{"took":91,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":100,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6151372","_score":24.700958,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Following was sent to the credit card company, the CHASE Credit Card for South West Rapid Rewards on XX/XX/2022 with Certified Mail to the address shown on the 2nd page of the monthly bill where it says \" What to do If You Think You Find A Mistake On Your Statement '', since then they have not replied at all. \n\nThis is to inform you that there is an error in the billing statement dated XX/XX/2022 on my South West Rapid Rewards Credit Card due on XX/XX/2022 which I am disputing. It should be resolved immediately upon receipt of this dispute letter. \n\nI have made two on line purchases with a PO number XXXX from XXXX XXXX XXXX on XX/XX/2022 which is shown on the attached XXXX XXXX XXXX XXXX. It clearly shows on this document I was charged in the amount of {$920.00} which included the sales tax for the two items. Cost of each item before sales tax was {$390.00} and {$440.00} each. After adding the sales tax cost of the purchase was {$430.00} and {$490.00} for each item yielding to the total purchase amount of {$920.00}. \n\nShortly after receipt of these on line items I have returned one of the items back to XXXX XXXX in person as shown on the VISA Statement in the amount of - {$430.00}. However, this amount for the returned item has not been deducted from the total balance due. Both purchase and returned items fall within the same statement period. Therefore, there is a serious error in the statement that I have received, dated due date of XX/XX/2022, this statement did not apply the returned item of - {$430.00} as credit. Yes, it shows it has been returned as - {$430.00} in the statement but it has not been applied as credit against the total purchase amount of {$920.00} and hasnt been deducted from {$920.00}. Total balance on this statement should have been {$490.00}.","date_sent_to_company":"2022-11-01T23:22:26.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"95037","tags":null,"has_narrative":true,"complaint_id":"6151372","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-11-01T22:39:38.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Following was sent to the credit card company, the CHASE Credit Card for South West Rapid Rewards on XX/XX/2022 with Certified Mail to the address shown on the 2nd page of the monthly bill where it says \" What to do If You Think You Find A Mistake On Your Statement '', since then they have not replied at all. \n\nThis is to inform you that there is an error in the billing statement dated XX/XX/2022 on my South West Rapid Rewards Credit Card due on XX/XX/2022 which I am disputing."],"product":["Credit card or prepaid card"],"issue":["Problem with a purchase shown on your statement"],"sub_product":["General-purpose credit card or charge card"],"sub_issue":["Credit card company isn't resolving a dispute about a purchase on your statement"]},"sort":[24.700958,"6151372"]},{"_index":"complaint-public-v1","_id":"2930814","_score":23.167677,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I had a Dispute with XXXX XXXX XXXX XXXX, which took almost 5 months to resolve. After sending numerous dispute letters to the company, they finally credited back the amount of the item that was purchased, that was never recieved. The company never resolved it, until i filed a CFPB complaint to get it resovle. \n\nComplaint number : XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : Credit card or prepaid card Issue : Problem with a purchase shown on your statement During this 5 months process, my account incurreced Fee 's each month, finance fee 's, which isn't allowed while my dispute in being handled. This company is not following FCRA guidelines in regards to my dispute. Also they are failing to even investigate the dispute with due diligence causing these fee 's. So, after they finally removed all charges that were under dispute, XXXX XXXX XXXX XXXX left the Finance charges and then have reported it negatively to my Credit reports. This isn't correct. I've attached all dispute letters in reference to this.","date_sent_to_company":"2018-06-08T20:05:03.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32065","tags":null,"has_narrative":true,"complaint_id":"2930814","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2018-06-08T19:42:19.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : Credit card or prepaid card Issue : Problem with a purchase shown on your statement During this 5 months process, my account incurreced Fee 's each month, finance fee 's, which isn't allowed while my dispute in being handled. This company is not following FCRA guidelines in regards to my dispute. Also they are failing to even investigate the dispute with due diligence causing these fee 's."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"sub_product":["Credit reporting"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[23.167677,"2930814"]},{"_index":"complaint-public-v1","_id":"6260291","_score":20.667068,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have received a reply from CHASE credit card services from the Credit Service Specialist, XXXX regarding my \" cfpb '' complaint ID XXXX. As of today, XX/XX/2022 my dispute of {$430.00} is not resolved. \n\nHere is the full description of my dispute that I have written back to CHASE. The problem is on CHASE, they did not correctly credited the disputed amount of {$430.00} into my credit balance. \n\nXXXX Cardmember Service Specialist XXXX XXXX XXXX XXXX, DE XXXX Dear Customer Service Specialist XXXX, This is to inform you that I have received your reply dated XX/XX/2022 regarding my dispute. As you said in your reply I should be able to see the credit of {$430.00} online in my account. As of today, on XX/XX/2022 I Did not see any refund of {$430.00} in my account. I have just downloaded the XX/XX/2022 Statement it does not show any correction of - {$430.00} in my CHASE Credit Card Balance. \n\nHere I have to summarize one more time to point out that the error is made by CHASE. \nAttached you will find copies of XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022 with my hand written notes. \n\nXXXX ) The XX/XX/2022 Statement : This statement shows the total purchase from XXXX XXXX XXXX XXXX as verified in your XX/XX/2022 letter. In addition, this statement also shows the amount of - {$430.00} was returned to XXXX XXXX XXXX XXXX. However, {$430.00} refund shown by XXXX XXXX XXXX XXXX was not credited, was not deducted in my XX/XX/2022 statements total balance. The total balance that I owe to CHASE still bills me the full {$920.00} total purchase that I made from XXXX XXXX XXXX XXXX. The balance of XX/XX/2022 statement should have been {$560.00} after crediting the {$430.00}. \nI have paid {$560.00} for my true /valid purchases that applies towards purchases made from XXXX XXXX XXXX XXXX before the XX/XX/2022 statements due date and leaving {$430.00} unpaid with an expectation that CHASE to correct the error and apply the amount of - {$430.00} on my credit balance. \n\n2 ) The XX/XX/2022 Statement : This Statement shows the payment of XXXX that I have made but never and never shows the amount of - {$430.00} which should have been credited towards my CHASE credit card balance. \n\n3 ) The XX/XX/2022 Statement : This statement still shows my unpaid {$430.00} which should have been credited by CHASE for the items returned back to XXXX XXXX XXXX XXXX. As of this statement CHASE still did not credited the - {$430.00} to my balance. Instead it shows a credit of - {$50.00} leaving {$380.00} balance in account As a summary I do not owe any further balance to CHASE, instead CHASE owes me {$430.00}. \n\n\nThanks for your attention in this matter. \nXXXX XXXX CC : Consumer Finance Protection Bureau","date_sent_to_company":"2022-11-30T22:06:45.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"95037","tags":null,"has_narrative":true,"complaint_id":"6260291","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-11-30T21:26:20.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I have received a reply from CHASE credit card services from the Credit Service Specialist, XXXX regarding my \" cfpb '' complaint ID XXXX. As of today, XX/XX/2022 my dispute of {$430.00} is not resolved. \n\nHere is the full description of my dispute that I have written back to CHASE. The problem is on CHASE, they did not correctly credited the disputed amount of {$430.00} into my credit balance."],"product":["Credit card or prepaid card"],"issue":["Problem with a purchase shown on your statement"],"sub_product":["General-purpose credit card or charge card"],"sub_issue":["Credit card company isn't resolving a dispute about a purchase on your statement"]},"sort":[20.667068,"6260291"]},{"_index":"complaint-public-v1","_id":"3368914","_score":20.568996,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Complaint Number XXXXStep 1What product or service is your complaint about?Step 2What type of problem are you having?(https://www.consumerfinance.gov/)Submit a complaint / Complaint filedPRODUCT OR SERVICECredit card or prepaid cardTYPEGeneral-purpose credit card or charge cardISSUEProblem with a purchase shown on your statementHAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY?YesTYPE OF ISSUECredit card company isn't resolving a dispute about a purchase on your statementXX/XX/ Complaint Printhttps://complaint.consumerfinance.gov/submit-a-complaint/s/complaint-print?sessionid=XXXX... XXXXStep 3What happened?Last month the above took out a debt consolidation loan with a company by the name ofXXXX XXXX account was approved for XXXX as a line of credit and about the 25th of last\n\nmonth the above issued check from his XXXX account in the amount of $XXXX. mailedthe check with his monthly credit card statement to XXXX less than 48 hours XXXX hadcredited the amount of the check to the above credit card and available balance , afterabout 10 days there became a problem with that check that was deposited and then whenthe above made contact with XXXX XXXX XXXX to ask them why they did not Institute aHold on said check in order to verify funds before accrediting my account they said they donot verify checks, after speaking with my account representative at XXXX XXXX heinforms me that after XX/XX/XXXX With XXXX XXXX XXXX problem all federal and state institutionsare required to verify accounts if they are above $1000. Therefore if XXXX had placed ahold on said check and then said check had a problem then the only issue between thecustomer and the bank would be a returned check fee not a account overdrawn fee?XXXX XXXX feels XXXX is negligent and therefore XXXX feels that they do nothave to pay for XXXX mistakesWhat would be a fair resolution to this issue?no fees and no negative information on credit filesStep 4What company is this complaint about? I want the CFPB to publish this description on consumerfinance.gov","date_sent_to_company":"2019-09-10T12:27:27.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"34472","tags":null,"has_narrative":true,"complaint_id":"3368914","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-09-10T12:16:54.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["YesTYPE OF ISSUECredit card company isn't resolving a dispute about a purchase on your statementXX/XX/ Complaint Printhttps://complaint.consumerfinance.gov/submit-a-complaint/s/complaint-print?sessionid=XXXX... XXXXStep 3What happened?"],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[20.568996,"3368914"]},{"_index":"complaint-public-v1","_id":"8423868","_score":20.395493,"_source":{"product":"Credit card","complaint_what_happened":"In XX/XX/XXXX, I applied for a Home Depot credit card while shopping at the XXXX XXXX XXXX. I never received the credit card in the mail but one month later I got three fraudulent charges on the statement. \n\nThree Fraudulent charges are : 1. XX/XX/XXXX Hardware purchase {$250.00} 2. XX/XX/XXXX Hardware purchase {$500.00} 3. XX/XX/XXXX Electrical and Lighting {$110.00} The XXXX Home Depot store was not even able to find the three transactions in its system. \n\nOn XX/XX/XXXX after receiving the first statement showing the fraudulent charges, I called the Home Depot Credit Card Customer Services immediately and filed a dispute. XXXX, the customer service, canceled the credit card and provided a case number for this claim. \n\nIn XX/XX/XXXX I received a statement for a different credit card account for the same three fraudulent charges. I called the Credit Card Service again. XXXX, the service representative told me Home Depot transferred the charges from the closed credit card account to this credit card. I do not even have that credit card. XXXX reopened the case for further investigation and asked me to call back. \n\nOn XX/XX/XXXX, I called the Home Depot Security Operations and talked to XXXX who said the second account is still active but I told her I do not even have a credit card with Home Depot for that account. XXXX also informed me that one more account under my name is still active. I don't have those three Home Depot credit cards at all. XXXX closed the second and the third credit card account and gave me a confirmation number # XXXX. \n\nOn XX/XX/XXXX, I received another statement with the same three fraudulent charges {$860.00}, plus fees {$29.00} and interest charge {$5.00} totaling {$900.00}. These charges showed up on the account I had closed with the confirmation number of # XXXX. \n\nHow could Home DepoXXXX transfer the fraudulent charges to accounts that had been closed? \n\nIn summary, the credit card I applied but never received had fraudulent purchases that I did not authorize in XX/XX/XXXX. The three fraudulent charges were transferred to a different credit card in late XXXX and then transferred to another credit card. \n\nAll the facts shown above are proofs of serious identity theft and credit card frauds. I have tried to resolve this matter for over 6 months, but XXXX XXXX still claims I am responsible for the fraudulent charges. \n\nYour help on resolving this issue would be highly appreciated.","date_sent_to_company":"2024-02-26T23:47:28.