{"took":241,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":90353,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"18331608","_score":20.353231,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I am filing this complaint regarding XXXX Ones denial of my credit application and its failure to provide a lawful, transparent, and fully compliant adverse action process as required under federal consumer protection laws. \n\nXXXX XXXX denied my application but failed to provide a clear, specific, and actionable explanation supporting the adverse action. The information provided was vague, generalized, and insufficient to allow me to understand or remedy the stated reasons for denial. \n\n\n\nAdverse Action & Disclosure Violations Under the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ), creditors are required to provide : Specific principal reasons for denial Disclosure of whether a consumer report was used Identification of the consumer reporting agency relied upon Disclosure of whether the decision was automated or manually underwritten Capital XXXX did not provide a meaningful or detailed adverse action explanation and failed to clearly disclose the underwriting methodology used. \n\n\n\nXXXX XXXX & Risk-Based Pricing Concerns Under XXXX XXXX. XXXX ( Truth in Lending Act ), creditors must properly determine and disclose how finance charges, XXXX assumptions, and risk-based pricing criteria are evaluated. \n\nXXXX XXXX did not explain whether undisclosed finance charge assumptions, internal pricing tiers, or risk-based criteria influenced the denial. This lack of transparency prevents lawful consumer review and correction. \n\n\n\nAdvertising & Approval Expectations Under XXXX XXXX. XXXX, creditors are prohibited from misleading representations related to down payments or approval expectations. \n\nI relied on Capital Ones representations regarding eligibility and approval criteria. The denial appears inconsistent with those representations, raising concerns of misleading or incomplete disclosures during the application process. \n\n\n\nData Accuracy & Original Creditor Accountability Capital XXXX acted as the original creditor in this transaction and therefore bears full responsibility for ensuring that all data used was accurate, current, and verifiable, as required under the FCRA and privacy laws. \n\nXXXX XXXX did not adequately confirm the accuracy or source integrity of the data relied upon in making this decision. \n\n\n\nFailure to Provide Meaningful Reconsideration Despite requesting clarification and review, Capital One failed to offer a genuine manual reconsideration or provide lawful guidance on steps that could render the application approvable, effectively denying procedural fairness.","date_sent_to_company":"2025-12-28T22:37:49.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"302XX","tags":null,"has_narrative":true,"complaint_id":"18331608","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-12-28T22:31:18.000Z","state":"GA","company_public_response":null,"sub_issue":"Credit denial"},"highlight":{"complaint_what_happened":["XXXX XXXX & <em>Risk-Based</em> Pricing Concerns Under XXXX XXXX. XXXX ( Truth in Lending Act ), creditors must properly determine and disclose how finance charges, XXXX assumptions, and <em>risk-based</em> pricing criteria are evaluated. \n\nXXXX XXXX did not explain whether undisclosed finance charge assumptions, internal pricing tiers, or <em>risk-based</em> criteria influenced the denial. This lack of transparency prevents lawful consumer review and correction. \n\n\n\nAdvertising & Approval Expectations Under XXXX XXXX."]},"sort":[20.353231,"18331608"]},{"_index":"complaint-public-v1","_id":"19386321","_score":19.88276,"_source":{"product":"Checking or savings account","complaint_what_happened":"PayPal permanently limited my account and is holding {$94.00} for 180 days. I accept the account limitation and am not requesting reinstatement. \n\nThere are no disputes, chargebacks, or claims associated with this balance. Despite repeated requests, PayPal has refused to escalate my request for early release to the XXXX team or provide a risk-based explanation specific to my account. \n\nThe amount is under {$100.00} and the hold is causing financial hardship. I am requesting early release of the funds or written confirmation that the XXXX team has reviewed and justified this hold.","date_sent_to_company":"2026-02-10T16:00:34.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"18411","tags":null,"has_narrative":true,"complaint_id":"19386321","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-02-10T15:42:19.000Z","state":"PA","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["Despite repeated requests, PayPal has refused to escalate my request for early release to the XXXX team or provide a <em>risk-based</em> explanation specific to my account. \n\nThe amount is under {$100.00} and the hold is causing financial hardship. I am requesting early release of the funds or written confirmation that the XXXX team has reviewed and justified this hold."]},"sort":[19.88276,"19386321"]},{"_index":"complaint-public-v1","_id":"22214577","_score":19.752306,"_source":{"product":"Checking or savings account","complaint_what_happened":"Per FDIC : \" XXXX XXXX, which implements the USA PATRIOT Act, requires each bank to adopt and implement risk-based Customer Due Diligence policies, procedures, and processes for all customers, including understanding the types of transactions in which a customer is likely to engage. As part of those procedures, each bank should review customers and their transactions at account opening and more frequently throughout the relationship, including source of funds and transaction patterns. The account monitoring helps to mitigate the banks compliance risks and assists in identifying unusual or potential suspicious transactions. '' if each bank should do it per FDIC, then if XXXX XXXX  is doing jut that another bank can not declare it \" unusual activity '' and apply any restrictions because of it.","date_sent_to_company":"2026-05-14T19:46:26.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"90046","tags":null,"has_narrative":true,"complaint_id":"22214577","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MORGAN STANLEY & CO. LLC","date_received":"2026-05-14T19:40:58.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["Per FDIC : \" XXXX XXXX, which implements the USA PATRIOT Act, requires each bank to adopt and implement <em>risk-based</em> Customer Due Diligence policies, procedures, and processes for all customers, including understanding the types of transactions in which a customer is likely to engage. As part of those procedures, each bank should review customers and their transactions at account opening and more frequently throughout the relationship, including source of funds and transaction patterns."]