Funds : XXXX Lack of Customer Support : Despite multiple attempts to resolve the issue through Cash Apps in-app support, I have not been able to get in touch with a representative, and when I have, I was met with delayed responses or no resolution. The lack of accessible, responsive customer service has significantly impacted my ability to recover my stolen funds. \nFailure to Follow Consumer Protection Laws : As a consumer, I am entitled to timely and fair handling of my funds under the Electronic Fund Transfer Act ( EFTA ) and its implementing regulation Regulation E. Specifically, Regulation E provides that financial institutions must investigate and resolve disputes involving unauthorized electronic fund transfers within a reasonable time frame ( generally within 10 business days for preliminary findings ). Block Inc. ( Cash App ) has failed to adhere to these timelines and requirements.\n\nRelevant Laws and Regulations : Electronic Fund Transfer Act ( EFTA ) : Under this Act, consumers are protected from unauthorized electronic transfers. The EFTA requires that financial institutions promptly investigate unauthorized transactions and provide provisional credit within XXXX business days, which Cash App has failed to do in my case. \nRegulation E ( 12 C.F.R. 1005 ) : Regulation E governs the rights and responsibilities related to electronic funds transfers. According to this regulation, if a consumer reports an unauthorized transfer, the financial institution must investigate the matter and resolve the issue within a set period. Cash App has not followed these guidelines, as I have not received an adequate response or resolution in a timely manner. \nCFPB Consumer Protection Standards : The CFPB requires that financial institutions, including services like Cash App, follow fair and transparent practices when handling consumer complaints, disputes, and claims of fraud. The lack of timely support and resolution in my case seems to be a violation of these standards.\n\nResolution Requested : I am seeking a full investigation of this matter by the Consumer Financial Protection Bureau, as well as appropriate intervention with Block Inc. to ensure that my stolen funds are recovered and that the company complies with all consumer protection regulations. Additionally, I request that Cash App be held accountable for the failure to provide accessible and timely customer support, as well as failure to comply with the investigation and resolution timelines set forth under the law. \n\nI respectfully request that the CFPB take immediate action to hold Block Inc. accountable and ensure that this issue is resolved promptly. \n\nThank you for your attention to this matter. I look forward to your response and appreciate your help in ensuring that consumers ' rights are upheld. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-31T10:40:18.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"48174","tags":null,"has_narrative":true,"complaint_id":"11858783","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-01-31T10:10:33.000Z","state":"MI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Relevant Laws and Regulations : <em>Electronic</em> <em>Fund</em> <em>Transfer</em> Act ( EFTA ) : Under this Act, consumers are protected from <em>unauthorized</em> <em>electronic</em> <em>transfers</em>. The EFTA requires that financial institutions promptly investigate <em>unauthorized</em> transactions and provide provisional credit within XXXX business days, <em>which</em> Cash App has failed to do in my case. \nRegulation E ( 12 C.F.R. 1005 ) : Regulation E governs the rights and responsibilities related to <em>electronic</em> funds <em>transfers</em>."],"product":["Money <em>transfer</em>, virtual currency, or money service"],"sub_product":["Domestic (US) money <em>transfer</em>"]},"sort":[25.037144,"11858783"]},{"_index":"complaint-public-v1","_id":"12982880","_score":25.002089,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing a formal complaint against CashApp ( Block Inc. ) due to inadequate customer service and unfair practices that I believe violate both the Electronic Fund Transfer Act ( EFTA ) and the Consumer Financial Protection Act ( CFPA ).\n\nI experienced an unauthorized transaction on my CashApp account and immediately reported the issue through the proper channels. Despite doing so, I received either automated responses or no resolution, and my funds were not returned. CashApp failed to conduct a reasonable investigation or provide a timely response, as required by the EFTA ( 15 U.S.C. 1693 et seq. ), which protects consumers from losses due to unauthorized electronic fund transfers.