{"took":108,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":170,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3007983","_score":18.861477,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Bank of America has stated that they had automatic payments from my account. During XX/XX/2018 I made a XXXX dollar payment and Bank of America made a payment of {$100.00} dollars through automatic payments from a closed account that has been closed for more than a year. The XXXX dollar payment at the branch was processed but they gave me a 2 fees. The first one was late because they claim their \" automatic payment '' that their system processed was late. And the second fee they slapped my account with was a \" returned check fee ''. I called today XX/XX/2018, and the representative claims I have always had recurring payments from my account, which I dont recall since I normally call ahead of time to make sure the account is in good standing. But they processed and invalid payment from an account that has been closed and not used for more than a year. Because Bank of America has processed my payments from my checking account ending in XXXX from XXXX. I am struggling to pay my college debt and can not afford these fees.","date_sent_to_company":"2018-09-01T17:57:25.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"78573","tags":"Servicemember","has_narrative":true,"complaint_id":"3007983","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2018-09-01T17:45:26.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["And the second fee they slapped my <em>account</em> with was a \" returned check fee ''. I called today XX/XX/2018, and the representative claims I <em>have</em> always had recurring payments from my <em>account</em>, which I dont <em>recall</em> since I normally call ahead of time to make sure the <em>account</em> is in good standing. But they processed and invalid payment from an <em>account</em> that has been closed and not <em>used</em> for <em>more</em> <em>than</em> a <em>year</em>."]},"sort":[18.861477,"3007983"]},{"_index":"complaint-public-v1","_id":"8389437","_score":18.672874,"_source":{"product":"Debt collection","complaint_what_happened":"Just got a collection letter from portfolio recovery about an account that I have no knowledge of. And if it was opened by my ex-wife I had no ideal about it and never received any kind of bill, statement, acceptance, or physical card. If it was opened without my knowledge, it would have been closer or more than 10 year old. I thought there was a timeline in ky for debt and laws for fraud accounts. This says seller XXXXXXXX XXXX merchant XXXX. I have not responded yet and have not used any XXXX XXXX XXXX account especially XXXX  My father who passed last year often had our accounts mixed up in our credit reports due to having the same name. If only used major CC and only had a balance on one. So I need advise, if this somehow ends up on me even though I did not open this account, and if i dispute it could it cause a reset of time and staying on my credit report for another 10 years? I don't even recall this account on my credit report and have opened 1 credit card in over 10 year last year. Thank you.","date_sent_to_company":"2024-02-22T05:02:52.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"40505","tags":null,"has_narrative":true,"complaint_id":"8389437","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2024-02-22T04:36:38.000Z","state":"KY","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I don't even <em>recall</em> this <em>account</em> on my credit report and <em>have</em> opened 1 credit card in over 10 <em>year</em> last <em>year</em>. Thank you."]},"sort":[18.672874,"8389437"]},{"_index":"complaint-public-v1","_id":"3934201","_score":18.227127,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hello, I signed up for CapitalOne Walmart credit card in XXXX this year, subsequently made some purchases and continued active usage of the credit card. Note that this creditor association was new to my profile as i had no prior accounts with CapitalOne. \nI used my 5 year old XXXX Checking account to pay the card off during my first two payments due for this card. This account was current and no overdue as of XX/XX/2020. Subsequently there were no additional purchases on this card and the account balance was negative ( due to some additional payments made ). \nCome XXXX my XXXX Checking account suffers an ACH fraud, at which point I engage my bankers to act on it. My XXXX account was frozen on XXXX XXXX and XXXX started recalling all fraudulent transactions. During this period, I had no access to any other financial accounts as this was the only banking relationship I had for debit/checking access. During this time ( on XXXX XX/XX/2020 ), XXXX seems to have erroneously recalled a valid/genuine payment ( posted XXXX XXXX ) to pay off the CapitalOne credit card, despite my mention in my initial fraud complaint that the issue appeared to have started from XX/XX/2020. \nAs a result of this erroneous recall, Capital One found my account late on payment for more than 30 days, ended up reporting it as a missed payment to the credit bureau ( XXXX, XXXX etc ). My Credit score dropped 40 points as a result while I was actively looking to refinance my mortgage. \n\nI raised this matter to CapitalOne ( Case number- XXXX ) via mailed copies of paperwork on XXXX XXXX, indicating this was not a willful default or late payment and provided statement copies indicating how the problem manifested. The recall of the payment posted after more than 45 days indicates this is not an action I took and simply a clerical error while a large number of transactions were being investigated by my banker. I also offered to get them any document required from my banker ( XXXX ) to suggest this was an error. \n\nCapitalOne have written back to me suggesting they considered the matter however due to the fair credit reporting act obligations they need to report accurate information to credit unions. \nI got in touch with XXXX regarding this matter who suggest that there is not much they can do as the account in question is already closed and the transaction was recalled as a part of the dispute investigation. \n\nI feel that customer 's interest is at stake here, for no fault of mine first I suffer a ACH fraud stress on my ONLY bank account in the US subsequently a credit profile impact during the repair of the prior problem due to this erroneous recall. \nI humbly request if you can help to correct my credit profile reporting by mediating as appropriate. \n\nThank you,","date_sent_to_company":"2020-11-03T19:52:45.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"070XX","tags":null,"has_narrative":true,"complaint_id":"3934201","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2020-11-03T17:26:51.000Z","state":"NJ","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["During this time ( on XXXX XX/XX/2020 ), XXXX seems to <em>have</em> erroneously <em>recalled</em> a valid/genuine payment ( posted XXXX XXXX ) to pay off the CapitalOne credit card, despite my mention in my initial fraud complaint that the issue appeared to <em>have</em> started from XX/XX/2020. \nAs a result of this erroneous <em>recall</em>, Capital One found my <em>account</em> late on payment for <em>more</em> <em>than</em> 30 days, ended up reporting it as a missed payment to the credit bureau ( XXXX, XXXX etc )."]},"sort":[18.227127,"3934201"]},{"_index":"complaint-public-v1","_id":"20825748","_score":17.28318,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am submitting this complaint regarding a series of events involving fraudulent wire transfers, issues with funds availability, and account restrictions at Capital One that caused significant financial harm. \n\nOn XX/XX/year>, I deposited a {$7100.00} check. The funds appeared to be clear and available in my account. On XX/XX/year>, after those funds became available, I initiated a {$6000.00} wire transfer. \n\nAfter the check deposited on XX/XX/XXXX bounced, I contacted Capital One the same day and reported suspected fraud. I specifically requested that the wire transfer be recalled. The customer service representative told me that the bank could not reverse the wire transfer, and I was not informed of any recovery options. \n\nLater on XX/XX/XXXX, the {$7100.00} check bounced. \n\nOn XX/XX/year>, I deposited a second check for {$27000.00}, which also appeared to be available in my account. On XX/XX/year>, I made an additional wire transfer of {$2000.00}. \n\nOn XX/XX/year>, I made a third wire transfer of {$13000.00}. \n\nOn XX/XX/year>, the {$27000.00} check bounced, causing an overdraft of more than {$10000.00}. \n\nTo fix this issue, I deposited {$30000.00} into my account to cover the overdraft and stabilize my finances. However, Capital One froze all my accounts, including my son 's, for over two weeks. During this period, I couldn't access the funds, including the {$30000.00} meant to clear the negative balance. This restriction caused further financial hardship and prevented me from resolving the problem. \n\nThe {$13000.00} wire transfer, plus fees, initiated on XX/XX/XXXX was successfully recalled by Capital One on XX/XX/year>. \n\nIn addition to notifying Capital One, I also reported the receiving account as fraudulent to XXXX XXXX XXXX XXXX on XX/XX/year>, to prevent further loss and alert the receiving institution. \n\nThis sequence raises serious concerns. I reported suspected fraud on XX/XX/XXXX and requested a recall, but the customer service representative told me no action could be taken. However, a subsequent transaction initiated on XX/XX/XXXX was successfully recalled just days later, indicating inconsistent handling of my case and a missed opportunity to prevent earlier losses. \n\nFurthermore, I used the funds in my Capital One account to initiate the wire transfers. Subsequently, these funds were withdrawn after the transfers were completed, leaving my account in a negative balance. I would not have initiated the wire transfers had those funds been available. \n\nMy concerns are listed as follows : - Capital One did not take action when I reported suspected fraud and requested a recall on XX/XX/year>. \n- Capital One handled a similar later transaction differently by successfully recalling the XX/XX/XXXX wire on XX/XX/year>. \n- Funds were initially made available, but were later reversed after I relied on them to start transactions. \n- I deposited {$30000.00} to cover an overdraft, but was denied access to those funds because of account restrictions. \n- Account restrictions were applied broadly, including to a party not involved, and lasted over two weeks without clear communication.\n\nI am requesting a full investigation into whether Capital One adhered to proper procedures regarding fraud response, funds availability, and account restrictions. \n\nI am also seeking reimbursement for my financial losses and any related harm caused by these actions.","date_sent_to_company":"2026-03-31T22:12:03.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"20001","tags":"Servicemember","has_narrative":true,"complaint_id":"20825748","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-03-31T21:02:47.000Z","state":"DC","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["On XX/XX/<em>year</em>>, I made a third wire transfer of {$13000.00}. \n\nOn XX/XX/<em>year</em>>, the {$27000.00} check bounced, causing an overdraft of <em>more</em> <em>than</em> {$10000.00}. \n\nTo fix this issue, I deposited {$30000.00} into my <em>account</em> to cover the overdraft and stabilize my finances. However, Capital One froze all my <em>accounts</em>, including my son 's, for over two weeks. During this period, I couldn't access the funds, including the {$30000.00} meant to clear the negative balance."