{"took":79,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":192,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6559043","_score":20.674038,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/ I received a call from the Chase customer service number ( XXXX ) from someone identifying themselves as a customer service rep stating transfers were attempted on my account and that in order to have these transfers reversed, I needed to submit a wire to the designated account that the rep provided in the amount of XXXX for the investigation process. I was taken advantage of by following what I presumed was a real representatives instructions with the intent to secure the funds. To verify me as the account holder he asked me for my full name, address, full card details and pin, date of birth, last XXXX digits of social. \nI was worried about my account after this occurred so I reached out to Chase myself for additional information and realized it was a scam after they had no records of anything I was describing. I asked them for assistance immediately on what I should do and initiated a wire recall the same day and canceled my card, changed my username, password and email for the app. \nMy first call at XXXX I was transferred 3 times until the last rep told me to do a recall on the app and that he would do it on my behalf as well since it was not available in the secure messaging section as described. I found it myself in the request info option on the transaction. I also went to my local branch for advice but they were also unable to help and called customer service inside the bank for me around XXXX and this rep told me they approved the transaction with me and that I said it was for business purposes, I immediately told her there was no possible way that was me they spoke to but she said there is nothing that can be done about that. It was not until XXXX when I reached a rep that escalated my case since he did not see the wire recall request. Upon questioning how this wire was approved in the first place given the large sum of XXXX, the fact that I never sent a wire before, and my account history over the years, I was told again on XX/XX/XXXX at XXXX that legitimacy had been verified, this rep stated if they saw this transaction they would not have let it go through as they are trained on this. \nI was not reached about the nature of this transaction, if I had I would have been able to explain the circumstances and stopped it with real reps. I suspect the scammer also spoofed my number and used my credentials to verify my identity in order to pass this through their security measures. I was on the phone with him at the time stamp they recorded ( XXXX ). \nOn XX/XX/XXXX I was notified by retail wire servicing through secure messaging on the app that the recall was initiated and swift message was sent, they advised since it was fraud to initiate a claim and wait XXXX business days for the receiving banks response since the money was now no longer with Chase. I reached out to retail wire servicing XX/XX/XXXX via secure message on the chase bank app for any update and they responded XX/XX/XXXX that the recall was not successful on XX/XX/XXXX. \nI called the customer claims department for the next course of action at XXXX XX/XX/XXXX and was told by a supervisor named XXXX my claim is denied for inability to recall the funds and that I have only law enforcement left. I did everything I could to recover from this attack but they were unable to help retrieve the money. I have reported this incident to my local police department, the FTC & IC3 and sent in requests for fraud alerts from the XXXX credit bureaus. \nThis situation has been extremely devastating to me and I am very concerned with how easy it was for the scammer to not only impersonate a rep but also myself to bypass all the security measures put in place to prevent these occurrence 's. My bank has told me there is nothing else they can do for this matter and law enforcement is my only option. There needs to be better protection for bank customers from scams. The response from the bank leaves me with my worst fear that I will never be able to recover this money. This was my life 's savings and I am seeking any resolution for recovery.","date_sent_to_company":"2023-02-11T08:55:56.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"103XX","tags":null,"has_narrative":true,"complaint_id":"6559043","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-02-11T08:39:30.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I also went to my local branch for advice but they were also unable to help and called <em>customer</em> <em>service</em> inside the bank for me around XXXX and this rep told me they approved the <em>transaction</em> with me and that I <em>said</em> it was for business purposes, I immediately told her there was no possible way that was me they spoke to but she <em>said</em> there is nothing that can be done about that. It was not until XXXX when I reached a rep that escalated my case since he did not see the wire <em>recall</em> request."],"product":["Money transfer, virtual currency, or money <em>service</em>"]},"sort":[20.674038,"6559043"]},{"_index":"complaint-public-v1","_id":"11275682","_score":20.59495,"_source":{"product":"Prepaid card","complaint_what_happened":"I was giving a {$100.00} Visa XXXX XXXX XXXX. I do not recall the exact date but it was sometime in late XXXXXXXX XXXX I tried using it recently and the transaction did not go through. I when to the customer service web site ( wXXXX  ) to verify card balance. When I entered the requested card number and XXXX digit number in the back of the card it would not except the card as being valid. I called the customer service number ( XXXX ) on the back of the card. The representative said the card was deactivated do to possible \" fraud ''. She said to fax a copy of the card along with my ID. I did as requested over three months ago but never received any response and my card is still deactivated. The card is issued by U.S. Bank National Association. Apparently a lot have people have had similar issues with this company as they are scamming individuals with this type of practice.","date_sent_to_company":"2024-12-23T15:16:31.000Z","issue":"Trouble using the card","sub_product":"General-purpose prepaid card","zip_code":"201XX","tags":null,"has_narrative":true,"complaint_id":"11275682","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2024-12-23T14:32:18.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trouble using the card to spend money in a store or online"},"highlight":{"complaint_what_happened":["I do not <em>recall</em> the exact date but it was sometime in late XXXXXXXX XXXX I tried using it recently and the <em>transaction</em> did not go through. I when to the <em>customer</em> <em>service</em> web site ( wXXXX  ) to verify card balance. When I entered the requested card number and XXXX digit number in the back of the card it would not except the card as being valid. I called the <em>customer</em> <em>service</em> number ( XXXX ) on the back of the card. The representative <em>said</em> the card was deactivated do to possible \" fraud ''."]},"sort":[20.59495,"11275682"]},{"_index":"complaint-public-v1","_id":"12416659","_score":20.39572,"_source":{"product":"Checking or savings account","complaint_what_happened":"I was charged for a service I wanted to cancel it was not what I had expected. I ask my bank to dispute the transaction, but the XXXX charge for {$77.00} was not dismissed. \n\nAlso, I asked the bank to give me the name of the company that charged me and they refused to tell me, so it was hard for me to recall the transaction and so the bank said they had to cancel my debit card and send me a new one. This really caused a lot of stress for me, as I had to contact all my autopay bills to change the debit card information. \n\nI do not think it is right for my bank to not tell me what companies are charging me or just telling me it was a \" XXXX '' charge. It seems like the bank is taking the side of the business instead of the customer.","date_sent_to_company":"2025-03-11T23:43:26.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"98106","tags":"Older American","has_narrative":true,"complaint_id":"12416659","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-03-11T23:20:02.000Z","state":"WA","company_public_response":null,"sub_issue":"Can't stop withdrawals from your account"},"highlight":{"complaint_what_happened":["I was charged for a <em>service</em> I wanted to cancel it was not what I had expected. I ask my bank to dispute the <em>transaction</em>, but the XXXX charge for {$77.00} was not dismissed. \n\nAlso, I asked the bank to give me the name of the company that charged me and they refused to tell me, so it was hard for me to <em>recall</em> the <em>transaction</em> and so the bank <em>said</em> they had to cancel my debit card and send me a new one."]},"sort":[20.39572,"12416659"]},{"_index":"complaint-public-v1","_id":"12685509","_score":20.2536,"_source":{"product":"Checking or savings account","complaint_what_happened":"I opened an Amex Joint High Yield Saving account with my spouse and transferred fund, deposited checks into the account. One of my checks was returned and my account was suddenly closed with no communication.\n\nI tried calling their customer service twice and they refused to provide any explanation, just said that my account was closed, and that they were \" uncomfortable '' to return my funds.\n\nThe representatives told me to go read the customer agreement to see what was wrong and told me to go through each transaction I made, contact each bank that initialized the transfer or provided the check to recall it on my own, which is very irresponsible.\n\nWhen I asked for written documentation of my attempted communication to resolve the situation, they replied with \" This is not how we do it ''.\n\nWhen I asked for anyone who can provide it, they said no supervisor is available, and that they will call us back. No further communication was made.","date_sent_to_company":"2025-03-27T18:23:23.000Z","issue":"Closing an account","sub_product":"Savings account","zip_code":"025XX","tags":null,"has_narrative":true,"complaint_id":"12685509","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-03-27T17:57:46.000Z","state":"MA","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I tried calling their <em>customer</em> <em>service</em> twice and they refused to provide any explanation, just <em>said</em> that my account was closed, and that they were \" uncomfortable '' to return my funds.\n\nThe representatives told me to go read the <em>customer</em> agreement to see what was wrong and told me to go through each <em>transaction</em> I made, contact each bank that initialized the transfer or provided the check to <em>recall</em> it on my own, which is very irresponsible."]