\n\nAdditionally, CashApps lack of transparency, limited access to real customer support, and unexplained account restrictions reflect unfair, deceptive, and abusive acts or practices ( UDAAP ), in violation of the CFPA ( 12 U.S.C. 5531 ). I was not given clear guidance on how to dispute the transaction or restore access to my funds, resulting in financial hardship and unnecessary stress.\n\nI am seeking resolution and accountability for the mishandling of my dispute, the lack of proper communication, and the violation of my consumer rights under federal law.","date_sent_to_company":"2025-04-14T18:53:34.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"75115","tags":null,"has_narrative":true,"complaint_id":"12982880","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-04-14T18:42:46.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am filing a formal complaint <em>against</em> CashApp ( Block Inc. ) due to inadequate customer service and unfair practices that I believe violate both the <em>Electronic</em> <em>Fund</em> <em>Transfer</em> Act ( EFTA ) and the Consumer Financial <em>Protection</em> Act ( CFPA ).\n\nI experienced an <em>unauthorized</em> transaction on my CashApp account and immediately reported the issue through the proper channels. Despite doing so, I received either automated responses or no resolution, and my funds were not returned."],"product":["Money <em>transfer</em>, virtual currency, or money service"],"sub_product":["Domestic (US) money <em>transfer</em>"]},"sort":[25.002089,"12982880"]},{"_index":"complaint-public-v1","_id":"11607432","_score":24.94845,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing this complaint against Cash App ( operated by Block , Inc. ) due to their inadequate customer service, unfair practices, and failure to comply with federal laws that protect consumers from fraud and financial harm. These failures violate the Consumer Financial Protection Act ( CFPA ), the Electronic Fund Transfer Act ( EFTA ), and Regulation E.\n\nSpecifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform. Despite their obligation to implement reasonable security measures to protect customer accounts, my account was left vulnerable and unprotected, which resulted in unauthorized transactions.\n\nMoreover, their dispute resolution process was unfair, deceptive, and noncompliant with the error resolution requirements under the EFTA and Regulation E. Regulation E mandates that financial institutions must investigate and resolve errors involving electronic fund transfers promptly, typically within 10 business days. Cash App failed to meet these requirements by either not conducting a thorough investigation or by dismissing my claim without adequate justification.\n\nUnder the EFTA and Regulation E, consumers are entitled to dispute unauthorized electronic fund transfers and seek reimbursement when fraud is reported in a timely manner. I notified Cash App promptly about the fraudulent activity on my account and provided all necessary details to support my claim. Despite this, Cash App has failed to provide the reimbursement I am entitled to under the law.\n\nThese actions have caused significant financial loss and inconvenience. I request the following : Immediate reimbursement for the unauthorized transactions, as required under the EFTA and Regulation E.\n\nA detailed explanation of their investigation process and justification for their decision.\n\nImplementation of stronger fraud prevention measures to ensure other consumers are not similarly affected.\n\nI trust that regulatory authorities will investigate Cash App 's practices to ensure compliance with federal laws and protect consumers from further harm","date_sent_to_company":"2025-01-21T02:53:42.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"89122","tags":null,"has_narrative":true,"complaint_id":"11607432","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-01-21T02:37:08.000Z","state":"NV","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am filing this complaint <em>against</em> Cash App ( operated by Block , Inc. ) due to their inadequate customer service, unfair practices, and failure to comply with federal laws that protect consumers from fraud and financial harm. These failures violate the Consumer Financial <em>Protection</em> Act ( CFPA ), the <em>Electronic</em> <em>Fund</em> <em>Transfer</em> Act ( EFTA ), and Regulation E.\n\nSpecifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform."],"product":["Money <em>transfer</em>, virtual currency, or money service"],"sub_product":["Domestic (US) money <em>transfer</em>"]},"sort":[24.94845,"11607432"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":503,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":503}]}},"product":{"doc_count":503,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":195,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":180},{"key":"Savings account","doc_count":9},{"key":"Other banking 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