{"took":216,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":357,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"14770070","_score":18.952475,"_source":{"product":"Credit card","complaint_what_happened":"Starting in XX/XX/year>, Barclays placed a restriction on my consumer credit card due to me trying to by a purchase that was made that was more expensive. I have been in communication with Barclays security services every week from that time frame and have had no consistent communication between them about them A. Receiving the required documents that were needed to verify my identity and B. If they had been processed/reviewed. I have had previous cases with the executive office and their official outcome was that everything had been reviewed and confirmed and all that was needed was an outbound call to my number to lift the hold on my account. You can also reference when I called customer security Services on XX/XX/XXXX and about XXXX XXXX XXXX  were the agent confirmed the issue was also resolved say she removed the hold and placed a temporary one on the account due to her issuing me a new card which I have received. I need this to be rectified as if there is no consistent communication within the company this is a neglect to their clients and their finances. I am asking that this be resolved in a timely manner","date_sent_to_company":"2025-07-21T20:45:03.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"032XX","tags":null,"has_narrative":true,"complaint_id":"14770070","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2025-07-21T20:35:45.000Z","state":"NH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["You can also reference when I called customer <em>security</em> Services on XX/XX/XXXX and <em>about</em> XXXX XXXX XXXX  <em>were</em> the <em>agent</em> <em>confirmed</em> the issue was also resolved say she removed the hold and placed a temporary one on the account due to her issuing me a new card which I have received. I need this to be rectified as if there is no consistent communication within the company this is a neglect to their clients and their finances. I am asking that this be resolved in a timely manner"]},"sort":[18.952475,"14770070"]},{"_index":"complaint-public-v1","_id":"18228031","_score":18.88304,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I applied directly through my XXXX account for a {$1900.00} line of credit. Was approved for {$1900.00} submitted all requested documents paystubs and state ID for verification. Verbally Passed two identity verification with providing my full social security number over the phone and answering a series of questions. \nXX/XX/year> : I completed identity verification using my correct Social Security number, and it passed. I received confirmation that my application was approved. My XXXX online account displayed the approval and the loan documents. \nXX/XX/year> : I received an email stating I needed to complete identity verification again. I called XXXX and spoke with a representative ( XXXX ), who ran my identity verification again using my correct SSN. It passed again. \nThe representative then stated that the application had to be withdrawn because the Social Security number was off by XXXX digit. I did not request withdrawal ; it was done at their suggestion. \n\nDuring the call, the agent also asked if I was associated with another individual named XXXX XXXX, linked to an apartment in XXXX, Texas, which I have never been associated with. I have a prior identity issue where someone used my SSN and name in connection with a fraudulent address in Texas. This raises serious concerns about mixed-file or inaccurate identity data affecting my credit applications. \n\nAfter the withdrawal, my XXXX online account no longer displayed the approval or loan documents. It only showed the option to check my eligibility. There is no record of my previous applications or any case notes visible online. \n\nI called back again today due to only allowing to check my eligibility and giving a statement of no available offers at this time During the third call today, I asked specifically about escalating my case, obtaining documentation of the SSN discrepancy, and clarifying which credit report and SSN were used. The agent confirmed that no managers were available and that I would have to wait XXXX business days for a callback. \n\nDuring this same call agent stated she can see in the system My information and social security number may have been associated with another person or outdated third-party data from Even Financial dating back to XXXX, because the information transferred over to them was saved in their system which I did not use in this application. I applied directly on the XXXX  website with my log in information. I never applied in XXXX through this 3rd party company. \n\nThe same agent confirmed they have no way to verify or confirm how the error occurred or see the error on how the social security number is one off. Agent confirmed both identity verifications passed with my correct social security number and my correct social security number was updated in the system. \n\nAfter the withdrawal, my XXXX online account no longer displayed the approval or loan documents. It only showed the option to check my eligibility. There is no record of my previous applications or any case notes visible online.","date_sent_to_company":"2026-01-07T16:43:55.000Z","issue":"Getting a line of credit","sub_product":"Personal line of credit","zip_code":"641XX","tags":null,"has_narrative":true,"complaint_id":"18228031","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENOVA INTERNATIONAL, INC.","date_received":"2025-12-22T19:32:41.000Z","state":"MO","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I called back again today due to only allowing to check my eligibility and giving a statement of no available offers at this time During the third call today, I asked specifically <em>about</em> escalating my case, obtaining documentation of the SSN discrepancy, and clarifying which credit report and SSN <em>were</em> used. The <em>agent</em> <em>confirmed</em> that no managers <em>were</em> available and that I would have to wait XXXX business days for a callback."]},"sort":[18.88304,"18228031"]},{"_index":"complaint-public-v1","_id":"15794266","_score":17.792217,"_source":{"product":"Checking or savings account","complaint_what_happened":"Received notice XX/XX/year> that account was frozen and access suspended due to suspected fraud with linked banks accounts for ACH transfer. Called Ally immediately and was informed I would need to verify accounts on three-way phone call with respective banks. Two of the banks had security protocols that were incompatible with Ally 's for verification and could not be verified ; two other banks were not able to be reached by Ally ( it was a Saturday ). I was informed that after having attempted to verify the banks and failing, Ally could just simply remove the bank from being linked to my account. The agent mentioned it had to be confirmed by \" The Ally Inspector '', and refused to give any kind of time-frame. \n\nI called again on XX/XX/year> to check the progress of getting my account accessible again, only to be told I would again be required to participate in verification of these accounts before my account would again be accessible. I did not have the time to go through this lengthy process again, and asked that they simply close the account and mail me a check of my funds. She said she would notate that on my account, but that it still needed to be confirmed by \" The Ally XXXX ''. \n\nI called again on XX/XX/year> to check the status of my account closure request and the payoff check. Was informed not a single thing had happened with my case, and no timeline would be provided for its resolution. I acquiesced and agreed to again attempt to verify the linked accounts. Again, XXXX were unable to verify due to conflicting security measure which prevented both banks from being certain they were talking to me. The other XXXX were confirmed to be completely under my ownership, although they were business accounts. Ally informed me they do not permit the linking of my personal account with business accounts, but confirmed this was not fraud, as they initially expected. Ally stated that this was ok, the accounts would simply be removed and no longer linked. I requested the account remain open, and she noted in my file. I again inquired about an expected date of resolution in this matter and was again denied. \n\nIt's unacceptable that there has been almost no communication from Ally on this matter and apparently no progress in the least. This is people 's money they're messing with for no good reason. The agent ( XXXX XXXX confirmed it was not fraud and there was no issue, it just has to pass by \" The Ally XXXX '' to be completed, and that I \" would hear from them. '' I have still heard nothing and am still locked out of my account with $ XXXX.","date_sent_to_company":"2025-09-08T22:13:59.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"20007","tags":null,"has_narrative":true,"complaint_id":"15794266","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2025-09-08T21:48:12.000Z","state":"DC","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":["Two of the banks had <em>security</em> protocols that <em>were</em> incompatible with Ally 's for verification and could not be verified ; two other banks <em>were</em> not able to be reached by Ally ( it was a Saturday ). I was informed that after having attempted to verify the banks and failing, Ally could just simply remove the bank from being linked to my account. The <em>agent</em> mentioned it had to be <em>confirmed</em> by \" The Ally Inspector '', and refused to give any kind of time-frame."]},"sort":[17.792217,"15794266"]},{"_index":"complaint-public-v1","_id":"6877263","_score":17.564146,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX I received multiple calls from Citi bank about suspicious activity on my account and that I needed to call them to verify charges made. I called them and confirmed that my account was compromised and that the card needed to be destroyed and new ones issues. I spoke to 3 different people who assured me that the account was locked and new cards were going to be sent my way and I would receive them in 3 days. I reviewed my account today XX/XX/XXXX and more charges were made. I immediately called Citi and I spoke to another person who confirmed that the card was not cancelled and that in fact nothing had been done. At this point I was livid as I spent over an hour handling this with the agents and nothing was done. She then told me she also couldnt do anything and that a manager needed to call me in about 24 hours. No call has been received and my account is still compromised and nothing has been done to prevent further fraud on my account. This has been failure after failure in account security and regulation Z of the federal reserve board violation.","date_sent_to_company":"2023-04-22T08:36:54.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"761XX","tags":"Servicemember","has_narrative":true,"complaint_id":"6877263","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-04-22T08:15:51.