},"sort":[19.752306,"22214577"]},{"_index":"complaint-public-v1","_id":"20963183","_score":19.46831,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I am filing this formal complaint against JPMorgan Chase Bank , N.A . ( JPMCB ) and XXXX  XXXX of XXXX for severe violations of the Fair Credit Reporting Act ( FCRA ), the Risk-Based Pricing Rule ( XXXX U.S.C. XXXX ( h ) ), and deceptive debt collection practices. \n\nOn XX/XX/XXXX, I executed a retail installment contract with XXXX XXXX. XXXX  XXXX unlawfully pulled my credit without providing the mandatory Risk-Based Pricing Notice or obtaining my signature on the XXXX XXXX XXXX XXXX XXXX direct violation of federal law. \n\nThe contract was assigned to JPMCB. When I tendered a valid negotiable instrument ( a bill of exchange ) to settle the account, JPMCB acknowledged receipt in writing on XX/XX/XXXX, stating they were returning it to me. They never returned it. Instead, they retained the instrument, refused to credit the account, and maliciously reported \" First payment never received '' to XXXX, XXXX, and XXXX, devastating my credit score. \n\nFurthermore, JPMCB issued a fraudulent IRS Form XXXX for the XXXX tax year using Event Code \" XXXX '' and falsely reporting the Fair Market Value of the vehicle as \" {$0.00}, '' despite the vehicle remaining fully intact and in my possession. This constitutes tax fraud and a deceptive collection tactic. \n\nI have formally filed for arbitration with the XXXX ( Case No. XXXX ) but am requesting the CFPB investigate these systemic FCRA and TILA violations immediately.","date_sent_to_company":"2026-04-06T01:27:43.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"92028","tags":null,"has_narrative":true,"complaint_id":"20963183","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-04-05T23:25:55.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem with paying off the loan"},"highlight":{"complaint_what_happened":["I am filing this formal complaint against JPMorgan Chase Bank , N.A . ( JPMCB ) and XXXX  XXXX of XXXX for severe violations of the Fair Credit Reporting Act ( FCRA ), the <em>Risk-Based</em> Pricing Rule ( XXXX U.S.C. XXXX ( h ) ), and deceptive debt collection practices. \n\nOn XX/XX/XXXX, I executed a retail installment contract with XXXX XXXX."]},"sort":[19.46831,"20963183"]},{"_index":"complaint-public-v1","_id":"18914867","_score":19.25102,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/XXXX, I made a purchase from XXXX XXXX totaling {$1900.00}. I made this purchase specifically because of a prominently advertised 22 % cash-back reward offer through PayPal, which has a value of {$420.00}. At the time of checkout, the PayPal interface explicitly showed the \" 22 % cash back '' tracking was active and applied to this order. \n\nTimeline of Events : XX/XX/XXXXXXXX   : Completed the purchase. No points appeared as \" pending '' despite the active tracking shown during checkout. \n\nXX/XX/XXXXXXXX  : After I contacted support, I received an email from the company confirming a known \" root cause '' technical issue with the 22 % XXXX XXXX offer. The company explicitly instructed me to \" take no further action '' and assured me that qualifying points would be automatically credited once resolved. \n\nXX/XX/XXXXXXXX  : The company sent a follow-up email reversing their position. They denied the rewards entirely, citing a vague \" risk-based approach '' and \" atypical usage. '' The company 's \" risk-based '' denial directly contradicts their earlier written admission of a technical error. Furthermore, because I relied on the company 's XX/XX/XXXX instruction to \" take no further action '' while they \" resolved '' the issue, I am now long past the merchant 's return window. I am now stuck with a high-value purchase that I would not have made without the promised 22 % incentive. \n\nThis is a \" bait-and-switch '' practice where a promotional offer was used to induce a large transaction, only to be denied through vague, non-specific terms after it was too late for me to return the product.","date_sent_to_company":"2026-01-22T06:25:51.000Z","issue":"Overdraft, savings, or rewards features","sub_product":"Mobile or digital wallet","zip_code":"324XX","tags":null,"has_narrative":true,"complaint_id":"18914867","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-01-22T06:04:07.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["They denied the rewards entirely, citing a vague \" <em>risk-based</em> approach '' and \" atypical usage. '' The company 's \" <em>risk-based</em> '' denial directly contradicts their earlier written admission of a technical error. Furthermore, because I relied on the company 's XX/XX/XXXX instruction to \" take no further action '' while they \" resolved '' the issue, I am now long past the merchant 's return window."]},"sort":[19.25102,"18914867"]},{"_index":"complaint-public-v1","_id":"2729011","_score":18.85269,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I applied and was approved for two credit cards with chase. 1. A Chase XXXX XXXX XXXX 2. Chase XXXX XXXX XXXX. The first was applied for and approved on XX/XX/XXXX and the second was applied for and approved on XX/XX/XXXX. I  informed Chase that I would be traveling in XXXX from XX/XX/XXXX to XX/XX/XXXX.  I was offered rush delivery in the XXXX XXXX and was delivered to me before my departure date. On XX/XX/XXXX I received a message that my chase card had been removed from XXXX XXXX. I then logged in and found that both accounts had been closed despite me being on travel. I called Chase and was told that the risk analysis department had closed my accounts without any warning. I had not used more than 15 % of my total available credit and was mostly on food and travel. I was also charged the {$450.00} annual fee and had the card less than 10 days.","date_sent_to_company":"2017-11-14T16:37:16.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"10128","tags":null,"has_narrative":true,"complaint_id":"2729011","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2017-11-14T16:15:51.000Z","state":"NY","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I called Chase and was told that the <em>risk</em> <em>analysis</em> department had closed my accounts without any warning. I had not used more than 15 % of my total available credit and was mostly on <em>food</em> and travel. I was also charged the {$450.00} annual fee and had the card less than 10 days."]},"sort":[18.85269,"2729011"]},{"_index":"complaint-public-v1","_id":"21400148","_score":18.73913,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"am filing this formal complaint against PayPal for an unjustified XXXX hold on {$680.00}. On XXXX XXXX, 2026, I sold a used XXXX XXXX camera lens for {$700.00} to a local buyer. We met in person at a XXXX in XXXX XXXX, CO, to complete the sale. \nThe buyer mistakenly used 'Goods & Services. ' Because it was an in-person transaction, there is no shipping tracking number to provide. However, the buyer has already officially clicked 'Confirm Receipt ' in the PayPal system, verifying they have the item and the transaction is complete. \nPayPal has permanently limited my account and is refusing to release my funds until XXXX XXXX, 2026. I have provided chat logs showing the coordination of the meeting, the XXXX XXXX listing, and a screenshot of the buyers confirmation. Since the buyer has already confirmed delivery, there is zero risk of a dispute. PayPal is essentially holding my money for XXXX months without any legal or risk-based justification.","date_sent_to_company":"2026-04-20T15:15:51.000Z","issue":"Trouble accessing funds in your mobile or digital wallet","sub_product":"Mobile or digital wallet","zip_code":"80012","tags":null,"has_narrative":true,"complaint_id":"21400148","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-04-20T14:59:32.000Z","state":"CO","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Since the buyer has already confirmed delivery, there is zero <em>risk</em> of a dispute. PayPal is essentially holding my money for XXXX months without any legal or <em>risk-based</em> justification."]