},"sort":[20.2536,"12685509"]},{"_index":"complaint-public-v1","_id":"5756132","_score":18.817993,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XX/XX/XXXX - I attempted to make an international transfer through Wise to a service provider using an XXXX. Wise sent me a message immediately saying they could only make the transfer using the XXXX XXXX. I responded providing the XXXX details. ( Transaction # XXXX ; amount XXXX XXXX  ) XX/XX/XXXX - I logged into my account to see the transaction was still paused. This transfer had urgency so I contacted customer service via Wises in browser chat to see what was the status. I was informed that there was an error on their end and it would take 5 days to clear. I asked if the agent could cancel the transaction. He said he could. I asked him to. He confirmed the transaction as cancelled. I made the transfer again using alternative XXXX based account details provided by the service provider. The transfer was made instantly and the service provider confirmed. ( Transfer # XXXX, amount XXXX XXXX  ) XX/XX/XXXX - I logged into my account and notice that the transfer that had been cancelled is marked as sent. I immediately contact Wise support via email. I received a response from XXXX XXXX ( Wise  ) with an email saying my transaction had not been cancelled but could be recalled. I replied immediately explaining again that they had provided cancellation confirmation to me, the transaction should not have been sent, and they payment needs to be recalled. \n\nXXXX - I receive notification that my account is being closed. I file a formal XXXX with Wise  regarding the cancelled transaction. \n\nXXXX - I receive an email from XXXX XXXX ( Wise ) telling me my transaction has been sent ( It appears they are not reading my messages at all ). I respond with the following immediately : \" I realize it was sent. I received confirmation that it was cancelled from you via your support chat and the money was sent twice as a result. You then sent it even though your support told me it was cancelled. You need to return my money for this transaction. '' XXXX - After receiving no reply. I send one more message telling them I will be filing formal complaints with whatever regulatory authorities are relevant. I receive no reply to this message either. \n\nXX/XX/XXXX - I no longer have access to my account or support.","date_sent_to_company":"2022-07-21T15:37:37.000Z","issue":"Other transaction problem","sub_product":"International money transfer","zip_code":"986XX","tags":null,"has_narrative":true,"complaint_id":"5756132","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"TransferWise Ltd","date_received":"2022-07-11T15:28:52.000Z","state":"WA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["XX/XX/XXXX - I attempted to make an international transfer through Wise to a <em>service</em> provider using an XXXX. Wise sent me a message immediately saying they could only make the transfer using the XXXX XXXX. I responded providing the XXXX details. ( <em>Transaction</em> # XXXX ; amount XXXX XXXX  ) XX/XX/XXXX - I logged into my account to see the <em>transaction</em> was still paused. This transfer had urgency so I contacted <em>customer</em> <em>service</em> via Wises in browser chat to see what was the status."],"product":["Money transfer, virtual currency, or money <em>service</em>"],"issue":["Other <em>transaction</em> problem"]},"sort":[18.817993,"5756132"]},{"_index":"complaint-public-v1","_id":"9136294","_score":18.776379,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I was recently scammed during a real estate closing process in which the scammer XXXX the seller agent 's email then provided me with fradulent wire instructions. I sent around {$750000.00} wire in total from my bank accounts ( XXXX, XXXX XXXX, and XXXX XXXX XXXX  ) to a scammer 's account at Truist Bank. FBI has confirmed that the money is gone. However, after calling the Truist Bank 's customer service, I found out that the recipient 's name I had for the wires did not match with the scam account holder 's name at Truist. More specifically, I sent the wires to \" XXXX XXXX XXXX, '' but the account holder 's name at Truist is \" XXXX XXXX XXXX XXXX XXXX. '' Despite this mismatch, the banks involved still processed the wires due to their negligence. Therefore, I would like to start a claim against the banks involved in the wire transaction. \n\nNow I have contacted the customer service departments at all of the banks, but they said they were only able to send out a recall request without any promise or timeline. FBI and local police department have also just updated me yesterday and said the money is gone. I would like to resolve this problem before seeking additional legal assistance.","date_sent_to_company":"2024-05-30T18:36:10.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"02155","tags":null,"has_narrative":true,"complaint_id":"9136294","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2024-05-30T18:20:51.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Therefore, I would like to start a claim against the banks involved in the wire <em>transaction</em>. \n\nNow I have contacted the <em>customer</em> <em>service</em> departments at all of the banks, but they <em>said</em> they were only able to send out a <em>recall</em> request without any promise or timeline. FBI and local police department have also just updated me yesterday and <em>said</em> the money is gone. I would like to resolve this problem before seeking additional legal assistance."],"product":["Money transfer, virtual currency, or money <em>service</em>"]},"sort":[18.776379,"9136294"]},{"_index":"complaint-public-v1","_id":"3275679","_score":18.615595,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"The imposters claiming to be a police officer reached out to me through a XXXX police department number and said that my SSN has been used to open illegal accounts. The fake police officer then \" transferred '' me to an alleged member of the FBI, whose fake name is XXXX XXXX. The member of the FBI said that my SSN has been involved in various suspicious activities including money laundering, drug trafficking, stolen vehicles, etc. He said that my bank account has been mixed in with the accounts of the people who have stolen my identity and told me to wire transfer money out of my CD account and into a given account number so that they can \" help sort through the bad accounts. '' I did as he asked for my Discover account and scheduled a wire transfer of {$15000.00} at XXXX ET on XX/XX/2019. \n\nOn the Discover wire transfer confirmation, it clearly said that for the wire transfer to send today, I must call for a verbal confirmation by XXXX. However, since I made the transfer at XXXX ET, by the time I granted the verbal confirmation it was already past XXXX ET, so the payment shouldn't have sent. Later when I realized that this has been a scam, I reached out to Discover, I was told that the {$15000.00} has already been transferred out of my account, and they can only put out a recall for the transfer. \n\nAs of right now, I have a case opened with Discover for the scam as well as an official police case number. The Discover customer service agents have been extremely helpful and closed out the bank account that was jeopardized, and I am hoping that Discover can successfully make a recall from the imposters. However, I do think that the way the bank allowed a transaction made right at the cut off time and authorized after the cut off to go through on the same day is misleading to the customers. If the policy were actually as listed on the confirmation page, the {$15000.00} would still be a pending transaction when I called the company and this could have been salvaged with damages. Based on this experience, I don't think Discover has actually protected my account as what they said they would do.","date_sent_to_company":"2019-06-14T22:24:19.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"10036","tags":null,"has_narrative":true,"complaint_id":"3275679","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2019-06-14T22:05:08.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The Discover <em>customer</em> <em>service</em> agents have been extremely helpful and closed out the bank account that was jeopardized, and I am hoping that Discover can successfully make a <em>recall</em> from the imposters. However, I do think that the way the bank allowed a <em>transaction</em> made right at the cut off time and authorized after the cut off to go through on the same day is misleading to the <em>customers</em>."],"product":["Money transfer, virtual currency, or money <em>service</em>"]},"sort":[18.615595,"3275679"]},{"_index":"complaint-public-v1","_id":"6051799","_score":18.185307,"_source":{"product":"Checking or savings account","complaint_what_happened":"Received statement from XXXXXXXX XXXX  indicating someone was trying to purchase an item for XXXX, not authorized. So I called XXXX and was told to call customer service number on the back of my card and asked for the fraud dept. I was connected to a person XXXX XXXX in the fraud dept., he said someone was trying to get money out of my saving acc. and we have to take the money out so they can't get it. So he advised a money transfer of XXXX to a company called XXXX XXXX XXXX in XXXX, NY so my bank did a transfer to that company. The man called XXXX XXXX from XXXX XXXX fraud dept. said he was making a folder and we would get this money back when things cool down. Then we learned the whole thing was a scam and asked the bank to do a wire recall to stop the transaction. The bank said it could be done. yesterday I received a letter from XXXX XXXX saying the case was closed as the holding bank would not return the money. Now I learned the holding bank may have been Capital One in the NY area. Hope you can help","date_sent_to_company":"2022-12-05T17:29:45.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Savings account","zip_code":"070XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"6051799","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2022-10-05T15:53:29.000Z","state":"NJ","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["The man called XXXX XXXX from XXXX XXXX fraud dept. <em>said</em> he was making a folder and we would get this money back when things cool down. Then we learned the whole thing was a scam and asked the bank to do a wire <em>recall</em> to stop the <em>transaction</em>. The bank <em>said</em> it could be done. yesterday I received a letter from XXXX XXXX saying the case was closed as the holding bank would not return the money. Now I learned the holding bank may have been Capital One in the NY area. Hope you can help"],"sub_issue":["<em>Transaction</em> was not authorized"]},"sort":[18.185307,"6051799"]},{"_index":"complaint-public-v1","_id":"9157148","_score":18.1737,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Complaint summary I am filing this complaint as I am attempting to recall funds from Wise Inc ( XXXX XXXX  ), back to my XXXX XXXX XXXXXXXX account. The request for a funds recall relates to a transfer I made on XX/XX/2024 for {$45000.00} USD from my XXXX XXXX XXXXXXXX account to Wise Inc ( XXXX XXXX ). \n\nI intended to send a wire from my XXXX XXXX XXXXXXXX account ( sending bank ) to Wise Inc, but when I submitted the transaction request, I coded the transaction as an external XXXX  instead of as a wire i.e. I sent an external XXXX transfer but used wire instructions. Wise Incs account is with XXXXXXXX XXXX ( receiving bank ). Wise has stated they can't locate the funds so the funds are now \" lost ''. I have not been able to get Wise to assist me in locating the funds and returning them to me. I would like Wise Inc to locate the funds and have them recalled to my XXXX XXXX XXXXXXXX account. \n\nI have contacted Wise at least XXXX times to see if they can help me locate the money and recall the funds back to my XXXX XXXX XXXXXXXX account. I am only able to contact Wise by either calling or emailing their customer service line. Wise requires that I provide a Proof of Payment document from XXXX XXXX XXXXXXXX before they can locate the funds. Wises Proof of Payment request includes the following : Sender