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[17.28318,"20825748"]},{"_index":"complaint-public-v1","_id":"15559703","_score":17.105055,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XXXX XXXX I transferred {$5000.00} from my Paypal account to a newly opened Synchrony High Yield Account. This transaction was confirmed over the phone and by documents received from Synchrony and Paypal in the mail. On XX/XX/year> Synchrony sent a letter saying they were \" conducting a review to verify some recent activity on the listed account. To protect against any unauthorized use of your account, we've placed a temporary restriction on your Savings account. '' I had not had any transactions to date other than the initial deposit. XXXX XXXX and XXXX XXXX bank statements were received indicating a {$5000.00} balance. Upon receipt of a letter dated XX/XX/year> Synchrony states : \" We regret to inform you we're unable to continue offering banking services on your account for the following reason : - Based on information identified through internal and public data sources during a recent review of this account. At this time, your account has been closed. If applicable, we've enclosed a check for any remaining account balances '' The account balance was {$5000.00} ; Synchrony Bank has not sent a check or returned the funds in any form. After placing eight phone calls or more Synchrony Bank stated that Paypal ( the bank of origin ) would have to reclaim or recall the funds. PayPal states that they can not reclaim the funds do to the fact that there was no fraud and it had been more than five days since the initial transaction. Synchrony Bank will not return my {$5000.00}. \n\nHide full complaint","date_sent_to_company":"2025-08-27T19:54:50.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"XXXXX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"15559703","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-08-27T19:06:18.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["If applicable, we've enclosed a check for any remaining <em>account</em> balances '' The <em>account</em> balance was {$5000.00} ; Synchrony Bank has not sent a check or returned the funds in any form. After placing eight phone calls or <em>more</em> Synchrony Bank stated that Paypal ( the bank of origin ) would <em>have</em> to reclaim or <em>recall</em> the funds. PayPal states that they can not reclaim the funds do to the fact that there was no fraud and it had been <em>more</em> <em>than</em> five days since the initial transaction."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Savings <em>account</em>"]},"sort":[17.105055,"15559703"]},{"_index":"complaint-public-v1","_id":"12943490","_score":16.375223,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/year>, I attempted to withdraw funds from my Blockchain.com account. I had been using the mobile app for about 5 years, and always logged in using Face ID, so I did not remember my password. \n\nWhen I couldnt find the withdrawal option in the mobile app, I tried to log in from my desktop for a better user interface. Since I didnt recall my password, I used my recovery phrase to regain access. At around XXXX XXXX, I successfully logged in and received an email confirming access. \n\nOnce in, I sold approximately {$25000.00} worth of Bitcoin. Shortly after, the account prompted me to verify my identity. I uploaded my government-issued ID and a selfie, as requested. \n\nSince then, the account has remained under review, and I have not been able to access my funds. I submitted over 30 support tickets, and sent numerous emails, but Ive only received automated or copy-paste responses. No actual support has been provided. \n\nI did not use a VPN, and all actions were taken from my usual location. \n\nAs of now, more than {$30000.00} remains inaccessible, and this situation has caused serious financial hardship. I can not work due to a truck repair I cant afford, and my fiance is pregnant and due in XXXX. I am seeking immediate assistance in resolving this issue.Ticket # XXXX","date_sent_to_company":"2025-04-11T16:26:48.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"12943490","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Blockchain.com, Inc.","date_received":"2025-04-11T15:46:38.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["On XX/XX/<em>year</em>>, I attempted to withdraw funds from my Blockchain.com <em>account</em>. I had been <em>using</em> the mobile app for about 5 years, and always logged in <em>using</em> Face ID, so I did not remember my password. \n\nWhen I couldnt find the withdrawal option in the mobile app, I tried to log in from my desktop for a better user interface. Since I didnt <em>recall</em> my password, I <em>used</em> my recovery phrase to regain access. At around XXXX XXXX, I successfully logged in and received an email confirming access."]},"sort":[16.375223,"12943490"]},{"_index":"complaint-public-v1","_id":"14443684","_score":16.337532,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I made a sale on XXXX on XX/XX/XXXX. On XXXX 's records, the payout for this sale ( {$240.00} ) shows as completed and sent on XX/XX/XXXX, and then another payout for a shipping label I refunded ( {$96.00} ) shows as completed and and sent on XX/XX/XXXX. XXXX provided me with bank reference ID and payout ID for both of these. And then later also provided bank transfer letters with ACH transfer numbers. these letters have JP Morgan in big letters across the top and XXXX confirms JP Morgan/Chase is the bank XXXX uses . Neither of these payouts show in my XXXX XXXX checking account that XXXX confirms they were sent to. XXXX XXXX has responded to my complaint through the CFPB and tried searching the numbers provided and claims there is no record of either deposit on their end. XXXX has told me there is no way to recall the funds, especially since it has been more than 30 days. I will attach Bank Transfer letters from XXXX and bank statements from XXXX XXXX for the past year.","date_sent_to_company":"2025-07-03T19:07:17.000Z","issue":"Money was not available when promised","sub_product":"Domestic (US) money transfer","zip_code":"875XX","tags":null,"has_narrative":true,"complaint_id":"14443684","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-07-03T18:56:42.000Z","state":"NM","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["XXXX has told me there is no way to <em>recall</em> the funds, especially since it has been <em>more</em> <em>than</em> 30 days. I will attach Bank Transfer letters from XXXX and bank statements from XXXX XXXX for the past <em>year</em>."]},"sort":[16.337532,"14443684"]},{"_index":"complaint-public-v1","_id":"2015933","_score":16.1782,"_source":{"product":"Credit card","complaint_what_happened":"APPROX 3 YEARS AGO, I PURCHASED HOUSEHOLD APPLIANCES FROM BEST BUY, TOTALING OVER {$3000.00} : I TOOK ADVATAGE OF A PROGRAM BY THE STORE WHERE I WOULD FINANCE THE TOTAL PURCHASE WITH NO MONEY DOWN, AND NO INTEREST IF MADE REGULAR MONTHLY PAYMENTS, OVER A PERIOD OF 36 MONTHS. TO QUALIFY, I HAD TO AGREE TO OPEN A CITIBANK CREDIT ACCOUNT. I ACCELERATED THE PAYMENTS AND PAID OFF THE LOAN IN LESS THAN 2 YRS. ABOUT A YEAR AFTER PAYING OFF THIS LOAN, I ALSO PURCHASED A NEW COMPUTER FOR ABOUT {$500.00}, AND AGAIN PAID OFF THE LOAN WITH NO INTEREST IN FAR LESS THAN THE ALLOWED 36 MONTHS. I WANT TO POINT OUT THAT HIS ACCOUNT WAS NEVER USED BY US FOR DAILY OR WEEKLY PURCHASES-IT WAS ONLY USED AS FAR AS I RECALL FOR THESE XXXX PURCHASES. I HAVE NOT HAD A BILL FROM THE CITIBANK-BEST CREDIT CARD IN MORE THAN 18 MONTHS. YOU CAN IMAGINE MY SURPRISE WHEN I RECEIVED A CREDIT CARD BILL FROM CITIBANK FOR {$660.00}, FOR XXXX SEPARATE SUBSCRIPTIONS TO A SPORTS CHANNEL. I IMMEDIATELY NOTIFED ; THE CREDIT CARD COMPANY THAT THIS CHARGE WAS FRAUDULENT. CITIBANK SAID THEY WOULD BEGIN AN INVESTIGATION-THAT WAS NEARLY A MONTH AGO. TODAY, I RECEIVED A SET OF QUESTIONS WHICH I WAS HAPPY TO ANSWER AND REPLY. WHAT I OBJECT TO WAS A LETTER IN THE DOCUMENTS INFORMING ME THAT THIS CITIBANK ACCOUNT WITH BEST BUY HAD BEEN CANCELLED AND I AM NOT BEING OFFERED A NEW ACCOUNT. THIS IS OBVIOUSLY A CASE OF FRAUD AND CITIBANK 'S FIRST REACTION IS TO DENY ME CREDIT BECAUSE EITHER MYSELF AND THE CREDIT CARD COMPANY HAVE BEEN DEFRAUDED. FURTHERMORE, A MINIMUM OF DUE DILIGENCE COULD HAVE CAUSED THIS PURCHASE FROM BEING MADE -- A CARD HOLDER, WITH NO PREVIOUIS USE OF THE ACCOUNT, ALL OF A SUDDEN RUNS UP OVER {$600.00} IN PURCHASES-ALL ON THE SAME DAY, AND ALL FOR THE SAME SPORTS CHANNEL.","date_sent_to_company":"2016-07-19T13:54:50.000Z","issue":"Closing/Cancelling account","sub_product":null,"zip_code":"945XX","tags":"Older American","has_narrative":true,"complaint_id":"2015933","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2016-07-17T04:12:03.000Z","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":["TO QUALIFY, I HAD TO AGREE TO OPEN A CITIBANK CREDIT <em>ACCOUNT</em>. I ACCELERATED THE PAYMENTS AND PAID OFF THE LOAN IN LESS <em>THAN</em> 2 YRS. ABOUT A <em>YEAR</em> AFTER PAYING OFF THIS LOAN, I ALSO PURCHASED A NEW COMPUTER FOR ABOUT {$500.00}, AND AGAIN PAID OFF THE LOAN WITH NO INTEREST IN FAR LESS <em>THAN</em> THE ALLOWED 36 MONTHS. I WANT TO POINT OUT THAT HIS <em>ACCOUNT</em> WAS NEVER <em>USED</em> BY US FOR DAILY OR WEEKLY PURCHASES-IT WAS ONLY <em>USED</em> AS FAR AS I <em>RECALL</em> FOR THESE XXXX PURCHASES."],"issue":["Closing/Cancelling <em>account</em>"]},"sort":[16.1782,"2015933"]},{"_index":"complaint-public-v1","_id":"17511731","_score":15.750461,"_source":{"product":"Debt collection","complaint_what_happened":"I am the primary insurance holder. My wife received medical care related to childbirth last year. XXXX XXXX and my insurance company billed the claim incorrectly by using the wrong medical codes. Because of that coding error, the charges were processed incorrectly and I was billed more than my out-of-pocket maximum. \n\nI reported the error to both XXXX XXXX and the insurance company. They told me they would investigate and get back to me, but they did not follow up. I continued asking for updates, and the dispute was still active. \n\nWhile the dispute was open, XXXX XXXX sent the balance to collections. I immediately notified both the medical office and the insurance company that the amount was incorrect and requested that the account be corrected and pulled back from collections. They refused. \n\nIn XX/XX/2025, XXXX XXXX admitted the amount was wrong and that the billing was their mistake. Even after admitting the error, they still have not adjusted the balance or recalled the collections account. This has caused unnecessary stress and potential credit harm, even though the bill is based on incorrect coding. \n\nI am requesting help to correct the billing, ensure my out-of-pocket maximum is honored, and remove the improper collections activity from my record.","date_sent_to_company":"2025-11-25T23:20:16.000Z","issue":"False statements or representation","sub_product":"Medical debt","zip_code":"95136","tags":null,"has_narrative":true,"complaint_id":"17511731","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"USCB, Inc.","date_received":"2025-11-25T22:57:07.000Z","state":"CA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["My wife received medical care related to childbirth last <em>year</em>. XXXX XXXX and my insurance company billed the claim incorrectly by <em>using</em> the wrong medical codes. Because of that coding error, the charges were processed incorrectly and I was billed <em>more</em> <em>than</em> my out-of-pocket maximum. \n\nI reported the error to both XXXX XXXX and the insurance company. They told me they would investigate and get back to me, but they did not follow up."]