},"sort":[18.73913,"21400148"]},{"_index":"complaint-public-v1","_id":"6348271","_score":18.590738,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I would like to draw your attention to XX/XX/2022. I had sent my complaint letter to Binance, in which I clearly stated how this scam has affected me XXXX XXXX XXXX XXXX. \n\nCommencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX removal which involved me making deposits for a total amount of XXXX XXXX from my XXXX XXXX  to Binance at the instructions of the scammers. \n\nIn this case, it is perfectly obvious that Binance could have, and should have, utilised various risk-based examination procedures and techniques, all of which are within their purview and legal obligation, and could have entirely prevented this disastrous outcome.","date_sent_to_company":"2022-12-21T19:00:28.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"6348271","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BAM Management US Holdings Inc.","date_received":"2022-12-21T18:53:42.000Z","state":null,"company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["In this case, it is perfectly obvious that Binance could have, and should have, utilised various <em>risk-based</em> examination procedures and techniques, all of which are within their purview and legal obligation, and could have entirely prevented this disastrous outcome."]},"sort":[18.590738,"6348271"]},{"_index":"complaint-public-v1","_id":"2802697","_score":18.352224,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Fraudulent loans!\n\nSantander targets a population of people with poor credit approves them for very high interest loans that they know will soon default ruins their credit and put judgments against individuals to repossess property Santander targets a specific population and make fraudulent loans for used vehicles Santander is in urban areas and prey on vulnerable people.\n\nSantander has a history of Inadequate or false disclosure Risk-based pricing Inflated fees and charges Reverse Redlining And has had class action lawsuits. Santander is in house financing company that is illegally approving loans as well as falsifying figures to approve loans under the pretense of future default. Santander is housed in car dealerships that close and change names due to unlawful/illegal activity and bad reviews.","date_sent_to_company":"2018-02-03T06:52:43.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"53202","tags":null,"has_narrative":true,"complaint_id":"2802697","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Santander Consumer USA Holdings Inc.","date_received":"2018-02-03T06:33:36.000Z","state":"WI","company_public_response":null,"sub_issue":"Fraudulent loan"},"highlight":{"complaint_what_happened":["Santander has a history of Inadequate or false disclosure <em>Risk-based</em> pricing Inflated fees and charges Reverse Redlining And has had class action lawsuits. Santander is in house financing company that is illegally approving loans as well as falsifying figures to approve loans under the pretense of future default. Santander is housed in car dealerships that close and change names due to unlawful/illegal activity and bad reviews."]},"sort":[18.352224,"2802697"]},{"_index":"complaint-public-v1","_id":"16749904","_score":17.850115,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am a Frost Bank customer and had an account that was closed without warning after I filed a legitimate fraud dispute. My authorized user lost her debit card, and someone made unauthorized transactions using that card. I immediately reported the fraudulent activity to Frost Bank and filed a dispute, as I am entitled to do under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.\n\nInstead of assisting with the fraud investigation, Frost Bank chose to close my account entirely. I was not responsible for the fraudulent activity, and I took prompt action to protect my account. The closure appears to be a risk-based decision, but no valid reason has been provided to me. \n\nThis decision has caused financial hardship and reputational harm, as I now risk being reported to XXXX XXXX XXXX XXXX XXXX  even though I was the victim of fraud not the cause. \n\nI have requested a written explanation from Frost Bank but have not received a satisfactory response.","date_sent_to_company":"2025-10-22T19:16:23.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"352XX","tags":"Servicemember","has_narrative":true,"complaint_id":"16749904","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CULLEN/FROST BANKERS, INC.","date_received":"2025-10-22T19:13:37.000Z","state":"AL","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["The closure appears to be a <em>risk-based</em> decision, but no valid reason has been provided to me. \n\nThis decision has caused financial hardship and reputational harm, as I now <em>risk</em> being reported to XXXX XXXX XXXX XXXX XXXX  even though I was the victim of fraud not the cause. \n\nI have requested a written explanation from Frost Bank but have not received a satisfactory response."]},"sort":[17.850115,"16749904"]},{"_index":"complaint-public-v1","_id":"18384341","_score":17.782797,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"PayPal is unlawfully withholding {$16000.00} in non-commercial government funds issued by the California State Disbursement Unit ( CASDU ). These funds are protected child support disbursements. PayPal restricted my account and locked my access prior to the submission of any identity verification documents or the completion of the required Customer Identification Program ( CIP ). According to PayPals own Balance Terms and Conditions, specifically sections 1.1 and 1.3, an account is not fully established until this process is finalized. By blocking the verification process before it could even begin, PayPal prevented the formation of a binding User Agreement. PayPal is now attempting to enforce a XXXX security hold based on a contract that was never legally finalized. Furthermore, PayPal has refused to return the funds to the state agency via an XXXX XXXX ( XXXX XXXX ). Because these are government-issued child support funds, there is no commercial risk or possibility of a consumer chargeback. PayPal is seizing government property without a valid contractual or risk-based justification.","date_sent_to_company":"2025-12-30T23:34:12.000Z","issue":"Trouble accessing funds in your mobile or digital wallet","sub_product":"Mobile or digital wallet","zip_code":"95670","tags":null,"has_narrative":true,"complaint_id":"18384341","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-12-30T23:21:44.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Because these are government-issued child support funds, there is no commercial <em>risk</em> or possibility of a consumer chargeback. PayPal is seizing government property without a valid contractual or <em>risk-based</em> justification."]},"sort":[17.782797,"18384341"]},{"_index":"complaint-public-v1","_id":"14674687","_score":17.652456,"_source":{"product":"Checking or savings account","complaint_what_happened":"I deposited a check via Chimes mobile app on XX/XX/year>, for {$1200.00}. Despite the check being accepted and verified, I was told the funds would not be available until XX/XX/XXXX at XXXX XXXXthe very last minute of the XXXX business day. \n\nI reached out multiple times asking for clarification, and Chime repeatedly responded with vague answers such as risk-based factors without providing any specifics or a valid reason for the delay. \n\nThis delay disrupted my financial plans, and I was given no clear justification for the hold despite having a clean account history. Chime also refused to escalate or expedite the release of my funds. \n\nIm filing this complaint because Chime has offered no transparency or accountability, and I want this issue documented and reviewed to prevent it from happening to others.","date_sent_to_company":"2025-07-15T23:26:29.