details : Full name, Bank name, Sender bank details ; Beneficiary details : Full name, Customer ( XXXX  ) Wise account details, Date of the payment, Amount sent, Currency sent. XXXX XXXX XXXXXXXX wont send me a document with these details stating they are not allowed to share that information ( I have asked them numerous times for this information ). I have all the relevant details Wise is requesting, but because I dont have those details on a document created by XXXX XXXX XXXXXXXX , Wise will not help me to locate the funds. \nXXXX XXXX XXXXXXXX provided me with a credit trace number. They said Wise can use this to locate the funds, but Wise stated they will only look into the issue once I provide the proof of payment, even though I have shared the credit trace number with them. \nI have also shared screenshots with Wise from my XXXX XXXX XXXXXXXX portal showing every detail available to me related to the transaction in an effort to satisfy their proof of payment request. Wise said what I have provided is not sufficient to meet their proof of payment request. \n\nIn an attachment with this complaint, I have included all the screenshots I have previously shared with Wise as well as the transaction details. \n\nLastly, I have filed a claim dispute with XXXX XXXX  XXXX to see if they can assist me to recall the funds. I submitted the dispute on XX/XX/2024. The dispute with XXXX XXXX XXXXXXXX is currently in progress. \n\nNote : I was using Wise Inc to transfer money from my XXXX XXXX XXXX XXXX XXXXXXXXXXXX ) account to my XXXX XXXX bank account ( XXXX ). The intention was for Wise XXXX to then send the funds they received from my XXXX XXXX XXXXXXXX to my XXXX account. To transfer money via Wise Inc using a wire transfer, the process is as follows : first the customer wires money to Wise, who then sends the money on to the final recipient ( in this case my XXXX account ). My complaint relates to me wiring funds from my XXXX XXXX XXXX account to Wises XXXX XXXX account ( which is XXXX XXXX ).","date_sent_to_company":"2024-06-01T10:54:18.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"02131","tags":null,"has_narrative":true,"complaint_id":"9157148","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"TransferWise Ltd","date_received":"2024-06-01T09:46:34.000Z","state":"MA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I would like Wise Inc to locate the funds and have them <em>recalled</em> to my XXXX XXXX XXXXXXXX account. \n\nI have contacted Wise at least XXXX times to see if they can help me locate the money and <em>recall</em> the funds back to my XXXX XXXX XXXXXXXX account. I am only able to contact Wise by either calling or emailing their <em>customer</em> <em>service</em> line. Wise requires that I provide a Proof of Payment document from XXXX XXXX XXXXXXXX before they can locate the funds."],"product":["Money transfer, virtual currency, or money <em>service</em>"],"issue":["Other <em>transaction</em> problem"]},"sort":[18.1737,"9157148"]},{"_index":"complaint-public-v1","_id":"9176892","_score":18.037403,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing this complaint as I am attempting to recall funds from Chase Bank, back to my XXXX  XXXX XXXX account. The request for a funds recall relates to a transfer I made on XX/XX/year> for {$45000.00} USD from my XXXX  XXXX XXXX account to XXXX XXXX ( which uses Chase Bank ). I am filing a complaint with Chase as I dont have a direct relationship with them as it relates to this transaction so it is hard for me to engage with them through regular customer service channels. \n\nI intended to send a wire from my XXXX XXXX XXXXXXXX account ( sending bank ) to XXXX XXXX, but when I submitted the transaction request, I coded the transaction as an external ACH instead of as a wire i.e. I sent an external ACH transfer but used wire instructions. XXXX XXXX account is with Chase Bank ( receiving bank ). XXXX has stated they can't locate the funds so the funds are now \" lost ''. I have not been able to get XXXX to assist me in locating the funds and returning them to me. As Chase is the receiving bank and I have been unable to get XXXX to assist me I would like Chase bank to locate the funds and have them returned to my XXXX  XXXX XXXX account. \n\nI have contacted XXXX at least XXXX times to see if they can help me locate the money and recall the funds back to my XXXX  XXXX XXXX account. I am only able to contact XXXX by either calling or emailing their customer service line. XXXX requires that I provide a Proof of Payment document from XXXX  XXXX XXXX before they can locate the funds. Wises Proof of Payment request includes the following : Sender details : Full name, Bank name, Sender bank details ; Beneficiary details : Full name, Customer ( my ) Wise account details, Date of the payment, Amount sent, Currency sent. XXXX  XXXX XXXX wont send me a document with these details stating they are not allowed to share that information ( I have asked them numerous times for this information ). I have all the relevant details XXXX is requesting, but because I dont have those details on a document created by XXXX  XXXX XXXX XXXX XXXX will not help me to locate the funds. \n\nXXXX  XXXX XXXX provided me with a credit trace number. They said XXXX and/or Chase can use this to locate the funds, but XXXX stated they will only look into the issue once I provide the proof of payment, even though I have shared the credit trace number with them. \n\nI have also shared screenshots with XXXX from my XXXX  XXXX XXXX portal showing every detail available to me related to the transaction in an effort to satisfy their proof of payment request. XXXX said what I have provided is not sufficient to meet their proof of payment request. \n\nIn an attachment with this complaint, I have included all the screenshots I have previously shared with XXXX as well as the transaction details. I have also included the credit trace number XXXX  XXXX XXXX provided me. \n\nLastly, I have filed a claim dispute with XXXX  XXXX XXXX to see if they can assist me to recall the funds. I submitted the dispute on XX/XX/year>. The dispute with XXXX  XXXX XXXX is currently in progress. XXXX  XXXX XXXX has stated that they are currently waiting for a response from Chase bank. I filed a CFPB claim with XXXX on XX/XX/XXXX. \n\nNote : I was using XXXX XXXX to transfer money from my US XXXX XXXX  XXXX XXXX ) account to my XXXX XXXX bank account ( Kiwibank ). The intention was for XXXX XXXX to then send the funds they received from my XXXX  XXXX XXXX to my XXXX account. To transfer money via XXXX XXXX using a wire transfer, the process is as follows : first the customer wires money to XXXX, who then sends the money on to the final recipient ( in this case my XXXX account ). My complaint relates to me wiring funds from my XXXX  XXXX XXXX account to XXXX US bank account ( which is Chase Bank ).","date_sent_to_company":"2024-06-04T09:34:19.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"02131","tags":null,"has_narrative":true,"complaint_id":"9176892","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-06-04T09:00:40.000Z","state":"MA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am filing this complaint as I am attempting to <em>recall</em> funds from Chase Bank, back to my XXXX  XXXX XXXX account. The request for a funds <em>recall</em> relates to a transfer I made on XX/XX/year> for {$45000.00} USD from my XXXX  XXXX XXXX account to XXXX XXXX ( which uses Chase Bank ). I am filing a complaint with Chase as I dont have a direct relationship with them as it relates to this <em>transaction</em> so it is hard for me to engage with them through regular <em>customer</em> <em>service</em> channels."],"product":["Money transfer, virtual currency, or money <em>service</em>"],"issue":["Other <em>transaction</em> problem"]},"sort":[18.037403,"9176892"]},{"_index":"complaint-public-v1","_id":"9628538","_score":18.024,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Wells fargo checking account, have sent the wire for some company of XXXXXXXX XXXX XX/XX/XXXX, but I used routing number instead of account number, which I found out that XX/XX/XXXX called WELLS FARGO to cancel and recall that wire and return my money back {$5400.00}. later on WF told me they have filed RECALL XX/XX/XXXX they told me that it was XXXX XXXX was holding the fund, thus asked WF for WIRE TRANSACTION NUMBER that I called XXXX was fast reply email with I.T. TECHNITIAN actually confirmed that fund was returned to WF on same day email XX/XX/XXXX. during that time I called WF 3 times, they postpone the delay time for process confirmation 7 days another 7 days now 1month passed. Local WF called for meeting XX/XX/XXXX called WF customer service that no one filed the WIRE RECALL, which WF WAS TOLD ME each time they said they filed RECALL XX/XX/XXXX and request XXXX 3 TIMES. Now LOCAL WF officer told me wait for another 45 days. WF ( WELLS FARGO ) is actual XXXX XXXX XXXXXXXX XXXX, getting a WIRE confirmation takes 2 month and longer holding the money not returning back to my acct? \nThat amount was initially LOAN from WELLS FARGO, that they charging me of 10 % interest while they are holding the money longer each month about {$50.00} interest they are making now 2nd month {$100.00}, 3rd month {$150.00}.","date_sent_to_company":"2024-07-26T17:10:34.000Z","issue":"Money was not available when promised","sub_product":"Domestic (US) money transfer","zip_code":"90501","tags":null,"has_narrative":true,"complaint_id":"9628538","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-07-26T16:47:58.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Local WF called for meeting XX/XX/XXXX called WF <em>customer</em> <em>service</em> that no one filed the WIRE <em>RECALL</em>, which WF WAS TOLD ME each time they <em>said</em> they filed <em>RECALL</em> XX/XX/XXXX and request XXXX 3 TIMES. Now LOCAL WF officer told me wait for another 45 days. WF ( WELLS FARGO ) is actual XXXX XXXX XXXXXXXX XXXX, getting a WIRE confirmation takes 2 month and longer holding the money not returning back to my acct?"],"product":["Money transfer, virtual currency, or money <em>service</em>"]},"sort":[18.024,"9628538"]},{"_index":"complaint-public-v1","_id":"5581383","_score":17.987354,"_source":{"product":"Checking or savings account","complaint_what_happened":"It was around XXXX on XX/XX/XXXX while sitting down at my houses table that I decided to check my account balance at the wells Fargo app when i noticed there was a wire transaction that was just made the day before XX/XX/XXXX for the amount of {$40000.00} dollars, I got really confused i asked my husband if he made that transaction he said no I said me neither so we decided to call wells Fargo customer service to find out what happen they told us basically the transaction was made in person and there was nothing they could do over the phone that we had to file a claim in person at a branch. Next day XX/XX/XXXX we went to a branch to file a claim we stood there for about 3 hours they said they were going to make a recall on that money that day which they didn't we found out on XX/XX/XXXX when we went back to the bank they barely did the first attempt on XX/XX/XXXX which isn't right they said wait after the recall 10 days if no answer from the recipient bank they were going to transfer the case to the fraud dept It is been over 2 weeks now and all i heard from them is that they were not going to take responsibility over that money basically If I saved my money there is because i thought it was going to be ok not to find out some one in VA was going to impersonate me to still my money that easy I live in CO how can that be possible at a bank and why they do not want to respond when they allowed someone without nothing but a phone and a PIN number and obviously a fake ID to make a transaction for that amount of money in a state VA which I haven't been when they can see all the transactions are made in CO and for that much money. I went to the sheriffs dept to start a case I hope they are working on it because it is been a really hard last 2 weeks just thinking about that getting no good news from the bank that they do not want to give me back my hard earned money because I firmly believed it is 100 % they're fault for allowing someone to make such a wire transaction that easy I would like to get a lawyer but they said it is hard to fight banks and plus i have no money to afford one I really hope you guys can help me because it is really hard mentally and economically I've been mentally harmed damaged by all of this that ai really hope you guys can help me out with this and help me get some kind of psychologist help or some because by listening to the bank not wanting to give the money back is hard on me and my family even though it is 100 % they're responsibility","date_sent_to_company":"2022-05-20T02:02:47.