},"sort":[15.750461,"17511731"]},{"_index":"complaint-public-v1","_id":"10068526","_score":15.688321,"_source":{"product":"Credit card","complaint_what_happened":"I opened the account in XXXX and have never missed a payment I've never had a late payment. \nI have grown adult children and use this credit card to secure their college tuition. \nIn XXXX I gave birth to a XXXX XXXX with a XXXXXXXX XXXX \nI had no problem making the payments even through several of her XXXX XXXXXXXX XXXX \nDuring the time of the covid pandemic I righteously made my payments. \nI have reached out to discover every XXXX months to XXXX XXXX  to see if there is a way to lower the interest payments I have paid over {$8000.00} in interest, each time they indicate to me that that is the card I have. \nRecently I reached back out to them Indicating that we are considering filing bankruptcy they offered me a XXXX months interest program which I accepted and completed during that. Of time I also paid {$150.00} over the minimum payment. my card is on auto pay and has been for over XXXX  years. \nUpon completing the program they told me I could not get into another program for a year they could offer me nothing more than lower interest on future purchases. \nThat is not the quality standard I have if I can not make the payments on the purchases I have I'm certainly not going to be making any further purchases as I haven't there's absolutely no activity on the account and has been no activity on the account I am merely paying years of interest. \nI called discover every XXXX months to a year to see if there's any options and there is absolutely no options with them. the representative filed a complaint on my behalf as it's indicated I have diligently tried to come to an agreement with discover or a payoff or any financial offers in there isn't any the only offer they have is to go delinquent and incur more interest and have a negative XXXX XXXX and negative credit reports. \nSo today XX/XX/XXXX I took my account off auto payments Recalled discover to see if there was absolutely anything I could do again the answer was no. \nMy daughter is going under another XXXX XXXX and her medical is more important to me than a company that just refuses to work with you and give no options other than to negatively affect my personal and financial credit. \nI've made above and beyond payments, as indicated the interest rates begin to really go extremely high I called discover they indicated that there was nothing that they could do.","date_sent_to_company":"2024-09-12T14:50:00.000Z","issue":"Struggling to pay your bill","sub_product":"General-purpose credit card or charge card","zip_code":"130XX","tags":null,"has_narrative":true,"complaint_id":"10068526","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2024-09-05T13:43:23.000Z","state":"NY","company_public_response":null,"sub_issue":"Credit card company won't work with you while you're going through financial hardship"},"highlight":{"complaint_what_happened":["Upon completing the program they told me I could not get into another program for a <em>year</em> they could offer me nothing <em>more</em> <em>than</em> lower interest on future purchases. \nThat is not the quality standard I <em>have</em> if I can not make the payments on the purchases I <em>have</em> I'm certainly not going to be making any further purchases as I haven't there's absolutely no activity on the <em>account</em> and has been no activity on the <em>account</em> I am merely paying years of interest."]},"sort":[15.688321,"10068526"]},{"_index":"complaint-public-v1","_id":"8164869","_score":15.349369,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I own a media company. On XX/XX/2022, I hosted a XXXX XXXX XXXX in XXXX XXXX XXXX that was sponsored by XXXX XXXX for {$11000.00}. As part of XXXX 's vendor intake process, I was required to fill out a form with my bank information ( See \" XXXX XXXX '' in the attached pdf ). I accidentally provided the incorrect account number for my account at Chase Bank ( 2 digits being switched ). XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX sent wire payment instructions to Chase using the incorrect account number and the money was placed in the wrong person 's account. \n\nI provided the correct number and asked the client to issue a wire recall. XXXX  XXXX XXXX did request the recall however, Chase has refused to return the funds to XXXX  XXXX XXXX. Chase 's reply was that they are \" waiting for Debit Authorization '' from the account holder in order to return the funds. The issue is that given the account number and beneficiary name did not match, the wire should have never been processed by Chase. Chase is simply trying to avoid liability for their own control/process failure. \n\nI've been attempting to obtain the funds for over 1 year now to no avail. Chase executive office has been avoiding my phone calls and inquiries. I have been given the run around for more than 1 year. \n\nChase then contacted me stating that once the bank received a \" Hold harmless letter '' from the client bank ( XXXX  ), the funds would be returned. After another month of chasing Chase for a response, the bank stated that the funds would not be returned because \" there are no funds available. '' The solution I am seeking is for Chase to return the {$11000.00} back to the client bank ( XXXX  XXXX XXXX ) so that they can correctly wire the funds to my account. \n\nI have also attached a pdf that includes all of the evidence related to this case. I am not only prepared to get local NY media involved, I am prepared to notify my network of over XXXX social media followers and pursue legal action.","date_sent_to_company":"2024-01-17T22:21:31.000Z","issue":"Money was not available when promised","sub_product":"Domestic (US) money transfer","zip_code":"11510","tags":null,"has_narrative":true,"complaint_id":"8164869","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-01-17T21:48:27.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I <em>have</em> been given the run around for <em>more</em> <em>than</em> 1 <em>year</em>. \n\nChase then contacted me stating that once the bank received a \" Hold harmless letter '' from the client bank ( XXXX  ), the funds would be returned."]},"sort":[15.349369,"8164869"]},{"_index":"complaint-public-v1","_id":"2908037","_score":15.308909,"_source":{"product":"Debt collection","complaint_what_happened":"My XXXX year old mother received a call on XX/XX/XXXX from a \" XXXX '' - XXXX XXXX. I haven't lived with my parents since XX/XX/XXXX. My phone number is listed publicly and easily found. I called and found it was Commercial Acceptance out of XXXX XXXX PA. They were collecting medical debt for XXXX XXXX XXXX  in XXXX PA for me and my husband ( but the call was directed specifically to me ). XXXX XXXX  has my correct phone number and it should have been passed on. My husband was out of work for 7 months, and we lost our good health insurance, and had to go on mine, which has a {$10000.00} deductible. I had to take my husband to the ER for severe XXXX, and I needed XXXX XXXX, leaving us with very high bills. I applied for XXXX XXXX earlier this year, after exhausting all other avenues available to me. I was approved this week for a 55 % write-off of my balances. Let me mention that I worked in bad debt collection for 7 years. I know the laws. I know the regulations. I immediately phoned XXXX   XXXX  on XX/XX/XXXX, after receiving notice that I was approved for a partial write off so I could initiate a payment plan ( my husband returned to work in XX/XX/XXXX ). I was told that I was sent to collections in the process, and that I really shouldn't have been, and they would try to get my accounts recalled, and that it would take a few days, but they would get back to me. Today was when my mother got the call. I called the number back. I entered the extension, but it didn't take me to XXXX. I honestly do not remember the name of the woman it transferred me to. That woman couldn't explain why my mother was called. My mother is my emergency contact with the hospital after my husband, so all I can think of is that the agency pulled the wrong phone number. I informed her that my husband and I both have bills with XXXX, and we were approved for a charity write-off of 55 %. This is where it got ugly. She wanted me to set up a payment plan with her. I told her no, the accounts were going to be recalled and they shouldn't have been sent in the first place. She proceeded to tell me that I had to pay them, and pay them the full amount that was turned over. I told her no, that's not true, and I was not going to pay them the full amount because the hospital forgave 55 % of the balance. She told me that they had nothing to do with that, and they weren't accepting anything less than the full amount owed, and to take it up with the hospital. I told her no, that wasn't going to happen, and the accounts were going to be recalled. She interrupted me and told me that she needed to \" educate me on how collections works '', and that accounts are NEVER recalled, and they won't take any less than what the hospital turned over. I interrupted her and told her they were in violation of the FDCPA for attempting to collect more money than I owe the original creditor, and I was going to report them to the ACA, and the FTC. She got really angry, and told me they already reported me to the credit bureau ( I hadn't seen it show up yet ), and that if I paid the full balance, she'd see what she could do to get it removed ( which, when I worked in collections was also illegal - you can't use credit bureau removal as a bargaining chip to get a balance paid ). I also told her I didn't need an education, as I worked in collections, and that agency I worked for was totally above board and didn't use illegal tactics or threats. She told me that the charity write off was something I had to work out with the hospital and wasn't their concern. I ended the call at that time. I called XXXX XXXX immediately afterward, and spoke to XXXX, and she told me that the accounts should have been put on hold when the charity application process started back in XX/XX/XXXX, and the accounts should have been recalled when I called earlier in the week, and she said she would call me back by Monday XX/XX/XXXX. I told her that their agency is using illegal tactics and she told me I wasn't the first one to complain. She was floored at their behavior. I don't have the exact amounts on the accounts, but mine was around {$450.00}, and my husband 's was around {$1300.00}. Those amounts are BEFORE charity write-off. I don't recall receiving any mail on the balance I owe. I received one letter for my husband last week, but didn't act on it because I knew the charity application had been delivered, and I was awaiting a reply. Over the weekend, I received notification from my credit monitoring service that the accounts were reported to the credit bureau, and my credit score dropped almost 50 points. They split all of the balances off on their own and reported me for every single one instead of one lump amount, doing maximum damage. I spoke to XXXX on XX/XX/XXXX, and she said the accounts were being recalled and they should be removed from the credit report. I will be watching and hopefully they come off quickly. We worked very hard to get our credit above 700 and it's now back down below.","date_sent_to_company":"2018-05-15T15:11:27.000Z","issue":"False statements or representation","sub_product":"Medical debt","zip_code":"178XX","tags":null,"has_narrative":true,"complaint_id":"2908037","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Commercial Acceptance Company","date_received":"2018-05-15T14:48:11.000Z","state":"PA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["She told me that they had nothing to do with that, and they weren't accepting anything less <em>than</em> the full amount owed, and to take it up with the hospital. I told her no, that wasn't going to happen, and the <em>accounts</em> were going to be <em>recalled</em>. She interrupted me and told me that she needed to \" educate me on how collections works '', and that <em>accounts</em> are NEVER <em>recalled</em>, and they won't take any less <em>than</em> what the hospital turned over."]