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"98105","tags":null,"has_narrative":true,"complaint_id":"8423868","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-02-26T23:10:14.000Z","state":"WA","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":["Your help on resolving this issue would be highly appreciated."],"product":["Credit card"],"issue":["Problem with a purchase shown on your statement"],"sub_product":["General-purpose credit card or charge card"],"sub_issue":["Card was charged for something you did not purchase with the card"]},"sort":[20.395493,"8423868"]},{"_index":"complaint-public-v1","_id":"16741298","_score":20.021734,"_source":{"product":"Credit card","complaint_what_happened":"* * Company : * * Goldman Sachs Bank USA ( Apple Card ) * * Product : * * Credit card or prepaid card - General-purpose credit card or charge card * * Issue : * * Problem with a purchase shown on your statement - Credit card company isnt resolving a dispute about a purchase on your statement * * Date of incident : * * XX/XX/year> * * Amount : * * {$78.00} * * Detailed description : * * On XX/XX/year>, I was charged {$78.00} by XXXX for an annual subscription that I did not authorize or intend to purchase. I had previously used XXXX during a free trial period for a single use and was unaware that a paid subscription would automatically renew. \n\nI discovered this unauthorized charge on XX/XX/year>, and immediately took the following steps : XXXX. Within XXXX hours, I requested a refund through Apples standard refund process - DENIED XXXX. I submitted a second refund request with detailed explanation - DENIED XXXX. I contacted XXXX XXXX by phone and explained the situation - They stated they could not help XXXX. I filed a dispute with Goldman Sachs XXXX Apple Card issuer ) explaining this was an unauthorized recurring charge - REJECTED XXXX. I filed a second dispute with Apple Card - REJECTED again XXXX. An Apple Card agent informed me this case is closed I believe my disputes were wrongfully denied for the following reasons : - I only used XXXX once during the free trial period and have not accessed any paid features since the charge occurred - I did not knowingly authorize an annual {$78.00} subscription - I reported the unauthorized charge within XXXX hours of discovery - I have received no value or benefit from this subscription - As a consumer, I have the right to dispute unauthorized recurring charges Goldman Sachs has failed to properly investigate my dispute and has denied me basic consumer protections under the Fair Credit Billing Act. Despite providing clear evidence that this was an unintended auto-renewal that I caught immediately, both Apple and Goldman Sachs have refused to issue a refund. \n\nI am requesting that the CFPB investigate this matter and require Goldman Sachs to properly review my dispute and issue the {$78.00} refund that I am entitled to receive.","date_sent_to_company":"2025-10-23T00:26:50.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"984XX","tags":null,"has_narrative":true,"complaint_id":"16741298","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2025-10-23T00:21:09.000Z","state":"WA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["* * Company : * * Goldman Sachs Bank USA ( Apple Card ) * * Product : * * Credit card or prepaid card - General-purpose credit card or charge card * * Issue : * * Problem with a purchase shown on your statement - Credit card company isnt resolving a dispute about a purchase on your statement * * Date of incident : * * XX/XX/year> * * Amount : * * {$78.00} * * Detailed description : * * On XX/XX/year>, I was charged {$78.00} by XXXX for an annual subscription that I did not authorize or intend to"],"product":["Credit card"],"issue":["Problem with a purchase shown on your statement"],"sub_product":["General-purpose credit card or charge card"],"sub_issue":["Credit card company isn't resolving a dispute about a purchase on your statement"]},"sort":[20.021734,"16741298"]},{"_index":"complaint-public-v1","_id":"13212068","_score":19.95444,"_source":{"product":"Credit card","complaint_what_happened":"I'm wondering why Citi has threatened me with \" to report your account as past due to the consumer reporting agencies listed below if we do not receive the minimum payment by the due date shown on your billing statement. '' My account has never been past due during the entire time of this dispute, and the fact that Citi is stating otherwise is absurd. This statement, \" Because you disagree with the resolution of your dispute, we previously requested the reporting agencies add a note to your credit profile stating that the information is disputed by the consumer. This statement from Citi \" will remain in place until your outstanding account balance is paid in full. Should you wish to have the disputed by the consumer note removed from your credit profile, it will be necessary for you to contact us at the address listed above. '' This seems extremely hostile and unnecessary. Citi is not upholding its agreement on the initial resolution. I was specifically offered a {$250.00} credit to my account. I thought Citi would get my full purchase amount back based on a letter stating that they were in the process of a resolution with the other bank. They are saying now that they can not provide the credit and are only giving a {$100.00} credit that I can not use until XXXX of next year. It is pretty clear that Citi couldn't care less about my relationship with them and has taken every action necessary to provide the worst customer service to resolve this issue. I thought I could rely on them to do what they said they would do at the bare minimum. Instead, they chose to threaten me by reporting my account as past due, which it is not and has never been since I opened the card in XXXX. Of course, I want the note removed from my credit profile because there was never a reason to add it.","date_sent_to_company":"2025-04-28T22:42:02.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"93906","tags":"Servicemember","has_narrative":true,"complaint_id":"13212068","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-04-28T22:23:51.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["This statement, \" Because you disagree with the resolution of your dispute, we previously requested the reporting agencies add a note to your credit profile stating that the information is disputed by the consumer. This statement from Citi \" will remain in place until your outstanding account balance is paid in full."],"product":["Credit card"],"issue":["Problem with a purchase shown on your statement"],"sub_product":["General-purpose credit card or charge card"],"sub_issue":["Credit card company isn't resolving a dispute about a purchase on your statement"]},"sort":[19.95444,"13212068"]},{"_index":"complaint-public-v1","_id":"15307335","_score":19.711535,"_source":{"product":"Credit card","complaint_what_happened":"Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, D.C. XXXX Subject : Complaint Regarding Denied Credit Card Dispute Dear CFPB, I am submitting a complaint regarding a hairpiece I purchased from XXXX XXXX XXXX XXXX late XXXX, XXXX. I paid extra for a lace front and a specific base ( a 9 \" x 9 '' ), but the product I received was the wrong size ( 7 '' x 9 '' way too small ), lacked the requested base ( wrong construction ), and was delivered far beyond the promised time frame. 5 months instead of 60 days. approx XXXX XXXX. Photos provided to me during production was not what was received. As shown in the files uploaded. The seller refused to provide a replacement or refund, citing an all sales final policy, which does not legally override my right to receive the item as described. \n\nI filed a dispute with my credit card company for the amount of {$990.00} and provided documentation proving the item was defective and incomplete. The credit card company denied my dispute, citing the sellers all sales final policy, despite clear evidence that the product I received was not what I paid for. \n\nI request that the CFPB investigate this matter and require the credit card company to fairly resolve the dispute, including issuing a full refund. Enclosed are all supporting documents : order confirmation, seller communications, the sellers invoice, and credit card statements. \n\nThank you for your prompt attention to this matter and for enforcing consumer protections. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-08-15T22:37:58.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"96001","tags":null,"has_narrative":true,"complaint_id":"15307335","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-08-15T21:53:00.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["The credit card company denied my dispute, citing the sellers all sales final policy, despite clear evidence that the product I received was not what I paid for. \n\nI request that the CFPB investigate this matter and require the credit card company to fairly resolve the dispute, including issuing a full refund. Enclosed are all supporting documents : order confirmation, seller communications, the sellers invoice, and credit card statements."],"product":["Credit card"],"issue":["Problem with a purchase shown on your statement"],"sub_product":["General-purpose credit card or charge card"],"sub_issue":["Credit card company isn't resolving a dispute about a purchase on your statement"]},"sort":[19.711535,"15307335"]},{"_index":"complaint-public-v1","_id":"5399254","_score":18.95637,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I purchased a mattress from Mattress Firm in XX/XX/XXXX. The promotion offered was interest-free financing for purchases over {$2500.00}, with no expiration date. Monthly payments were {$29.00} and Synchrony Bank financed the purchase. \n\nMy XX/XX/XXXX and XX/XX/XXXX statement reflect this. Then a steady increase in monthly payments can be seen from XX/XX/XXXX through XX/XX/XXXX. {$90.00} is the new minimum amount due. \n\nWhen I asked about these everchanging minimum payments with customer service, I was told costs would revert to {$29.00} monthly once credits were applied to my account. This did not happen and today, XX/XX/XXXX, I was told the monthly {$90.00} is because my promotional offer required repayment in 36 months, and my new monthly payment would be {$90.00} going forward. \n\nThe promotional offer I accepted was 0 % interest until the item was paid off. On my statement ( s ) in the Promotional Purchase Summary, Promotional Expiration Date displays UNTIL PAID OFF on the same page ; at the bottom, it also states No Expiration Date ''. Billing statements from XX/XX/XXXX to the present show the same. If the promotion were for 36 months or any other period, it would be reflected on my statements, and its not. Further, this can be seen on Synchronys website instructing customers How to Read a Statement. \n\nThis change in minimum payment appears to have occurred after I disputed the charge, only resolved after I filed a complaint. I was told by customer service today, when you canceled Card Security and filed a dispute, you accepted a 36-month promotional offer. I most certainly did not! Why would I agree to a new promotional period that tripled my minimum monthly payment and if I did, why isnt it showing on my statement? \n\nI requested that Synchrony Bank adjust my account to reflect the promotional offer I accepted accurately, the one shown on my statement for the past six months with a {$29.00} minimum monthly payment until the item is paid off, with no expiration date. They have refused so I am asking for your assistance. This feels like a bait & switch. \n\nI have attached my XX/XX/XXXX statement and XX/XX/XXXX. I have additional documentation if needed","date_sent_to_company":"2022-04-07T15:26:49.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"025XX","tags":null,"has_narrative":true,"complaint_id":"5399254","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2022-04-02T20:17:06.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["This change in minimum payment appears to have occurred after I disputed the charge, only resolved after I filed a complaint. I was told by customer service today, when you canceled Card Security and filed a dispute, you accepted a 36-month promotional offer. I most certainly did not! Why would I agree to a new promotional period that tripled my minimum monthly payment and if I did, why isnt it showing on my statement?"],"product":["Credit card or prepaid card"],"issue":["Problem with a purchase shown on your statement"],"sub_product":["Store credit card"],"sub_issue":["Credit card company isn't resolving a dispute about a purchase on your statement"]},"sort":[18.95637,"5399254"]},{"_index":"complaint-public-v1","_id":"10729569","_score":18.788128,"_source":{"product":"Credit card","complaint_what_happened":"XX/XX/XXXX Hello, I am having an issue with Discover Card charging me for interest charges improperly and would appreciate your input, advice, or any help you might provide to resolve this issue. \n\n1 ) On XX/XX/XXXX I took advantage of an offer from Discover Card to transfer a balance of {$7900.00} from another card. I paid a one-time fee of {$230.00} to make the transfer. The interest rate was to be 0 % for a period of up to 18 months. \n\n2 ) Monthly Payments were due on the XXXX of each month and I began making the payments XX/XX/XXXX. \n\n3 ) For some reason ( unknown but I am not blaming discover card for this ), I missed the payment that was due on XX/XX/XXXX 4 ) Discover card sent me a reminder email XX/XX/XXXX ( copied below ) and I sent the payment in late. I noticed their email had a note at the bottom offering a way to Never miss another payment again. \n\n\" Just a reminder, you missed your payment. '' \" Never miss another payment again '' \" Automatic Payments help you pay your Discover Card bill on time, every time. Try '' \" the free service that automatically withdraws your monthly payment '' 5 : I decided to take advantage of this program and allow Discover Card to control payments directly from my bank account. \n\n6 : I signed up for the program immediately and received a notice informing me I was enrolled in the program : 7 : All seemed to be working. I would begin receiving email notices like these below that indicated to me that all was working properly. \nThe payments were shown as being posted on the proper due date. \n\n\" You're making automatic payments \" On XX/XX/XXXX your automatic payment will be processed from your bank '' \" account ending in XXXX '' \" Thanks for your payment '' \" Your payment of {$190.00} posted to your account on XX/XX/XXXX ''. \n\n8 : I was satisfied everything