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"80022","tags":null,"has_narrative":true,"complaint_id":"5581383","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-05-20T00:21:46.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["It was around XXXX on XX/XX/XXXX while sitting down at my houses table that I decided to check my account balance at the wells Fargo app when i noticed there was a wire <em>transaction</em> that was just made the day before XX/XX/XXXX for the amount of {$40000.00} dollars, I got really confused i asked my husband if he made that <em>transaction</em> he <em>said</em> no I <em>said</em> me neither so we decided to call wells Fargo <em>customer</em> <em>service</em> to find out what happen they told us basically the <em>transaction</em> was made in person and there"]},"sort":[17.987354,"5581383"]},{"_index":"complaint-public-v1","_id":"11270405","_score":17.77766,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX I received a phone call from the Wells Fargo customer service line ( XXXX ) XXXX. The banker on the phone asked me if I was familiar with a woman ( cant recall the womans name ) from XXXX XXXX. I confirmed I didnt recognize her name. He said that someone was attempting to make multiple purchases/transactions and transferred me to the fraud department where I was connected to a supervisor who claimed there were multiple transactions and recommended locking my online account access. At that point they locked my online banking and from that point forward I did not have any access to my account information, transactions etc. \n\nXX/XX/XXXX received another call from the Wells Fargo customer service line ( XXXX ) XXXX and who had access to confidential account information such as balance, user name, transaction history etc. and would be investigating further. Later that week I was contacted again with the assertion the source of the fraud was someone at the XXXX branch. He said they filed a police investigation but when I asked for any verification, none was forthcoming. As part of the investigation, he had me go to the branch and confirm a transaction under the guise that they needed to flush out the bad employee. \n\nBy Saturday, XX/XX/XXXX, I contacted Wells Fargo XXXX department again and was informed the this was an identify fraud scenario that included over a dozen of fraudulent money transfers, inter-account transfers, debit card transactions and a credit card cash advances totaling between $ XXXX. I made numerous claims as these transactions crossed multiple bank departments. \n\nOn XX/XX/XXXX or XX/XX/XXXX, I finally was able to access my Wells online and found XXXX additional unauthorized transactions and contacted Wells Fargo while also submitting an FBI report. \n\nAs of this date, while this entire process began with a fraudulent call from an official Wells Fargo customer service line, received fraudulent text code verifications etc. Wells claims no liability.","date_sent_to_company":"2024-12-23T17:44:41.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"90048","tags":null,"has_narrative":true,"complaint_id":"11270405","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-12-23T17:32:01.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX I received a phone call from the Wells Fargo <em>customer</em> <em>service</em> line ( XXXX ) XXXX. The banker on the phone asked me if I was familiar with a woman ( cant <em>recall</em> the womans name ) from XXXX XXXX. I confirmed I didnt recognize her name. He <em>said</em> that someone was attempting to make multiple purchases/transactions and transferred me to the fraud department where I was connected to a supervisor who claimed there were multiple transactions and recommended locking my online account access."]},"sort":[17.77766,"11270405"]},{"_index":"complaint-public-v1","_id":"4793101","_score":17.72374,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XXXX XXXX I became the victim of a complex and elaborate fraud scheme. \n\nThe details are as follows : At XXXX XXXX  mountain time, I received a Wells Fargo Fraud Alert text message. The message asked me if I had attempted a payment at XXXX # XXXX in the amount of {$100.00} and to respond with YES or NO. I did not authorize this transaction so I answered NO. Within minutes I received a telephone call from an individual. The caller ID said that the call was coming from Wells Fargo Customer Service at XXXX. I verified that this is the actual telephone number of Wells Fargo Customer Service. I asked the individual which of my two Wells Fargo checking accounts the transaction had occurred on and he gave me my COMPLETE and VALID Wells Fargo Checking account number. He told me that a number of wires had been performed on the account and asked me if I had done any wire transfers. I advised him that I hadnt. He told me that he would cancel them but he first needed to verify me by sending me an authorization code. He said that I would need to log in to online banking and enter the code. I signed on to online banking and told him that it didnt ask for the code so he just told me to give it to him. At that point he said he would cancel the wire transfers that had been performed. He said that I would be receiving a separate reference number for each cancelled transfer. I got several reference numbers. He then came back to the phone and said that he had successfully stopped all of the transfers. I had to leave for an appointment so that is where the conversation ended. During my appointment, I became suspicious and contacted Wells Fargo Customer Service. My phone records show that I made this call at XXXX XXXX XXXX XXXX. I feel that this contact is more than timely. I was advised that the funds in my deposit accounts had been concentrated to a single account along with the entire amount available on my line of credit. They advised me that {$19000.00} had been transferred by wire transfer to XXXX XXXX XXXX XXXXXXXX XXXX At that time I was told that they would attempt to recall the wire and would advise me. About 10 days later I was notified that the wire could not be recalled and that I had lost all of my money. I have discussed this decision with several people at Wells Fargo but have been told that this decision is final. \n\nI feel that Wells Fargo should never have allowed this wire to be completed. If they had Implemented the proper controls and had exercised proper due diligence, they would have discovered that the transactions performed on my account by the perpetrators were totally out of character for my account. \n\nThis is evidenced by the following. \n\nIn the entire 45+ years that I have been a customer of Wells Fargo and its predecessor banks, I have never performed even a single wire transfer .In the entire history of my accounts I have never done transfers between accounts in the numbers and for the amounts of those made to concentrate my funds as part of this fraud. I have never used my line of credit. In fact, I was notified by Wells Fargo that this product was being discontinued and the account would be closed. Additionally, this account does not appear on my online banking screen. How were the perpetrators able to access it?","date_sent_to_company":"2021-10-08T21:39:45.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"84780","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"4793101","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2021-10-08T21:28:16.000Z","state":"UT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I did not authorize this <em>transaction</em> so I answered NO. Within minutes I received a telephone call from an individual. The caller ID <em>said</em> that the call was coming from Wells Fargo <em>Customer</em> <em>Service</em> at XXXX. I verified that this is the actual telephone number of Wells Fargo <em>Customer</em> <em>Service</em>. I asked the individual which of my two Wells Fargo checking accounts the <em>transaction</em> had occurred on and he gave me my COMPLETE and VALID Wells Fargo Checking account number."],"product":["Money transfer, virtual currency, or money <em>service</em>"]},"sort":[17.72374,"4793101"]},{"_index":"complaint-public-v1","_id":"15694660","_score":17.320774,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/25, I received a text message from XXXX, appearing to be from Ally Bank inquiring if I attempted to withdraw {$300.00} using my debit card at an ATM. It said to reply Y for Yes or N for No. I replied N, and received a follow up text message stating that the transaction was declined and an associate would be reaching out shortly. I then received a phone call, which I declined in order to check the phone number with Ally Bank 's number. It did match the phone number ( XXXX ) for Ally Bank 's customer service department, so I answered the second phone call from that number. The person on the phone stated that since my debit card had been compromised, they needed me to verify my identity before they could authorize that debit card to be closed and issue a new debit card. He/she had me verify my username, along with the answers to XXXX of my security questions. They already knew the debit card number and my email address. A few hours after the call, I logged into my Ally bank account just to check it like I usually do & immediately noticed a fraudulent wire transfer that I had not authorized for {$30000.00} to XXXX XXXX ID : XXXX at XXXX  XXXX XXXX at XXXX XXXX. I immediately contacted Ally Bank to dispute the wire transfer at XXXX XXXX. I was told Ally would recall the wire transfer to recover the funds. ALLY DID NOT ATTEMPT TO RECALL THE WIRE TRANSFER UNTIL XX/XX/25 at XXXX XXXX, OVER XXXX HOURS LATER. XXXX  XXXX XXXX replied to Ally Bank that they were unsuccessful in recovering the funds and requested a hold harmless agreement on XX/XX/25 from Ally. I was not made aware of this communication between the banks, or that the funds weren't able to be recovered until XX/XX/25, even with me asking weekly for updates on the recovery of the funds- I was told they were waiting on correspondence from XXXX  XXXX XXXX to see if the funds could be recovered. During this time, I was also told that if the funds werent able to be recovered from the XXXX  XXXX XXXX account that they were fraudulently wired to, that Ally should be responsible for replacing the funds since it was a fraudulent transaction, as it states on their website, but upon mentioning this on XX/XX/25, I was told that it was not possible for the reason of giving out my username and answers to security questions, even after explaining that the phone number matched Allys customer service number listed on their website and after pointing out Allys FAILURE to send the wire recall in a timely manner, in which the funds could have been recalled. \n\nAlly is aware that I do not feel satisfied with their handling of the situation. I am currently waiting on a call from their Executive Customer Relations team, as promised on XX/XX/XXXX. It is now XX/XX/XXXX and I still have not heard from their team. I have called multiple times and nobody seems to be able to transfer me to talk to someone directly, so I am stuck waiting on a call from a team that I am beginning to think is non-existent.","date_sent_to_company":"2025-09-03T18:54:43.