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"90805","tags":null,"has_narrative":true,"complaint_id":"14674687","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-07-15T23:21:21.000Z","state":"CA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I reached out multiple times asking for clarification, and Chime repeatedly responded with vague answers such as <em>risk-based</em> factors without providing any specifics or a valid reason for the delay. \n\nThis delay disrupted my financial plans, and I was given no clear justification for the hold despite having a clean account history. Chime also refused to escalate or expedite the release of my funds."]},"sort":[17.652456,"14674687"]},{"_index":"complaint-public-v1","_id":"19798597","_score":17.529684,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I am filing this complaint regarding PayPals failure to honor the advertised 20 % back promotion for purchases made using PayPal Pay in XXXX. \n\nDuring the promotional period ( XXXX ), I made qualifying purchases using PayPal Pay in XXXX in reliance on the stated promotional terms. Despite repeated assurances from PayPal representatives that rewards points were pending and would be credited, PayPal ultimately refused to issue the rewards without providing a valid contractual basis for denial. \n\nThere are two transactions at issue : XXXX. XXXX Purchase 20 % Back Promotion ( XXXX points ) On XX/XX/year>, I made a purchase at XXXX using PayPal Pay in XXXX. The original total was {$97.00}. Shortly after checkout, the merchant applied a price adjustment ( price match ), resulting in a final processed amount of {$84.00}. \n\nKey facts : The purchase was completed using PayPal Pay in XXXX only. \nThe XXXX installments were successfully processed. \nThe order was delivered on XX/XX/year>. \nMultiple PayPal representatives confirmed that XXXX points were pending and would be credited by XX/XX/year>. \nThe promotion terms do not state that a post-purchase merchant price adjustment renders a transaction ineligible. \nThe terms expressly contemplate that payments may change based on shipping, taxes, updates to your purchase Despite these facts, PayPal later denied the rewards, first stating that the transaction did not fully complete, and then later citing a vague risk-based approach and program integrity rationale without identifying any specific violation of the promotion terms. \n\nThis reasoning is inconsistent with : a ) The written promotion terms. \nb ) The assurances provided by PayPal representatives. \nc ) The fact that the transaction was completed and delivered. \nHad I been informed that a merchant-initiated price adjustment would void eligibility, I would not have used PayPal Pay XXXX XXXX for this transaction. \n\n\nXXXX. XXXX XXXX XXXX XXXX XXXX XXXX Points On XX/XX/year>, I purchased XXXX Visa gift cards using PayPal Pay in XXXX during the same 20 % back promotion. The transaction generated XXXX pending points, which PayPal representatives acknowledged. \n\nI understand that the promotion terms exclude stored value cards. However, I purchased XXXX gift card ( a debit network-branded card ), not a closed-loop stored-value card. \n\nA stored-value card typically refers to closed-loop cards where value is stored on the card itself and redeemable only at specific merchants. In contrast : A XXXX gift card operates on the XXXX debit network. \nFunds are processed through a financial payment network. \nIt is not limited to a single merchant. \nIt functions similarly to a prepaid debit card. \n\nPayPal never cited the specific contractual provision explaining why this XXXX gift card purchase was ineligible. Instead, they provided a generalized statement about a risk-based approach. \n\nFurthermore : The purchase was non-refundable. \nI relied on the 20 % back promotion when deciding to complete the transaction. \nPayPal initially represented that points were pending. \n\n\nPattern of Inconsistent and Vague Responses Over the course of multiple communications : I was told the points were pending. \nI was told they would post by a specific date. \nI was later told the transaction was ineligible due to partial completion. \nI was ultimately told that points were withheld due to a risk-based approach. \n\nAt no time did PayPal clearly identify a specific, applicable promotional term that disqualified my transactions. \n\nThis shifting justification, combined with prior assurances that rewards were pending, is unfair and misleading.","date_sent_to_company":"2026-02-26T04:59:24.000Z","issue":"Getting the loan","sub_product":"Installment loan","zip_code":"11357","tags":null,"has_narrative":true,"complaint_id":"19798597","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-02-26T04:28:28.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I was ultimately told that points were withheld due to a <em>risk-based</em> approach. \n\nAt no time did PayPal clearly identify a specific, applicable promotional term that disqualified my transactions. \n\nThis shifting justification, combined with prior assurances that rewards were pending, is unfair and misleading."]},"sort":[17.529684,"19798597"]},{"_index":"complaint-public-v1","_id":"18702034","_score":17.103966,"_source":{"product":"Checking or savings account","complaint_what_happened":"I submit this complaint concerning TD Banks XXXX, New York branch and its refusal to open a consumer bank account based on my address information. \nOn or about Friday, XX/XX/year> I appeared in person at TD Banks XXXX branch seeking to open a standard consumer deposit account. \n\nXXXX personnel declined to process my application, stating that because I utilize a P.O. Box for mail and because a XXXX address appears on my identification, the account could not be opened at that location and that I would need to go back to XXXX XXXX XXXXXXXX to do so. \n\nNo individualized inquiry was made regarding my identity verification, banking history, creditworthiness, or risk profile. No compliance-based justification was explained. The refusal was categorical and based solely on geographic considerations. \nI am concerned that this practice improperly restricts access to banking services based on perceived residency rather than legitimate regulatory or risk-based criteria. I respectfully request that TD Bank be required to provide a written explanation identifying the specific policy relied upon, whether that policy is branch-specific or institution-wide, and how it complies with applicable federal consumer protection requirements. \n\nThank you for your attention to this matter.","date_sent_to_company":"2026-01-20T21:48:11.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"18702034","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2026-01-14T01:01:36.000Z","state":"NY","company_public_response":null,"sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["No individualized inquiry was made regarding my identity verification, banking history, creditworthiness, or <em>risk</em> profile. No compliance-based justification was explained. The refusal was categorical and based solely on geographic considerations. \nI am concerned that this practice improperly restricts access to banking services based on perceived residency rather than legitimate regulatory or <em>risk-based</em> criteria."]