was set up and working so I didnt have to worry about making payments on time. I continued to let Discover Card make my payments automatically. \n\n9 : Prior to the XX/XX/XXXX payment due date, I paid off the entire balance due ( {$8300.00} ). \n\n10 : The next statement I received showed that although Discover had in fact received the full payment in time of the XX/XX/XXXX payment due date, for some reason they were charging me an additional {$100.00} for interest. I disputed this charge with them and removed their ability to take money directly from my bank account. \n\n11 : I began to review previous statements carefully and was horrified to find that Discover had been including an interest charge along with each payment, for each and every month that they had control of the automatic withdrawals from my bank account. ( This was the specific thing that they advertised would never again happen once I had signed up for automatic withdrawals! ). I dont understand why there would be any interest charge in any case ( since the terms were 0 % interest for 18 months ), in addition to the fact that Discover had direct control of the timing of the withdrawals ). \n\n12 : I have asked Discover Card for refunds off all past interest charges beginning with the XX/XX/XXXX statement. The total amount I am asking for is {$1000.00} as shown below ). I have communicated with them via their website on XX/XX/XXXX, and also with certified postal mail on XX/XX/XXXX. I have no relevant response from them. \n\nThe charges I am asking to be returned to me are listed below. All of these are interest payments I believe to be charged improperly. \n\nAgain, the timing of each payment was determined by, and under the control of Discover Card using their automatic withdrawal method. \nThis was totally contrary to the automatic withdrawal program as advertised. \n( Additionally, as far as I can tell, all payments were posted by their due date ). \n\n\nXX/XX/XXXX XX/XX/XXXX INTEREST CHARGE ON PURCHASES XXXX Interest XX/XX/XXXX XX/XX/XXXX INTEREST CHARGE ON PURCHASES XXXX Interest XX/XX/XXXX XX/XX/XXXX INTEREST CHARGE ON PURCHASES XXXX Interest XX/XX/XXXX XX/XX/XXXX INTEREST CHARGE ON PURCHASES XXXX Interest XX/XX/XXXX XX/XX/XXXX INTEREST CHARGE ON PURCHASES XXXX Interest XX/XX/XXXX XX/XX/XXXX INTEREST CHARGE ON PURCHASES XXXX Interest XX/XX/XXXX XX/XX/XXXX INTEREST CHARGE ON PURCHASES XXXX Interest XX/XX/XXXX XX/XX/XXXX INTEREST CHARGE ON PURCHASES XXXX Interest XX/XX/XXXX XX/XX/XXXX INTEREST CHARGE ON PURCHASES XXXX Interest XX/XX/XXXX XX/XX/XXXX INTEREST CHARGE ON PURCHASES XXXX Interest XX/XX/XXXX XX/XX/XXXX INTEREST CHARGE ON PURCHASES XXXX Interest XX/XX/XXXX XX/XX/XXXX INTEREST CHARGE ON PURCHASES XXXX Interest XX/XX/XXXX XX/XX/XXXX INTEREST CHARGE ON PURCHASES XXXX Interest XX/XX/XXXX XX/XX/XXXX INTEREST CHARGE ON PURCHASES XXXX Interest TOTAL XXXX XXXX : In addition, I find this record of late payments has negatively impacted my credit rating. I dont know how to fix this or to be compensated for it. \n\n\nNote : I have soft-copies of all statements and email communications I can provide upon request. I have attached the first 3 statements with an interest charge ( included the first one that may have been due to my error ), as well as the last statement where I seem to have already paid the balance in full, but was still being charged an interest payment. \n\nThank you for any help or advice you can provide in this matter. \nSincerely,","date_sent_to_company":"2024-11-08T23:44:43.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"20112","tags":"Older American","has_narrative":true,"complaint_id":"10729569","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2024-11-08T23:16:44.000Z","state":"VA","company_public_response":null,"sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["XX/XX/XXXX Hello, I am having an issue with Discover Card charging me for interest charges improperly and would appreciate your input, advice, or any help you might provide to resolve this issue. \n\n1 ) On XX/XX/XXXX I took advantage of an offer from Discover Card to transfer a balance of {$7900.00} from another card. I paid a one-time fee of {$230.00} to make the transfer."],"product":["Credit card"],"sub_product":["General-purpose credit card or charge card"]},"sort":[18.788128,"10729569"]},{"_index":"complaint-public-v1","_id":"1754006","_score":18.074936,"_source":{"product":"Credit card","complaint_what_happened":"Banks are required to have reasonable procedures in place to make sure that periodic statements are mailed or delivered at least 21 days before any grace period ends. Further, for credit card accounts only, banks are similarly required to have reasonable procedure in place to make sure that periodic statements are mailed or delivered at least 21 days before the payment due date shown on the statement. \n\nA credit card issuer may not treat a required minimum payment as late for any purpose if the minimum payment is received by the card issuer within 21 days after mailing or delivering the credit card statement disclosing the due date for that payment. This means that, if your minimum payment is received by the card issuer within 21 days after the statement is mailed or delivered, the card issuer can not increase the APR as a penalty, report you as delinquent to a credit reporting agency, assess a late fee, terminate benefits ( such as rewards on purchases ), or initiate collection activities. \n\nI currently have a billing dispute regarding my credit card. While the dispute was under investigation, the bank reported my account negatively to the credit-reporting agencies. Can it do this? \nNo. Generally, if you have filed a proper billing error dispute, the bank shall not make ( or threaten to make ) an adverse report to any person about your credit standing. \n\nThe bank also should not report that an amount or account is delinquent because you failed to pay the disputed amount -- or related finance or other charges -- while the investigation proceeds. \n\nChase put a 30 day late on my credit reports. I have tried to get them to remove this and they refuse. This was not my fault because I never received any notification by Chase. I finally setup electronic statements and then received them. I have done everything I can to resolve this with them with no luck. I just want the 30 day late removed from my credit reports. If I was responsible and it was my fault I would take responsibility but this was XXXX fault. Now because of this mark on my credit this has lowered my credit score and I was not the responsible party that caused this. As I stated before by past record never showed any late payments on any of my accounts. In fact in my entire life I have never had a late payment on any of my revolving credit card accounts with any company, that 's a fact. I am now XXXX years old and why would I do that now? Chase has been a great company and service until now and they refuse to work with me on this. 15 years with Chase alone and never XXXX late payment so why would I have XXXX now unless this was a unique situation and not my fault. Individuals should not be blamed for mistakes that Chase makes. Have them check all my accounts through them and not one has ever had a late payment. Why would I have XXXX late payment when my credit through them has been perfect. Why would they credit the late fee if they were wrong? Why is Chase so willing to ruin peoples credit with no consideration that I have been a customer of theirs for 15 years and never XXXX late payment? This pertains to account number ending in XXXX. Thank you","date_sent_to_company":"2016-01-22T15:33:41.000Z","issue":"Delinquent account","sub_product":null,"zip_code":"55987","tags":null,"has_narrative":true,"complaint_id":"1754006","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2016-01-22T15:33:41.000Z","state":"MN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["This means that, if your minimum payment is received by the card issuer within 21 days after the statement is mailed or delivered, the card issuer can not increase the APR as a penalty, report you as delinquent to a credit reporting agency, assess a late fee, terminate benefits ( such as rewards on purchases ), or initiate collection activities. \n\nI currently have a billing dispute regarding my credit card."],"product":["Credit card"]},"sort":[18.074936,"1754006"]},{"_index":"complaint-public-v1","_id":"17249944","_score":18.0097,"_source":{"product":"Credit card","complaint_what_happened":"b\"Fair Credit Billing Act dispute\\n\\nI am under XXXX liability of unauthorized transactionsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXtodays date will be XXXX XXXX XXXXContinental Finance / Card ServicesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRe: Dispute of Unauthorized Charges\\nAccount Number last four: XXXXTo Whom It May Concern,\\n\\nI am writing to formally dispute several unauthorized charges that have appeared on my credit card account. I did not make these transactions, nor did I authorize anyone else to use my card for these purchases. I request that these charges be investigated, reversed, and that any related fees or interest be removed from my account.XXXXBelow are the disputed transactions as shown on my account activity:\\n\\nUnauthorized Charges XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese transactions were not made by me, and I believe my card information may have been compromised. I have already reviewed all recent account activity, and these charges are the only ones I am disputing at this time.\\n\\nIn accordance with the Fair Credit Billing Act, I request:\\n\\nImmediate removal of the unauthorized charges listed above.\\n\\nSuspension of any interest or fees tied to these transactions during the investigation.\\n\\n\\nWritten confirmation that my dispute has been received and that the investigation is underway. Please don't violate the Fair Credit Billing Act, \\n\\nI have included screenshots of the disputed transactions for your reference. Please let me know if you require any additional information to resolve this matter.XXXX\\nmy statement of fact is:XXXXlost the card\\ndon't remember where\\ncant remember whereXXXXXXXXThank you for your prompt attention.\\n\\nSincerelyXXXX XXXX XXXX","date_sent_to_company":"2025-11-14T22:05:19.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"90002","tags":null,"has_narrative":true,"complaint_id":"17249944","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Continental Finance Company, LLC","date_received":"2025-11-14T21:31:30.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["Please don't violate the Fair Credit Billing Act, \\n\\nI have included screenshots of the disputed transactions for your reference. Please let me know if you require any additional information to resolve this matter.XXXX\\nmy statement of fact is:XXXXlost the card\\ndon't remember where\\ncant remember whereXXXXXXXXThank you for your prompt attention.\\n\\nSincerelyXXXX XXXX XXXX"],"product":["Credit card"],"issue":["Problem with a purchase shown on your statement"],"sub_product":["General-purpose credit card or charge card"],"sub_issue":["Card was charged for something you did not purchase with the card"]},"sort":[18.0097,"17249944"]},{"_index":"complaint-public-v1","_id":"6196023","_score":17.50944,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Disputes that were not addressed from Executive team to their excuses and pretending not to understand the simplest things have been pathetic to deal with. Timeshares.have taken advantage of below and Keybank hadnt even tried to figure out what the actual charges should have been. So as waiting for credits and no resolve from KeyBank I am left with these charges of either over billing when card was just put down for authorisation of reservation but paid threw XXXX however hotel also charged for the same room same night. This is a big problem especially for XXXX that I will do a separate complaint on. With the charges all totalling {$1200.00} the course of action next will be to file small claims on line against Keybank for disputes they didnt even look into or try to understand. Negilence has run streamline with executive team and Disputes Department. \nRecently, reversal of lastest claim XXXX is just one of the many extra charges that should not have been billing directly, and XXXX makes cancelation policy not XXXX XXXX. Keybank disputed it never called anyone as XXXX confirms or did anything but see that the card was present. Of course it was present it was used as a check in for hotel authorisation only, not collect the room from that card as well even though you have already gotten paid by the 3rd party XXXX vendor website where hotel was booked. \nAmount of this Purchase {$98.00} Paid already by XXXX on shown XX/XX/XXXX Same again happened in XXXX XXXX also charged in addition to the 3rd party vendor XXXX XXXX XXXX XXXXXXXX XXXX GIVEN CARD FOR INCIDENTALS but charged for room as well. These hotel merchants are making up for pandemic and everyone stayed home I guess. But you would think that Keybank could get something as simple as this but they didn.t The XXXX never even got put in disputes. \n\nReversed charges without any notification or inquiry request of XXXX, XXXX, XXXX and XXXX on merchandise not received from overseas call center, no correspondence sent for these charges due to time frame, how convenient, this should be noted this banks strategy on disputes take months hearing back and they dont even know about the incident because they dont need to, they are just going to say too late. Not if I file a small claims court against them it is not. Disputes department needs to address the Credits still waiting on were services were canceled or unavailable. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX returned item never credited back to account, with card change, even though I have given merchant the new card number to credit if possible. The XXXX the last dispute on this page, disputes just said they dont get involved with merchants discounts. There was to be no charge period, points were redeemed and paid the entire of the night stay, but this was too difficult for disputes or even account executive team to understand or do anything to review, Due to these aggravations, and very little accomplishments with credits not refunded or disputes unsolved we have kept this account open continued to pay the interest fees.It should be noted that Keybank has this card as a secured card so they have funds for the entire account of {$700.00} that is why Federal Trade Complaint is to be reviewed, as the account was not ever treated fairly or with concern. THIS CREDIT CARD HASNT HAD ANY ASSISTANCE WITH EVEN CONTACTING VENDORS OR THE ONLY CREDITS THAT HAVE APPEARED ON THE ACCOUNT WERE THE ONES WHERE I CONTACTED THE MERCHANT, over and over until credit was applied to account with at least some of the credits. \nKeybank even failed to even read the comments from the Manager at the site, with her emails sent to keybank they did not ever charge XXXX well from the looks of it we were below. \nFriday, XX/XX/XXXX, XXXX Name XXXX XXXX XXXX XXXX Amount of this Purchase {$180.00} charged twice Keybank has this information and did nothing. \nCard used to make this purchase XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX How this will appear on your statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX never at a bar dont drink. \nXXXX XXXX XXXX XXXX This charge came after giving credit card to hotel. \nAmount of this Purchase {$40.00} Card used to make this purchase XXXX Merchant Address XXXX XXXXXXXX XXXX XXXX Merchant Type Friday, XX/XX/XXXX Points used for these charges, no charge should have existed. \nMerchant Name XXXX XXXX XXXX XXXXXXXX Amount of this Purchase {$130.00} Card used to make this purchase Merchant Address XXXX XXXX XXXX XXXX XXXX Merchant Type How this will appear on your statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thursday, XX/XX/XXXX XXXX was paid by points, no card on file should have been charged this was a free night. \nMerchant Name XXXX XXXX XXXX Amount of this Purchase {$100.00} Merchant Address XXXX, XXXX XXXX Merchant Type Never Put into disputes even though requested within time frame.","date_sent_to_company":"2022-11-12T06:53:03.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"068XX","tags":null,"has_narrative":true,"complaint_id":"6196023","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"KEYCORP","date_received":"2022-11-12T06:02:53.000Z","state":"CT","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Merchant Name XXXX XXXX XXXX XXXXXXXX Amount of this Purchase {$130.00} Card used to make this purchase Merchant Address XXXX XXXX XXXX XXXX XXXX Merchant Type How this will appear on your statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thursday, XX/XX/XXXX XXXX was paid by points, no card on file should have been charged this was a free night."],"product":["Credit card or prepaid card"],"issue":["Problem with a purchase shown on your statement"],"sub_product":["General-purpose credit card or charge card"],"sub_issue":["Credit card company isn't resolving a dispute about a purchase on your statement"]},"sort":[17.50944,"6196023"]},{"_index":"complaint-public-v1","_id":"17299185","_score":17.406267,"_source":{"product":"Credit card","complaint_what_happened":"=========================================== PRODUCT TYPE : Credit card or prepaid card ISSUE : Problem with a purchase shown on your statement SUB-ISSUE : Credit card company isn't resolving a dispute about a purchase on your statement =========================================== WHAT HAPPENED : On XX/XX/XXXX, I initiated a dispute with Chase Bank for a fraudulent transaction on XXXX. The merchant 's support representative ( XXXX ) sent me multiple emails between July XXXX XXXX, instructing me to close my dispute with Chase in order for them to resolve the issue on their end. \n\nSpecifically, on XX/XX/XXXX at XXXX XXXX, XXXX stated : \" To avoid further consequences, we strongly encourage you to contact your bank without delay and request that the chargeback be withdrawn. Upon doing so, please obtain written confirmation or proof from your bank that the dispute has been canceled, and upload that documentation directly to this support ticket. '' Based on this direct instruction and believing it was necessary to receive a refund, I closed my dispute with Chase. \n\nAfter I closed the dispute : - XXXX and the seller immediately stopped responding to my messages - No refund was ever posted to my Chase account - I sent multiple follow-up emails ( XX/XX/XXXX, XXXX, XX/XX/XXXX ) with no response- The seller claimed on XX/XX/XXXX that I was \" provided the wristband as promised '' - which is completely false When I contacted Chase, they informed me the dispute was denied because \" funds were returned to the merchant. '' However, NO REFUND has ever been posted to MY account. Chase is treating a return of funds to the merchant/XXXX as a resolution, when I - the customer- never received any money back. \n\nI later attempted to reopen the dispute. Chase claims it was \" reopened and denied '' but provided no documentation showing any refund reaching my account. Chase representatives refuse to escalate further or perform a regulatory review, stating they \" can only take back money once. '' This is a clear case of merchant misrepresentation where : 1. The merchant deliberately instructed me to close my dispute 2. After I complied, they ghosted me completely 3. Chase closed the case without verifying I received a refund 4. Chase refuses reconsideration despite the dispute being closed under false pretenses I have complete email documentation showing XXXX 's instructions to close the dispute, their subsequent ghosting, and Chase 's refusal to properly review the case. \n\nWHAT I WANT THE COMPANY TO DO : 1. Conduct a full executive-level review of this case, recognizing that the dispute was closed due to merchant misrepresentation, not legitimate resolution 2. Provide complete documentation showing : - The exact date and amount of any alleged \" refund '' - Which account this refund was posted to - Proof that funds reached MY Chase account ( they have not ) 3. Reopen the dispute or issue a goodwill credit for my financial loss, as the original dispute closure was obtained through merchant fraud 4. Implement better training for representatives to recognize merchant misrepresentation tactics and not penalize customers who are misled into closing legitimate disputes This is not a standard \" chargeback denial '' - this is a case where I was deliberately deceived into closing my consumer protection claim, and Chase is refusing to correct their error in allowing this to happen. \n\nI am requesting Chase restore my loss and properly handle cases where merchants instruct customers to close disputes as a delay tactic. \n\n=========================================== COMPANY RESPONSE REQUESTED : Yes ===========================================","date_sent_to_company":"2025-11-17T20:01:32.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"46530","tags":null,"has_narrative":true,"complaint_id":"17299185","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-11-17T19:54:01.000Z","state":"IN","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["=========================================== PRODUCT TYPE : Credit card or prepaid card ISSUE : Problem with a purchase shown on your statement SUB-ISSUE : Credit card company isn't resolving a dispute about a purchase on your statement =========================================== WHAT HAPPENED : On XX/XX/XXXX, I initiated a dispute with Chase Bank for a fraudulent transaction on XXXX."],"product":["Credit card"],"issue":["Problem with a purchase shown on your statement"],"sub_product":["General-purpose credit card or charge card"],"sub_issue":["Credit card company isn't resolving a dispute about a purchase on your statement"]},"sort":[17.406267,"17299185"]},{"_index":"complaint-public-v1","_id":"1754115","_score":17.149303,"_source":{"product":"Credit card","complaint_what_happened":"In the courts of law, I would like to ask Chase if the receipt of a physical financial statement or electronic statement can be proven beyond a doubt that a consumer has received notification? Postal mail can fail and in this case I notified Chase at the time that I was relocating and they have this on record as they have brought this to my attention many times. Electronic mail can also fail by being subjected to spam or never being received for some unforseen reason. As I have stated over the months I never received notification by Chase for any credit card statement with regard to this account ending in XXXX. In fact I still do not receive statements for some of my other accounts which I will now also submit conflict about. \nBanks are required to have reasonable procedures in place to make sure that periodic statements are mailed or delivered at least 21 days before any grace period ends. Further, for credit card accounts only, banks are similarly required to have reasonable procedure in place to make sure that periodic statements are mailed or delivered at least 21 days before the payment due date shown on the statement. \n\nA credit card issuer may not treat a required minimum payment as late for any purpose if the minimum payment is received by the card issuer within 21 days after mailing or delivering the credit card statement disclosing the due date for that payment. This means that, if your minimum payment is received by the card issuer within 21 days after the statement is mailed or delivered, the card issuer can not increase the APR as a penalty, report you as delinquent to a credit reporting agency, assess a late fee, terminate benefits ( such as rewards on purchases ), or initiate collection activities. \n\nI currently have a billing dispute regarding my credit card. While the dispute was under investigation, the bank reported my account negatively to the credit-reporting agencies. Can it do this? \nNo. Generally, if you have filed a proper billing error dispute, the bank shall not make ( or threaten to make ) an adverse report to any person about your credit standing. \n\nThe bank also should not report that an amount or account is delinquent because you failed to pay the disputed amount -- or related finance or other charges -- while the investigation proceeds. \n\nChase put a 30 day late on my credit reports. I have tried to get them to remove this and they refuse. This was not my fault because I never received any notification by Chase. I finally setup electronic statements and then received them. I have done everything I can to resolve this with them with no luck. I just want the 30 day late removed from my credit reports. If I was responsible and it was my fault I would take responsibility but this was Chases fault. Now because of this mark on my credit this has lowered my credit score and I was not the responsible party that caused this. As I stated before by past record never showed any late payments on any of my accounts. In fact in my entire life I have never had a late payment on any of my revolving credit card accounts with any company, that 's a fact. I am now XXXX years old and why would I do that now? Chase has been a great company and service until now and they refuse to work with me on this. 15 years with Chase alone and never XXXX late payment so why would I have XXXX now unless this was a unique situation and not my fault. Individuals should not be blamed for mistakes that Chase makes. Have them check all my accounts through them and not one has ever had a late payment. Why would I have XXXX late payment when my credit through them has been perfect. Why would they credit the late fee if they were wrong? Why is Chase so willing to ruin peoples credit with no consideration that I have been a customer of theirs for 15 years and never XXXX late payment? This pertains to account number ending in XXXX.","date_sent_to_company":"2016-01-22T17:07:24.000Z","issue":"Delinquent account","sub_product":null,"zip_code":"55987","tags":null,"has_narrative":true,"complaint_id":"1754115","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2016-01-22T17:07:23.000Z","state":"MN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["This means that, if your minimum payment is received by the card issuer within 21 days after the statement is mailed or delivered, the card issuer can not increase the APR as a penalty, report you as delinquent to a credit reporting agency, assess a late fee, terminate benefits ( such as rewards on purchases ), or initiate collection activities. \n\nI currently have a billing dispute regarding my credit card."],"product":["Credit card"]},"sort":[17.149303,"1754115"]},{"_index":"complaint-public-v1","_id":"21441170","_score":17.004786,"_source":{"product":"Credit card","complaint_what_happened":"b'here is what i plan to post...should i update the XXXX day part or leave it as i recall it may or may not apply\\n\\nCFPB Complaint File at consumerfinance.gov/complaint\\nCompany: American Express Product: Credit card Issue: Problem with a purchase shown on your statement Credit card company isn\\'t resolving a dispute about a purchase on your statement\\nComplaint narrative (paste this):\\nOn XXXX XXXX XXXX I paid XXXX XXXX XXXX XXXX XXXX via my American Express card ending in XXXX The charge was for a coaching program that included a written guarantee of unlimited support until job placement, documented in both a pre-sale email from the company\\'s sales representative and in the signed Client Services Agreement.\\nThe pre-sale materials sent to me before I signed contained specific written income claims, including XXXX annual income\" and XXXX XXXX XXXX XXXX XXXX\" and named \"Personalized Stacking Guidance\" as a contracted deliverable. The company\\'s disclaimer clause in the contract claiming I did not rely on earnings representations is directly contradicted by the company\\'s own written pre-sale documents.XXXX XXXX ceased all operations and terminated all services on XXXX XXXX XXXX I was never placed in a job as guaranteed. The company did not offer refunds. When I attempted to access the service in XXXX XXXX, I received a bounce-back email confirming the company\\'s contact address no longer existed (mailer-daemon failure, XXXX XXXX XXXX). This was my discovery date I had no knowledge the company had dissolved prior to this attempt.\\nI filed a dispute with American Express, Reference Number XXXX The dispute has been closed multiple times on the basis that it was reported more than XXXX days after the statement date. American Express has not reviewed the merits of this case at any point.