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"76240","tags":null,"has_narrative":true,"complaint_id":"15694660","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2025-09-03T18:32:35.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["It <em>said</em> to reply Y for Yes or N for No. I replied N, and received a follow up text message stating that the <em>transaction</em> was declined and an associate would be reaching out shortly. I then received a phone call, which I declined in order to check the phone number with Ally Bank 's number. It did match the phone number ( XXXX ) for Ally Bank 's <em>customer</em> <em>service</em> department, so I answered the second phone call from that number."],"product":["Money transfer, virtual currency, or money <em>service</em>"]},"sort":[17.320774,"15694660"]},{"_index":"complaint-public-v1","_id":"20021205","_score":17.294813,"_source":{"product":"Checking or savings account","complaint_what_happened":"To citiXXXX or any XXXX or XXXX XXXX Long time ago I have opened my account on this bank and after many time and many activities and transactions this bank has been restricted my account with many funds there, so after received the restriction notification I just contact XXXX and go to offices many times and the XXXX never offer any solution because dont have any idea about the ongoing situation, so after that support on the line just said my account will be closed without any reason or more information so after many complaints and long long time waiting for my respective funds issued on the regular check is still not received anything. \n\nI have read the agreement terms from me as a customer and the Company/Bank and based on customer and bank terms, and Citibank N. A conditions and agreements this company/bank dont have any arguments for held my funds for this long time without any justification, at this time need informationn about what are happening on this situation and what are the regulations based on your side for held my money and earning interest for the own benefits bank, According to responses received in previous complaints is clearly that responses or attention received is from an XXXX or any XXXX with lack of knowledge or experience in it. \nThe excuse or argument that my funds need to be \" recall funds '' from my customer 's bank or other people 's that pay me are clearly out of logical reasons or legal reasons because the normal and legal procedure after closing my account is send the respective refund check to my address on file in around XXXX days but nothing has been issued yet at XXXX months later with my funds cleared, avaliable and disposed to earning interest to the bank benefit. \n\n\nBased on asking to my XXXX and read my signed agreement with this Bank details I WILL NEED TO REQUEST THE FULL RELEASE of my funds and the respective refund check with my available balance, aside of this before go to XXXX I will search your \" Suggestion '' to say to my customers if they are interested to help making a recall funds back from your bank and these \" suggestions '' from Citibank are lack of logical, XXXX of these customers bank said that transaction are closing to reach XXXX year of the date originated without any fraud alert, impersonation, mistakes or something that alert your bank XXXX department and said Citibank doesn't have any logic to say that because if a return funds is needed they can do it but this is not the case because the customer doesn't have reported any problem with transfers. \n\nBased on all of this investigation and after found many evidence on my latest bank statements, asking to customers for recalls funds issuers banks said this is an XXXX requirement from this bank because this transfers are made many months ago and not surged any alerts of fraud, reversing or impersonation on your XXXX departments and said that Citibank are interfering my release from your side and every letter and excuses said from this Citibank is looks like this bank provide a service without comply the Federal regulations and your own agreements with customers, aside of this is obviously that XXXX or \" XXXX '' taking care of this complaints and cases with this type of arbitrary actions/decisions definitely has XXXX knowledge of what to do and what can't be done with this situations. \n\nAs a result of evidence on your responses and all of my research, statements and XXXX XXXX I will not obligated to do your \" suggestion '' because the bank are in the obligation of release my check and if is applicable the respective interest, XXXXmonths with my money fully cleared on your bank is a long time! \n\n\nSo if need to make an legal procedure or something please let me know, I will come to a news local channel for XXXX and publish this history for able to obtain our attention, I just want cooperation on your side for solve this and I hope for that!","date_sent_to_company":"2026-03-05T23:49:29.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"33327","tags":null,"has_narrative":true,"complaint_id":"20021205","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-03-05T23:45:17.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Based on all of this investigation and after found many evidence on my latest bank statements, asking to <em>customers</em> for <em>recalls</em> funds issuers banks <em>said</em> this is an XXXX requirement from this bank because this transfers are made many months ago and not surged any alerts of fraud, reversing or impersonation on your XXXX departments and <em>said</em> that Citibank are interfering my release from your side and every letter and excuses <em>said</em> from this Citibank is looks like this bank provide a <em>service</em> without comply"]},"sort":[17.294813,"20021205"]},{"_index":"complaint-public-v1","_id":"7146867","_score":17.241045,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I opened the business account on the TD bank. I ran 2 XXXX  payroll through TD on XX/XX/XXXX. On XX/XX/XXXX, the employee told me that he filled out the wrong bank account. I immediately reached out the Td bank customer service. One of representatives told me I can use the stop payment to stop the payroll. And I paid XXXX dollars for stop payments for my 2 transactions. It might take a week to return my money back. \nOn XX/XX/XXXX, only 1 transaction {$770.00} dollar was recalled. I called TD again. The rep said the other payment {$650.00} went through and told me that I should do the ACH dispute. I Definity will get the money back since I pay the stop payment. and the dispute might take a few months. \nOn XX/XX/XXXX, I reached out TD again. The rep told me my claim was decline because I did not file the claim within 24 hours and the rep has very bad attitude on me and kept stating I loss money because I filled out the wrong bank account. I asked the TD XXXX for help. The TD manager said she will call back. \nOn XX/XX/XXXX, I got a call back from TD. The guy over the phone told me \" stop payment won't be work for the payroll, and they apologized for my loss. But they only can refund me XXXX dollar for stop payment fee. Since the event passed for a few months, they can not do the ACH reversed for me. The reason why I was able to recall {$770.00} because XXXX returned the money back to me. \nOverall, the TD customer representatives provided very bad experience. I could get my money back if they provide the right instruction. Right now, I lost {$650.00}","date_sent_to_company":"2023-06-22T04:31:19.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"08817","tags":null,"has_narrative":true,"complaint_id":"7146867","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2023-06-22T04:03:04.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I immediately reached out the Td bank <em>customer</em> <em>service</em>. One of representatives told me I can use the stop payment to stop the payroll. And I paid XXXX dollars for stop payments for my 2 transactions. It might take a week to return my money back. \nOn XX/XX/XXXX, only 1 <em>transaction</em> {$770.00} dollar was <em>recalled</em>. I called TD again. The rep <em>said</em> the other payment {$650.00} went through and told me that I should do the ACH dispute."],"product":["Money transfer, virtual currency, or money <em>service</em>"],"issue":["Other <em>transaction</em> problem"]},"sort":[17.241045,"7146867"]},{"_index":"complaint-public-v1","_id":"7962897","_score":17.105955,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am a victim of a crypto scam. I had 0 knowledge on XXXX so I became a target of the crypto scammer. \nAs soon as my money from bank arrived at Crypto.com, I sent them to the wallet addresses ( which I thought as the legitimate investment ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XXXX. However, it turned out that I was investing in a phishing site and all of my money were gone to the scammer. I contacted the customer service at Crypto.com on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX to request to recall my transfers ( as all of them were sent to the scammer ) and to receive information on the scammer ( from the wallet addresses I sent my money to ). \nCrypto.com told me they can not reverse the transfers and just told me they can only provide the transaction hash that local enforcement can use to track down the scammer. Crypto.com also said they can only cooperate with the legal authorities only if they can a request from the authorities.","date_sent_to_company":"2023-12-07T13:12:28.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"75035","tags":null,"has_narrative":true,"complaint_id":"7962897","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Foris DAX, Inc.","date_received":"2023-12-07T12:55:41.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I contacted the <em>customer</em> <em>service</em> at Crypto.com on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX to request to <em>recall</em> my transfers ( as all of them were sent to the scammer ) and to receive information on the scammer ( from the wallet addresses I sent my money to ). \nCrypto.com told me they can not reverse the transfers and just told me they can only provide the <em>transaction</em> hash that local enforcement can use to track down the scammer."],"product":["Money transfer, virtual currency, or money <em>service</em>"]},"sort":[17.105955,"7962897"]},{"_index":"complaint-public-v1","_id":"3120167","_score":17.020704,"_source":{"product":"Checking or savings account","complaint_what_happened":"Hello, to may it whom concerns I was running a small company test for less than 90 days before opening my business credit and debit card. There was an incident that happened with my company and the merchant that was involved to receive my payments so they could ship the products to my customers but they canceled the transaction prior when the purchased occurred. \n\nHowever, I have contacted the merchant company which was XXXX to asked what happened after a couple of days without my knowledge of knowing what had happened. I recall one of the customer service said the transaction was canceled within 24 hours so which clearly means the products didn't get fulfilled for my customers.