},"sort":[17.103966,"18702034"]},{"_index":"complaint-public-v1","_id":"21168385","_score":16.953356,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing this complaint regarding PayPals continued restriction of my account and withholding of funds in a manner that appears inconsistent with its own User Agreement and stated policies. \n\nAt the time of restriction, my account reflected approximately {$18000.00} in my PayPal personal balance and approximately {$9300.00} in PayPal Savings. Currently, my PayPal balance reflects {$16000.00}, with {$9300.00} still held in PayPal Savings.\n\nThese funds include legitimate income, including proceeds originating from an IRS tax refund. \n\nIn early XX/XX/year>, I received multiple payments from a single sender over a short period of time. Beginning in XX/XX/year>, multiple disputes and chargebacks were initiated, all tied to this same sender. The total dispute exposure is estimated to be in the range of approximately {$3000.00} to {$3500.00}. \n\nDespite this, PayPal applied a blanket restriction across my entire account and all funds.\n\nAccording to PayPals User Agreement, limitations and reserves may be applied to protect PayPal and the network and may be based on anticipated risk or liability. The agreement also indicates that funds not subject to restriction or reserve should remain available for withdrawal. \n\nHowever, in my case : - The identified risk is limited to a defined set of transactions tied to a single sender - The total exposure is approximately {$3000.00} to {$3500.00} - PayPal is currently withholding over {$16000.00} in PayPal balance, in addition to {$9300.00} in PayPal Savings This appears disproportionate to any reasonable or anticipated liability.\n\nAdditionally, PayPals agreement references the use of funds as a reserve or security for potential liabilities. However, the amount currently being withheld significantly\nexceeds any known or reasonably anticipated chargeback exposure.\n\nIf PayPal is relying on a risk-based or protective justification, I request a clear explanation of how holding funds far exceeding the actual dispute amount is necessary to protect PayPal or its network.\n\nFurthermore, PayPal has not provided : - A transaction-level explanation of the restriction - An itemized breakdown of disputed transactions- Clear identification of which funds are considered restricted versus unrestricted Without this transparency, it is not possible to determine whether PayPal is applying its policies in a reasonable and consistent manner.\n\nAdditionally, the pattern of disputes originating from a single sender within a defined timeframe suggests potential unauthorized use or abuse of the dispute system. Under a reasonable risk-based framework, this should have triggered a targeted fraud investigation into the source of the transactions, rather than a blanket restriction of unrelated funds.\n\nPayPal performs functions similar to a financial institution, including holding customer funds, accepting direct deposits, and receiving tax refunds. As such, it should be held to reasonable standards of fairness, proportionality, and transparency in how it applies restrictions to customer funds.\n\nBased on the above, PayPals actions appear : - Disproportionate relative to the identified risk - Inconsistent with its stated purpose of applying limitations for protection - Lacking sufficient transparency and justification I am requesting : 1. Immediate release of all funds not directly tied to disputed transactions 2. A complete itemized breakdown of all disputed transactions and associated amounts 3. A clear written explanation of the basis for any continued restriction 4. Clarification of how PayPal determined the amount of funds being held as a reserve 5. Review and removal of any improper dispute-related fees","date_sent_to_company":"2026-04-12T04:56:12.000Z","issue":"Trouble accessing funds in your mobile or digital wallet","sub_product":"Mobile or digital wallet","zip_code":"28217","tags":null,"has_narrative":true,"complaint_id":"21168385","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-04-12T04:36:34.000Z","state":"NC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["If PayPal is relying on a <em>risk-based</em> or protective justification, I request a clear explanation of how holding funds far exceeding the actual dispute amount is necessary to protect PayPal or its network."]},"sort":[16.953356,"21168385"]},{"_index":"complaint-public-v1","_id":"4269940","_score":16.927591,"_source":{"product":"Mortgage","complaint_what_happened":"Hi, on XX/XX/2021 Carringtom mortgage services LLC informed me about the quote of new home Insurance, and the new mortgage analysis of $ XXXX, they told me that the old Insurance went up, so I called them back to remind Carringtom that I have 30 days to keep the old home Insurance or if I get a new one, on XX/XX/2021 I informed Carringtom that I changed the new XXXX XXXX, so they fixed and informed the new analysis of $ XXXX, so on XX/XX/2021 Carringtom change the mortgage house payment again they increase the analysis to {$400.00}, this time Carringtom says that because the house is in flood risk, after I investigate on FEMA web site ( Documents attached ), my home address is NOT in flood risk area, XXXX XXXX  XXXX XXXX Tx. XXXX. Since XXXX mortgage  bank transfer the loan to Carringtom, I have to file a complaint against this company, and on 2021, on CFPB I already filed 3 complaints against Carringtom, last complaint # : is : XXXX. \nI'm XXXX  and tired of this mortgage company,","date_sent_to_company":"2021-04-07T19:25:12.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"752XX","tags":null,"has_narrative":true,"complaint_id":"4269940","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CARRINGTON MORTGAGE SERVICES, LLC","date_received":"2021-04-03T11:56:51.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["increase the <em>analysis</em> to {$400.00}, this time Carringtom says that because the house is in flood <em>risk</em>, after I investigate on FEMA web site ( Documents attached ), my home address is NOT in flood <em>risk</em> area, XXXX XXXX  XXXX XXXX Tx."]},"sort":[16.927591,"4269940"]},{"_index":"complaint-public-v1","_id":"19579276","_score":16.924261,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"PayPal offered a promotion advertising 20 % cashback on all purchases up to {$250.00}, which influenced me to make XXXX Buy Now, Pay Later transactions during the promotional period. I made these purchases from XX/XX/year> to XX/XX/year>, totaling {$1200.00}. After the promotion ended, PayPal initially stated the cashback would only apply to XXXX transaction, and now they are refusing to issue any rewards at all, claiming my activity was flagged under a vague risk-based approach. They have not identified any specific violation of the Rewards Program Agreement or Acceptable Use Policy, nor have they provided documentation showing that I was ineligible. My purchases were legitimate and made in good faith reliance on the promotion as presented to me. I am concerned that PayPal is retroactively denying earned rewards without clear justification or notice.","date_sent_to_company":"2026-02-18T04:42:52.000Z","issue":"Confusing or misleading advertising or marketing","sub_product":"Mobile or digital wallet","zip_code":"20010","tags":null,"has_narrative":true,"complaint_id":"19579276","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-02-18T04:21:27.000Z","state":"DC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["After the promotion ended, PayPal initially stated the cashback would only apply to XXXX transaction, and now they are refusing to issue any rewards at all, claiming my activity was flagged under a vague <em>risk-based</em> approach. They have not identified any specific violation of the Rewards Program Agreement or Acceptable Use Policy, nor have they provided documentation showing that I was ineligible. My purchases were legitimate and made in good faith reliance on the promotion as presented to me."]