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX I received multiple calls from Citi bank <em>about</em> suspicious activity on my account and that I needed to call them to verify charges made. I called them and <em>confirmed</em> that my account was compromised and that the card needed to be destroyed and new ones issues. I spoke to 3 different people who assured me that the account was locked and new cards <em>were</em> going to be sent my way and I would receive them in 3 days. I reviewed my account today XX/XX/XXXX and more charges <em>were</em> made."]},"sort":[17.564146,"6877263"]},{"_index":"complaint-public-v1","_id":"4137541","_score":17.235039,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"For the past 4 months I have been having issues with Transunion getting my credit score. Everytime I called, the agent would pull up my sister 's credit file and confirm is mine just because we share similar name and share the same mailing address. However what they have on record is my sister 's credit file and not mine, and they somehow updated her information with my name. When I asked the agent to reconfirm my name, social security, and date of birth is when they realize is not my credit file is my sister 's due to difference in social security number. Both XXXX  and XXXX  were able to update my personal information and my credit score with them would be provided to me. I have been calling Transunion about this issue, and it ends up Transunion does not have a credit file under my name/Social security number/date of birth. The only way they would create a credit file for me is if I send them a copy of my social security card, birth certificate, and driver 's license, and also a letter stating the issue and how I would like to resolve this. I mailed the letter and the personal information to Transunion four times, with first time no tracking number, second and third time with just tracking number and the fourth time I included signature request and tracking number. However, the agents there claim they never receive any of my letters or packet but I confirmed with USPS who is my mail carrier, and USPS confirmed my letters were delivered. So far, this has been a back and forth waiting game with Transunion, and its holding me back from qualifying for a mortgage loan. \n\nBelow is list of dates I mailed out the letter, my driver 's license, social security card, and birth certificate : XX/XX/XXXX : no tracking number included XX/XX/XXXX : Delivered status shown in Product Tracking attachment provided by UPSP XX/XX/XXXX : Delivered status shown in Product Tracking attachment provided by UPSP XX/XX/XXXX - USPS Tracking Number : XXXX Below is my file numbers with Transunion in regarding this issue : 1 ) XXXX 2 ) XXXX","date_sent_to_company":"2021-02-13T09:36:14.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"02135","tags":"Servicemember","has_narrative":true,"complaint_id":"4137541","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-02-13T03:46:15.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["However, the <em>agents</em> there claim they never receive any of my letters or packet but I <em>confirmed</em> with USPS who is my mail carrier, and USPS <em>confirmed</em> my letters <em>were</em> delivered. So far, this has been a back and forth waiting game with Transunion, and its holding me back from qualifying for a mortgage loan."]},"sort":[17.235039,"4137541"]},{"_index":"complaint-public-v1","_id":"16781930","_score":16.899502,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"b'Transunion Breach\\n\\nXXXX XXXX  approximately XXXX  spoke to Transunion Fraud after not being able to log in to online access.  They confirmed that my information (email, password, user id, and phone) had been changed, Credit was unfrozen and alerts removed. Fraud representative changed my personal information back and suggested locking online access.  This was confirmed and I was assured that anyone calling in would have several security questions personalized to you that it was very secure.\\nXXXX XXXX, on my credit information, personal information and my credit bureau with Transunion was fraudulently UNFROZEN, alerts removed and personal information was changed again.\\n\\n-XXXX XXXX, fraudulently Transunion UNFROZE the account AGAIN, personal information was changed again, and alerts were REMOVED AGAIN and the online access that was supposed to be suspended was active, which your fraud agent confirmed on XXXX at XXXX At this time the agent changed the personal information back, added the freeze back and alerts to keep my Transunion from being breached again. I was told this was the best they could do and I would be contacted by someone higher in 3 days, I confirmed this was unacceptable and wanted to speak to a manager, I was given a case number at this time of # XXXX  and transferred to fraud special handling at XXXX XXXX XXXX I was transferred to the Fraud Special Agent, who I reported that Transunion had 3 security breaches (one in less than 24 hours) and my account was unfrozen, information changed and alerts removed.  At XXXX the Special Fraud Agent added another level of security (which I provide a password) and she confirmed the account CANNOT be accessed, nor can changes be made to my personal information, nor can fraud alerts be lifted or my account be unfrozen without the password I provided.  Online access continues to be locked at this time.\\n\\n-XXXX XXXX, called Transunion Fraud Special Handling confirmed that on June 3rd the freeze was lifted again, contact information (email and phone had been changed), and alerts have been removed. I was given all this information again without being asked the password.  I asked why the password is not being used, they then asked me for the password.  I suggested maybe the breach was from inside Transunion, they assured me it was not. I filed a complaint with the Federal Trade Commission that Transunion cannot secure my information or keep my credit frozen Report Number #XXXX.   Transunion assured me that all information would be secure and asked to be put on hold to address with other managers my issue.  Transunion Fraud Special Handling Agent confirmed that this was only happening to you.  I again asked why someone would change this information and unfreeze my account with all the high Identity Fraud going on under my account, they had no answer.  Agent assured me again that the account was frozen, alerts were placed on and information was corrected.  Called back in at XXXX to ensure account was secure, the 3x time, I have called in the password created to get ANY information was not asked.  When asked agent why this was, he reported we really dont do anything like that, which I asked to be transferred to special handling.\\nJune 4-Called XXXX to confirm Freeze, Alerts and personal information has not been changed.  Password was not asked for, I asked why, was told by special handling that there was no password protection.  I asked them to look into their chart and identify this password.  Special Handling Agent Stated it would show up if was asked to make changes.  \\n\\nXXXX XXXX-Called Transunion at XXXX XXXX XXXX  each time I was given my phone by the Transunion agent and was not asked for my password. \\n\\nXXXX XXXXXXXX caught a Transunion credit pull by XXXX XXXX  Called Transunion approximately 1XXXX confirmed at XXXX with a Transunion agent that the credit freeze was lifted today at XXXX, at time I was at an appointment.  I told Transunion this, also who did not ask for my password and then told me I did not have an established password, then corrected themselves and asked me for it, only after I told them they are supposed to be using it.  I asked that the freeze immediately be put back and they confirmed it had, they also stated that the freeze was lifted from their automated line and security questions.  I informed them I removed the online profile due to significant breeches with Transunion and asked that this automated call in be removed as well.  They informed me as Superior Supervisor would have to call me about that and would do so in 24, 48, 72 hours.  I addressed that they can unfreeze again and once again Transunion can beech my secured information and lift a freeze.  Transunion rep agreed but reported that she could not transfer the call to a superior supervisor and could only make a request to call me which could take up to 3 days. I called XXXX XXXX at approximately XXXX and confirmed that a fraudulent application was submitted today in my name.  I informed them this was fraud and requested they note this and remove the application, they confirmed this.  After this I made another federal trade commission complaint and CFBP complaint. \\n\\nXXXX XXXX Got alerts from Aura that Transunion was breached, Transunion breach again.  My freeze was lifted again, my address was changed to a Houston address, I spoke to Transunion and was supplied and case number was assigned #XXXX, I was transferred to Special Handling where they confirmed that today they put the freeze back on and corrected my address.  XXXX XXXX had done a pull on my credit which I now have to dispute again.  The Special Handling Agent confirmed the freeze was lifted from the chat site and prior this it was lifted by the automated phone system.  I again told them that this continues to be breached and Transunion cannot keep my information and account secure.  I asked that something more be done.  I was told that the password could be changed, I assured them the freeze was lifted without the password, which is the same scenario in the past.  I asked the agent to review the chat and confirm the password was provided to lift the freeze.  The passcode was never asked for. I was told today to change the passcode, which I did and all automated chat, phone and online access would be eliminated. \\n\\n\\n\\nXXXX  XXXX  was breached, despite paying for the XXXX  Protection Plan, setting up a security freeze pin, and a security question.  I called XXXX  at XXXX  I was told that a freeze and fraud alert we set back, while I was on the phone with the fraud department, my identity theft protection Aura, confirmed that while I was talking with XXXX  Fraud and they confirmed they froze my account the fraudster already unfroze my credit report with XXXX  again.  I was then transferred to a manager after telling the fraud agent this and he saw the account was unfrozen again while he was on the phone with me.  All my information was changed and my online password and login was change making me unable to access it.  I was told that the membership was blocked and frozen again and there is now a freeze and the membership is blocked until I mail in a letter with the Case Escalation Number XXXX, copy of DL, SS# and copy of utility bill/bank statement to XXXX XXXX XXXX XXXX XXXX XXXX I have already done this and supplied the police report.  