\n\nFrom this point I'm confident that they will release/refund my money which they did, they simply refunded within 72 hours. So which means banks release the money within 3-5 business days to my account.\n\nI have waited for more than 10 days, I was like maybe something went wrong with the merchant so I contacted them and they said usually this takes 3-20 business days, so I'm satisfied and moved on with my month, 30 days passed and still, nothing is happening. I definitely contacted the bank and told them that I still didn't receive the money. \n\nI filed a claim dispute on XX/XX/XXXX. The bank reached out to the merchant on XX/XX/XXXX. Literary the bank took that much time to reach out, their word was \" 90 days '' to get this solved. 90 days passed around XX/XX/XXXX, and they said : \" we have to wait until 90 days for the merchant to get back to us. '' What totally made me reach out to you guys was, this has been almost more than 100 days since when they said \" 90 days '' for the consumer, not the merchant. \n\nI would like my funds back. All I wanted was them to push that button and release my money to my account since the merchant already refunded me. I lost my trust with Bank Of America, I would like you guys to come in and help me with this case because they clearly give zero XXXX for the customers. \n\nThank you,","date_sent_to_company":"2019-01-09T05:10:17.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"02122","tags":null,"has_narrative":true,"complaint_id":"3120167","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2019-01-09T04:26:30.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I <em>recall</em> one of the <em>customer</em> <em>service</em> <em>said</em> the <em>transaction</em> was canceled within 24 hours so which clearly means the products didn't get fulfilled for my <em>customers</em>.\n\nFrom this point I'm confident that they will release/refund my money which they did, they simply refunded within 72 hours. So which means banks release the money within 3-5 business days to my account."]},"sort":[17.020704,"3120167"]},{"_index":"complaint-public-v1","_id":"6712049","_score":16.993004,"_source":{"product":"Checking or savings account","complaint_what_happened":"On the morning of XX/XX/XXXX at XXXX XXXX  XXXX, I received a text message from the number XXXX that stated \" Chase Bank alert - Did You Attempt to make a payment in the Amount of {$3500.00}? Reply YES or 1 to authorize ; Reply NO or 2 To Decline transaction. '' I responded NO and received the response \" Thank you for confirmation transaction declined case ID # XXXX. '' As I was contacting Chase Bank at XXXX XXXX, I received an incoming phone call from the same number at XXXX XXXX  I was calling for customer service ( XXXX ) so I answered. The gentleman # 1 said his name was XXXX and that he needed to verify my Chase account because there were wire transfers by XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I told him I did not authorized any of the transfers. He verified my information, and even had an OTP code sent to my phone so we could talk further about my account. He also asked for my address and birthdate ( which is what Chase generally asks for to verify my account when I bank over the phone. ) From there, he alerted me my savings account was compromised and recommended that I transfer all my savings into my checking account. I told him I was not sure this was a valid call and asked to be transferred to a supervisor. He said he would transfer me to a supervisor at we got disconnected, so I called the Chase customer service number back at XXXX XXXX, only to receive a phone call from that same number at XXXX XXXX. I was connected with gentleman # XXXX, at which point I said I'd like to call back to Chase. He said this is an urgent matter and we need to work quickly as these transfers are scheduled to go through within the next 10 minutes. He walked me through what he explained was a reversal by processing a Wire Transfer and typing REVERSAL into the message field. I sent the first one to XXXX XXXX  in XXXX, AL at approximately XXXX XXXX  for {$3500.00}. He said typing reversal is so that the fraud department can flag the wire transfer and stop it from going through. As soon as I hit send, at XXXX XXXX, I received a call from XXXX. I put the first person on hold and answered the call, ( which I believe was the actual Chase bank calling to verify the funds transfer ). I told him I was already talking to someone from Chase about reversing the wire transfers and he told me to go ahead and hang up with gentleman # XXXX and to talk to him instead. I went back over to gentleman # XXXX and he told me that this was a known scamming number and to give him the number that was calling me. I believe gentleman # XXXX ( or possibly someone else ) then contacted my bank and posed as me to validate the wire transfer. ( I was given confirmation of this later by Chase bank ). He said he needed to transfer me to another gentleman with higher authorization because a wire transfer for over {$10000.00} was coming through. Gentleman # XXXX worked quickly to give me more information and instruction on processing what I thought was another reversal to another bank ( XXXX XXXX  in XXXX, FL ). I received another call from the XXXX number but ignored it as they'd let me know this was a scamming number. I NEVER AUTHORIZED ANY OF THE TRANSACTIONS THAT CAME THROUGH. The gentlemen that I was speaking to contacted Chase to verify and approve the transactions. He walked me through 2 more transactions, one for {$13000.00} and one for {$4500.00} before transferring me to another gentleman. ( With every transfer, each person I spoke to, I could hear what sounded like a chirping smoke detector in the background. ) This next guy said he needed to verify my account so asked me to enter my debit card number, expiration date and CVV. I said I didn't feel comfortable saying it so he had me enter it into the IVR. That didn't register for him so he \" reset his IVR '' and asked that I enter my debit card number and pin. He then said I needed to enter my existing credit card number that I had with Chase and I said I didn't think I needed to do that. I asked if maybe I should cancel both debit cards for me and my husband and get new ones. He read me the exact same disclosure about getting a new debit card that I have received from Chase, confirmed my mailing address and said I would get them in 24-48 hours. He also said he would like to follow up on XX/XX/XXXX with a phone call at XXXX to verify that the funds have returned to my account. I said that was okay and we ended the call at XXXX XXXX. \nI immediately called Chase back at XXXX and spoke to a customer service representative, letting them know that I was just scammed and that I needed them to check to see if the wire transfers showing as pending on my account were being reversed. I was told that they were initiated and were not reversed and that no one from Chase called me except to get authorization for the charges. This rep confirmed that they did receive a call from me to confirm the charges ( which is NOT a call that I made at all, and is why I believe the scammers used my information to call and approve the wire transfers. ) I told her it was imperative that these wire transfers get canceled or recalled and that I needed to escalate this immediately. While I was on the phone, attempting to recall the wire transfers, I received FOUR emails from Chase stating that my wire transfers were sent, as requested ( received at XXXX for transaction # XXXX, at XXXX for transaction # XXXX, at XXXX for transaction # XXXX, and at XXXX for transaction # XXXX. ) I was then put me on hold to prepare to transfer me and at XXXX, I received another text message from XXXX that stated Chase bank Alert A debit card pre-authorization hold of {$250.00} was added to account ****. Reply YES If valid, Fraud Reply NO, ; I did not respond to this text message. I was then transferred me someone else who verified my account and again told me that I initiated the wire transfers. I explained that I did, thinking that I was speaking to an actual Chase Bank representative but that I needed them to immediately recall ALL FOUR of those wire transfers. He said that he was filing a claim for a wire recall. I ended that call at XXXX XXXX. One hour later, not sure of what the resolution was going to be, I contacted Chase customer service again and got instruction that I needed to send a secure message through my online portal in order to initiate a wire recall and that no wire recall notes existed in my account at that point. Frustrated, I asked to speak to a supervisor who again told me that I initiated the wires so it is not considered fraud but that I will just have to wait 1 to 2 days to hear if they were successful in recalling the wire transfers. I have spoken to a total of 9 representatives at different departments by the end of XX/XX/XXXX, including one Virtual Banking Assistant named XXXX XXXX and none of them could give me a definitive answer as to whether this was being handled, if someone was working on it, or if there were any additional levels of security to protect my account since the entire account had been compromised in the last 24 hours. \nOn XX/XX/XXXX at XXXX XXXX  XXXX, I contacted the Chase claims department and obtained my claim # XXXX. I spoke to XXXX who told me that she does see an existing claim for a wire recall. I asked how I can find out the status of the claim and she said I would need to wait for a message to appear in my secure message center or for the funds to appear back in my account. At XXXX that same morning the scammers called me back ( from the cloned Chase customer service number ) to verify that the funds had been recovered to my account. I hung up and immediately called Chase and spoke to a customer service rep. I confirmed that a claim had been started for the 4 wire transfers that were fraudulent and asked if I could report someone impersonating Chase to gain information about their customers. She stated that they dont have a department that handles that and that they do not have control over scammers. \nOn XX/XX/XXXX at XXXX XXXX  I called and spoke to someone in the Chase Claims department about my claims and obtained confirmation that the wire recalls were going through and that the Wire Research Team would reach out to me on the secure message center with more information. I called back to the Claims department at XXXX inquiring about more detail about what I could do to ensure the wire recalls were being processed. That rep said they couldnt help me with wire transfers and so I asked to speak to a supervisor and at XXXX, I was transferred to a supervisor named XXXX XXXX I explained my situation to him and HE transferred me to a wire expert named XXXX, who was actually in the claims escalation department. She said that Wire Research team was working on my claims. \nFriday XX/XX/XXXX at XXXX, I called the