\\nThe XXXX-day window applies to when a billing error is first discoverable. During the first XXXX days after my XXXX XXXX statement, services were actively being delivered and I had no basis to dispute. The merchant\\'s failure to perform its contractual guarantee only became permanent and undeniable when it dissolved in XXXX XXXX. My discovery of the dissolution occurred XXXX XXXX XXXX. I contacted American Express approximately XXXX months after discovery a reasonable timeline for a consumer who was unaware of dispute window requirements.\\nI have documentation supporting all claims: the pre-sale written income promises (XXXX XXXX XXXX XXXX sent XXXX XXXX XXXX), the salesperson\\'s written guarantee email (XXXX XXXX XXXX), the signed XXXX contract with guarantee clause, the company\\'s closure notification emails, my failed XXXX XXXX login attempt, the mailer-daemon bounce email confirming dissolution, and my outbound emails attempting to access the service. I also sent a formal written billing inquiry by certified mail to the American Express Billing Inquiries address (XXXX XXXX XXXX) on XXXX XXXX XXXX, Certified Mail tracking XXXX XXXX XXXX XXXX XXXX XXXX.\\nAmerican Express has repeatedly closed this dispute under a policy rule without any investigation of documented written misrepresentation, breach of written guarantee, and services permanently not rendered due to merchant dissolution. I am requesting that the CFPB require American Express to conduct a full merits-based review of this case.\\nDispute Reference: XXXX | Phone Case: XXXX | Amount: XXXX","date_sent_to_company":"2026-04-21T15:27:09.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"727XX","tags":null,"has_narrative":true,"complaint_id":"21441170","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2026-04-21T15:08:56.000Z","state":"AR","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["b'here is what i plan to post...should i update the XXXX day part or leave it as i recall it may or may not apply\\n\\nCFPB Complaint File at consumerfinance.gov/complaint\\nCompany: American Express Product: Credit card Issue: Problem with a purchase shown on your statement Credit card company isn\\'t resolving a dispute about a purchase on your statement\\nComplaint narrative (paste this):\\nOn XXXX XXXX XXXX I paid XXXX XXXX XXXX XXXX XXXX via my American Express card ending in XXXX The charge was"],"product":["Credit card"],"issue":["Problem with a purchase shown on your statement"],"sub_product":["General-purpose credit card or charge card"],"sub_issue":["Credit card company isn't resolving a dispute about a purchase on your statement"]},"sort":[17.004786,"21441170"]},{"_index":"complaint-public-v1","_id":"15229626","_score":16.793974,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXX I was scammed. The scammers bought a gift card at Home Depot for {$1800.00}. I disputed this charge at Citi Bank and the charge was upheld. Upon calling Citi Bank about this dispute I was told to contact Home Depot as they were the ones that decided the outcome of the dispute. \nHome Depot said their policy was not to remove any charges to bill made by scammers they felt I had willingly given my credit card number to the scammers. \nHome Depot Credit Services XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Dear XXXX XXXX, Why we're writing to you We have completed our investigation regarding your claim of unauthorized use on the above referenced account. Based on our review, we have determined that you are responsible for the charges in question. \nHere 's what you need to know Our decision was based, in part, on the following : The facts and/or information reviewed as part of the investigation does not substantiate the claim of unauthorized use. \nWe've conducted our investigation using the information that you provided about the dispute. With the information we had, it wasn't enough to support your claim and resolve the dispute in your favor. \nAs a result, we have re-billed your account and consider our investigation complete. \nSome important information While we realize your account may be in good standing, Federal Regulations require us to remind you that we may report your account as past due to the consumer reporting agencies listed below if we do not receive the minimum payment by the due date shown on your billing statement. \nXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX How to contact us If you have additional questions about your account, our Representatives are available to assist you. Please contact us at the phone number below. \nThank you for your understanding in this matter and for being a valued customer. \nSincerely, XXXX XXXX XXXX : XXXX For TTY : We accept XXXX or other Relay Service Monday through Friday, XXXX XXXX XXXX XXXX XXXX ET The security of your account is important to us So they continue to charge me. \nI am XXXX with my on income being from SS and a small pension. I do not have money to pay for the scammers purchase.","date_sent_to_company":"2025-08-12T20:09:09.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"46818","tags":"Older American","has_narrative":true,"complaint_id":"15229626","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-08-12T19:28:37.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["The scammers bought a gift card at Home Depot for {$1800.00}. I disputed this charge at Citi Bank and the charge was upheld. Upon calling Citi Bank about this dispute I was told to contact Home Depot as they were the ones that decided the outcome of the dispute. \nHome Depot said their policy was not to remove any charges to bill made by scammers they felt I had willingly given my credit card number to the scammers. \nHome Depot Credit Services XXXX."],"product":["Credit card"],"issue":["Problem with a purchase shown on your statement"],"sub_product":["Store credit card"],"sub_issue":["Credit card company isn't resolving a dispute about a purchase on your statement"]},"sort":[16.793974,"15229626"]},{"_index":"complaint-public-v1","_id":"21757019","_score":16.688408,"_source":{"product":"Credit card","complaint_what_happened":"his is a NEW complaint, separate from XXXX # XXXX -- -- - Company : Bank of America , N.A . \nProduct : Credit card ( Account ending in XXXX ) Issue : Problem with a purchase shown on your statement Card company isn't resolving a dispute about a purchase on your statement. \n\nWHAT HAPPENED : This complaint concerns Bank of America 's apparent manipulation of the CFPB complaint resolution process to mischaracterize the outcome of my prior complaint ( Case # XXXX ). \n\nBACKGROUND : I filed a CFPB complaint regarding a {$2200.00} credit card charge from XXXX XXXX XXXX for merchandise that was never delivered. Bank of America denied my dispute four times, each time citing only the XXXX billing error window under Regulation Z 1026.13, while refusing to evaluate my claim under the separate and independent provisions of 12 CFR 1026.12 ( c ) which has no time limit. \n\nTHE CONCERN : In its formal CFPB response dated XX/XX/XXXX ( Case # XXXX ), Bank of America denied my {$2200.00} claim but simultaneously issued a \" service-related adjustment '' of {$48.00}, representing {$25.00} in late fees and {$23.00} in interest that Bank of America itself assessed to my account during XXXX and XX/XX/XXXX. \n\nThese fees and interest were caused directly by Bank of America 's own dispute process. I pay my credit card balance in full every month and have done so consistently throughout my XXXXyear relationship with this institution. The only reason late fees and interest appeared on my account was because of the confusion and delays created by Bank of America 's handling of my dispute. \n\nBy refunding {$48.00} in fees that Bank of America itself caused while denying the {$2200.00} that was actually in dispute Bank of America can now classify my complaint in the CFPB database as \" closed with monetary relief. '' This classification creates a false impression that the consumer received meaningful relief, when in reality : XXXX. The {$2200.00} dispute was denied in full the core issue was not resolved. \nXXXX. The {$48.00} \" relief '' represents a refund of Bank of America 's own fees that should never have been assessed in the first place. \nXXXX. The \" monetary relief '' amounts to 2.2 % of the amount actually in dispute. \nXXXX. The classification makes this complaint appear resolved in CFPB aggregate data, potentially reducing regulatory scrutiny. \n\nThis practice offering token refunds of bank-caused fees to reclassify denied claims as \" closed with monetary relief '' undermines the integrity of the CFPB complaint database. If this is a systemic practice across Bank of America 's complaint responses, it would artificially inflate BofA 's monetary relief statistics and obscure the true rate at which substantive consumer complaints are being denied. \n\nI am not suggesting the CFPB should decline the {$48.00} refund those fees should never have been charged. I am asking the CFPB to : XXXX. Ensure that my prior complaint ( Case # XXXX ) is accurately classified to reflect that the substantive {$2200.00} dispute was denied, not resolved with monetary relief. \n\nXXXX. Investigate whether Bank of America systematically uses token fee refunds to reclassify denied disputes as \" closed with monetary relief '' in the CFPB database. \n\nXXXX. Consider whether this practice constitutes a deceptive or misleading response to CFPB complaints, undermining the purpose of the Consumer Complaint Database. \n\nFor the record, the underlying dispute involves merchandise never delivered by XXXX XXXX XXXX, a company with an F rating from the BBB and XXXX unanswered consumer complaints. Bank of America denied my claim XXXX times without ever evaluating it under 12 CFR 1026.12 ( c ), a federal provision I explicitly invoked in every communication. The full history is documented in XXXX # XXXX. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX | ( XXXX ) XXXX Prior CFPB Case : # XXXX BofA Claim # XXXX | Account ending in XXXX Preferred Rewards Diamond Honors Member since XXXX | BofA client XXXX XXXX","date_sent_to_company":"2026-04-30T17:53:52.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"85259","tags":null,"has_narrative":true,"complaint_id":"21757019","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-04-30T17:45:29.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["Product : Credit card ( Account ending in XXXX ) Issue : Problem with a purchase shown on your statement Card company isn't resolving a dispute about a purchase on your statement. \n\nWHAT HAPPENED : This complaint concerns Bank of America 's apparent manipulation of the CFPB complaint resolution process to mischaracterize the outcome of my prior complaint ( Case # XXXX )."],"product":["Credit card"],"sub_product":["General-purpose credit card or charge card"]},"sort":[16.688408,"21757019"]},{"_index":"complaint-public-v1","_id":"11583149","_score":16.673653,"_source":{"product":"Credit card","complaint_what_happened":"I purchased an over {$6000.00} fence on my Wayfair Citibank credit card. The purchase put me over my credit limit, but Citibank still approved the purchase. The item was delayed for a while. And when it finally came in it shipped via aI purchased an over {$6000.00} fence on my Wayfair Citibank credit card. The purchase put me over my credit limit, but Citibank still approved the purchase. The item was delayed for a while. And when it finally came in it shipped via a tractor trailer on multiple huge pallets. Upon inspecting the item, I realized that the fence was falsely advertised. On Wayfairs website it never stated that the fence would come in multiple small pieces. It displayed a fence panel when the item arrived. It was multiple small pieces that you had to put together to make one fence panel so the item on Wayfairs website was falsely described. We reached out to Wayfair to ask to return the item we were instructed that our account was flagged because we had previously returned an item because the price was cheaper and Wayfair wouldnt price match at the time so they gave us the option to return the item. We return the item in good condition and got a credit but because I had done a previous return within 30 or 60 days. They would not speak to me. My account had to be transferred to a higher level of customer service. When the higher level of customer service finally reached out to me because remember regular customer service would not speak to me because my account was flagged. It took well over a week or two for the higher department to get back to me. They told me I was outside of my 30 day return policy and that because I had already returned an item before I was not allowed to return anything else to Wayfair and I needed to pay the bill. This is not just a {$200.00} chair that you dont like this is over {$6300.00} worth of fencing panel that was Miss advertised on their website me as the consumer notified them within the 30 days but because I had to wait several weeks for the hire department to reach out to me I was instructed I was not allowed to return the item and I had returned too many items which I had only returned one item, and there was no issue with my return. I have since then disputed this charge with Wayfair. I have submitted evidence as they have asked I have offered numerous times to return the item. I just want my money back. They investigated this for over four months. We opened a dispute in XXXX. They just stopped investigating it a few months ago and did not let me know the outcome every time I called Wayfair they told me that my bill did not need to be paid because it was under investigation. That was false because I was constantly charged an over the credit limit fee and I was charged late fees. I called them every single month and was told the same thing I did not need to pay and I would not be charged late fees. They continue charging me late fees. Eventually, they decided I am assuming with the merchant Wayfair because now they are threatening attorney action against me to get their payment. I have continued to ask numerous times to return the item. I have proven that it was falsely advertised. Citibank and Wayfair refused to work with me. I spent hours each month calling Wayfair to try to resolve this and I get nowhere. I am transferred from department to department to department. I am given a case number I was just instructed to call another department which I did call and I was instructed by them. I have to pay the bill. theres nothing they can do. Wayfair no longer sells from this manufacturer, which I feel is pretty funny because