},"sort":[16.924261,"19579276"]},{"_index":"complaint-public-v1","_id":"9019814","_score":16.707157,"_source":{"product":"Checking or savings account","complaint_what_happened":"I requested a refund due to receiving spoiled food that posed a safety risk. After just one bite, it was evident that the food was spoiled, making it inedible. Unfortunately, my children experienced stomach problems and vomiting for days after consuming it. Despite multiple attempts to contact the merchant and resolve the issue, I was not received automatic response saying it had to be resolved by the store because it was purchased through a 3rd party. No one has solved my issue. The bank refused to refund the {$86.00} spent on the spoiled food. This situation not only resulted in wasted money but also left my children hungry and unable to eat.","date_sent_to_company":"2024-05-15T18:43:34.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"32209","tags":null,"has_narrative":true,"complaint_id":"9019814","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2024-05-15T18:26:05.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I requested a refund due to receiving spoiled <em>food</em> that posed a safety <em>risk</em>. After just one bite, it was evident that the <em>food</em> was spoiled, making it inedible. Unfortunately, my children experienced stomach problems and vomiting for days after consuming it. Despite multiple attempts to contact the merchant and resolve the issue, I was not received automatic response saying it had to be resolved by the store because it was purchased through a 3rd party. No one has solved my issue."]},"sort":[16.707157,"9019814"]},{"_index":"complaint-public-v1","_id":"19051545","_score":16.580866,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am a small business owner filing a complaint regarding repeated wire rejections and account restrictions on my business deposit account that I believe constitute unfair treatment and potential XXXX profiling. \n\nOn two separate occasions, my account was restricted shortly after I conducted in-person branch visits. The first incident occurred after a visit to the banks XXXX, Arizona branch. Following this visit, a routine XXXX  business wire was rejected based on an incorrect assumption that the funds were related to gambling activity. This assumption was false. The funds were used for legitimate business purposes, and the amount was subsequently repaid approximately one month later. No gambling or unlawful activity occurred.\n\nThe second incident occurred after a later in-person visit to the banks XXXX, Arizona branch . Once again, shortly after the branch interaction, a routine XXXX  business-to-business wire transfer was rejected and my account was restricted. \n\nIn both cases, the adverse account actions occurred only after in-person interactions and were not supported by clear, objective explanations or documented risk criteria. This pattern raises serious concerns that subjective judgment or profiling influenced how my account was handled rather than a neutral, risk-based review. \n\nI have also experienced a lack of meaningful communication. My attempts to obtain clear explanations have been met with generic, scripted responses that do not address the specific facts of my situation. \n\nI am requesting CFPB review to determine whether the banks actions constitute unfair banking practices, disparate treatment, or improper use of branch-level discretion in business account risk decisions.","date_sent_to_company":"2026-01-27T21:42:45.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"85226","tags":null,"has_narrative":true,"complaint_id":"19051545","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WAFD BANK","date_received":"2026-01-27T21:37:45.000Z","state":"AZ","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["In both cases, the adverse account actions occurred only after in-person interactions and were not supported by clear, objective explanations or documented <em>risk</em> criteria. This pattern raises serious concerns that subjective judgment or profiling influenced how my account was handled rather than a neutral, <em>risk-based</em> review. \n\nI have also experienced a lack of meaningful communication."]},"sort":[16.580866,"19051545"]},{"_index":"complaint-public-v1","_id":"18896234","_score":16.4221,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Description of XXXX : I am filing this complaint because PayPal/XXXX has XXXX to honor a promised XXXX XXXX cash back reward ( {$240.00} value ) for a transaction totaling {$1200.00} made on XX/XX/XXXX. Despite meeting all promotional criteria and receiving written confirmation from a supervisor that the rewards were valid and would be credited, the company issued a sudden denial on XX/XX/XXXX. \n\nXXXX of Events : - XX/XX/XXXX : Activated the XXXX in XXXX PayPal Offer for XXXX XXXX cash back reward on transactions up to {$1200.00}. \n- XX/XX/XXXX : Completed qualifying purchase of {$1200.00} after saving the XXXX XXXX \" Pay Later '' offer. \n- XX/XX/XXXX : Contacted support ; representatives confirmed the offer was activated ( XX/XX/XXXX ), the purchase was qualifying ( XX/XX/XXXX ), and that XXXX points were pending. \nXX/XX/XXXX, & XX/XX/XXXX : Made multiple follow-up calls where staff repeatedly confirmed the transaction met all requirements and re-escalated the issue. \n- XX/XX/XXXX : Received an email from [ Supervisor Name ] ( Supervisor, PayPal XXXX XXXX XXXX ) : \" This is [ Name ] supervisor from PayPal XXXX [ Rewards ] Team. Please accept my apologies for the delay in getting back to you ; our team has been handling an unusually high volume of inquiries over the recent peak shopping period. \nThis is to confirm that the transaction for {$1200.00} made on XX/XX/XXXX has been reviewed and passed to our backend team to be corrected. At the moment, no rewards have been applied, and there may be some delay in resolving this due to the holiday period, so please allow us a little more time to sort this out. \nThank you for your patience and for being a valued customer. '' - XX/XX/XXXX : Received a denial email citing a \" risk-based approach '' The Issue : The company is using a vague \" risk-based '' excuse to avoid paying out a significant reward that their own team already verified. The company 's sudden reversal on XX/XX/XXXX, after sixty days of written and verbal confirmations from their team, constitutes a failure to honor advertised promotional terms.","date_sent_to_company":"2026-01-21T18:22:13.000Z","issue":"Overdraft, savings, or rewards features","sub_product":"Mobile or digital wallet","zip_code":"92804","tags":null,"has_narrative":true,"complaint_id":"18896234","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-01-21T17:43:12.