I will mail this again but they are unable to keep my information secure even with pins and passwords and paying for their protection. \\nFILED A COMPLAINT CFPB TO ID FOR COMPLAINT SENT TO XXXX  CREDIT BUREAU\\nXXXX XXXX XXXX  was already breached again, Inquiry through XXXX  from XXXX XXXX XXXX (2 applications), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was breached again, it was unfrozen, personal information was changed, login and password were changed again, fraud alerts removed and online access was allowed again. \\nXXXX XXXX Called XXXX back and they confirmed all the breaches, froze the account again, changed back the information to my personal information and put the fraud alerts back on. I was then transferred back to Membership Services XXXX XXXX which I could not get to an agent, called back and spoke to Fraud XXXX XXXX, I was told that this was escalated to the tech team and I would hear back by email, once my personal information is corrected and they can freeze the account.  I asked to speak to a manager, I was told that this was escalated the online access that was being breached would be suspended but they could not tell me a time frame when this would happen.  In the meantime this has been breached 3xs in less than 24 hours. \\n\\n\\nXXXX XXXX  breached, online password and login changed.  Called XXXX and spoke to an agent, he added the freeze and the security alerts back today.  I asked for my online access to be blocked and was escalated to a supervisor, supervisor confirmed today that they locked out the online.  Case number #XXXX  \\nFILED A COMPLAINT CFPB TO ID FOR COMPLAINT SENT TO XXXX  CREDIT BUREAU\\nXXXX  Transunion Breach- Called Transunion spoke to Special Handling provided a case number XXXX  and then was placed on hold to speak to a Manager, waited on hold for exactly another hour for a Manager.  At XXXXXXXX XXXX XXXX checked my credit through Transunion on XXXX and it was checked prior by XXXX XXXX on XXXX   I spoke to agent and was confirmed that my account has been frozen and fraud alerts placed back on, online access has been removed/blocked, automated self-service portal is also blocked.  XXXX XXXX XXXX XXXX Inquiry through Transunion,  XXXX XXXX XXXX XXXX inquiry through Transunion.\\nFILED A COMPLAINT CFPB TO ID FOR COMPLAINT SENT TO EQUIFAX CREDIT BUREAU\\nXXXX XXXX XXXX fraudulently unfroze my account again.  I called in and had it frozen, added a 7 year fraud alert and requested that the membership be removed so that an online profile cannot be accessed fraudulently. \\n\\nXXXXCalled Transunion Freeze was fraudulently lifted and a fraudulent phone number was added and email was fraudulent, Transunion confirmed that there were three loan application and credit was pulled for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.  I again requested a freeze be put back on, fraud alerts put back on, and personal information corrected back and disputed the three credit pulls as Fraud. I confirmed online access continues to be locked. Transunion was breached again.\\n\\nI CONTINUE TO MAKE COMPLIANTS to you and NOTHING happens, Transunion reports that \"they are working on it\" but nothing is improved and my account continues to be breached, and my personal information submitted fraudulently.'","date_sent_to_company":"2025-10-23T16:01:10.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"240XX","tags":null,"has_narrative":true,"complaint_id":"16781930","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-23T14:05:36.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Called XXXX and spoke to an <em>agent</em>, he added the freeze and the <em>security</em> alerts back today.  I asked for my online access to be blocked and was escalated to a supervisor, supervisor <em>confirmed</em> today that they locked out the online."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[16.899502,"16781930"]},{"_index":"complaint-public-v1","_id":"17368523","_score":16.838589,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"This is not the first time this has happened with XXXX  I transferred and sold etherium in my XXXX  account last week and it was fine my funds were available immediately, but this week is a different story, I did the exact transaction and after selling the etherium in my XXXX  account instead of making my money available immediately they out of nowhere put a 5 day hold on my money again!! There's no reason the customer service agents will give me that makes any sense and in fact I've been lied to a few times about why all the sudden this transaction was placed on hold, I was told by one agent at first he said it was placed on a hold for my security and when I questioned him as to what could possibly be unsafe for me to sell my crypto he then changed his answer to \" oh I see there's an issue with the XXXX  sale and will be reviewed within 5 days '' but there's not any issue its been confirmed in blockchair for hours and hours. So that was the first 2 lies and then the chat agent without warning or even saying he's transferring me sends me randomly to another chat agent where I have to start over with my issue. So I started over and got another lie from the new chat agent who told me EVERY crypto transaction gets held for review but he was going to expedite my transaction immediately and then next thing I know I'm transferred to a DIFFERENT chat agent again having to explain the situation to someone new that I was thrown to. And finally the lies this agent told me were basically they will hold all crypto sales until 5 days pass and that they do this on EVERY transaction. When I just sold etherium last week that was immediately available after being confirmed on blockchair. I was then very rudely just disconnected from chat by the agent typing this \" not to rush you but i haven't received any response for a while im going to disconnect this chat due to inactivity '' and it was only literally 1 minute since I had responded and I even said no I'm here very fast but he disconnected me any way and it closed the chat.","date_sent_to_company":"2025-11-19T16:39:27.000Z","issue":"Trouble accessing funds in your mobile or digital wallet","sub_product":"Mobile or digital wallet","zip_code":"95337","tags":null,"has_narrative":true,"complaint_id":"17368523","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-11-19T16:18:01.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>confirmed</em> in blockchair for hours and hours."]},"sort":[16.838589,"17368523"]},{"_index":"complaint-public-v1","_id":"2924752","_score":16.377668,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/XXXXmy wife contacted a XXXX ad for an apartment rental in the XXXX, XXXX area. Upon contacting the individual who posted the ad they posed a real estate agent in the area and had a 2 BR/2 BA apartment for rent for {$1900.00} per month and it was month to month. \n\nAfter initial communication with the real estate agent ( pretend ) we filled out a leasing application and lease agreement with the posing individual. At which point they confirmed via e-mail that they received the leasing information and would sent payment instructions. We were instructed to pay via wire since this was an out of state private owner as they called them prior. \n\nOnce we received the wire instructions the funds were wired into the account on XX/XX/XXXX at approximately XXXX XXXX PST. After several hours, something was not feeling correct about the situation and we attempted to contact the \" real estate agent '' and they did not answer the phone but called back and pretended to be XXXX the \" property manager '' for the company. After being very suspicious we called another phone number for the realtor and were told they knew nothing about this apartment listed for rent. \n\nWe immediately went to our banking institution and reported the fraud/scam. They attempted to stop the wire transfer and notify the other institution of the situation. This was reported at approximately XXXX XXXX PST which would be XXXX XXXX EST at the financial institution in XXXX  which is Trustmark National Bank. We are not members of the bank however we did call them and notify them of the wire fraud. \n\nWe spoke to the Security Department on the morning of Wednesday XX/XX/XXXX and informed them of the situation. There response to us was they were not sure they received the wire cancellation request and the money was withdrawn from the account at XXXX XXXX EST. It is hard to believe that the institution did not receive the request to not allow the withdrawal of the money. \n\nLocal law enforcement was notified of the situation on Thursday XX/XX/XXXX and she has since been in contact with the bank. The  institution has since closed the account. We had suggested to them on Wednesday that they look into the account and the large withdrawals and were told by the security department that its normal for people to go in daily and take large sums of money.","date_sent_to_company":"2018-06-02T06:36:02.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"92688","tags":null,"has_narrative":true,"complaint_id":"2924752","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUSTMARK CORPORATION","date_received":"2018-06-02T06:01:21.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["We <em>were</em> instructed to pay via wire since this was an out of state private owner as they called them prior. \n\nOnce we received the wire instructions the funds <em>were</em> wired into the account on XX/XX/XXXX at approximately XXXX XXXX PST. After several hours, something was not feeling correct <em>about</em> the situation and we attempted to contact the \" real estate <em>agent</em> '' and they did not answer the phone but called back and pretended to be XXXX the \" property manager '' for the company."]},"sort":[16.377668,"2924752"]},{"_index":"complaint-public-v1","_id":"4335712","_score":16.286802,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XXXX XX/XX/2021 I transferred {$380.00} via mobile phone app from XXXX XXXX  account into my personal checking account with Chase Bank. I later discovered XXXX XXXX  flagged the account for fraud, notified the Chase Bank Fraud Department which later restricted access to the account. On XXXX XX/XX/2021 when I went inside the XXXX, WA branch on XXXX XXXX XXXX XXXX and presented my credentials to withdraw money, the banker confirmed the account restrictions. Later via telephone conversations, the banker stated the issues originated from my social security number. \nLater that evening, the Fraud Department from Chase Bank denied access to all accounts. The telephone customer service agents were neither forthcoming nor forthright with specific information regarding the circumstances about the account. No one from the Fraud Department was available to rectify the situation.","date_sent_to_company":"2021-04-29T07:56:10.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"98004","tags":null,"has_narrative":true,"complaint_id":"4335712","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-04-29T03:38:07.000Z","state":"WA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The telephone customer service <em>agents</em> <em>were</em> neither forthcoming nor forthright with specific information regarding the circumstances <em>about</em> the account. No one from the Fraud Department was available to rectify the situation."]