I feel like theres other people who probably had the same issue with me and that they see that its falsely advertise and it was probably returned a lot the item and now they dont sell that particular merchant anymore. I have tried numerous times to resolve this with Citibank and I have tried numerous times to resolve it with Wayfair. At this point, Wayfair will not speak to me and I have to go through Citibank. When I call Citibank, I am directed to numerous apartments, and the last conversation I had which took several hours. I was instructed that there was nothing that she could do to help me and that I had to pay the bill. I dont feel like anyone is listening to my concerns. I have explained that the item was not delivered as advertised. As Ive stated its not just a couple hundred dollars Im out Im out {$6000.00} at this point and I refuse to pay for something that was falsely advertised. I still to this day would like to return it. I have everything in the pallets and would like to return it to Wayfair to get a refund, but they will not allow me to do this cause it is outside of the 30 days. It is absolutely absurd to have a 30 day policy on something that somebody bought for {$6000.00}. I need some kind of help from someone to help me resolve this issue. It is destroying my excellent credit and I feel like I should not have to pay {$6000.00} on an item that was one false advertise and two that I have done my due diligence and trying to return and I have spent hours upon hours trying to work with Citibank and work with Wayfair. But I am now being told that I am going to be sent over to an attorney for an attorney to get their fees. They are hounding me nonstop with calls they are hounding me nonstop with certified letters. I have made so many attempts to try to resolve this with them. I have even offered to pay a portion of it to try to get my credit return to its good numbers and they will not work with me at all. They only want the over {$6000.00} and I have to keep the defective unethically advertised fence. I need someone to help me. \n\nI also wan na add that per Wayfairs credit card practices in Citibanks. It says right on the back of their statement that if you were dissatisfied with your credit card purchased because of the goods or services that you have purchased with your credit card and have tried in good faith to correct the problem with the merchant you may have the right not to pay the remaining amount due on the purchase to qualify for this. The purchase must have been made in your home state you mustve used your credit card and you must have not yet fully paid for the purchase. If all the criteria is met and you were dissatisfied with the purchase, please contact us in writing at the address for billing errors and customer service shown on page one of your statement we will investigate. I have submitted numerous documents in writing to Citibank and Wayfair as described in their statement they have done the investigation. Never let me know if their decision, but I am assuming that they decided with the merchant and are now reporting me delinquent, which is not the truth because I have tried numerous times to fix this.","date_sent_to_company":"2025-01-21T19:47:57.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"377XX","tags":null,"has_narrative":true,"complaint_id":"11583149","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-01-16T15:49:55.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["It says right on the back of their statement that if you were dissatisfied with your credit card purchased because of the goods or services that you have purchased with your credit card and have tried in good faith to correct the problem with the merchant you may have the right not to pay the remaining amount due on the purchase to qualify for this. The purchase must have been made in your home state you mustve used your credit card and you must have not yet fully paid for the purchase."],"product":["Credit card"],"issue":["Problem with a purchase shown on your statement"],"sub_product":["Store credit card"],"sub_issue":["Credit card company isn't resolving a dispute about a purchase on your statement"]},"sort":[16.673653,"11583149"]},{"_index":"complaint-public-v1","_id":"21901136","_score":16.319674,"_source":{"product":"Credit card","complaint_what_happened":"CFPB COMPLAINT BANK OF AMERICA , N.A . \nFiled by : XXXX ( XXXX ) XXXX Cardholder Account : ending XXXX Date : XXXX XXXX XXXX Subject Claim ID : XXXX Disputed Amount : {$35.00} CFPB Form Selections ( recommended ) Product : Credit card or prepaid card Sub-product : General-purpose credit card or charge card Issue : Problem with a purchase shown on your statement Sub-issue : Credit card company isn't resolving a dispute about a purchase on your statement Company : BANK OF AMERICA , NATIONAL ASSOCIATION Narrative ( paste into CFPB \" What happened? '' field ) On XXXX XXXX XXXX I opened a billing dispute with Bank of America ( Claim ID XXXX ) for a {$35.00} charge from XXXX ( Order XXXX, seller XXXX ). My dispute concerns the merchant 's refusal to honor its published return policy after I requested a return on the same day the merchandise was delivered. \nKEY FACTS ( all documented and submitted to BoA at intake ) : The merchandise was delivered on XX/XX/scrub>XXXX XXXX XXXX. I requested a refund the same day at XXXX XXXX, immediately upon inspection. \nThe seller ( XXXX ) denied the refund of {$32.00}. \nXXXX customer service representative \" XXXX '' stated in writing on the platform 's official chat : \" upon checking on your item, the reason on why you can not request a return is it is tagged as non returnable... it is not because it already passed the 90 day period. '' This is a sworn admission by the merchant that the refund was refused solely on the basis of an internal \" non-returnable '' tag, not because of any contractual return-window expiration. \nXXXXXXXX XXXX order page shows a popup stating : \" No items from this package are eligible for return. '' The order status reads \" Refund failed. '' The \" non-returnable '' classification was applied to the order AFTER delivery and AFTER my refund request. This is a unilateral, post-hoc revocation of the buyer 's contractual return remedy and is inconsistent with XXXXXXXX XXXX published consumer return policy. \nI uploaded the chat transcript and the order screenshots at claim intake on XXXX XXXX XXXX.\n\nPROCEDURAL HISTORY WITH BANK OF AMERICA : On XXXX XXXX XXXX, after BoA issued a generic \" Step 2 of 3 Request for additional information '' notice that did not identify any missing item, I sent Bank of America a formal complaint letter detailing the case, the regulatory basis ( Fair Credit Billing Act, 15 U.S.C. 1666 ; Regulation Z, 12 CFR 1026.13 ), and demanded final adjudication on the merits. The letter expressly placed BoA on notice of preservation obligations and notice of regulatory escalation. \nOn XXXX XXXX XXXX without acknowledging or substantively addressing my XXXX XXXX complaint letter Bank of America issued a final denial. The stated reason was : \" We're unable to confirm that you were supposed to receive something different than what you received. We requested, but didn't receive, information showing what you received is different than what you purchased. '' WHY BoA 'S DENIAL IS NON-RESPONSIVE TO THE DISPUTE : My dispute is not about merchandise being \" different than purchased. '' It is about ( a ) the merchant refusing to honor its published return policy, and ( b ) the merchant retroactively tagging items as \" non-returnable '' to defeat my refund right. By framing my dispute as a \" goods not as described '' / quality claim and then denying it on that basis, Bank of America investigated a different claim than the one I filed. The merchant 's written admission that the refund was refused solely because of an internal \" non-returnable '' tag is dispositive on the actual dispute and was in BoA 's possession from intake. BoA never addressed it. \nREGULATORY ISSUES : 12 CFR 1026.13 ( c ) requires the creditor to conduct a \" reasonable investigation '' and to determine the dispute correctly. Investigating and denying a different claim than the one filed does not satisfy this standard.\n\n12 CFR 1026.13 ( f ) prohibits creditor collection on a disputed amount until the dispute is properly resolved. BoA 's denial places the disputed amount back into the balance owed without having resolved the actual dispute. \nThe XXXX XXXX XXXX XXXX Step 2 of 3 Request for additional information '' notice was generic and did not identify what specific evidence the bank considered missing, despite the merchant 's written denial, the chat transcript, and the order details having been submitted at intake. \nRESOLUTION REQUESTED : Reverse the XXXX XXXX XXXX denial and issue permanent credit of {$35.00} to my account ending XXXX. \nRe-open the investigation under the correct dispute classification merchant refusal to honor published return policy / credit not processed not \" merchandise not as described. '' Written confirmation that my XXXX XXXX XXXX formal complaint letter was received and reviewed, and a substantive response to the regulatory points raised in that letter. \nInternal audit of why this dispute was misclassified as a quality dispute when the supporting evidence ( merchant 's written non-returnable admission ) clearly framed it as a refusal-to-credit dispute. \nI have preserved all evidence including the merchant chat transcripts, order screenshots, the BoA denial letter dated XXXX XXXX XXXX, and my XXXX XXXX XXXX formal complaint letter to BoA and will provide them to CFPB and to Bank of America 's response counsel as needed. An evidence chain document accompanies this complaint as an attachment.","date_sent_to_company":"2026-05-05T18:26:55.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"78626","tags":null,"has_narrative":true,"complaint_id":"21901136","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-05-05T18:23:17.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Filed by : XXXX ( XXXX ) XXXX Cardholder Account : ending XXXX Date : XXXX XXXX XXXX Subject Claim ID : XXXX Disputed Amount : {$35.00} CFPB Form Selections ( recommended ) Product : Credit card or prepaid card Sub-product : General-purpose credit card or charge card Issue : Problem with a purchase shown on your statement Sub-issue : Credit card company isn't resolving a dispute about a purchase on your statement Company : BANK OF AMERICA , NATIONAL ASSOCIATION Narrative ( paste into CFPB \" What"],"product":["Credit card"],"issue":["Problem with a purchase shown on your statement"],"sub_product":["General-purpose credit card or charge card"],"sub_issue":["Credit card company isn't resolving a dispute about a purchase on your statement"]},"sort":[16.319674,"21901136"]},{"_index":"complaint-public-v1","_id":"18888290","_score":15.695642,"_source":{"product":"Credit card","complaint_what_happened":"COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Credit card ISSUE Problem with a purchase shown on your statement Subject : Formal Rebuttal and Request for Reconsideration Unauthorized Transaction Claim ( {$19000.00} ) Dear Navy Federal Credit Union Fraud Prevention Team , I am writing to formally dispute and rebut the final determination issued regarding my unauthorized credit card transaction claim in the amount of {$19000.00}, which you concluded as unsupported. \nI respectfully disagree with this determination and request an immediate reconsideration of my claim based on the documented facts and evidence already submitted. \nSummary of Key Facts The disputed transaction occurred on XX/XX/XXXX, while I was physically outside the United States, traveling in the XXXX XXXX. \nMy credit card remained in my possession at all times during this period. \nI did not authorize, participate in, or benefit from the transaction in question. \nI have never shared my card, PIN, or account credentials with any individual. \nA police report was filed with the XXXX XXXXXXXX Police Department, confirming the fraudulent nature of this charge. \nOfficial travel documentation ( flight records and immigration stamps ) clearly establishes that I could not have conducted this transaction in person. \nConcerns With the Investigation Outcome Your response does not clearly explain : What specific evidence was relied upon to determine that this transaction was authorized, How the investigation reconciled my verified international travel with the location and nature of the transaction, Whether merchant-level data ( IP address, device fingerprinting, card-present vs. card-not-present indicators, EMV verification, or merchant authentication records ) were reviewed and analyzed. \nAbsent such clarification, the conclusion that this was a valid debt remains unsupported by the available evidence. \nRequest for Immediate Action I am formally requesting the following : 1. A detailed written explanation of the investigative findings, including the specific basis for denying my claim.\n\n2. Reconsideration of the fraud determination, taking into account the police report immediately I came back to XXXX XXXXXXXX from XXXX in XXXX and proof of international travel ticket leaving out of XXXX XXXX of XXXX, XXXX and back to XXXX XXXX of XXXX, XXXX. I was in XXXX over XXXX XXXX to stay with my children because of urgent family issue. \n3. Correction or suppression of adverse credit reporting related to this disputed transaction while the matter remains unresolved.\n\n4. Confirmation of whether this dispute has been reviewed for compliance with the Fair Credit Billing Act ( FCBA ) and Regulation Z. \nI have acted in good faith, reported this matter promptly, cooperated fully with your investigation, and provided substantial supporting documentation. The financial and reputational harm resulting from this unresolved fraudulent charge has been significant. \nIf this matter can not be resolved internally, I will have no choice but to pursue further remedies, including escalation through regulatory and legal channels. However, I remain hopeful that Navy Federal will take appropriate corrective action upon reconsideration. \nPlease acknowledge receipt of this rebuttal and advise on the next steps within 15 business days. \nSincerely, XXXX XXXX Account Holder Phone number : XXXX : XXXX, and XXXX : XXXX. \nEmail Address : XXXX XXXX","date_sent_to_company":"2026-01-21T14:07:56.