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Thank you for your patience and for being a valued customer. '' - XX/XX/XXXX : Received a denial email citing a \" <em>risk-based</em> approach '' The Issue : The company is using a vague \" <em>risk-based</em> '' excuse to avoid paying out a significant reward that their own team already verified. The company 's sudden reversal on XX/XX/XXXX, after sixty days of written and verbal confirmations from their team, constitutes a failure to honor advertised promotional terms."]},"sort":[16.4221,"18896234"]},{"_index":"complaint-public-v1","_id":"5017376","_score":16.36416,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/XXXX i opened up my paypal account. to date ive had no red flags issues discrepancies with my account its XXXX. \n\nAccording to Paypal there was a high level of risk associated with your Account. Specifically, between XX/XX/XXXX and XX/XX/XXXX, we found you had a dispute rate of 11.88 % and filed excessive claims against a food delivery merchant, XXXX XXXX So 88 percent of all transactions were okay and since i had an issue with food quality and service paypal has deemed my account a high risk and closed it without warning on top of that they are currently with holding a refund from me for XXXX that i still have not received at the end of the day paypal is the party that makes ultimately the decision to approve or deny any claims regarding purchase protection. I just give the reasonings to why i was dissatisfied","date_sent_to_company":"2021-12-17T06:59:32.000Z","issue":"Managing, opening, or closing your mobile wallet account","sub_product":"Mobile or digital wallet","zip_code":"17112","tags":null,"has_narrative":true,"complaint_id":"5017376","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2021-12-17T01:53:36.000Z","state":"PA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["According to Paypal there was a high level of <em>risk</em> associated with your Account."]},"sort":[16.36416,"5017376"]},{"_index":"complaint-public-v1","_id":"19103620","_score":16.323816,"_source":{"product":"Credit card","complaint_what_happened":"Dear XXXX XXXX XXXX, I am requesting assistance with a dispute involving both XXXX, XXXX and my card issuer, Current Bank. \n\nOn XX/XX/year>, I placed a food delivery order through XXXX totaling {$73.00}. The order was delivered completely cold and the food bag was not sealed, creating a food safety concern and raising the risk of tampering or contamination. \n\nI contacted XXXX immediately to request a refund or credit. XXXX refused to provide compensation and closed the request without escalation, despite the unsafe delivery conditions. \n\nI then disputed the charge with my card issuer, Current Bank, for services not rendered in a safe or acceptable condition. Current Bank denied the dispute, relying solely on delivery confirmation and failing to consider the condition, safety, or quality of the food delivered. \n\nDelivery alone does not constitute proper service in a food delivery transaction. Both the merchant and the card issuer failed to address the food safety issue or provide a fair resolution. \n\nI am requesting the XXXX assistance in facilitating a review of this matter and helping obtain a refund or appropriate credit for services not rendered as promised. \n\nThank you for your time and assistance. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2026-01-29T16:36:50.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"75240","tags":null,"has_narrative":true,"complaint_id":"19103620","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FinCo Services Inc DBA Current","date_received":"2026-01-29T16:21:54.000Z","state":"TX","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I placed a <em>food</em> delivery order through XXXX totaling {$73.00}. The order was delivered completely cold and the <em>food</em> bag was not sealed, creating a <em>food</em> safety concern and raising the <em>risk</em> of tampering or contamination. \n\nI contacted XXXX immediately to request a refund or credit. XXXX refused to provide compensation and closed the request without escalation, despite the unsafe delivery conditions."]},"sort":[16.323816,"19103620"]},{"_index":"complaint-public-v1","_id":"14374525","_score":16.220678,"_source":{"product":"Credit card","complaint_what_happened":"I applied for the XXXX XXXX XXXX XXXX XXXX, issued by XXXX XXXX XXXX, and was auto-approvedbut only for a {$500.00} credit limit. This limit is completely disconnected from my financial profile. I have an Equifax XXXX score of XXXX ( verified by XXXX 's own communication with me ), annual income of {$480000.00}, and no revolving credit card debt. A {$500.00} limit is not only impractical for daily use, it also negatively affects my credit utilization ratio and is inconsistent with any standard risk-based underwriting model. \n\nImmediately upon seeing the approval, I called XXXX XXXX and explicitly requested a credit line increase, stating that {$500.00} is functionally unusable. I was told that the card was auto-approved at that amount and that a review could be initiated. The representative explained that XXXX algorithm looks at the limits of existing cards and that, because a few of my store cards have relatively low limits ( as store cards typically do ), the system defaulted to {$500.00}. This ignores the broader context of my profile and penalizes me for something irrelevant to actual risk. \n\nWith a FICO of XXXX, an income nearing half a XXXX dollars, no revolving debt, and a clean credit history, what exactly is the risk being priced in? There is no rational credit risk justification for assigning a {$500.00} limit to a borrower in this tier. If your models assess risk based primarily on existing limitsrather than on capacity to repay, income, or creditworthinessthen they are materially flawed. A single purchase on this card XXXX XXXX my utilization above 30 %, which would distort my credit metrics through no fault of my own. \n\nXXXX did not provide any transparent criteria or justification. There was no manual underwriting path offered. XXXX is lending its name to this card, but XXXX handling of approvals and credit limits reflects poorly on their brand. \n\nI am requesting a full investigation into this decision, including : A formal explanation of the credit model or criteria used to justify this limit ; A reassessment of my credit line based on real risk metrics, not static comparisons to unrelated low-limit accounts ; Disclosure of whether income data is incorporated meaningfully into Elans underwriting or simply collected without impact. \n\nThis decision is unjustifiable on the merits and appears to reflect systemic issues in XXXX risk modeling practices.","date_sent_to_company":"2025-06-30T16:44:23.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"27609","tags":null,"has_narrative":true,"complaint_id":"14374525","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2025-06-30T16:21:18.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company won't increase or decrease your credit limit"},"highlight":{"complaint_what_happened":["A {$500.00} limit is not only impractical for daily use, it also negatively affects my credit utilization ratio and is inconsistent with any standard <em>risk-based</em> underwriting model. \n\nImmediately upon seeing the approval, I called XXXX XXXX and explicitly requested a credit line increase, stating that {$500.00} is functionally unusable. I was told that the card was auto-approved at that amount and that a review could be initiated."]