},"sort":[16.286802,"4335712"]},{"_index":"complaint-public-v1","_id":"4290371","_score":16.240208,"_source":{"product":"Checking or savings account","complaint_what_happened":"My father died on XX/XX/2021 in XXXX XXXX, Florida. On XX/XX/2021, I went to the Chase Bank branch where his checking account was held at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I presented the death certificate and requested closure of the account. I am the beneficiary upon death and the bank did have that information on record. The agent assisting me urged me to go into the account and make sure all auto-pays were stopped before closing the account. I did that and returned the next day to request closure of the account. Because this bank account is where his monthly social security payments of approximately {$1400.00} were deposited, the agent informed me that the account would be on hold until Social Security confirmed that the last payment, which arrived XX/XX/XXXX, is valid. She explained that social security has 120 days to reclaim these funds, but I could request a letter from social security that would allow them to close the account. The account currently has more than {$16000.00} on deposit. When I log into the checking account, it looks as if the account is overdrawn by $ XXXX, so of course all funds are frozen. \n\nIt is now XX/XX/XXXX, and after repeated ( 5 ) calls to social security, both local and national offices, they have consistently told me that they do not have a policy of issuing letters to financial institutions. They have consistently told me that it is up to Chase to send the funds in question back to Social Security if there is any question about the validity of the last payment. There is no order of reclamation on file with social security. I have called Chase bank branches both in my local area ( XXXX, MD ) and the originating branch and have not received resolution. There is no justification for this delay without explanation. \n\nIt is unjust that Chase bank is holding my funds in excess of {$14000.00} ( excluding the social security payment in question ) for nearly 30 days. I would like to see resolution of this matter immediately so that I may pay my father 's funeral expenses.","date_sent_to_company":"2021-04-12T14:05:16.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"21208","tags":null,"has_narrative":true,"complaint_id":"4290371","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-04-12T13:50:02.000Z","state":"MD","company_public_response":null,"sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["The <em>agent</em> assisting me urged me to go into the account and make sure all auto-pays <em>were</em> stopped before closing the account. I did that and returned the next day to request closure of the account. Because this bank account is where his monthly social <em>security</em> payments of approximately {$1400.00} <em>were</em> deposited, the <em>agent</em> informed me that the account would be on hold until Social <em>Security</em> <em>confirmed</em> that the last payment, which arrived XX/XX/XXXX, is valid."]},"sort":[16.240208,"4290371"]},{"_index":"complaint-public-v1","_id":"9162770","_score":16.197266,"_source":{"product":"Checking or savings account","complaint_what_happened":"Previous CFPB Complaint # : XXXX - I spoke with the agent on the telephone on XX/XX/XXXX when I was told I should have the {$300.00} cash bonus - Agent confirmed all requirements for the {$300.00} cash bonus for a new XXXX account with XXXX ACH deposits totaling {$1500.00} were completed successfully. \n- That same agent apologized for the delay, and promised and ensured me it would appear in the account on XX/XX/XXXX. The call was recorded and there is proof of the agent saying this multiple times. I repeated the question for confirmation and the agent confirmed the funds would be deposited to my aocunt on XX/XX/XXXX - Agent asked that if I don ; t see the funds I can call customer service and they will deposit them - She apologized over and over, again the call is recorded for proof - I just got off the phone with a customer service agent who had to escalate this case to their supervisor - Citi is trying to say there needs to be a {$1500.00} balance kept on the account in first 90 days. This is false, the terms clearly state that XXXX deposits totaling to {$1500.00} need to be made. No where on the offer does it mention anything about {$1500.00} in the account- Please see below response from Citi on my original complaint : XXXX \" Pursuant to the attached terms and conditions of the offer in question, XXXX, to earn the {$300.00} cash bonus, the requirement was to open a consumer checking account between XX/XX/2024, and XX/XX/2024. Within 90 days of account opening, you would need to have completed XXXX qualifying Enhanced Direct Deposits totaling {$1500.00}. Qualifying Enhanced Direct Deposit is an electronic deposit through the XXXX XXXX XXXX XXXX XXXX XXXX XXXX of payroll, pension, social security, government benefits and other payments. \nAdditionally, your checking account must remain open and in good standing from the time it is opened until the cash bonus is paid. Please be advised your account must keep a balance because an account that maintains a XXXX balance for XXXX calendar days are subject to closure at Citibanks sole discretion. After all the offer requirements are completed, the cash bonus will be credited to your account within XXXX calendar days. \nIn our review, we determined the account was opened on XX/XX/2024, and there were XXXX XXXX credits totaling {$1500.00} posting on XX/XX/2024. The cash bonus was not received yet because there is a XXXX time period to complete the required ACH activity and maintain a balance. The promotional cash bonus payment will be paid within XXXX calendar days after that time period. '' - Again, no where does it mention a $ amount. It clearly states that the account must be in good standing and not with a XXXX balance - My account is in good standing and not with a XXXX balance - I am owed {$300.00} for this offer Additionally, multiple agents confirmed on a recorded line that I have satisfied all requirements. They also confirmed I needed to have an open account, not {$1500.00} Please give me the reward, thanks","date_sent_to_company":"2024-06-03T16:39:45.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"80021","tags":null,"has_narrative":true,"complaint_id":"9162770","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-06-03T16:15:31.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive terms that were advertised"},"highlight":{"complaint_what_happened":["Previous CFPB Complaint # : XXXX - I spoke with the <em>agent</em> on the telephone on XX/XX/XXXX when I was told I should have the {$300.00} cash bonus - <em>Agent</em> <em>confirmed</em> all requirements for the {$300.00} cash bonus for a new XXXX account with XXXX ACH deposits totaling {$1500.00} <em>were</em> completed successfully. \n- That same <em>agent</em> apologized for the delay, and promised and ensured me it would appear in the account on XX/XX/XXXX."],"sub_issue":["Didn't receive terms that <em>were</em> advertised"]},"sort":[16.197266,"9162770"]},{"_index":"complaint-public-v1","_id":"19516335","_score":16.173409,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am a long-standing customer of Citibank ( over 10 years ). I am filing this complaint due to gross administrative negligence, inaccurate record-keeping, and the unjustified closure of my account. \n\nPlease note that I am not attaching the original audio recordings due to file size limitations ; however, I am attaching a detailed PDF transcription. Citibank must have these calls in its records, and I demand an executive audit of the recordings from the dates and times specified to verify the facts presented here. \n\nOn XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Local Time ), I contacted Citibank. During this call, the agent specifically asked me about the {$1600.00} XXXX transaction ( XXXX ) and explicitly stated that the security alert had been triggered for this reason ( XXXX ). I verified the transaction as legitimate, and the agent confirmed my identity and informed me that my access would be restored within XXXX hours. \n\nHowever, on XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), a different agent provided completely contradictory information. This agent cited a burst of unauthorized transactions for {$5.00} under the name XXXX XXXX XXXX, charges I never authorized and that were never mentioned on the previous day. \n\nFurthermore, during the call on XX/XX/XXXX, I explicitly contested the accuracy of the bank 's internal notes : - At XXXX, the agent admitted that my identity was successfully verified and at XXXX she had 'cleared ' the security review. \n\n- At XXXX, the agent falsely claimed that I had been notified of a permanent account closure on XX/XX/XXXX, which is directly disproved by my recording of that day 's call. \n\nDespite successful identity verification, the bank still proceeded to close the account based on their own faulty records. As I am currently located abroad, a paper check is not a viable solution and poses a high risk of financial loss.","date_sent_to_company":"2026-02-15T22:19:54.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"19516335","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-02-15T19:48:51.000Z","state":null,"company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["During this call, the <em>agent</em> specifically asked me <em>about</em> the {$1600.00} XXXX transaction ( XXXX ) and explicitly stated that the <em>security</em> alert had been triggered for this reason ( XXXX ). I verified the transaction as legitimate, and the <em>agent</em> <em>confirmed</em> my identity and informed me that my access would be restored within XXXX hours. \n\nHowever, on XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), a different <em>agent</em> provided completely contradictory information."]},"sort":[16.173409,"19516335"]},{"_index":"complaint-public-v1","_id":"3359886","_score":15.932009,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Dear CFPB : I received a NOTICE OF DATA BREACH from Capital One dated XX/XX/2019. \n\nOn XX/XX/2019, Capital One learned there was a data breach and unauthorized access of its systems and customers personal identifiable information. In the letter, Capital One noted that my Social Security was one of 140,000 numbers stolen because of Capital Ones faulty security systems : In addition, for a subset of these consumers, about 140,000 Social Security numbers and 80,000 linked bank account numbers were obtained. We are sorry that your Social Security number was one of the 140,000 obtained. \n\nCapital One offered two years of credit monitoring and identity protection with XXXX. This compensation is not commensurate with the damage done. My Social Security is now, forever, in the hands of a party that should not have it. This is permanent, irreparable damage. \n\nAs such, on XX/XX/2019 I called Capital One, the number on the NOTICE OF DATA BREACH ( XXXX ) to learn what recourse I had to obtain additional compensation. The customer support agent indicated she could not offer additional compensation, that whatever the NOTICE OF DATA BREACH stated was the only compensation Capital One could offer ( that is, the two years of credit monitoring and identity protection with XXXX ). \n\nI asked to speak with a supervisor. The customer support agent escalated the issue to her supervisor. \n\nThe supervisor called me back a few minutes later. And I asked what recourse I had to obtain additional compensation because the two years of credit monitoring and identity protection with XXXX is grossly inadequate. \n\nThe supervisor reiterated the same as the previous customer support agent, that she could not offer additional compensation. And suggested that Capital One is working on it, that there might be additional compensation down the line, and that Capital One will be in touch with me. \n\nI asked to file a formal complaint through Capital Ones complaint system. The supervisor confirmed she filed a Tier 2 complaint. The complaint being : My personal identifiable information was stolen from Capital Ones systems, including my Social Security number, due to Capital Ones weak security systems And that Capital Ones offered compensation for this data breach is not sufficient. \n\nThank you.","date_sent_to_company":"2019-09-01T21:30:20.