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"73013","tags":null,"has_narrative":true,"complaint_id":"18888290","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-01-21T13:36:00.000Z","state":"OK","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":["COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Credit card ISSUE Problem with a purchase shown on your statement Subject : Formal Rebuttal and Request for Reconsideration Unauthorized Transaction Claim ( {$19000.00} ) Dear Navy Federal Credit Union Fraud Prevention Team , I am writing to formally dispute and rebut the final determination issued regarding my unauthorized credit card transaction claim in the amount of {$19000.00}, which you concluded as unsupported."],"product":["Credit card"],"issue":["Problem with a purchase shown on your statement"],"company":["NAVY FEDERAL CREDIT UNION"],"sub_product":["General-purpose credit card or charge card"],"sub_issue":["Credit card company isn't resolving a dispute about a purchase on your statement"]},"sort":[15.695642,"18888290"]},{"_index":"complaint-public-v1","_id":"8288024","_score":15.473385,"_source":{"product":"Credit card","complaint_what_happened":"Chase Fraud Department XX/XX/XXXX RE : credit card account number ending XXXX I have disputed a credit card charge on my account from XXXX in the amount of {$140.00} originally posted to my account on XX/XX/XXXX. You now have come back twice and determined that I am responsible for the charge. \nI contacted your fraud department on several occasions. On the initial conversation your personnel provided me with a number ( XXXX XXXX ) to contact the vendor to resolve the issue. That telephone number was to an individual who stated, this is my cell phone number in Maryland which someone has stolen and is using for fraud. The second time I spoke with your department they provided me with a different telephone number ( XXXX ), which I subsequently found out was on XXXX website. When I tried that number I received the voicemail message, which I transcribed, This is not XXXX XXXX I am in no shape form or fashion affiliated with XXXX \nI advise you to contact your financial institution to try to get your money back. I have reached out to the FBI and the XXXX XXXX XXXX to try to get my phone number removed from their website. \nI wish you the best of luck. \nIn your Reason for determining the charge was valid, you stated Merchandise was billed to or shipped to your address. \nFor the record, I have never heard of the company, nor have I ever purchased or received any product from them. \nAs a consumer I hereby choose to exercise my rights under 15 USC Chapter 41, Subchapter I, Pard D : Credit Billing 1666 Correction of bill errors. \nthe creditor shall, ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligor 's indebtedness. \nPlease provide me with the documentary evidence utilized by your company to justify your decision. \nEvery avenue and direction your department has pointed me has resulted in some indication of fraud. Yet you have made a determination that I am liable for the charges. In fact, every charge on my statement contains some sort of reference/tracking number except for the charge in question. \n\nBased upon your online reviews of how your firm handles these transactions, I am surprised that a Class Action Suit has not been filed. When you attempt to upload a document to support any claim on Chases website it required you to input a Claim Number ID ( Which is supposed to be provided by Chase ) What's your claim ID? \nYour claim ID should start with a capital \" C '' followed by a hyphen, 8 numbers, a second hyphen, then up to 16 numbers. \nCheck any letters we sent you for this ID. It will start with a capital \" C '' followed by a hyphen, 8 numbers, a second hyphen, then up to 16 numbers. If you don't know it, please call us at XXXX. \n\nBoth letters that I have received by the Chase Fraud Department does not include any such Claim ID. \n\nI will await your response. I can be contacted by email at XXXX or XXXX. \n\nXXXX XXXX XXXX XXXX : // XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX CEO Credit Card Services XXXX CFPB Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-02-05T12:58:14.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"20774","tags":null,"has_narrative":true,"complaint_id":"8288024","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-02-05T12:54:01.000Z","state":"MD","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Chase Fraud Department XX/XX/XXXX RE : credit card account number ending XXXX I have disputed a credit card charge on my account from XXXX in the amount of {$140.00} originally posted to my account on XX/XX/XXXX. You now have come back twice and determined that I am responsible for the charge. \nI contacted your fraud department on several occasions. On the initial conversation your personnel provided me with a number ( XXXX XXXX ) to contact the vendor to resolve the issue."],"product":["Credit card"],"issue":["Problem with a purchase shown on your statement"],"sub_product":["General-purpose credit card or charge card"],"sub_issue":["Credit card company isn't resolving a dispute about a purchase on your statement"]},"sort":[15.473385,"8288024"]},{"_index":"complaint-public-v1","_id":"6390057","_score":15.457792,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX, I purchased a package from XXXX XXXX, for the following : XXXX XXXX ANYWHERE IN US : XXXX XXXX XXXX XXXX from and to anywhere in the US ( XXXX must fly within your chosen cities ). \n3 Nights of hotel at a XXXX in your chosen city. \n{$250.00} Gift certificate to XXXX XXXX in your chosen city. \n\nXXXX XXXX operates a non-profit organization, XXXX XXXX XXXX XXXX XXXX. \nXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, A NONPROFIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | VIRGINIA | XXXX | XXXX I was communicating with a XXXX XXXXXXXX director of public relation and external affairs. XXXX per a phone conversation week of XX/XX/XXXX, stated this was all a fraud. \nI have sent over 10 emails trying to get a response, but no one never respond back. I did get a response a couple of months after the purchase. I made the purchase with my Macy 's American Express card. All emails within four months of purchase indicated I would receive the package. I never did receive the package.\n\nI have submitted numerous emails requesting my package.\n\nI have also contact Macy 's American Express but have been told the time frame of filing a dispute has expired. I feel Macy 's did not conduct a proper investigation as I uploaded all email communication with the organization. I have over 20 emails requesting the package. This organization took money from a lot of Veterans. A search on XXXX shows this organization took money from Veterans to have parties and expensive trips. \n\nCan you assist me in a refund? \n\nBelow is the response I received from Macy 's. \n\nDear XXXX XXXX, Why we're writing you Thank you for your inquiry regarding the charge made at XXXX on XX/XX/XXXX in the amount of {$350.00}. Due to the amount of time that has elapsed since this charge was first billed, we no longer have recourse to obtain credit for this charge. \nWe now consider this matter resolved and have completed our investigation. Any amount placed in dispute status has been removed. \nSome important information While we realize your account may be in good standing, Federal Regulations require us to remind you that we may report your account as past due to the consumer reporting agencies listed below if we do not receive the minimum payment by the due date shown on your billing statement. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX How to contact us If you have additional questions regarding your account, our Representatives are available to assist you. Please contact us online at XXXX or at the phone number below. \nPlease know we made a sincere effort to address your concern and reach a resolution. \n\nSincerely, Customer Service Phone : XXXX I am a retired XXXX Veteran living on a fix income. I was drafted after XXXX and received an injury. I begged and begged these people for my package or a refund. I still have all communicating emails.","date_sent_to_company":"2023-01-04T01:57:57.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"46307","tags":"Servicemember","has_narrative":true,"complaint_id":"6390057","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-01-04T01:23:16.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Some important information While we realize your account may be in good standing, Federal Regulations require us to remind you that we may report your account as past due to the consumer reporting agencies listed below if we do not receive the minimum payment by the due date shown on your billing statement."],"product":["Credit card or prepaid card"],"issue":["Problem with a purchase shown on your statement"],"sub_product":["General-purpose credit card or charge card"],"sub_issue":["Credit card company isn't resolving a dispute about a purchase on your statement"]},"sort":[15.457792,"6390057"]},{"_index":"complaint-public-v1","_id":"3299272","_score":15.401676,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Please see letter written to Synchrony Bank, which provides all details of the dispute. \n\nXX/XX/2019 Synchrony Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Utah XXXX Dear XXXX XXXX : I am writing to you about a CARE CREDIT card I have with you. I have had numerous conversations with your customer service team in regard to a deferred interest issue and we have been unable to remediate the issue. \n\nThere have been numerous issues I have had throughout my time doing business with your company. Communication on your end has consistently been deceptive and unfair ; terms were not properly conveyed, and promises were made that were never kept. \n\nWhen originally opening the card, it was presented as an easy way to pay medical bills that were unaffordable to me at the time. I am a senior and unfortunately, I was unable to pay large medicals bills in one bulk payment. As it was presented, your card seemed like a logical answer to my problem. I was advised if I paid a set agreed upon amount a month I would pay my balance off and not be charged any interest. Again, this was appealing to me as I do not have the income to pay excessive interest on top of the high medical bill ( s ). After opening the card, I made payments religiously and assumed my balance would payoff over the time set without any interest charges. \nIn XX/XX/2019, I received a bill showing I was charged an excessive amount of interest and I immediately called your customer service department to see what had happened. After speaking to a representative from Synchrony, I found out it was due to deferred interest charges. I explained the issue or misunderstanding in terms to the representative and she advised that she understood and that I could just pay off the principal balance and she would waive the deferred interest charged. She advised that this transaction would pay my balance in full. At this time, I paid the amount she stated was due ( {$360.00} ), and assumed the account was closed as paid in full as agreed. \nThe following month, I received a statement showing I still had a balance and I immediately called your customer service department. I was advised that the previous agent misspoke, and you would not be waiving any charges. I have called numerous times after this conversation and I been advised by management that nothing could be done. At this time, due to deferred interest, my balance is at {$920.00}, which is more than I originally borrowed. \n\nYour practices have continued to be deceptive and misleading. I expect a company to properly convey the terms of the agreement and stand by what their representatives say and/or promise. Neither of these actions have been shown. \nThe CFPB has completed numerous studies showing many deferred-interest products lack transparency, which causes many consumers to not fully understand how deferred interest promotions operate and the manner in which interest is assessed on these products. A lack of transparency can harm consumers by impeding their ability to manage their finances successfully. The potential for confusion only increases if these accounts are used for other purchases as well. \n\nYour companies lack of transparency has been extremely harmful to me and has caused a great financial burden and great deal of stress. I believe your CARE CREDIT product preys on the elderly in their time of need ( medical issues ) and your goal is to confuse people in a very vulnerable state. \n\nAt this time, I have decided to pay the minimum on the card until this issue is resolved, as my credit is being affected. As part of the resolution, I expect my credit to be corrected to show me as current and paid in full, with no delinquencies present. I now have delinquencies shown which is also hurting my ability to move into a senior living community. \n\nComplaints have also been logged with the CFPB and FTC. \n\nPlease let me know how we can rectify this issue in a quick manner. \n\nThank you for your assistance.","date_sent_to_company":"2019-07-08T18:16:04.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"750XX","tags":"Older American","has_narrative":true,"complaint_id":"3299272","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2019-07-08T17:54:49.