},"sort":[15.308909,"2908037"]},{"_index":"complaint-public-v1","_id":"3331504","_score":15.222065,"_source":{"product":"Debt collection","complaint_what_happened":"i called southwest credit systems since they are reporting a balance owed from XXXX on an account closed in 2015. Southwest credit systems has never contacted me about this debt but have been reporting and damaging my credit for almost 2 years. they have an address from 2015 where they claimed they have been sending mail when I moved from that location in 2015. southwest has had more than one account for me so they had valid contact addresses before today. that is a tactic to state that they could not reach me when they are purposefully sending the communication to the wrong address also the gentleman I spoke to had my cell phone # because it is the same cell # I had when I had the account -- he actually asked me is that still a good # -- so they had it all along and they could have called to verify if by some strange chance they did not get the flipping memo. This company is using workarounds to report and damage peoples credit and they need to be stopped, I have rights that were violated by them not notifying me at the correct address and I do not recall EVER receiving a phone call from this agency. they need to make corrections to my credit report for not following the law.. also my address has been updated through the postmaster on my credit reports and public information if they bothered to check instead of sending correspondence to a 4 year old address -- and the balance is wrong","date_sent_to_company":"2019-08-06T20:28:41.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"066XX","tags":null,"has_narrative":true,"complaint_id":"3331504","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Southwest Credit Systems, L.P.","date_received":"2019-08-06T20:11:31.000Z","state":"CT","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Southwest credit systems has never contacted me about this debt but <em>have</em> been reporting and damaging my credit for almost 2 years. they <em>have</em> an address from 2015 where they claimed they <em>have</em> been sending mail when I moved from that location in 2015. southwest has had <em>more</em> <em>than</em> one <em>account</em> for me so they had valid contact addresses before today. that is a tactic to state that they could not reach me when they are purposefully sending the communication to the wrong address also the gentleman I spoke"]},"sort":[15.222065,"3331504"]},{"_index":"complaint-public-v1","_id":"10433737","_score":15.222065,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"They have posted credit to my account that was owed to me then they reverse the credit back. They have sold this car off. I asked them to fix the car, but they did not fix the car. I asked to replace the car and they did not want to replace the car either. I had to go get me a car from somewhere else. They took forever to even come and get the car. I have been calling them for a year and they were important that extra time on my credit. This has an effect on me because Im a XXXX XXXX XXXXr And they decreasing my score and Im trying to get a house for me and my child. I have other accounts with them that is in good standing, and I have paid them off and then they are constantly reporting it and knocking my score down the count is illegally been reported because you can not close an account And then still report a balance on there and also you can not use the same count as a Charge Off and still go back and constantly reported more than one time is still a constant report on my credit and every time they put that report on there, it affects me. They also was a recall on the XXXX and theyve been trying to get me to trade it in. They changed it for Charge Off to close to a balance to open to close and they just constantly report for no reason and then what they were reporting is not right how can you reverse something that Im clearly entitled to a touchdown to the bottom. They already got their money off of it, and they already found it on their taxes.","date_sent_to_company":"2024-10-12T15:46:20.000Z","issue":"Repossession","sub_product":"Lease","zip_code":"367XX","tags":null,"has_narrative":true,"complaint_id":"10433737","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-10-12T15:22:06.000Z","state":"AL","company_public_response":null,"sub_issue":"Loan balance remaining after the vehicle is repossessed and sold"},"highlight":{"complaint_what_happened":["I <em>have</em> other <em>accounts</em> with them that is in good standing, and I <em>have</em> paid them off and then they are constantly reporting it and knocking my score down the count is illegally been reported because you can not close an <em>account</em> And then still report a balance on there and also you can not <em>use</em> the same count as a Charge Off and still go back and constantly reported <em>more</em> <em>than</em> one time is still a constant report on my credit and every time they put that report on there, it affects me."]},"sort":[15.222065,"10433737"]},{"_index":"complaint-public-v1","_id":"5216346","_score":15.188527,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Dispute started on XXXX XXXX, when a USAA employee refused to provide a copy of our auto insurance card to enable Dealership to expedite the issue of a loaner vehicle, since the recall repair will take longer than originally planned. The circumstances were explained to the individual named XXXX, and more than sufficient information was provided with more offered specific to my identity as the policyholder, i.e., full name, address, telephone number, year and make of vehicle in service and name of Dealership she can email a copy of the current insurance ID card. She refused and threatend to hang up while I try to continue to convince her of the situation. I asked to speak to a Manager she refused to connect me to one. The two employees at the counter were witnesses to my frustration with this XXXX with their unbelieving facial expressions and offered to speak to the employee. \n\nSent a written complaint to USAA, with copies to top level management including the CEO. No response, no apology. Instead, they placed a BLOCK on our USAA issued credit cards and an attempt to use one XXXX was declined. I cut the cards into pieces and trashed them. We also canceled our home and auto insurance policies, at which time also discovered that our collision coverage for the XX/XX/XXXX XXXX was deleted without our knowledge, without notice and disguised with a small decrease in total premium that insurance companies were doing due to less traffic and the pandemic. \n\nI sent a detailed statement and a demand for a refund of two policy periods of overbilling and the unused prepaid portion of canceled auto policy. Also proposed that they use the credit and total refund owed to me and use that to pay the {$330.00} card balance and send me the remaining credit balance as a refund check. \n\nAs of this writing USAA have not taken any steps to resolve this issue. USAA continue bill me for the {$330.00} XXXX account with interests. When the bottom line is USAA owes us a refund of {$120.00}. should a basically knowledgeable accountant can make a bookkeeping entry of debiting the insurance account and crediting the XXXX account and refunding or billing the difference as applicable. \n\nI also informed USAA to close all my accounts that have terminated our business relationship. They ignore this also, we continue to receive advertising and promotional offers on different subjects, such as retirement, financial management, use of credit cards. USAA marketing to the military and military community is not well organized and to me have a prevailing culture of incompetence in the organization with perceivable corruption at the very least in their insurance operations. These compounding issues have not been addressed by Management going on seven ( 7 ) months","date_sent_to_company":"2022-02-13T16:20:27.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"32807","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"5216346","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2022-02-13T14:35:16.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Also proposed that they <em>use</em> the credit and total refund owed to me and <em>use</em> that to pay the {$330.00} card balance and send me the remaining credit balance as a refund check. \n\nAs of this writing USAA <em>have</em> not taken any steps to resolve this issue. USAA continue bill me for the {$330.00} XXXX <em>account</em> with interests."]},"sort":[15.188527,"5216346"]},{"_index":"complaint-public-v1","_id":"7434987","_score":14.964053,"_source":{"product":"Checking or savings account","complaint_what_happened":"I took out a student loan from XXXX for XXXX XXXX in order to finance my XXXX XXXX in XXXX XXXX from the XXXX XXXX XXXX XXXX. XXXX then disbursed the entire amount {$12000.00} to the XXXX XXXX XXXXXXXX, which uses a third-party bank, XXXX XXXXXXXX XXXX to disburse the check to me. XXXX XXXXXXXX issued me a check on XX/XX/2022 made out to my maiden name, XXXX XXXX XXXX. See attachment XXXX. I attempted to deposit this check, along with six other checks made out to my maiden name, to my Bank of America Checking Account through Bank of Americas mobile app on XX/XX/2022. See attachment XXXX and XXXX. As you can see from this statement, I had a balance of {$9400.00}, which included the deposited check for {$6300.00} that I intended to use to pay down my student loan. On XX/XX/2022, Bank of America sent me a letter saying that they are closing my account and will return the funds in the checking account to me, but that the decision to close my account would likely affect my credit. See attachment XXXX. On XX/XX/2022, Bank of America then sent me a letter saying that they had closed my account and would only issue me a check for {$3100.00}. They said that they have frozen the remaining funds ( the check for {$6300.00} ) and they would not be returned to me if the check was determined as stolen or fraudulent. See attachment XXXX. From the attachment XXXX you can see that this closure and report of fraud did go on my credit report. I have been unable to open another bank account since it was reported to XXXX XXXX. Bank of America said I had to get the money back from XXXX  XXXX, and XXXX XXXXXXXX needs to initiate a BANK TO BANK Recall for the money. I have been calling XXXX XXXXXXXX XXXX XXXX department to try to get this issue resolved for more than a year. They have told me that they dont have a procedure to do a bank-to-bank recall. They requested a police report and then a sworn affidavit as to what happened. See attachment XXXX Now, after submitting the documents they requested, XXXX XXXX has closed my complaint and told me that I must get the {$6300.00} from Bank of America. See attachment XXXX. I still have not received my {$6300.00} that would enable me to pay down my student loan, even though I have graduated by now.","date_sent_to_company":"2023-08-21T16:00:58.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"77073","tags":null,"has_narrative":true,"complaint_id":"7434987","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-08-21T15:31:30.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I <em>have</em> been unable to open another bank <em>account</em> since it was reported to XXXX XXXX. Bank of America said I had to get the money back from XXXX  XXXX, and XXXX XXXXXXXX needs to initiate a BANK TO BANK <em>Recall</em> for the money. I <em>have</em> been calling XXXX XXXXXXXX XXXX XXXX department to try to get this issue resolved for <em>more</em> <em>than</em> a <em>year</em>. They <em>have</em> told me that they dont <em>have</em> a procedure to do a bank-to-bank <em>recall</em>. They requested a police report and then a sworn affidavit as to what happened."