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"07712","tags":null,"has_narrative":true,"complaint_id":"3359886","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2019-09-01T20:35:43.000Z","state":"NJ","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["In the letter, Capital One noted that my Social <em>Security</em> was one of 140,000 numbers stolen because of Capital Ones faulty <em>security</em> systems : In addition, for a subset of these consumers, <em>about</em> 140,000 Social <em>Security</em> numbers and 80,000 linked bank account numbers <em>were</em> obtained. We are sorry that your Social <em>Security</em> number was one of the 140,000 obtained. \n\nCapital One offered two years of credit monitoring and identity protection with XXXX."],"sub_issue":["Difficulty submitting a dispute or getting information <em>about</em> a dispute over the phone"]},"sort":[15.932009,"3359886"]},{"_index":"complaint-public-v1","_id":"4169163","_score":15.884783,"_source":{"product":"Debt collection","complaint_what_happened":"At XXXX XXXX today I was contacted by Person Calling : unintelligible They said that they were calling about a Discover credit card from XX/XX/XXXX-XX/XX/XXXX, that multiple collections agencies had tried to contact me over the matter and that they were going to sue me for XXXX dollars unless i paid them XXXX dollars. They threatened to have the papers served to my home TODAY. Then they read me my social security number and birthdate and asked me to confirm them. \n\nThe DiscoverAccount number they provided me is : XXXX XXXX XXXX XXXX Frustrated and angry about being threatened so harshly I hung up on the lady ( XXXX ) and called Discover. They confirmed that this was in fact a scam and that i never had a credit account open with Discover. \n\nThe information i have on the people that contacted me is : Issuing firm XXXX XXXX XXXX Refer to Case number MI XXXX They also harassed my husband while at work ( we were not married until XX/XX/XXXX, how did they get his info? ) and said that their Field agents would be dispatched to our residence as well as verified place of employment That if I dont call them today I would be in non compliance and this would be filed with courts under failed action to serve and evasion of delivery.","date_sent_to_company":"2021-03-12T14:02:41.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"496XX","tags":null,"has_narrative":true,"complaint_id":"4169163","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2021-02-26T20:51:53.000Z","state":"MI","company_public_response":null,"sub_issue":"Threatened to sue you for very old debt"},"highlight":{"complaint_what_happened":["At XXXX XXXX today I was contacted by Person Calling : unintelligible They said that they <em>were</em> calling <em>about</em> a Discover credit card from XX/XX/XXXX-XX/XX/XXXX, that multiple collections agencies had tried to contact me over the matter and that they <em>were</em> going to sue me for XXXX dollars unless i paid them XXXX dollars. They threatened to have the papers served to my home TODAY. Then they read me my social <em>security</em> number and birthdate and asked me to confirm them."]},"sort":[15.884783,"4169163"]},{"_index":"complaint-public-v1","_id":"8091963","_score":15.296376,"_source":{"product":"Credit card","complaint_what_happened":"On XXXX XXXX, 2023, I applied for a credit card through Capital One and I was denied access to my credit. My suspicions of Securities Fraud were confirmed when I received a subsequent email outlining their adverse action against my application which details their violations of the Consumer Credit Protection Act, Fair Access to Credit Act, and The Truth In Lending Act by discriminating against me based on my previous good faith exercise of my rights under the Consumer Credit Protection Act. I contacted Capital One customer service about the email and questioned the discrimination and was informed I would receive a letter explaining the adverse action, which was only sent as the previously mentioned email. I then requested that if the final decision is a denial which I was informed was the status, Capital One return my application for credit to me as it amounted to an invalid contract due to their failure to return value to me for the security provided to them in the form of the application that provides them access to my credit for which they will receive the face value in XXXX 's upon delivery to a Federal Reserve Agent. This request was denied and I was informed they intended to maintain control of this instrument as well as report to the credit report agencies for a minimum of 24 months after their having accessed my credit history.","date_sent_to_company":"2024-01-02T08:28:12.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"97306","tags":null,"has_narrative":true,"complaint_id":"8091963","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-01-02T07:27:06.000Z","state":"OR","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["My suspicions of <em>Securities</em> Fraud <em>were</em> <em>confirmed</em> when I received a subsequent email outlining their adverse action against my application which details their violations of the Consumer Credit Protection Act, Fair Access to Credit Act, and The Truth In Lending Act by discriminating against me based on my previous good faith exercise of my rights under the Consumer Credit Protection Act."]},"sort":[15.296376,"8091963"]},{"_index":"complaint-public-v1","_id":"2983340","_score":14.857888,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2018, after a phone conversation with XXXX, Account manager, from Chase Bank in regards to my account being closed, I was to get a confirmation letter that my account was to be closed but I never received a letter. So, on XX/XX/2018, I had went to Social Security located at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX at approximately XXXX XXXX. and was represented by agent named XXXX, and to inquire about my benefit payment to confirm about the closed account confirmed to me with Chase bank for XXXX XXXX, ( see attached for Point of Contacting ). The account with Chase Bank was confirmed that it was closed and that the relationship with Chase was confirmed that it ended and that since it's closed, the check paid to me from the U.S. Treasury will be refunded and that was their final conclusion in regards to this account on the date of XX/XX/2018. However, on XX/XX/2018, U.S. Treasury released the funds to that Chase account and did not receive the refund. That's what was informed to me upon checking on the status. So, I was advised to go to a local Chase Bank and get the refund there. On XXXX XXXX, I went into Chase local branch and spoke with Branch Manager, XXXX XXXX, NMLS ID XXXX, and requested released of funds to me or refund the check to the U.S. Treasury due to the account being confirmed by Chase Bank it was closed since XX/XX/2018, and that they ended their relationship and I've showed her all the correspondence that I've received from Chase Bank that they're closing account have been since XX/XX/2018, Chase Bank confirmed that when an account is soon to be closed, it states that it would take 7 to 10 business days for me to receive a confirmation letter and that matter elapsed since the date of that letter. I've done all I could to have Chase Bank refund the check to me in person and even requested that if they can not release the funds to me then return it back to the U.S Treasury but they insisted that they can not do nothing and that they don't have a certified check to make out as a refund. The whole matter is that when Chase Bank confirm that an account has ended its relationship with a client and they admit that its closed, they are to refund any and all checks to the sender or fully refund that check made to that account. I am due a check amount of {$750.00} from U.S. Treasury and Chase Bank is to refund the total amount of that check as confirmed with the Social Security agent from the XXXX location. Chase Bank is a conniving banking corporation and has no morals and no principles with their practices of unprofessional conductings in regards to a clients complaints and failed to address in a professional conduct. I will need Chase Bank to meet their window periods and refund {$750.00} to me immediately or the proper steps will be taken for litigation. Every day that Chase Bank does not refund the amount stated thereof will result in a further fees charged of {$750.00} for every single correspondence and for the effort of retrieving this Fund of {$750.00} including for any out of pocket expense for this matter of complaint or case. I mean I've done all I could since the month of XX/XX/2018 trying my best to resolve the account with Chase Bank there were no progress made but I was getting the run around and that's why I got the Social Security representative to confirm the account for Chase Bank was closed and that they will have to refund the {$750.00} check. I have all that I need that the account was intended for a closing after being verified over the Telephone banking system ( see attachment ( s ) ). I  have requested a Forensic Audit and was declined by the Chase Bank branch manager, XXXX. She left me with no solution instead of kicking me out of the branch. I am further on requesting Chase Bank to release the funds to me by mail as addressed on the confirmed closed account or send my benefit payment for XX/XX/2018, to the sender.","date_sent_to_company":"2018-08-07T17:56:00.000Z","issue":"Closing an account","sub_product":"Other banking product or service","zip_code":"32825","tags":null,"has_narrative":true,"complaint_id":"2983340","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2018-08-03T20:42:08.000Z","state":"FL","company_public_response":null,"sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["So, on XX/XX/2018, I had went to Social <em>Security</em> located at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX at approximately XXXX XXXX. and was represented by <em>agent</em> named XXXX, and to inquire <em>about</em> my benefit payment to confirm <em>about</em> the closed account <em>confirmed</em> to me with Chase bank for XXXX XXXX, ( see attached for Point of Contacting )."]