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["At this time, I have decided to pay the minimum on the card until this issue is resolved, as my credit is being affected. As part of the resolution, I expect my credit to be corrected to show me as current and paid in full, with no delinquencies present. I now have delinquencies shown which is also hurting my ability to move into a senior living community. \n\nComplaints have also been logged with the CFPB and FTC. \n\nPlease let me know how we can rectify this issue in a quick manner."],"product":["Credit card or prepaid card"],"sub_product":["General-purpose credit card or charge card"]},"sort":[15.401676,"3299272"]},{"_index":"complaint-public-v1","_id":"17357989","_score":15.162064,"_source":{"product":"Credit card","complaint_what_happened":"PART XXXX : COMPLAINT DETAILS Company : JPMorgan Chase Bank , N.A . \nProduct : Credit card or prepaid card Sub-product : General-purpose credit card or charge card Issue : Problem with a purchase shown on your statement Sub-issue : Credit card company isn't resolving a dispute about a purchase on your statement Date of Incident : XX/XX/XXXX ( when charge reappeared on account ) PART XXXX : DETAILED COMPLAINT TEXT SUMMARY : I am being held liable for a {$290.00} charge from XXXX despite the merchant confirming in writing that no goods were delivered. Chase has refused to process my billing error dispute, instead directing me to a closed fraud case that is unrelated to the current issue. \n\nCHRONOLOGICAL TIMELINE : XX/XX/XXXX : - XX/XX/XXXX : I made a legitimate {$170.00} purchase from XXXX for medication XX/XX/XXXX : - XX/XX/XXXX : XXXX charged my Chase Freedom Flex card ( ending in XXXX ) {$290.00} for what I later learned was an automatic subscription renewal ( Invoice # XXXX ) - I was unaware this was a recurring subscription charge XX/XX/XXXX : - Early XX/XX/XXXX : Upon seeing the {$290.00} charge, I did not recognize it as a subscription renewal and reported it to Chase as potential fraud - XX/XX/XXXX : Chase provided provisional fraud credit of {$290.00} ( posted XX/XX/XXXX ) - XX/XX/XXXX : Chase closed my card ending in XXXX and issued new card ending in XXXX - XXXX XXXX : Chase conducted fraud investigation XX/XX/XXXX : - Chase determined the XX/XX/XXXX charge was a legitimate authorized subscription- I paid my account balance to {$0.00} in good faith - XX/XX/XXXX : XXXX attempted to charge the OLD closed card ( XXXX ) for the next subscription month - XX/XX/XXXX : I received email from XXXX stating \" our recent attempts to charge your XXXX XXXX have failed '' XX/XX/XXXX : - XX/XX/XXXX : Chase reversed XXXX fraud provisional credit by posting a {$290.00} \" adjustment '' to my account - XX/XX/XXXX : I contacted XXXX to request proof of delivery for the XX/XX/XXXX charge - XX/XX/XXXX : XXXX responded IN WRITING with XXXX critical confirmations : EMAIL XXXX ( XX/XX/XXXX XXXX AM ) : \" After reviewing your account, we weren't able to find a recent refill request. Because of this, no additional medication has been sent out. '' EMAIL XXXX ( XX/XX/XXXX XXXX PM ) : \" Upon reviewing your account, and excluding the payment made on XX/XX/XXXX ( which was already refunded ), we can confirm that you have made XXXX successful payment on XX/XX/XXXX. '' - XX/XX/XXXX : Chase statement closed showing {$290.00} balance due XX/XX/XXXX - XX/XX/XXXX ( multiple attempts ) : I called Chase customer service at XXXX multiple times attempting to file a billing error dispute - Each time, Chase representatives told me they could not process a dispute and transferred me to the fraud department - Fraud department stated the fraud case is closed and they can not help- I was passed between departments with no resolution - No one would file my billing error dispute despite my explicit requests THE CORE ISSUE : I am being held liable for {$290.00} for goods I never received. The merchant has confirmed in writing : XXXX. No refill request exists for the XX/XX/XXXX charge XXXX. No medication was shipped XXXX. The payment was \" already refunded '' in their system XXXX. I have only XXXX successful payment on record ( XX/XX/XXXX ) Despite this clear evidence that no goods were delivered, Chase refuses to process my billing error dispute. \n\nVIOLATION OF FEDERAL LAW : This constitutes a violation of the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z ( 12 CFR 1026.13 ), specifically : 1. Regulation Z 1026.13 ( a ) ( 3 ) : A billing error includes \" a reflection on a periodic statement of goods or services not accepted by the obligor or the obligor 's designee or not delivered to the obligor or the obligor 's designee as agreed. '' 2. Regulation Z 1026.13 ( d ) : When a consumer disputes a billing error, the creditor must conduct a reasonable investigation and either correct the error or explain why the bill is correct. \n\nXXXX. Chase has refused to investigate despite : - Written confirmation from the merchant that no goods were delivered - My multiple attempts to file the dispute by phone - Clear evidence this is a legitimate billing error, not a fraud dispute CONFUSION CAUSED BY CHASE : The fraud investigation is a SEPARATE issue from this billing error dispute : - Fraud question : \" Did I authorize this charge? '' Answer : YES ( fraud case closed ) - Billing error question : \" Did I receive what I paid for? '' Answer : NO ( current dispute ) Chase 's representatives are conflating these XXXX separate issues and using the closed fraud case as a reason to refuse processing my billing error dispute. This violates my rights under federal consumer protection law. \n\nI have acted in good faith throughout : - I paid my account to {$0.00} believing the matter was resolved - I contacted the merchant directly to attempt resolution - I obtained written confirmation from the merchant- I made multiple attempts to file the dispute with Chase - I followed proper procedures under the Fair Credit Billing Act FINANCIAL HARM : - Current balance : {$290.00} - Payment due : XX/XX/XXXX - Minimum payment due : {$40.00} - If unpaid, I face : late fees up to {$40.00}, penalty APR up to 29.99 %, and negative credit reporting REQUESTED RESOLUTION : 1. Chase must accept and process my billing error dispute under Regulation Z 2. Immediate provisional credit of {$290.00} while investigation is pending ( as required by Reg Z 1026.13 ( f ) ( 2 ) ) 3. Chase must contact XXXX directly to verify no goods were delivered 4. Permanent removal of the {$290.00} charge based on merchant 's written confirmation 5. Written confirmation that this matter will not be reported negatively to credit bureaus 6. Written documentation of Chase 's investigation findings 7. Assurance that Chase will properly train representatives to distinguish between fraud disputes and billing error disputes ADDITIONAL CONTEXT : I attempted to resolve this by phone multiple times but was refused service. I should not be required to pay {$290.00} for goods I never received simply because Chase representatives do not understand the difference between a fraud dispute and a billing error dispute, or because their system incorrectly flags this as a closed fraud case. \n\nThe merchant 's own records confirm no goods were delivered. This is a clear-cut billing error under federal law, and Chase is required to investigate and resolve it.\n\nKEY EVIDENCE ATTACHED : 1. MERCHANT CONFIRMATION OF NON-DELIVERY : - Email dated XX/XX/XXXX, XXXX XXXX : XXXX states \" we weren't able to find a recent refill request. Because of this, no additional medication has been sent out. '' - Email dated XX/XX/XXXX, XXXX PM : XXXX states \" excluding the payment made on XX/XX/XXXX ( which was already refunded ), we can confirm that you have made XXXX successful payment on XX/XX/XXXX. '' - These emails prove the merchant did not deliver goods for the disputed {$290.00} charge XXXX. CHASE STATEMENTS SHOWING THE CHARGE : - XX/XX/XXXX statement shows {$290.00} charge from \" XXXX XXXX XXXX XXXXXXXX XXXX '' with transaction date XX/XX/XXXX - Statement shows current balance of {$290.00} due XX/XX/XXXX - Previous statements show the fraud credit and subsequent reversal XXXX. TRANSACTION HISTORY : - XXXX export shows adjustment posting on XX/XX/XXXX for - {$290.00} ( reversal of fraud credit ) - This confirms the charge reappeared after fraud investigation concluded XXXX. MERCHANT INVOICE : - Invoice # XXXX dated XX/XX/XXXX shows original charge of {$290.00} - Status marked \" PAID '' via XXXX XXXX ( XXXX ending XXXX ) - This is the charge for which no goods were delivered XXXX. CURRENT ACCOUNT STATUS : - Online account view dated XX/XX/XXXX shows current balance {$290.00} - Shows last statement balance {$290.00} - Payment due XX/XX/XXXX : {$40.00} minimum","date_sent_to_company":"2025-11-20T00:44:11.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"65201","tags":null,"has_narrative":true,"complaint_id":"17357989","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-11-19T23:57:40.000Z","state":"MO","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Product : Credit card or prepaid card Sub-product : General-purpose credit card or charge card Issue : Problem with a purchase shown on your statement Sub-issue : Credit card company isn't resolving a dispute about a purchase on your statement Date of Incident : XX/XX/XXXX ( when charge reappeared on account ) PART XXXX : DETAILED COMPLAINT TEXT SUMMARY : I am being held liable for a {$290.00} charge from XXXX despite the merchant confirming in writing that no goods were delivered."],"product":["Credit card"],"issue":["Problem with a purchase shown on your statement"],"sub_product":["General-purpose credit card or charge card"],"sub_issue":["Credit card company isn't resolving a dispute about a purchase on your statement"]},"sort":[15.162064,"17357989"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":100,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":100}]}},"product":{"doc_count":100,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card","doc_count":32,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":27},{"key":"Store credit card","doc_count":3}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":25,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":25}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":23,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":23}]}},{"key":"Credit card or prepaid card","doc_count":15,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":12},{"key":"Store credit card","doc_count":3}]}},{"key":"Checking or savings account","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":2}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mobile or digital wallet","doc_count":1},{"key":"Virtual currency","doc_count":1}]}},{"key":"Prepaid card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Payroll card","doc_count":1}]}}]}},"issue":{"doc_count":100,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with a purchase shown on your statement","doc_count":37,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":30},{"key":"Card was charged for something you did not purchase with the card","doc_count":7}]}},{"key":"Incorrect information on your report","doc_count":18,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":16},{"key":"Old information reappears or never goes away","doc_count":2}]}},{"key":"Improper use of your report","doc_count":17,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":17}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":4},{"key":"Investigation took more than 30 days","doc_count":2},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":1}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":6}]}},{"key":"Fees or interest","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with fees","doc_count":2},{"key":"Unexpected increase in interest rate","doc_count":1}]}},{"key":"Getting a credit card","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card opened as result of identity theft or fraud","doc_count":3}]}},{"key":"Delinquent account","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Fraud or scam","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Managing an account","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Deposits and withdrawals","doc_count":2}]}},{"key":"Closing your account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":1}]}},{"key":"Other features, terms, or problems","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":1}]}},{"key":"Problem with a purchase or transfer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card company isn't resolving a dispute about a purchase or transfer","doc_count":1}]}}]}},"timely":{"doc_count":100,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":100}]}},"company_response":{"doc_count":100,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":58},{"key":"Closed with non-monetary relief","doc_count":34},{"key":"Closed with monetary relief","doc_count":8}]}},"submitted_via":{"doc_count":100,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":100}]}},"company":{"doc_count":100,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":15},{"key":"JPMORGAN CHASE & CO.","doc_count":13},{"key":"Experian Information Solutions Inc.","doc_count":11},{"key":"EQUIFAX, INC.","doc_count":10},{"key":"CITIBANK, N.A.","doc_count":8},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":6},{"key":"SYNCHRONY FINANCIAL","doc_count":6},{"key":"AMERICAN EXPRESS COMPANY","doc_count":3},{"key":"Bread Financial Holdings, Inc.","doc_count":3},{"key":"U.S. BANCORP","doc_count":3},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":2},{"key":"CBC Companies, Inc.","doc_count":2},{"key":"GOLDMAN SACHS BANK USA","doc_count":2},{"key":"LEXISNEXIS","doc_count":2},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":2},{"key":"Aldous & Associates, PLLC","doc_count":1},{"key":"Continental Finance Company, LLC","doc_count":1},{"key":"DISCOVER BANK","doc_count":1},{"key":"ID Analytics, Inc.","doc_count":1},{"key":"Indie Technology DBA Found","doc_count":1},{"key":"KEYCORP","doc_count":1},{"key":"Klarna AB","doc_count":1},{"key":"Netspend Corporation","doc_count":1},{"key":"ROBINHOOD MARKETS INC.","doc_count":1},{"key":"Resurgent Capital Services L.P.","doc_count":1},{"key":"TRANSWORLD SYSTEMS INC","doc_count":1},{"key":"WELLS FARGO & COMPANY","doc_count":1}]}},"state":{"doc_count":100,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CA","doc_count":24},{"key":"GA","doc_count":16},{"key":"NY","doc_count":7},{"key":"TX","doc_count":7},{"key":"FL","doc_count":5},{"key":"WA","doc_count":4},{"key":"IL","doc_count":3},{"key":"IN","doc_count":3},{"key":"NC","doc_count":3},{"key":"VA","doc_count":3},{"key":"AZ","doc_count":2},{"key":"CT","doc_count":2},{"key":"LA","doc_count":2},{"key":"MD","doc_count":2},{"key":"MI","doc_count":2},{"key":"MN","doc_count":2},{"key":"MO","doc_count":2},{"key":"NJ","doc_count":2},{"key":"OK","doc_count":2},{"key":"PA","doc_count":2},{"key":"AR","doc_count":1},{"key":"IA","doc_count":1},{"key":"MA","doc_count":1},{"key":"NV","doc_count":1},{"key":"TN","doc_count":1}]}},"company_public_response":{"doc_count":100,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":47},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":2}]}},"tags":{"doc_count":100,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Older American","doc_count":9},{"key":"Servicemember","doc_count":5}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[15.162468,"17357989"],"3":[10.494545,"7460987"],"4":[7.033442,"6891834"]}}}