Claims department after receiving secure messages referencing the FOUR totally separate claims ( for my ONE account ) with FOUR different reference codes. ( XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX ) I was given instruction in the messages for the largest transfer to XXXX XXXX  for {$13000.00}, to PLS SEND LETTER OF INDEMNITY TO WIRE-XXXX. I spoke to XXXX who said there were no updates. I asked to speak to a supervisor and she transferred me to XXXX who I explained my situation to and he said he needed to transfer me to the Money Movement Department. I spoke to XXXX in the department and she immediately started direct messaging with the Wire Research Team. I was advised that the Wire Research Team could not be reached by phone, only by secure message or message from someone in the Money Movement Department. She gave me that number ( XXXX ) She confirmed that a claim has been filed ( # XXXX ) and that the wire recalls were confirmed to be sent on XX/XX/XXXX ( one day after I called to report and request recalls ). She asked the Wire Research team to clarify what was communicated to me in the secure message : What is the Letter of Indemnity and who is this letter between, if I am sending it to the receiving bank? She said it is between me and the receiving bank. \nMonday XX/XX/XXXX : Called the number I was given for the Electronic Money Movement Department at XXXX to speak to someone who could send messages to the Wire Research Team . Spoke to XXXX who said that no one in this department could message with the wire research team. \nXX/XX/XXXX : I received two secure messages from the Wire Research team that stated that in order for my question to be answered about the Hold Harmless letter I needed to send to the recipient bank ( of which I only received the email address for XXXX bank and not the other bank that 3 of the 4 wires were sent to and not XXXX  where they were sent ) I needed to contact the Claims Department. I called the Chase Claims Department and asked my question and the person had no idea so I asked to speak to a supervisor. I spoke to someone name XXXX who stated that We are not able to pursue recovery for your wire recall and that I needed to work with the recipient bank. I asked if she could then message with the XXXX XXXX team to obtain MORE information about this decision and if it included not just the {$13000.00} wire, but the {$3500.00}, {$4500.00} and {$3500.00} other wires that were sent on my account. She said she had NO WAY TO MESSAGE WITH THEM. I told her how frustrated this made me because I have been contacting them every day for status updates and for CLEAR instruction on how to proceed and what I can do and have gotten nowhere. She stated that there are gaps in our departments and that we are not equipped to handle these things and that feedback has been sent on these things, maam. I asked her to clarify what things were being provided feedback on and she said your case. I asked what that meant and she just said unfortunately we are not able to pursue this wire recall any longer. I told her that I have already contacted the FBI, my local law enforcement, the FTC, the attorney general and am talking to the media about this. \nXX/XX/XXXX : Called Claims dept and spoke to XXXX. I asked if this crime had been reported to the IRS under the Bank Secrecy Act and she said she didnt know what that was so I asked to speak to a supervisor. I was transferred to XXXX, a Claims Supervisor, who stated this is not considered a crime or fraud because you were scammed. Because of that, we wouldnt have any knowledge of whether this was reported to the government or not. I advised her that Ive spoken to a reporter and she said she needed to escalate me to the Executive Office. I asked if thats all I had to say to be escalated and that I had notified several reps before her that I was speaking to the media. She put me on hold to transfer me but I got disconnected before that went through. \nXX/XX/XXXX Spoke to XXXX in claims who confirmed that Chase is not pursuing recovery of my funds through wire recall. I asked if this was for ALL of the wire transfers that occurred ( all 4 ) or just the {$13000.00}. I was not informed via message center or by anyone other than on XX/XX/XXXX that recovery was halting. She said all the transfer recoveries were stopping. \nXX/XX/XXXX Met with XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I told her what happened and asked if she could find out if ALL the wire recoveries were ceasing or just the largest one. I also asked what the Letter of Indemnity was that I was told to send to the recipient bank in order to continue pursuing recovering the largest transfer of {$13000.00}. I gave her my Claim number as well as all 4 reference numbers for each of the wire transfer recalls. I also showed her a series of Secure Messages I received that I had printed out. She called the Claims Dept. and was told that she needed to direct message ( through a system called XXXX XXXX ) to the Wire Research Team. After speaking with them via chat, she was directed to talk to claims. She called back into claims, escalated to a supervisor who told her she needed to ask these questions to the Wire Research Team. XXXX advised me that the 3 transfers to XXXX Bank were still being pursued but that the other one was halted. She then showed me the Wire/ACH Escalation form that she submitted for all 4 of my fraudulent wire transfers. She advised me that a supervisor in the Executive Office would be contacting me and if they did not by Monday, to let her know and she would continue to help. She said she will be my point person going forward. \nI received a call from XXXX in the Executive Office Branch of Chase bank letting me know that someone named XXXX would be handling my case and calling me from XXXX ext. XXXX and that their hours are XXXX XXXX XXXX XXXX. My case is under review. \nI believe that the handling of this is flippant and negligent and I have no trust in my financial institution to work for my good. I do not believe that Chase appropriately and urgently requested a SWIFT Recall of the 4 wire transfers when I called in to request it ( as I was advised that they were not filed until one day after I called to have them recalled. ) I also did not give verbal authorization to Chase to process any of the wire transfers completed. The people committing this crime impersonated me, contacted Chase bank and authorized the wires to go through. Additionally, I have been advised that I need to send a Letter of Indemnity to the recipient bank of the largest transfer and was given an email address to XXXX XXXX  that is not for clients or customers, but to be used by industry partners. I believe that Chase is trying to shirk responsibility of this process. I would like this to be resolved by receiving the amount of all FOUR fraudulent wire transfers back to my account in the total amount of {$25000.00}. \n\n\n\n\n\n\n\n\n\n\nFBI : Internet Crime Complaint Center : https : XXXX/complaint.ic3.gov/ Washington State Office of the Attorney General : https : //www.atg.wa.gov/file-complaint Federal Trade Commission : https : //reportfraud.ftc.gov/ # / FTC Report # XXXX Office of the Comptroller XXXX Currency : https : //helpwithmybank.gov/ Case XXXX Referred to file a complaint with the CFPB Consumer Financial Protection Bureau : https : //www.consumerfinance.gov/ XXXX Local Police Report XXXX XXXX XXXX XXXX Washington State Department of Financial Institutions : https : //dfi.wa.gov/ 1. https : //dfi.wa.gov/banks/faqs # federal-agencies","date_sent_to_company":"2023-03-17T14:28:50.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"98198","tags":null,"has_narrative":true,"complaint_id":"6712049","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-03-17T13:40:32.000Z","state":"WA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Reply YES or 1 to authorize ; Reply NO or 2 To Decline <em>transaction</em>. '' I responded NO and received the response \" Thank you for confirmation <em>transaction</em> declined case ID # XXXX. '' As I was contacting Chase Bank at XXXX XXXX, I received an incoming phone call from the same number at XXXX XXXX  I was calling for <em>customer</em> <em>service</em> ( XXXX ) so I answered."]},"sort":[16.993004,"6712049"]},{"_index":"complaint-public-v1","_id":"8381577","_score":16.945711,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX, I reported a fraudulent charge on our daycare center 's business account with the amount of {$2800.00} by XXXX ( XXXX XXXX ) and disputed the charge. On XX/XX/XXXX, XXXX charged us {$2800.00}, claiming it was for 3 years of service, from XX/XX/XXXX to XX/XX/XXXX. We did need XXXX ' software, but the service was not provided to us. I pointed out the fraudulent charge on our bank statement of XX/XX/XXXX to Chase, but Chase refused to help, saying that if the transaction were made by credit card within a year, they would help. However, this was by debit card/checking account, and the time period to dispute was only XXXX months, so they claimed they could not help. \n\nAnother representative said that using a debit card/checking account meant that I authorized the charge. I then asked what the difference would have been by using a credit card, and if credit card usage was not considered the owners authorization? What was the logic here? Chase could not answer my questions. Obviously, it was a fraudulent charge that no reasonable customer would authorize. \n\nI recall that years ago, when Chase acquired our business accounts, they offered us a debit card which has a XXXX credit card logo on it. Chases representative said that we should use it often and its as convenient as a credit card. Chase has never explained or documented the immense risk of using their debit card with the same XXXX  logo vs that of using their credit card. In this respect, Chase 's marketing strategy for its debit card is misleading. \n\nNowadays, due to recent advancements in technology, there have been increasingly more fraud & scam cases that have caused a lot of damage to customers. Shouldn't Chase, a well known bank, do better to protect its customers? We are requesting that Chase refund the fraudulent amount, {$2800.00} due to its negligence in customer protection.","date_sent_to_company":"2024-02-21T04:37:55.