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[14.964053,"7434987"]},{"_index":"complaint-public-v1","_id":"3154725","_score":14.554369,"_source":{"product":"Mortgage","complaint_what_happened":"Since XX/XX/XXXX, over-payment of escrow account, where M & T Bank   refused to credit mortgage account and pay down principal as requested numerous times over the phone. Only attaching a note on my bill, \" ... Our records indicate that M & T has sent you a refund check that you have not cashed yet. Check # XXXX, dated, XX/XX/XXXX in the amount of {$220.00} ... '' ; and I just read this, on or about XX/XX/XXXXas I recall, I spoke with someone in XX/XX/XXXX, where they told me they applied this to my principal per a phone conversation back where I exclaimed, this should have been done back in XX/XX/XXXX, and the customer service representative said it was! Again speaking in another phone call in XX/XX/XXXX where M & T, stated over the phone, they had applied the over-payment to principal, yet here it is XX/XX/XXXX -- and the above message has not been removed from my monthly bills. Has monies been wrongfully misplaced on purpose? How many more customers had their overpayments not cashed and given the option to have credit to escrow/principal paid instead? Is this a violation of the FHA/HUD Rules & Reg.? Someone was lied to, and can be backed-up to that effect, including any mishandling of funds, as the amount of mortgage payment should be less than {$1500.00} per month .... Please enforce the correct payment amount, as anyone who studies math, knows numbers do not lie. Escrow is knowable, especially since the numbers for the year XX/XX/XXXX were released and M & T did nothing to correct monthly payment amounts. The false amount placed in escrow by M & T is fraud. Including since they're raising the monthly payment amount they state I am short in the escrow, which is less than the amount they still owe in back principal. The shortage amount for XX/XX/XXXX, was about $ 170+/-, and where M & T raised monthly payment amount this year. Please slap them with a fine per the rules, credit my account back principal, and re-calculate actual payment amount as ESCROW TAX AMOUNTS HAVE BEEN RELEASED FOR THE XX/XX/XXXX-XX/XX/XXXX, and is knowable down to the XXXX, where I should be paying less than $ 1500/month ; M & T is charging, {$1500.00} -- which is more than previous year, and where if principal had been credited as they said they did, what would that amount be today? Per the XX/XX/XXXX bill  amount was {$1500.00}, and where they did not credit the $ XXXXwhich would have been a reduced payment amount. Please credit from XX/XX/XXXX and using the TVM~Time Value of Money equations, recalculate new principal amount with above applied credit and supply a new escrow to establish the correct payment amount due for per month for the year XX/XX/XXXX. Not withstanding anything less than a fine, and a credit of interest per both federal and California State Laws for wrongful mishandling of escrow balances and defrauding monthly payment amounts.","date_sent_to_company":"2019-02-17T21:01:24.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"95661","tags":null,"has_narrative":true,"complaint_id":"3154725","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"M&T BANK CORPORATION","date_received":"2019-02-17T19:22:52.000Z","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":["Please slap them with a fine per the rules, credit my <em>account</em> back principal, and re-calculate actual payment amount as ESCROW TAX AMOUNTS <em>HAVE</em> BEEN RELEASED FOR THE XX/XX/XXXX-XX/XX/XXXX, and is knowable down to the XXXX, where I should be paying less <em>than</em> $ 1500/month ; M & T is charging, {$1500.00} -- which is <em>more</em> <em>than</em> previous <em>year</em>, and where if principal had been credited as they said they did, what would that amount be today?"]},"sort":[14.554369,"3154725"]},{"_index":"complaint-public-v1","_id":"10693638","_score":14.48294,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"The account pertaining to the XXXX XXXX, is currently reflecting as a bad debt, I contacted them for two years. The first year I didnt drive the car as much upon driving the car and taking it to the shop, there were transmission issues. I than notice there was a class action where vehicle were being recall with an option for repair. My car was in the shop for almost a year and half, with no proper remedy. Upon informing XXXX Im not payments on a car I cant drive. XXXX than refuse to repair per class action lawsuit. And the vehicle was return per legal terms with my right to rescind the contract. I have not been able to rectify the issues with either company and I need it resolved. Removed from my credit report. And it being a bad debt because XXXX, Carvana and XXXX failed to rectify the issues.attched are a few copies of the issue at hand. I have more supporting documents. \nRight to Rescind XXXX XXXX XXXX XXXX XXXX XXXX \nXXXX SC XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX Subject : Exercise of Right to Rescind Dear Carvana and XXXX, I am writing this letter to formally exercise my right to rescind the Retail Purchase Agreement and Retail Installment Contract and Security Agreement ] that was entered into between XXXX XXXX XXXX and Carvana LLC and XXXX XXXX XX/XX/XXXXXXXX \n\nAccording to 1026.23 Right of rescission, I have the right to rescind within 3 years from the date of signing. As such, I am within the allowed timeframe to exercise this right. \n\nTILA ( 15 U.S.C. 1635 ) gives borrowers an extended right to rescind within three years if the lender has failed to provide to the borrower either the notice of rescission or accurate material disclosures. In you all case documents and correct information I hereby declare my decision to rescind the aforementioned contract/agreement due to XXXX. Withholding any material information about the new or used vehicle ; failed to disclose the car was a part of a Class Action Lawsuit and that the car had no known repair issues ( clutch Failure and Replacement ) ( Transmission and Power Train Failure ) 2. Falsey Advertising which applies to many forms of Auto Dealer Fraud 3. False misrepresentation of the Used Car Rule feral regulations require used car dealerships to disclose certain information, prohibiting false statements materials misrepresentations and other unfair or deceptive practices in connections with the sale of the used vehicle. ( Dealer Disclaims and implied warranties or offers for sale as is and service contracts available ( XXXX XXXX XXXX and XXXX ) 4.Misrepresentaions of the Retail Purchase Agreement and Retail Installment Contract and Security Agreement ( XXXX XXXX ) 5. The UETA & eSign requirements for South Carolina XXXX. Recalls and Defects, and as followed : Recalls & Defects Recall Subject : Structure : body Report Receipt Date : XXXX Campaign : XXXX SummaryXXXX XXXX XXXX XXXX XXXX  ) is recalling certain XXXX fXXXX XXXX XXXX XXXX. the floor pan may have improperly welded left-hand apron joints. \nConsequenceImproperly welded apron joints may reduce the front-end structural integrity of the vehicle, increasing the risk of injury in the event of a crash. \nXXXX will notify owners, and dealers will inspect the apron joints, repairing the vehicle, as necessary, free of charge. the recall began XX/XX/XXXX, XXXX owners may contact XXXX customer service at XXXXXXXX XXXX XXXX number for this recall is XXXX. \nNotesOwners may also contact the national highway traffic safety administration vehicle safety hotline at XXXX ( tty XXXX ), or go to XXXX. \n\nRecall Subject : Structure : body : hatchback/Liftgate Report Receipt Date : XXXX Campaign : XXXX XXXX XXXX XXXX ( XXXX ) is recalling certain model year XXXX XXXX XXXX XXXX vehicles manufactured XX/XX/XXXX, to XX/XX/XXXX and equipped with a manual transmission. the hatchback of the affected vehicles may be unlatched with a single press of the interior latch release button. as such, these vehicles fail to comply with the requirements of federal motor vehicle safety standard ( XXXX ) number 206, \" door locks and door retention components. '' ConsequenceWith only a single press needed, the driver may accidently unlatch the hatchback, increasing the risk of injury to any unsecured passengers in the back. \nXXXX will notify owners, and dealers will reprogram the body control module with updated software, free of charge. the recall began XX/XX/XXXXXXXX XXXX XXXX owners may contact XXXX customer service XXXX XXXXXXXX XXXX XXXX number for this recall is XXXX. \nNotesOwners may also contact the national highway traffic safety administration vehicle safety hotline at XXXX ( tty XXXX ), or go to XXXX. \n\nRecall Subject : Fuel System, Gasoline : storage Report Receipt Date : XXXX Campaign : XXXX XXXX XXXX XXXX ( XXXX ) is recalling certain XXXX XXXX XXXX vehicles with a XXXX XXXXXXXX XXXX XXXX XXXX XXXX. the canister purge valve ( cpv ) may malfunction, possibly causing excessive vacuum in fuel vapor management system.\n\nConsequenceThe excessive vaccuum may result in an engine stall while driving, without warning and without the ability to restart the vehicle, increasing the risk of a crash. \nXXXX will notify owners, and dealers will reprogram the powertrain control module. dealers will also check for fault codes and replace the cpv as needed. if the cpv is replaced, dealers will inspect and replace the carbon canister, fuel tank and fuel delivery module as necessary. the recall began XX/XX/XXXXXXXX XXXXXXXX owners may contact XXXX  customer service XXXX XXXXXXXX XXXX XXXX number for this recall is 18s32. note : until the vehicle is serviced for this concern, owners are advised to keep the fuel tank at least halfway full. \nNotesOwners may also contact the national highway traffic safety administration vehicle safety hotline at XXXX ( tty XXXX ), or go to XXXX. \n\nRecall Subject : Power Train : manual Transmission Report Receipt Date : XXXX Campaign : XXXX XXXX XXXX XXXX ( XXXX ) is recalling certain XXXX XXXX XXXX vehicles equipped with XXXX XXXX XXXX XXXX engine and a 6-speed manual transmission. the clutch may fracture, resulting in damage to the transmission assembly and possibly a transmission fluid leak. \nConsequenceA transmission fluid leak in the presence of an ignition source such as hot engine or exhaust components can increase the risk of a fire. \nXXXX will notify owners, and dealers will update vehicles with software that detects and prevents prolonged clutch slip, and will replace the clutch, as necessary, free of charge. the recall began XX/XX/XXXX, XXXX owners may contact XXXX  at XXXXXXXX XXXX XXXX number for this recall is 18s07. note : this recall is an expansion of recall 18v-169. \nNotesOwners may also contact the national highway traffic safety administration vehicle safety hotline at XXXX ( tty XXXX ), or go to XXXX. \n\nRecall Subject : Power Train : manual Transmission Report Receipt Date : XXXX Campaign : XXXX XXXX XXXX XXXX ( XXXX ) is recalling certain XXXXXXXX XXXX XXXX vehicles equipped with a XXXX XXXX XXXX and 6-speed manual transmission and XXXXXXXX XXXX XXXXXXXX vehicles equipped with a XXXX XXXX XXXX and 6-speed manual transmission. also included are XXXX XXXXXXXX XXXX XXXX vehicles that had clutch replacements with potentially affected parts. the clutch may fracture, resulting in damage to the transmission assembly and possibly a transmission fluid leak. \nConsequenceA transmission fluid leak in the presence of an ignition source such as hot engine or exhaust components can increase the risk of a fire. \nXXXX will notify owners, and dealers will update the focus vehicles with software that detects and prevents prolonged clutch slip, and will replace the clutch, as necessary, free of charge. owners of fusion vehicles will have their clutch assembly replaced free of charge. the recall began XX/XX/XXXXXXXX XXXX XXXX owners may contact XXXX customer service XXXX XXXXXXXX XXXX XXXX number for this recall is XXXX. \n\nXXXX. The specific discrepancies, false information, or misrepresentations found on the Bill of Sale and Retail Installment Contract Gap Coverage for {$690.00} ; SECTION 37-30-140. GAP waiver disclosures. A Number 7, 7 ) a statement that the purchase of the GAP waiver is optional and the statement must be in all caps, underlined, or disclosed in another prominent manner and must be substantially similar to the following : \" THIS GAP WAIVER IS NOT REQUIRED TO OBTAIN CREDIT, NOR TO OBTAIN CERTAIN TERMS OF CREDIT OR TO PURCHASE THE RELATED MOTOR VEHICLE. THIS GAP WAIVER WILL NOT BE PROVIDED UNLESS YOU SIGN AND AGREE TO PAY THE ADDITIONAL COST '' and B, A GAP waiver that is included within the body of the finance agreement must provide the disclosures required by this section in a separate document that must be signed by the borrower before the purchase of a GAP waiver. A GAP waiver that is a separate addendum to the finance agreement may include these disclosures within the terms of the GAP waiver which also must be b XXXX. XXXX XXXX XXXX at a 16.994 %. Above the XXXX during the time my car was purchase, This was not agreed to in the first initial screening an installment plan. ( XXXX XXXX ) XXXX. 8. Notice of Violation of FCRA 15 Code 1666b 4. Notice of Violation of Consumer Rights I kindly request that you acknowledge this rescission in writing and provide instructions on how to proceed with yo all providing the return of all my funds, property, or any other relevant matters. I expect a prompt response within 14 business days of the date listed above. \n\nPlease be aware that upon the rescission of the contract/agreement, any obligations or responsibilities outlined within it shall cease to be binding for both parties. \n\nThank you for your attention to this matter. I look forward to resolving this situation amicably. \n\nYours sincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-11-05T17:42:02.