},"sort":[14.857888,"2983340"]},{"_index":"complaint-public-v1","_id":"1939891","_score":14.84013,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to dispute charges of AFNI account # XXXX that stemmed from past due charge at XXXX account # XXXX. I entered into a bundled package with XXXX and XXXX while living in XXXX, CO during the time frame between XX/XX/XXXX and XX/XX/XXXX. We moved to XXXX XXXX in XXXX XXXX and transferred our XXXX account at that time ; however, XXXX did not provide service in XXXX XXXX so we had to terminate the service which we did in XXXX XXXX. We paid our final bill upon leaving XXXX ( which was combined as XXXX bill with XXXX ) and then began paying XXXX XXXX directly. In XXXX XXXX, my agency ran a credit check and I was notified of a delinquent balance that was owed to XXXX. I had never received a bill or notification of this bill of any sort. Although I disagreed with the billing because I knew we paid our final bill, I paid the past due balance. The agent confirmed that our mail was returned and assured me that this would be removed from my credit report given that I had never received a bill. \nAlthough I thought the issue was resolved, yesterday I received a call from my agencies security personnel who asked me about a past due charge from XXXX. I explained the situation and they ran a new credit check to see if it had been removed. They notified me that a {$150.00} past due account was still showing up on the credit report. After multiple phone disconnections and well over an hour of being on hold, I spoke to an AFNI agent and explained the situation. They confirmed that the prior bill had been removed from my credit report, but informed me that there was another account with past due balance of {$150.00}. I was not informed of this in XX/XX/XXXX and, again, have never received any form of notification of this past due balance. Additionally, the AFNI agents were unable to detail what the charges were for. \nI am disputing these charges as I know I paid the last bill in the billing cycle prior to moving and I just paid an additional {$120.00} in XX/XX/XXXX. I do not believe the current charge is legitimate.","date_sent_to_company":"2016-05-24T19:56:52.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"Other (i.e. phone, health club, etc.)","zip_code":"553XX","tags":null,"has_narrative":true,"complaint_id":"1939891","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AFNI INC.","date_received":"2016-05-24T19:56:52.000Z","state":"MN","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["The <em>agent</em> <em>confirmed</em> that our mail was returned and assured me that this would be removed from my credit report given that I had never received a bill. \nAlthough I thought the issue was resolved, yesterday I received a call from my agencies <em>security</em> personnel who asked me <em>about</em> a past due charge from XXXX. I explained the situation and they ran a new credit check to see if it had been removed. They notified me that a {$150.00} past due account was still showing up on the credit report."]},"sort":[14.84013,"1939891"]},{"_index":"complaint-public-v1","_id":"13680283","_score":14.801507,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Since early XX/XX/year>, I have been unable to add money to my PayPal balance from any of my XXXX verifieXXXX XXXX XXXX  accounts or 2 debit cards. Each time, I receive the error : Were having trouble with this transaction. Try again with another debit card or bank account. This occurs on both the mobile app and mobile browser. Only desktop worked for one time only. \n\nOn XX/XX/year>, a PayPal agent confirmed a temporary system block and attempted to override it after phone verification. I was told to wait 4 hours, avoid new attempts, and try again. I did exactly that but the error continued. Follow-up agents then told me it was due to an internal security block that can not be overridden by customer service. \n\nBetween XXXX and XXXX, I contacted PayPal several times through their official messaging platform. I was told : The issue is caused by automated internal security. \nThey can not manually remove or review the block. \nI should wait 48 hours between attempts, which I have done repeatedly. \nI was advised to try using other cards, but I have tried all. \n\nI asked for clarification on what triggered the block, how to avoid it, how long it would last, and if it would ever be removed. PayPal refused to answer directly and provided only generic help articles and scripted replies.\n\nAs a result, I can not use my PayPal Debit XXXX  for in-store purchases, which draws only from PayPal balance . I can not load funds electronically, defeating the purpose of the debit card. My account is verified, my personal information is correct, and I am using my own secure devices and bank accounts.\n\nI am seeking the removal of the internal security block preventing me from adding money to my balance, and a clear explanation from PayPal about why it was imposed and how it can be avoided in the future.","date_sent_to_company":"2025-05-23T05:30:03.000Z","issue":"Problem adding money","sub_product":"Mobile or digital wallet","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"13680283","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-05-23T04:55:27.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am seeking the removal of the internal <em>security</em> block preventing me from adding money to my balance, and a clear explanation from PayPal <em>about</em> why it was imposed and how it can be avoided in the future."]},"sort":[14.801507,"13680283"]},{"_index":"complaint-public-v1","_id":"6510664","_score":14.767802,"_source":{"product":"Debt collection","complaint_what_happened":"I was contacted by GC Services Corporation, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, United States about a Personal Loan Account with XXXX XXXXXXXX XXXX XXXX  located at XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX in the amount of {$3200.00}. \n\nThere were repeated calls from a number that was not identifiable, and I finally called back. I spoke with an XXXX XXXX, who identified herself as being with GC Services Corporation - calling in regards to my XXXX account - she wanted me to give her personal information. When I would only provide the year of my birth- she wouldnt divulge any further information. She wanted my home address in \" XXXX, XXXX \" This is in direct violation of the XXXX contract. At no times can an Agent of XXXX give *any* portion of the members Personal Identifyable Information- which includes name, *any* portion of the full mailing address, or Social Security Number. By providing me the City in which I live, the agent violated my rights as a proud member of the XXXX family. I confirmed these rights as soon as I hung up with XXXX XXXX with a member of the XXXX Staff and asked him to document my file accordingly. \n\nI have fallen into very difficult times- which XXXX is keenly aware, as I have multiple accounts with them. In addition, I was a XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and am very aware of the FDCPA, and of the privacy laws that the industry is governed by. Just because GC Services has loosened THEIR standards, it does not change the fact that my rights were violated, and XXXX 's policies were not administered correctly by the agent. \n\nI am very seriously considering taking legal action at this point with my attorney, as this can not possibly be a random act by either this agent- or the company. I strongly suggest that XXXX request every call from this agent for call monitoring, and from the group that handles these accounts as well - as management must have grown lax for such a privacy breach like this to occur. \n\nI am open to negotiating a settlement of this matter before legal action takes place - either XXXX or a member GC Services management or legal team can contact me in writing at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX or by phone at XXXX XXXX you must leave a message please, or call form a published number that identifies you - i will not answer blocked or private numbers.","date_sent_to_company":"2023-01-31T20:12:45.000Z","issue":"Communication tactics","sub_product":"Credit card debt","zip_code":"77044","tags":null,"has_narrative":true,"complaint_id":"6510664","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ORG GC GP BUYER, LLC","date_received":"2023-01-31T19:12:24.000Z","state":"TX","company_public_response":null,"sub_issue":"Frequent or repeated calls"},"highlight":{"complaint_what_happened":["At no times can an <em>Agent</em> of XXXX give *any* portion of the members Personal Identifyable Information- which includes name, *any* portion of the full mailing address, or Social <em>Security</em> Number. By providing me the City in which I live, the <em>agent</em> violated my rights as a proud member of the XXXX family. I <em>confirmed</em> these rights as soon as I hung up with XXXX XXXX with a member of the XXXX Staff and asked him to document my file accordingly."]},"sort":[14.767802,"6510664"]},{"_index":"complaint-public-v1","_id":"6510741","_score":14.74537,"_source":{"product":"Debt collection","complaint_what_happened":"I was contacted by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, United States about a Personal Loan Account with USAA Savings Bank - located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX in the amount of {$3200.00}. \n\nThere were repeated calls from a number that was not identifiable, and I finally called back. I spoke with an XXXX XXXX, who identified herself as being with XXXX XXXX XXXX - calling in regards to my USAA account - she wanted me to give her personal information. When I would only provide the year of my birth- she wouldnt divulge any further information. She wanted my home address in \" XXXX, XXXX \" This is in direct violation of the USAA contract. At no times can an Agent of USAA give XXXX portion of the members Personal Identifyable Information- which includes name, *any* portion of the full mailing address, or Social Security Number. By providing me the City in which I live, the agent violated my rights as a proud member of the USAA family. I confirmed these rights as soon as I hung up with XXXX XXXX with a member of the USAA Staff and asked him to document my file accordingly. \n\nI have fallen into very difficult times- which USAA is keenly aware, as I have multiple accounts with them. In addition, I was a collection manager for over 30 years, and am very aware of the FDCPA, and of the privacy laws that the industry is governed by. Just because XXXX XXXX has loosened THEIR standards, it does not change the fact that my rights were violated, and USAA 's policies were not administered correctly by the agent. \n\nI am very seriously considering taking legal action at this point with my attorney, as this can not possibly be a random act by either this agent- or the company. I strongly suggest that USAA request every call from this agent for call monitoring, and from the group that handles these accounts as well - as management must have grown lax for such a privacy breach like this to occur. \n\nI am open to negotiating a settlement of this matter before legal action takes place - either USAA or a member XXXX XXXX management or legal team can contact me in writing at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX or by phone at XXXX XXXX you must leave a message please, or call form a published number that identifies you - i will not answer blocked or private numbers.","date_sent_to_company":"2023-01-31T20:12:56.000Z","issue":"Communication tactics","sub_product":"Credit card debt","zip_code":"77044","tags":null,"has_narrative":true,"complaint_id":"6510741","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2023-01-31T20:12:52.