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"11373","tags":null,"has_narrative":true,"complaint_id":"8381577","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-02-21T04:04:51.000Z","state":"NY","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, XXXX charged us {$2800.00}, claiming it was for 3 years of <em>service</em>, from XX/XX/XXXX to XX/XX/XXXX. We did need XXXX ' software, but the <em>service</em> was not provided to us. I pointed out the fraudulent charge on our bank statement of XX/XX/XXXX to Chase, but Chase refused to help, saying that if the <em>transaction</em> were made by credit card within a year, they would help."],"sub_issue":["<em>Transaction</em> was not authorized"]},"sort":[16.945711,"8381577"]},{"_index":"complaint-public-v1","_id":"5926233","_score":16.823614,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/XXXX, I went into Wells Fargo Bank branch # XXXX to initiate a wire transfer for {$1200.00} I arrived at the bank, all the employees were with other customers, so I waited patiently. The manager of this branch came out from behind a closed door and offered to help, but when he found out what I needed, he stated that he doesn't do wires that often, but that he would help me. I stated that I didn't mind waiting for another employee to become available, but he insisted. The manager asked me how much I wanted to send, I stated {$1200.00}. The manager repeated the amount of {$1200.00}, but then stated that he needed to get someone to approve the wire transfer. Once the person approved the transfer, The manager asked me to verify that the account number for the receiving party was correct. He then completed the transaction and the manager handed the receipt to me. The manager NEVER asked me to verify the amount. After I returned home for the evening, handed my fianc the Wire Transfer receipt, that's when she noticed that {$12000.00} was sent!!!! Not {$1200.00}. \n\nThe following day, my fianc and i went to the branch to talk to the manager and get this wire fixed and the correct amount sent. The manager stated in front my fianc, another bank employee and me, that he sent $ XXXXMy fianc then showed the manager the wire transfer receipt. When the manager looked at the receipt and all he said was \" No I sent {$1200.00} just like you said '' and once he realized the amount the manager then stated \" that's my bad!! I assumed when you said this was for a loan closing, this was for a house '' and then ran off behind the door, a closed door that my fiance and I observed other employees exit and enter the bank 's main floor. The other bank employee then contacted their wire department to see if the wire can be recalled. My fiance and I was told that it could be anywhere from 1 to 6 weeks to get this resolved. I tried calling customer service to get updates, but was told that we needed to go to the bank to get an update. \n\nAfter returning to the bank the following Monday, My fiance and I were told that the receiving bank ( XXXX XXXX  ) where the wire was sent, acknowledged the recall, but that they needed to do their own investigation. In the meantime, I reached out to the receiving party, and they acknowledged that too much was sent, and that they were gon na send the overpayment back, but has since stopped all communication with me We were just told on Thursday that the receiving Bank declined the recall, this is why I am reaching out to you to get this matter resolved as soon as possible.","date_sent_to_company":"2022-08-30T03:12:10.000Z","issue":"Wrong amount charged or received","sub_product":"Domestic (US) money transfer","zip_code":"38114","tags":null,"has_narrative":true,"complaint_id":"5926233","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-08-30T02:28:02.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I tried calling <em>customer</em> <em>service</em> to get updates, but was told that we needed to go to the bank to get an update. \n\nAfter returning to the bank the following Monday, My fiance and I were told that the receiving bank ( XXXX XXXX  ) where the wire was sent, acknowledged the <em>recall</em>, but that they needed to do their own investigation."],"product":["Money transfer, virtual currency, or money <em>service</em>"]},"sort":[16.823614,"5926233"]},{"_index":"complaint-public-v1","_id":"6972680","_score":16.821451,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I received a text message saying there was fraud detected on my account. I replied with \" no '' basically saying it was fraud that I didn't try to make that transaction. Then I received a call from what was a spoofed number. It was the customer service number on the back of my chase card. They knew my name, and were able to send me one time pass codes whenever I asked for proof. So I followed the steps they told me. They told me to attempt to send a wire transfer of {$7900.00}, and that it would fail. It was just to confirm that my accounts had been blocked. It went through, by the time I was able to call my actual bank. ( Jp Morgan ) they said it had processed already. They're attempting a recall, but they don't think I'll be able to get my funds back. I think its enough proof that I put the memo of the transfer as \" refund '' or so to show that I believed I'd be getting my money back. They asked for basically similar questions as the bank for the verification process. Such as account number, date of birth, adress, last 4 of social, etc. This happened on XX/XX/2023. I also called my bank on XX/XX/2023. The bank it was sent to was called XXXX XXXX. It said the adress was in Florida, and that the money was being sent to a XXXX XXXX. The caller said I needed to put it under that name to basically make it easier to track.","date_sent_to_company":"2023-05-13T05:41:09.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"92703","tags":null,"has_narrative":true,"complaint_id":"6972680","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-05-13T05:24:34.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I replied with \" no '' basically saying it was fraud that I didn't try to make that <em>transaction</em>. Then I received a call from what was a spoofed number. It was the <em>customer</em> <em>service</em> number on the back of my chase card. They knew my name, and were able to send me one time pass codes whenever I asked for proof. So I followed the steps they told me. They told me to attempt to send a wire transfer of {$7900.00}, and that it would fail. It was just to confirm that my accounts had been blocked."],"product":["Money transfer, virtual currency, or money <em>service</em>"]},"sort":[16.821451,"6972680"]},{"_index":"complaint-public-v1","_id":"2411494","_score":16.599272,"_source":{"product":"Bank account or service","complaint_what_happened":"During XXXX weekend, while in XXXX, Louisiana my card was misused at a local XXXX. I reported to Chase bank that my card was charged {$900.00} fraudulently on XX/XX/2017. I immediately called my bank and reported my card lost/stolen. Upon submitting a dispute in order to receive my full amount of {$900.00} back into my account, chase also had me verify the transactions I made prior to this purchase of {$900.00}. I said yes to all of the charges except the one made on XX/XX/2017. I was also asked could I recall what my last transaction was the day before the fraudulent transaction took place. I responded \" I believe it was XXXX for about XXXX dollars on XX/XX/2017. '' In actuality it was the XXXX for XXXX and the XXXX transaction was the second to last transaction I made on XX/XX/2017. Please be mindful that I was in a state of panic in the middle of the XXXX police department, explaining to them what was going on, while on the phone with chase. I did not have my account pulled up nor did I use my app on my phone to answer the question. I found it oddly peculiar that the customer service rep who was looking on my account did not ask me to verify if the XXXX transaction was valid or not. She led me to believe that I was correct in XXXX being my last transaction. As a result, my fraud dispute was denied. Chase refuses to credit my account in the amount of XXXX because they said that I listed the second to last transaction opposed to the first. They literally told me that had I not listed the second to last transaction from MEMORY opposed to looking at my account and stating the XXXX purchase as the last transaction on XX/XX/2017, then I would have been granted my money back. \n\nThey are required under the electronic funds transfer act to refund me up to XXXX and myself being responsible for up to XXXX. I am a recent college graduate. I work hard for my money and XXXX is a lot of money when you already have very little. I did my part and reported my card lost immediately, chase needs to credit my account as soon as possible.","date_sent_to_company":"2017-03-30T04:45:05.000Z","issue":"Using a debit or ATM card","sub_product":"Checking account","zip_code":"70809","tags":null,"has_narrative":true,"complaint_id":"2411494","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2017-03-30T04:45:05.000Z","state":"LA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I found it oddly peculiar that the <em>customer</em> <em>service</em> rep who was looking on my account did not ask me to verify if the XXXX <em>transaction</em> was valid or not. She led me to believe that I was correct in XXXX being my last <em>transaction</em>. As a result, my fraud dispute was denied. Chase refuses to credit my account in the amount of XXXX because they <em>said</em> that I listed the second to last <em>transaction</em> opposed to the first."],"product":["Bank account or <em>service</em>"]},"sort":[16.599272,"2411494"]},{"_index":"complaint-public-v1","_id":"12012988","_score":16.524073,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/year>, I initiated a transfer of {$1500.00} from my XXXX to my XXXX bank account ending XXXX. XXXX XXXX account was terminated automatically a month later as XXXX wanted to terminate our banking relationship, and they issued me a check that does include {$1500.00} transfer from my XXXX, because my XXXX preferred name XXXX XXXX XXXX XXXX' shows up in the transaction and it is not matching with my XXXX legal name XXXX XXXX XXXX XXXX XXXX'. I raised a dispute ( Dispute ID XXXX XXXX with XXXX, and my dispute was rejected by XXXX and the representative claimed that the transfer was successful. I explained the situation to another customer service representative, they reopened the dispute case and it was again rejected because they said successful transfer can not be reversed. They provided me a trace number XXXX so I could provide the bank 's ACH department. I have explained to them multiple times that the transfer was successful, but XXXX is currently holding my money and do not want to release the funds because the preferred name is not matching my legal name upon closure. However, XXXX dispute team does not seem to understand and they reject my dispute saying that the transfer was successful and could not be reversed, even though I re-appealed the case. I do not have any specific email address from XXXX that I can reach out to, and it is a different person replying to my email every time I reply to them, and they do not seem to know what is going on with the case. The turnover/response time from XXXX is 7-10 business days after I reply to an email. I demand XXXX to submit a recall request to XXXX, as explained by XXXX named a completed Uniform Indemnity Agreement, or hold harmless form. I am not sure how the internal process work, nor do I know if this will be a dispute process, but it has to reach the right XXXX  servicing team with the right expertise to handle this matter. It should not be a customer service representative that is talking to me about this matter. \n\n\nHere is a note shared by XXXX : \" In your recent correspondence you advised that you filed a dispute with XXXX, which was subsequentially rejected. We suggest you re-contact them once again, and request they contact the appropriate servicing team. The originating financial institution will need to send a recall request directly to XXXX along with a completed Uniform Indemnity Agreement, which may also be referred to as a hold harmless form. They can return the completed form to this email XXXX. ''","date_sent_to_company":"2025-02-11T03:06:19.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"68127","tags":null,"has_narrative":true,"complaint_id":"12012988","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-02-11T02:40:14.000Z","state":"NE","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I demand XXXX to submit a <em>recall</em> request to XXXX, as explained by XXXX named a completed Uniform Indemnity Agreement, or hold harmless form. 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