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Lease","zip_code":"29687","tags":null,"has_narrative":true,"complaint_id":"10693638","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Carvana Group, LLC","date_received":"2024-11-05T17:32:10.000Z","state":"SC","company_public_response":null,"sub_issue":"Termination fees or other problem when ending the lease early"},"highlight":{"complaint_what_happened":["The <em>account</em> pertaining to the XXXX XXXX, is currently reflecting as a bad debt, I contacted them for two years. The first <em>year</em> I didnt drive the car as much upon driving the car and taking it to the shop, there were transmission issues. I <em>than</em> notice there was a class action where vehicle were being <em>recall</em> with an option for repair. My car was in the shop for almost a <em>year</em> and half, with no proper remedy. Upon informing XXXX Im not payments on a car I cant drive."]},"sort":[14.48294,"10693638"]},{"_index":"complaint-public-v1","_id":"9076627","_score":14.373811,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On the afternoon of XX/XX/year> I called EQUIFAX to verify if my account had been locked or frozen. Just asked for a \" yes '' or \" no '' answer. My identity was stolen in late XXXX ( or earlier ) as evidenced by an out of state business texting me a photo of an Ohio state drivers license identical to mine except for the photo and signature. \nI spoke with TWO DIFFERENT customer service representatives at Equifax. Each had heavy accents. After answering ALL personal questions ... .DOB , SSN, address, etc etc, I was asked to explain activity on credit cards accounts that were closed 4 or more years ago including minimum monthly payments. I explained that I had 3 and only 3 sources of credit that I have used for more than the last 3 years and that I pay each month off in full so no minimum monthly charges. I explained the names and full details of these 3 credit sources. BOTH \" customer service '' reps said I failed to verify my identity because I could not recall accounts from 3, 5 or 10 years ago which had been closed for years, but still in my credit report. \nThen they asked \" when was the last time you had your account frozen ''. I replied \" my FIRST STATEMENT TO YOU WAS THAT I WAS CALLING TO VERIFY IF MY ACCOUNT WAS IN FREEZE OR NOT '' So, I DON '' T KNOW, THAT IS WHAT I CALLED TO ASK YOU. Both \" customer service '' reps told me that they WOULD NOT COOPERATE WITH ME. I asked to speak to someone in the UNITED STATES and they both said that was impossible. AND don't forget the recent \" security breach '' BY EQUIFAX that caused the release of everyone 's SSN onto the XXXX web. AND NOW they refuse to verify if my account is frozen. IF you don't SEVERELY FINE ( $ BILLIONS ) or disbar these scumbags from messing with citizens, then why are would you be any better than them???? If you expect americans to continue to care anything about america, please see this through. Otherwise there is no more america.","date_sent_to_company":"2024-05-23T03:09:19.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"44136","tags":"Older American","has_narrative":true,"complaint_id":"9076627","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-05-23T02:29:30.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["After answering ALL personal questions ... .DOB , SSN, address, etc etc, I was asked to explain activity on credit cards <em>accounts</em> that were closed 4 or <em>more</em> years ago including minimum monthly payments. I explained that I had 3 and only 3 sources of credit that I <em>have</em> <em>used</em> for <em>more</em> <em>than</em> the last 3 years and that I pay each month off in full so no minimum monthly charges. I explained the names and full details of these 3 credit sources."]},"sort":[14.373811,"9076627"]},{"_index":"complaint-public-v1","_id":"3329258","_score":13.938312,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On two past occasions ( within a year ) I learned that I had missed payments from my Citi Advantage Credit Card. I wasn't sure because I am very organized and we always pay our bills on time and pay off the entire amount. This particular credit card, we rarely used too so it always had a very small balance ( normally, less then {$50.00} ). On the 2 occasions I was told I had signed up for paperless statements which I do not recall at all and would not have done that on purpose. I like paper copies because I note when I make payments and I like to write down when I made the payment and I file it away. This past month ( XXXX ), apparently it happened again. I called and asked to have the late fee ( {$25.00} ) and interest ( XXXX cents ) removed and they said no because they had removed it 2 already within the year. The credit card bill total was for for {$52.00} plus {$25.00} plus XXXX cents. I closed the account immediately but they still refused to credit late fee and interest. \n\nI told them that Citi has designed their website so when people first login to their account they \" purposely '' and willfully attempt to get consumers to click on paperless. I think this is more than an attempt to save money from just sending electronically vs sending via the mail, I would argue that Citi is making large profits off this when people receive these late payments and either just pay them off or refuse to go to the trouble to fight it like I am. I believe this could be huge and could help many others. Companies should have to have 3 alerts to ask you if you are sure you want to receive paper copies. They want this to happen.","date_sent_to_company":"2019-08-03T23:15:23.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"211XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3329258","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2019-08-03T22:54:14.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["On two past occasions ( within a <em>year</em> ) I learned that I had missed payments from my Citi Advantage Credit Card. I wasn't sure because I am very organized and we always pay our bills on time and pay off the entire amount. This particular credit card, we rarely <em>used</em> too so it always had a very small balance ( normally, less then {$50.00} ). On the 2 occasions I was told I had signed up for paperless statements which I do not <em>recall</em> at all and would not <em>have</em> done that on purpose."]},"sort":[13.938312,"3329258"]},{"_index":"complaint-public-v1","_id":"1883278","_score":13.792694,"_source":{"product":"Bank account or service","complaint_what_happened":"I have had a checking account with PNC BANK for many years. I am a XXXX XXXX year old XXXX who has his social security XXXX pension deposited directly in my checking account. I have huge medication expenses and during this time of the year I sometimes overdraw my account. I have opted in for overdraft protection which I know will cost me a lot when I over draw. I have tried to open a savings account to protect me from these large charges but I am XXXX miles from the nearest branch and therefore PNC says I can not prove who I am as required by the Patriot act. They do n't like old people I think. In order to effect a better option for overdraft charges, which are killing me ( I am a XXXX XXXX patient ), I called the bank several times and they suggested that I apply for a PNC VISA CARD and opt to use the credit limit on the card to act as my overdraft protection. This I did and a PNC VISA credit card with a {$1000.00} credit limit was granted to me. I was told that this card would be used for my overdraft protection. They advised that my credit card limit would be used as my over draft protection, but I would incur a cash advance charge when that feature was used to comer my overdraft. I so agreed. I am XXXX and can not read with my XXXX ( XXXX which I do n't have at this time ), so I called the bank many times to assure myself that my overdraft protection up to my credit line was in effect.i was told it was. The bank erred the first few times I had an overdraft and they charged me about {$70.00} as I recall. I called them and they acknowledged their error, that being that my visa credit line was not attached to my checking account properly and they would do so immediately, and refund the charges. This worked for awhile and they would debit my Visa and charge me {$10.00} each time. I thought {$10.00} was too much as no one ever told me it would be that high. After awhile PNC again started charging me {$35.00} X XXXX every time I over drew. My check is only {$1700.00} so this really hurts. The bank knows of my low vision problem. This past month these charges amounted to over {$270.00} which I think is unlawful. I called them and that they reverse all the charges as I had more than {$600.00} of my credit left on my Visa. They refused. Please see if you can help me. Many thanks XXXX XXXX","date_sent_to_company":"2016-04-16T14:54:20.000Z","issue":"Problems caused by my funds being low","sub_product":"Checking account","zip_code":"707XX","tags":"Older American","has_narrative":true,"complaint_id":"1883278","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2016-04-16T14:54:19.000Z","state":"LA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I <em>have</em> had a checking <em>account</em> with PNC BANK for many years. I am a XXXX XXXX <em>year</em> old XXXX who has his social security XXXX pension deposited directly in my checking <em>account</em>. I <em>have</em> huge medication expenses and during this time of the <em>year</em> I sometimes overdraw my <em>account</em>. I <em>have</em> opted in for overdraft protection which I know will cost me a lot when I over draw."],"product":["Bank <em>account</em> or service"],"sub_product":["Checking <em>account</em>"]},"sort":[13.792694,"1883278"]},{"_index":"complaint-public-v1","_id":"1693363","_score":13.557612,"_source":{"product":"Credit card","complaint_what_happened":"We have a Shell gasoline credit card, primarily as an emergency, as we also have a XXXX and XXXX ones as well. In XXXX while out of town we used the card once, making a purchase of lest than {$20.00}. Earlier in the calendar year Shell had sent us new cards with a new account number replacing the old XXXX. I did n't realize that with this new account number I would also be locked out of my online account, as apparently my passwords were also changed by the company, NOT ME. I tried at the end of XXXX 2015 to pay the account and could not access it online. To be honest as I work long hours I did n't make another attempt assuming I would be billed. I never received a bill or overdue statement through the US Mail. The company started calling my house recently and apparently were calling on the landline I use for business as I work from home, but this is my personal account so I do n't recall giving them this number. I recently found out that they were reporting this to the credit bureaus as a seriously overdue account with late fees accessed. Today, XXXX XXXX, 2015, I called and in a rather lengthy process paid off the account which had ballooned from a less than {$20.00} fuel purchase of to more than {$80.00}. The representative at Shell would only remove XXXX late fee when I explained to him that since receiving the new card ( which I never requested ) that I was neither able to access my online account to pay NOR had they sent me any form of bill so I did n't know what the amount due was. Moreover when I paid