},"sort":[16.220678,"14374525"]},{"_index":"complaint-public-v1","_id":"2717256","_score":16.091228,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Penfed auto loans interest rates for Puerto Rico are higher than the rest of the nation. In their website they have below the rates table an statement excluding Puerto Rico from the table and when I called customer service they are .50 % higher than the ones showed. XXXX XXXX XXXX It is a discriminatory practice since I have a credit score of XXXX which I can be approved as another person from the mainland. I comply with the risk requirements involve in a repayment/risk analysis. It seems like a redline practice.","date_sent_to_company":"2017-10-31T22:58:27.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"00959","tags":null,"has_narrative":true,"complaint_id":"2717256","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PENTAGON FEDERAL CREDIT UNION","date_received":"2017-10-31T22:44:08.000Z","state":"PR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising or marketing"},"highlight":{"complaint_what_happened":["I comply with the <em>risk</em> requirements involve in a repayment/<em>risk</em> <em>analysis</em>. It seems like a redline practice."]},"sort":[16.091228,"2717256"]},{"_index":"complaint-public-v1","_id":"19937004","_score":16.060566,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Complaint Regarding PayPal Account Termination, Extended Withholding of Funds, and Potential Unfair, Deceptive, or Abusive Practices I am submitting this complaint concerning PayPals abrupt termination of my business account and its continued withholding of substantial business funds under circumstances that raise serious concerns regarding procedural fairness, transparency, and potential unfair or abusive practices under applicable consumer financial protection standards. \n\nDuring the XXXX  holiday season, my PayPal business account processed approximately {$1.00} XXXX in legitimate commercial transactions. Following an increase in chargebacks, I worked proactively and in good faith with PayPal to identify and resolve the underlying issue, which was traced primarily to a billing descriptor displaying the company name rather than the product name, causing customer recognition issues. \n\nI communicated extensively with my PayPal account representative, XXXX XXXX ( XXXX ), her supervisor, XXXX XXXX ( XXXX ), and PayPal Risk personnel. Throughout these discussions, I cooperated fully, implemented corrective measures, and reasonably relied on PayPals ongoing engagement as evidence that the account remained in good standing pending resolution. \n\nDespite this active cooperation, PayPal terminated my account without prior notice on XX/XX/XXXX, providing only vague and non-specific explanations that failed to identify any concrete contractual violation, risk threshold, or compliance failure. I was not provided meaningful notice, an opportunity to cure, or any form of graduated risk mitigation prior to termination. \n\nAt the time of closure, PayPal withheld approximately {$110000.00} in funds belonging to my business, representing proceeds from completed and fulfilled transactions. I was initially advised that I could request release of the funds after 30 days. However, upon follow-up at the 30-day mark, I was informedwithout individualized analysis or supporting documentationthat PayPal would instead impose a 180-day hold. \n\nPayPal has not provided a specific explanation demonstrating that this extended hold is reasonably related to actual loss exposure or ongoing dispute risk. The hold appears to be applied automatically rather than based on a proportional risk assessment. \n\nThese actions raise concerns including, but not limited to : Potential Unfair Acts or Practices ( UDAAP ) : Abrupt account termination and prolonged withholding of earned funds without transparency or procedural safeguards. \n\nLack of Material Disclosure : Failure to clearly disclose the standards or triggers used to justify account closure and extended reserves.\n\nAbusive Practices : Exercising unilateral control over essential operating funds in a manner that materially interferes with my ability to operate my business or protect my financial interests.\n\nDisproportionate Financial Restraint : Retaining a large percentage of operating capital absent demonstrated or quantified financial exposure. \n\nConstructive Possession of Merchant Funds : Continued retention of funds derived from completed transactions without timely reconciliation or narrowly tailored reserve calculations. \n\nThe financial impact has been severe and immediate. Because PayPal retained critical operating capital, I have been unable to pay suppliers for goods already delivered to customers and have been forced to lay off XXXX employees. The harm caused by the liquidity restriction is ongoing and disproportionate to any stated risk. \n\nGiven my cooperation, transaction history, and fulfillment of customer orders, PayPals actions appear punitive rather than protective in nature and lack reasonable proportionality. \n\nI respectfully request that the Consumer Financial Protection Bureau review this matter and that PayPal be required to : Provide a detailed, written explanation identifying the specific contractual or risk-based justification for account termination. \n\nProduce documentation demonstrating the necessity and calculation basis for the 180-day reserve period.\n\nConduct an immediate reassessment of the held funds based on actual outstanding dispute exposure. \n\nRelease the withheld funds promptly or implement a reasonable staged release aligned with verified risk exposure. \n\nAbsent a substantiated risk basis, continued retention of these funds constitutes an unreasonable restraint on earned business proceeds and creates substantial financial harm. \n\nI am seeking regulatory review to ensure compliance with fair financial practices, transparency obligations, and applicable consumer financial protection standards.","date_sent_to_company":"2026-03-03T19:05:54.000Z","issue":"Trouble accessing funds in your mobile or digital wallet","sub_product":"Mobile or digital wallet","zip_code":"92115","tags":"Servicemember","has_narrative":true,"complaint_id":"19937004","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-03-03T18:37:08.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["However, upon follow-up at the 30-day mark, I was informedwithout individualized <em>analysis</em> or supporting documentationthat PayPal would instead impose a 180-day hold. \n\nPayPal has not provided a specific explanation demonstrating that this extended hold is reasonably related to actual loss exposure or ongoing dispute <em>risk</em>. The hold appears to be applied automatically rather than based on a proportional <em>risk</em> assessment."]},"sort":[16.060566,"19937004"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":90646,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":90353},{"key":0,"key_as_string":"false","doc_count":293}]}},"product":{"doc_count":90353,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":43864,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":43383},{"key":"Other personal consumer report","doc_count":481}]}},{"key":"Mortgage","doc_count":9491,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":4746},{"key":"FHA mortgage","doc_count":1895},{"key":"VA 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