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Frequent or repeated calls"},"highlight":{"complaint_what_happened":["At no times can an <em>Agent</em> of USAA give XXXX portion of the members Personal Identifyable Information- which includes name, *any* portion of the full mailing address, or Social <em>Security</em> Number. By providing me the City in which I live, the <em>agent</em> violated my rights as a proud member of the USAA family. I <em>confirmed</em> these rights as soon as I hung up with XXXX XXXX with a member of the USAA Staff and asked him to document my file accordingly."]},"sort":[14.74537,"6510741"]},{"_index":"complaint-public-v1","_id":"5177387","_score":14.55234,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On Saturday morning XX/XX/XXXX, I was alerted through the Bank of America Mobile Banking app that there was suspicious activity on my card and to check the account. I logged onto the app and saw 4 unfamiliar transactions from Friday XX/XX/XXXX that had posted that morning. I had the card in question in my physical possession, but those purchases were not made by me. \n\nI immediately processed those 4 charges are fraud through the app, then called Bank of America. Bank of America confirmed that the fraud claim was received through the app, the charges in question were temporarily credited, they closed my current card, a new card was mailed to me, and an investigation into the fraud would be opened. I continued to monitor my account, but no further fraud transactions were made. I received the new card and continued making purchases business as usual. \nOn Sunday XX/XX/XXXX, I noticed in my Mobile Banking app that the fraud charges were reinstated as fees on my account. On Monday XX/XX/XXXX at XXXX, I called Bank of Americas fraud customer service . I opted for a callback and kept my place in line. They called me back at XXXX. I was advised that the charges were validated because they determined that the cards chip was actually inserted at the point of sale. Because I was in possession of the card at the time of the fraudulent purchase, and the representative said that it was virtually impossible to replicate a chip, they reversed the fraud claim and charged me. \n\nI asked about next steps to fix this. The representative advised that Bank of America would reopen my fraud claim for further investigation. She also said that I could file a police report and let Bank of America know the police report number once it was filed. I filed police report # XXXX with Detective XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) and this information was shared with Bank of America immediately. \nI also filed an identity theft report with the Federal Trade Commission today, Monday XX/XX/XXXX. I was able to XXXX the store numbers ( from my bank statement ) for the XXXX and XXXX stores where the transactions happened to figure out the addresses and phone numbers. These are in the area where I live, but I have never visited either store. I reviewed my bank statements for all of XXXX and confirmed that the only purchases made at either store were these fraudulent transactions in question. \nAll of the details I know of the fraudulent transactions are below : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX ( I called them this morning XX/XX/XXXX to see if they can pull a receipt, they said they were really busy and to try to call back for them to check the videos and computer. On call back, the manager advised that customers are unable to review security footage or POS signatures, the police would need to request them. ) 2 separate transactions on FRIDAY XX/XX/XXXX for {$100.00} and {$200.00} XXXX # XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX ( I have not tried to call them. I provided the store information in the police report. ) 2 separate transactions on FRIDAY XX/XX/XXXX for {$64.00} and {$62.00} On XX/XX/XXXX, Bank of America resolved one charge for {$62.00} as confirmed fraud but none of the others. I spoke with BOA agent XXXX the same day and requested written documentation of all information used in deciding to deny/approve these transactions as fraud. The agent was unable to tell me if or when BOA contacted the police department for the necessary information. I requested that the police report information be attached and that the Regulation E claim be re-filed with Bank of America. The agent agreed and re-opened the claim for the 4th consecutive time. I advised the agent that I would be filing a CFPB complaint today.","date_sent_to_company":"2022-02-02T18:12:40.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"19128","tags":"Servicemember","has_narrative":true,"complaint_id":"5177387","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-02-02T17:46:55.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I had the card in question in my physical possession, but those purchases <em>were</em> not made by me. \n\nI immediately processed those 4 charges are fraud through the app, then called Bank of America. Bank of America <em>confirmed</em> that the fraud claim was received through the app, the charges in question <em>were</em> temporarily credited, they closed my current card, a new card was mailed to me, and an investigation into the fraud would be opened."]},"sort":[14.55234,"5177387"]},{"_index":"complaint-public-v1","_id":"7236571","_score":14.502607,"_source":{"product":"Checking or savings account","complaint_what_happened":"I started receiving emails from the Bank of America regarding the opening of an account on XX/XX/XXXX and several subsequent emails over the next several days. Immediately after receiving these emails, I forwarded them to Bank of America 's published Fraud email ( XXXX ) as I could not verify whether these were legitimate emails or phishing emails. Bank of America did not respond to any of the 7emails forwarded to them.\n\nSeveral weeks later, my father mentioned that he had received several letters from Bank of America addressed to me at his address. I asked him to open them and send me copies. After reviewing the information sent by BofA, it appeared that someone had opened a checking account with my information. I immediately contacted BofA and was transferred to their fraud department, where the agent confirmed that an account was opened in my name online on XX/XX/XXXX and shut down by BofA on XX/XX/XXXX after the bank was unable to verify my identity. Unfortunately, 4 transactions were completed, 3 XXXX transfers to the account and 1 withdraw, somewhere in Washington XXXX. BofA went over the transaction details on the account, including providing me the names of the 3 people who were defrauded. At this point, I began to ask the agent questions about the policies of BofA. Specifically, why someone would be allowed to use the account before BofA was able to verify their identity. The agent told me that they allow online customers to immediately access their products for \" convenience. '' I pointed out that it's not very \" convenient '' for people like me who are victims of identity theft of for the 3 individuals who were defrauded of money because BofA decided to make it \" convenient '' for someone to commit fraud. I then mentioned that, in one of the mailed letters, I received a debit card for the account and inquired how a person who only recently opened an account online could make a withdraw from an ATM without a debit card. The agent again replied, we give new customers access to a virtual debit card for \" convenience '' until their physical card arrives. I again pointed out the flawed policy, which clearly prioritizes their products over the public interest of combatting fraud. The agent acknowledged that they are aware of the issue and that a new policy was set to be rolled out in XXXX. \n\nI am very disturbed that a financial company as large as Bank of America would be so caviler about combatting fraud that they would be aware of a glaring issue with their policies and slowly roll out a patch. Moreover, the fact that a 'customer ' can open up an online account, gain access to the features of the account, and access virtual debit cards all before the bank even confirms the person is who they claim to be feels negligent. They have an entire department devoted to Fraud Prevention and yet they knowingly have a policy that allows people to commit fraud because they are prioritizing their products over people 's security.","date_sent_to_company":"2023-07-11T17:18:22.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Checking account","zip_code":"49546","tags":null,"has_narrative":true,"complaint_id":"7236571","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-07-11T16:25:32.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with product or service terms changing"},"highlight":{"complaint_what_happened":["At this point, I began to ask the <em>agent</em> questions <em>about</em> the policies of BofA. Specifically, why someone would be allowed to use the account before BofA was able to verify their identity."]},"sort":[14.502607,"7236571"]},{"_index":"complaint-public-v1","_id":"9244875","_score":14.253614,"_source":{"product":"Credit card","complaint_what_happened":"During the first week of XXXX, I received an email from Carnival World Mastercard ( a Barclays credit card ) for a promotional offer of no-interest for a year on balance transfers. On XX/XX/XXXX, I logged into the website, entered my XXXX XXXX XXXX  XXXX number ( a XXXX credit card ending in XXXX ), and requested the balance of {$3800.00} be transferred to my Carnival card ( herein CWMC ). I did not receive any confirmation email regarding this transfer, but assumed all went as planned. On XX/XX/XXXX, I logged into mXXXX XXXX XXXX XXXX XXXX ( herein XXXX ) and paid the balance that was due : {$3800.00}. That was when I realized that this {$3800.00} balance was not supposed to be on this card but transferred to my CWMC. I logged into my CWMC, and the account activity showed a balance transfer of {$3800.00} plus a fee of {$150.00} processed on XX/XX/XXXX. \n\nI immediately called CWMC customer service and reported that the balance transfer did not pay off my XXXX. I was advised that a case would be submitted and I would receive a letter in the mail in up to 21 days. I waited until day 21 ( XX/XX/XXXX ), then called again. I was advised that no case existed. I explained the situation to this agent and was advised that there is a balance transfer showing. So, I explained that it is showing, but it did not pay off the card it was allotted to pay off. The agent said they understood and would submit a new case ( XXXX ) and that I would get a letter in the mail in up to 21 days regarding this case. A few days later, I received a voicemail requesting a call-back to the Customer Security department XXXX I called the number provided, but it sent me to a fax line. I then called the number on the back of my CWMC card and asked to be transferred to the Customer Security department. This request was denied, so provided the agent the case number and was advised that the previous agent left a note on the case. The note