the bill, in excess of {$65.00}, I requested to close the account and I wanted a written confirmation sent to my home address showing that the bill was paid in full and the account closed. The representative told me he COULD NOT send me written confirmation to my home address, he could only give me a confirmation # over the phone ( XXXX ). He then was supposed to transfer me to another department to close my account but after putting me on hold I was somehow disconnected and I had to call back and go through another lengthy hold process and speak with XXXX more CSRs in order to close my account. As I previously stated I work from home and I literally had to move a meeting in order to remain on the phone with this company to get this resolved. This bill was also reported to the credit agencies even though I WAS NEVER NOTIFIED AT MY HOME ADDRESS OF THE ACCOUNT BEING DELIQUENT. I can not emphasize this point enough as I bought a new car in XXXX of this year and at that time my credit rating was very strong. I do n't believe I should have been accessed ANY late fees and quite frankly I wonder if this company deliberately did this to make some money off me as I do n't use their card pretty much at all. I would like to be refunded the late fees as they basically more than tripled the initial charge and I am in the habit of paying all of my bills on time and this would n't have happened if XXXX ) they had not replaced my card with another XXXX with a new account number ( it was NOT replacing a lost or stolen card ) without informing me that the change would impact my online accessibility and XXXX ) they never sent me ANY form of communication to my home address even though obviously they HAVE my home address which is how they sent me the card to begin with. I am especially disturbed also at their refusal to send me any written confirmation about the bill being paid and the account being closed. I thought they were required to provide me with this. I work on computers all day and pay my bills mostly online as well, but I still keep hard copies of some types of information and would have appreciated having this in writing for my records. I would still like something in writing stating that the account was closed and paid in full.","date_sent_to_company":"2015-12-11T18:57:36.000Z","issue":"Closing/Cancelling account","sub_product":null,"zip_code":"23453","tags":null,"has_narrative":true,"complaint_id":"1693363","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2015-12-11T18:57:35.000Z","state":"VA","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["We <em>have</em> a Shell gasoline credit card, primarily as an emergency, as we also <em>have</em> a XXXX and XXXX ones as well. In XXXX while out of town we <em>used</em> the card once, making a purchase of lest <em>than</em> {$20.00}. Earlier in the calendar <em>year</em> Shell had sent us new cards with a new <em>account</em> number replacing the old XXXX. I did n't realize that with this new <em>account</em> number I would also be locked out of my online <em>account</em>, as apparently my passwords were also changed by the company, NOT ME."],"issue":["Closing/Cancelling <em>account</em>"]},"sort":[13.557612,"1693363"]},{"_index":"complaint-public-v1","_id":"8104582","_score":12.9835415,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"We live in the twin cities area in Minnesota. My family was a victim of a scam. My wife was brainwashed for 3 weeks and told to send all our savings to an unknown account. It was a huge loss for our family with two young kids. We reported to our bank a few hours after the transaction ( XX/XX/XXXX ) and the bank told me after 20 days that the funds can not be recovered. The main reason I would like to file this report is that the current Standard Operating Procedure ( SOP ) for dealing with scam crimes between banks leaves time for the criminals to exploit vulnerabilities and execute their fraudulent activities with calculated precision. Three main factors from my case : ( 1 ) the Scam Victim Acknowledgment document needs more than 24 hours to get to the victim via email ( if using regular mail, it will take more than 48 hours ). ( 2 ) The receiving bank ( Chase bank ) did not take any action for more than 2 days after the recall request was sent ; ( 3 ) XX/XX/XXXX was Thanksgiving, many people working in the banks may be out for the holiday. Criminals may use this holiday window plus weekends and the reaction time of the two banks to successfully complete crimes. I hope some actions can be taken to prevent something like this from happening to other victims of scam. \n\nHere is what happened to my family. On XX/XX/XXXX, my wife received a few calls from XXXX customer service ( It was a part of the scam ). The agent was a XXXX speaking person ( our family is originally from XXXX ) saying that my wifes personal information was stolen. Another person in XXXX used her information to apply for a credit card and had purchased a lot of things, some of them were with a 36-month payment plan. My wife should contact a local police department in XXXX. It was in XXXX XXXX, XXXX XXXX. My wife was suspicious but still wanted to make sure. She googled the phone number of that police department and called to report the XXXX issue. The police officer over there ( also a scam, they were able to transfer calls from my wifes phone to their number. That is, you think you called the police department, but your phone call was transferred to another number ) told her that she was involved in an international child trafficking case ( did not care anything about the XXXX case ). Her information had been used in XXXXXXXX XXXX and the XXXX XXXX XXXX  XXXX had been investigating this case. My wife was XXXX of the suspects that they had been secretly following. They also told my wife our familys travel records, even websites we visited in the past year. My wife started to believe this case was real. All of sudden, another police officer made a loud announcement in the background that they needed to arrest my wife immediately. My wife was terrified and deeply believed that her personal information was stolen and used in this child trafficking case. She agreed to cooperate with the investigation and agreed to keep this secret without telling anyone including myself ( her husband ). Then for about 3 weeks, she reported her daily activities, sent photos of her, facetimed with the police officers. My wife still has the chat history and the XXXX ( for facetime ). They usually chat with the web camera off, just occasionally used the camera to show themselves in an office with uniforms, but they all wore face masks. They asked my wife to report our savings in our bank as well as XXXX. A senior XXXX expressed that if my wife followed what was told, he could help my wife to proof that she was not related to this XXXX XXXX case. On XX/XX/XXXX, they showed an arrest warrant to my wife, and she was totally terrified. They asked my wife to transfer all the money in our bank account to a Chase bank account with a New Jersey address, saying this person was an undercover detective and this account was associated with the XXXX XXXX XXXX XXXX XXXX XXXX ) of XXXX XXXX. They needed to make sure these funds were not related to the child trafficking case. My wife went to a Bank XXXX XXXX and wired $ XXXX to the Chase account between XXXX and XXXX on XX/XX/XXXX. \nWhen I came home from work that day at about XXXX, my wife cried and told me the whole story. I was totally shocked, and my brain was empty. I told her that it was a scam. She still believed by doing this she would not be arrested and still being able to be with me and the kids. She still believed in after XXXX weeks XXXX will return our funds. After helping the kids with dinner, I called XXXX XXXX XXXXXXXX ( XXXX  ) to report this issue and asked for the cancellation of this transaction. It was XXXX. The bank agent told me that they can not stop the transaction, but a recall request was sent. I will receive and sign a scam victim acknowledgement document, so that XXXX can send it to Chase to recover the funds. The XXXX agent also told me that the funds XXXX show up to my account soon because a recall was sent, sounded like they have confidence that they can recall the funds ( I called XXXX a few times to get updates about this case, all but the last XXXX told me that they should be able to do so. The last one only said they could not recover my fund and will close this request ). I also called the police department in my town. An XXXX documented this case and gave me the case number and told me to contact her the next day for any updates. The officer was concerning whether there was any loss. I felt like she was also optimistic about getting the funds back in a day or two. However, there are two factors here as I mentioned in the beginning of this report : ( 1 ) the Scam Victim Acknowledgment document needs more than 24 hours to get to the victim via email ( if using regular mail, it will take more than 48 hours ). ( 2 ) XX/XX/XXXX was XXXX. XXXX might not send the signed Scam victim acknowledgement document to Chase that day ; if sent, Chase bank might not process the Scam victim acknowledgement document right away. In addition, many people working in the banks may be out of the office for the holiday. Moreover, there was a weekend one day after the XXXX holiday, which may further delay the processing in the bank. This gives time for the criminal to successfully complete the crime. \n\nHere is the timeline of my case : XX/XX/XXXX XXXX : My wife went to XXXX to transfer the funds from our account to the fraudsters account in Chase bank. \nXX/XX/XXXX XXXX : I reported to XXXX  XXXX local police, FBI XXXX federal trade commission ( FTC ). I also called the police in XXXX XXXX. They told me that they wont do anything until the local police from MN contacts them. I called Chase customer service, they said they wont do anything unless law enforcement interacts with their legal team. \nXX/XX/XXXX about XXXX : We received a message from XXXX that our transaction was debited to the fraudsters account. \nXX/XX/XXXX XXXX : I received the Scam Victim Acknowledgement form from BOA in the email XX/XX/XXXX ( XXXX XXXX ) XXXX : I signed and emailed the Scam Victim Acknowledgement form back to XXXX. I called the XXXX department of Chase bank. I was told that they could not help me over the phone ; I had to visit a local bank branch and talk to an agent on XX/XX/XXXX XX/XX/XXXX XXXX : I went to a local Chase bank near my house. The bank agent did not disclose any info about the fraudsters account but said would contact the fraud department and gave my some information later. That agent called me at around XXXX and said that as soon as they received the acknowledgement document from XXXX XXXX they will freeze the recipients account. I also called XXXX and confirmed that they had received the signed Acknowledgement document and sent it to Chase. \nXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I called XXXX  on these days and was told no updates. One agent also told me that the funds needed time to show on the recipients account and on XXXX day, the recipient can not do anything through the bank because of the holiday. So it was highly possible to recover the funds. \nXX/XX/XXXX XXXX : My wife and I went to Chase bank again to get some updates. Like last time, they couldnt disclose customer information but told us that the fraudsters account has been frozen since XX/XX/XXXX ( did not disclose what time ). \nXX/XX/XXXX XXXX. I received an email from XXXX with a document saying the fund recovery was not successful. \nXX/XX/XXXX XXXX. I called XXXX and was told that the recovery was not successful because there was no fund in that account. \nXX/XX/XXXX, XX/XX/XXXX I called the local police department and the XXXX who was in charge of my case was out. \nXX/XX/XXXX : I reported to the same XXXX again about the loss. It seems like this time my case was taken more seriously, and this case will be sent over for investigation. \nI dont have any information from XXXX or Chase regarding when the funds were moved from the fraudsters account. From this timeline, it tells me that the funds were already gone between XX/XX/XXXX and XX/XX/XXXX. \n\nThis whole process makes me feel quite helpless and upset. I admit that the starting point was my wife being brainwashed and authorizing the transaction. After reporting this scam, both XXXX  and the police XXXX gave me the impression that the funds should be able to recover. Not a big deal. However, it failed eventually. I feel that at several points the XXXX banks could prevent this from happening. It takes too long for XXXX to send out the scam victim acknowledgement document for the victim to sign and send to Chase bank. When there is a scam, there is no quick response mechanism between banks, e.g., temporarily freeze a susceptible account and give time for investigation. In addition, Chase bank took no action for more than 2 days after the recall request was sent based on the limited information I received. It also took a long time for Chase bank to inform XXXX about the failure to recover the funds. After 20 days, the police wont be able to react to this crime quickly. I am not sure whether there is an investigation within the Chase bank regarding whether the fraudster uses fake or stolen identification for this account. Because of this delay, law enforcement will miss the opportunities to quickly identify the fraudster and protect more people from scams.","date_sent_to_company":"2024-01-05T00:38:11.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"55347","tags":null,"has_narrative":true,"complaint_id":"8104582","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-01-05T00:29:16.000Z","state":"MN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Three main factors from my case : ( 1 ) the Scam Victim Acknowledgment document needs <em>more</em> <em>than</em> 24 hours to get to the victim via email ( if <em>using</em> regular mail, it will take <em>more</em> <em>than</em> 48 hours ). ( 2 ) The receiving bank ( Chase bank ) did not take any action for <em>more</em> <em>than</em> 2 days after the <em>recall</em> request was sent ; ( 3 ) XX/XX/XXXX was Thanksgiving, many people working in the banks may be out for the holiday."]},"sort":[12.9835415,"8104582"]},{"_index":"complaint-public-v1","_id":"2922741","_score":12.933797,"_source":{"product":"Checking or savings account","complaint_what_happened":"I was attending college at XXXX XXXX, back in XX/XX/2014. When I had stopped at a gas station to make a with draw from my checking account I with drew XXXX   dollars and still have my receipt for when I last used my account that day. I reported my card stolen the moment i found out the bank was trying to reach me at my house phone, I wasn't there nor able to get to the call until I went to the bank and found out my account was negative at a outstanding negative balance,. I said that cant be I had over four thousand dollars. i had looked for my debit card every where but couldn't find it after my last transaction. I have my police report and i filled out two identify theft packets at the time in the year of XX/XX/2014. I can assure you that no one else had my pin nor i shared my bank info with anybody. i have talked to various lawyers about this case on coming to a resolution with the bank and being able to get a subpoena, to try to check the atm cameras on who really made these transactions. i also spoke with a detective from fraud over this matter but than he also got bored of trying to help me fix this problem like if he didn't want to deal with it no more. the bank sent me a statement of the transactions that were being made and i showed the detective of all the ones i don't recognize which was the majority. the fraud checks that were deposited are not my signatures, i showed the detective everything that would be able to help me in this case. i still to this day don't like my money sitting in the bank due to this matter i got robbed by someone who committed fraud on me and i hope to come to a resolution with the bank because the bank only acknowledges the negative balance on the account but not the money that was in the checking account before it went missing. therefore im not paying the negative balance because this is fraud and can assure you i will not rest until this is solved and every one is happy. like I said till this day i haven't been to the city where all these transactions took place. and as i recall wells fargo was going through a crisis at that time of year where fraudulent accounts were being created by employees who worked for wells Fargo.","date_sent_to_company":"2018-05-31T17:31:31.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"68107","tags":null,"has_narrative":true,"complaint_id":"2922741","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2018-05-31T16:34:41.000Z","state":"NE","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":["I <em>have</em> my police report and i filled out two identify theft packets at the time in the <em>year</em> of XX/XX/2014."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[12.933797,"2922741"]},{"_index":"complaint-public-v1","_id":"2881286","_score":12.591844,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"There are several glaring inaccuracies on my Transunion credit report that I have submitted quite a few online disputes including documentation in the past few years with no recourse. On XX/XX/XXXX, I sent Transunion a formal ( notarized & certified ) request asking them to reinvestigate and verify several of these accounts. I also requested the description in which they would be using to verify these accounts as it seems my requests for a legitimate investigation have simply been blown off. In response, not only did I basically receive a copy of my unchanged Transunion credit report ( dated XX/XX/XXXX ) stating the accounts were \" verified '' ( with no information on the description they used to \" verify '' any of the information ) but they also attached an address where I've NEVER resided ( in a state halfway across the country from my residence ) AS WELL AS a new mysterious collection account on behalf of a utility company I had never heard of - for my troubles. \n\nPlease note, prior to Transunion receiving my initial formal request on XX/XX/XXXX for them to verify the specific accounts listed, I had already personally reached out to a few of these creditors directly and had in my possession documentation that several of the accounts Transunion for years listed as being derogatory had already either been PAID - as well as correspondences going back over 3 years where the creditors stated they reached out to Transunion on several occasions and yet nothing happened. I even have copies of my receipts of payments to one of the main creditors that I have vehemently disputed for years - ALL of which were already previously sent to Transunion. In addition, I have letters from creditors stating outright that they themselves could not locate my accounts in their database. Yet somehow Transunion is continuously able to \" verify '' the information with these very same creditors? It is not unreasonable to doubt that any investigation/reinvestigation of ANY of these accounts ever occurred. \n\nI then sent my second request ( notarized and certified ) to Transunion on XX/XX/XXXX exercising my rights under the FCRA further insisting on their methods of verification. I also requested a copy of the original creditor 's documentation that by law they are supposed to have on file. If they had neither method nor documentation on file, not only did I insist on my right to have the accounts deleted, but I also included several of the above listed creditor responses AS WELL AS additional supporting documents from XXXX  and XXXX XXXX ( one of Transunions own partners ) who both so happened to notify me on XX/XX/XXXX of the FIVE credit databreaches that I was reported to have been involved in during the past few years. I included these notices and creditor letters in my request as an effort of good faith hoping that someone would finally take my requests seriously and simply do the job of verifying the account information. However in early XX/XX/XXXX even after all of the supporting documents, I STILL received another boilerplate credit report. \n\nNevertheless, I persisted. On my third attempt on XX/XX/XXXX, I mailed yet another certified and notarized request to Transunion advising them that it had now been 59 days since my initial request for a reinvestigation. I insisted that the unverified accounts be removed as they were now in clear violation of the FCRA, yet those accounts remained. Instead, what they DID do was send me a notice dated XX/XX/XXXX ( a full 69 DAYS from Transunion 's certified receipt of my first request ) inserting someone's name ( who that person is, I have no idea ) onto one account giving no additional details and filed a fraud alert on my behalf with another creditor. Several other accounts still remain completely unchanged. \n\nAs if that was not bad enough, I contacted the mysterious collection account that seemed to suddenly appear on my credit report after my initial request, ( XXXX XXXX XXXX XXXX on behalf of XXXX XXXX/a utility company clear across the country from me ) and not only was I advised by the representative  that they have no record of anyone from Transunion contacting them about verifying this account, they themselves caught this error MONTHS ago and reached out to Transunion ( as well as their client ) several times since the beginning of the year - in fact, as recently as XX/XX/XXXX ; each time requesting a deletion from my credit report. On my phone call today ( XX/XX/XXXX ) to XXXX XXXX XXXX XXXX ( I also called on XX/XX/XXXX ), I spoke with Account Representative, XXXX, and put in a 2nd request for them to mail me the official recall documents confirming the error, recall and dates that they submitted these recall requests directly to Transunion ; which I will be more than happy to upload to this complaint upon receipt. In the meantime, XXXX XXXX XXXX XXXX ' phone number is XXXX and XXXX and her supervisor have been more than helpful and accommodating. \n\nLastly, for good measure, although no new additional derogatory information has been added, immediately after my second & third letters, Transunion has decreased my score a few points ( only to bring it back up again a few points but never making any real substantial changes ). \n\nOutside of the blatant FCRA violations, I also personally think the reporting of the ADDITIONAL ( false ) address/creditor/collection agency information on my credit, the shaving off of a few points here and there as well as the filing of a fraud alert to a company versus actually doing the job of verifying accounts upon request shows a deeper insidious pattern of Transunion intentionally using scare tactics on customers from demanding fair credit reporting on their part. With my documentation, I believe I can clearly show that even after a more than decent amount of communication and effort on my part, a reasonable person can see that Transunion did NOT do the reinvestigation they claimed to have completed since they received my initial request way back on on XX/XX/XXXX, that they aren't above using intimidation tactics to attempt to scare customers from following up and demanding their rights be upheld and they definitely did not handle this before XX/XX/XXXX which was the duration of the timely 45 days as required by law. \n\nPlease note, after logging this complaint, I will also be emailing this to Transunion CEO, XXXX XXXX. Thank you.","date_sent_to_company":"2018-04-19T19:00:04.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30238","tags":null,"has_narrative":true,"complaint_id":"2881286","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-04-19T18:50:07.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["On my phone call today ( XX/XX/XXXX ) to XXXX XXXX XXXX XXXX ( I also called on XX/XX/XXXX ), I spoke with <em>Account</em> Representative, XXXX, and put in a 2nd request for them to mail me the official <em>recall</em> documents confirming the error, <em>recall</em> and dates that they submitted these <em>recall</em> requests 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