stated that an inquiry was made to one of the financial departments. This inquiry uncovered an error related to the balance transfer recipients account number. The agent with whom I was speaking asked me to confirm the account number I entered to receive the balance transfer ( XXXX ) and I was advised that it did not match the recipient account number on file ( XXXX ). I told the agent that the account number they had on file is not known to me and is not the account number I requested to receive the balance transfer funds. In addition, the balance had already been paid and the transfer was no longer necessary. The agent confirmed that they understood the issue and would update the case notes accordingly, then I would receive a letter regarding the case in up to 21 days. \n\n\nTowards the end of XXXX, I received a letter dated XX/XX/XXXX that simply stated they were unable to complete [ my ] request. I followed up with CWMC regarding this letter on XX/XX/XXXX and spoke with XXXX. She advised me that the case has been closed due to being incorrectly marked as a fraud claim. I explained the issue to her and was advised that a new case would need to be opened. Due to the frustrating nature of this ordeal, I asked to speak with a supervisor and was transferred to her manager, XXXX ( operator ID : XXXX ). Again, I explained the situation and XXXX opened a new case ( XXXX ). I confirmed with XXXX that a balance transfer had been requested to pay off my XXXX, but the XXXX  had not received any funds and I had paid off the balance myself. Subsequently, the balance transfer was no longer needed and should be cancelled altogether. I also confirmed with XXXX that the recipient account number on the balance transfer for the XXXX  did not match the number on my card. She seemed to fully grasp the situation and assured me that she would call me back during the early part of the following week. \nOn XX/XX/XXXX, I received another letter. This time, the letter had the case number on it and simply stated that the disputed transaction was being investigated and it could take up to 60 days. I called on XX/XX/XXXX and asked to be transferred to XXXX, as she had been working on my case. I was told that it was not possible to be transferred to a specific agent and that I needed to continue waiting. There were no updates on the case file at this point. \n\nAfter this call, I realized that the XXXX XXXX XXXX XXXXXXXX used to be a XXXX XXXX. Fortunately, I found an old book of passwords and was able to confirm that my original XXXX XXXX ended in XXXX. This morning, XX/XX/XXXX, I called XXXX and verified that the XXXX account number XXXX is no longer valid due to all the accounts being transferred over to XXXX XXXX XXXX. The representative made a note of this call and that CWMC could call and confirm the account was not active ( reference number XXXX ). Next, I called CWMC and advised them that the recipient account number on the balance transfer is not a valid account number. The agent said they would make a note and that I still had to wait one to two billing cycles to hear back about this issue. There were not updates on the case file and no indication that anything had been done or that anyone was working on my case. \n\nIt was confirmed in the first week of XXXX there was an error on the balance transfer, which indicated it was likely not successful. I have even been able to verify that the recipient account number is in fact an invalid account number, but they still havent resolved the issue or removed the balance from my account. In addition, CWMC refused to pause the minimum payment requirement. So, despite the fact that CWMC has paid out no money, I am required to make payments on a balance transfer that never happened. \n\nAny assistance you could provide would be greatly appreciated.","date_sent_to_company":"2024-06-12T18:42:57.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"32778","tags":"Older American","has_narrative":true,"complaint_id":"9244875","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2024-06-12T18:00:02.000Z","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 with balance transfer"},"highlight":{"complaint_what_happened":["The <em>agent</em> said they would make a note and that I still had to wait one to two billing cycles to hear back <em>about</em> this issue. There <em>were</em> not updates on the case file and no indication that anything had been done or that anyone was working on my case. \n\nIt was <em>confirmed</em> in the first week of XXXX there was an error on the balance transfer, which indicated it was likely not successful."]},"sort":[14.253614,"9244875"]},{"_index":"complaint-public-v1","_id":"5092083","_score":14.252596,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"This is a complaint about the commercial credit fraud division of Capital One bank. I was at home on XXXX  XX/XX/XXXX when pending charges appeared on my Business credit card account. At XXXX pm I alerted Capital One of the fraudulent charges. They were pending at the time so no further information was available. \nThe charges were for {$27.00} at XXXX clothing store and {$11.00} at XXXX XXXX XXXX XXXX separately occurring on location in XXXX, NJ which is a nearby city. The Available information online suggests XXXX XXXX is a gas station or car mechanic attached to XXXX, the address provided to capital one was that of a car dealership. This information was readily available on XXXX maps. A phone call to XXXX XXXX went unanswered and XXXX  answered and confirmed they do not open until XXXX. \nI was initially issued a credit for these charges and a new updated card. I was quarantining at home on the day in question ( XX/XX/XXXX ) and know full well I was not at those locations. Furthermore, information on my credit statement show both the chip transaction occurred at XXXX XXXX morning the XXXX of XXXX. These businesses have distinct addresses that would make it impossible to transact with simultaneously. Not only that, the clothing store does not open until XXXX. Even if they were batched from the weekend I was not in the city of XXXX at any point in recent memory. Capital One confirmed the strangeness of the charges on my initial report, noting the card was used in a chip reader. \nOn XX/XX/XXXX Capital one reversed the credits provided to me and sent a letter claiming they had performed an investigation and determined NO Fraud took place, further citing they believed me or another account holder may have benefited from the transaction. They provided no corroborating evidence and conducted no interviews either in person or on the phone. This is despite the evidence I provided. \nThe only claim Capital One asserts is that their chip functions can not be copied or stolen. The claim was said with the same confidence and hubris as the XXXX can not sink when I reported this on XX/XX/XXXX to a customer service agent who then elevated me to a supervisor named XXXX. This is after I was placed on a XXXX minute hold to speak with an agent about the letter on XX/XX/XXXX that was eventually disconnected without speaking to anyone. XXXX, the supervising agent further told me that the investigation was concluded and I could not reopen it. Several minutes later he said if I had documentation to support my claim I could submit it to them and they would evaluate it. Again, his only response to my claims that I did not make the purchases in question was that the chips were impossible to commit fraud with. I asked him for all the information he had on the case to be shared with me. \nEven confirming the time discrepancy and my assertion that the card was in my possession while I was quarantined at home ( and asleep at XXXX for that matter ) and that one of the businesses was far from the other still did not sway his conviction that fraud was impossible. This flies in the face of their fraud protection guarantees. Even worse, this accuses me of criminal activity in falsely reporting theft and committing credit card fraud myself. The agents I spoke with confirmed the only research performed by the fraud investigators was the above assertion of perfectly secured chips and the fact that I told an agent on the initial fraud call that I had the card in hand at the time of the phone call. Even a hypothetical situation where my card was stolen from my wallet and used, then replaced without my knowledge, still was not enough fraud or impetus to reopen the claim according to their policies. \nThey did not call the businesses in question ( as I did ), they did not research the legitimacy of the establishments ( as I and XXXX did ), Capital One did not confirm any security camera footage or produce batch receipts from the businesses in question, and they certainly did not conduct a fair and thorough review of my claims. Further insinuating that I improperly benefited from these small transactions and barring me from disputing or appealing their investigators finding is even more troublesome than the initial fraudulent charges. This suggests I am not the only one who has been treated this way. It also suggests gross negligence on behalf of Capital One Bank, a major American financial institution, in dereliction of oversight on commercial credit accounts. They have violated their fraud guarantee and covenant with me and my business.","date_sent_to_company":"2022-01-11T00:03:03.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"07407","tags":null,"has_narrative":true,"complaint_id":"5092083","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2022-01-10T22:41:05.000Z","state":"NJ","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["The claim was said with the same confidence and hubris as the XXXX can not sink when I reported this on XX/XX/XXXX to a customer service <em>agent</em> who then elevated me to a supervisor named XXXX. This is after I was placed on a XXXX minute hold to speak with an <em>agent</em> <em>about</em> the letter on XX/XX/XXXX that was eventually disconnected without speaking to anyone. XXXX, the supervising <em>agent</em> further told me that the investigation was concluded and I could not reopen it."]},"sort":[14.252596,"5092083"]},{"_index":"complaint-public-v1","_id":"5488110","_score":14.118616,"_source":{"product":"Checking or savings account","complaint_what_happened":"RE : Ally bank Money market account is locked 2 weeks after receiving the transferred funds. \n\n\nDear Madam/ Sir, I successfully opened the Money Market account online at Ally bank, providing requested documentation and once I have received the confirmation from Ally bank, I transferred {$150000.00} to this account on XX/XX/22. Subsequently I have received the debit card as well as check book. \n\nOn XX/XX/22 at XXXX XXXX, I have received an email from Ally bank indicating : Your telephone PIN has been changed. If you didnt make this change, call us immediately at XXXX. \nI replied to the email that I have not made any changes to the account and since I have never set any telephone PIN, I was positive that this is a phishing email. Since I have not received any response by email, I called the customer service on XX/XX/22 and XX/XX/22. \n\nDespite providing repeatedly my name, SS, DOB, address, mothers maiden name and security question that I set up during opening the account, to at least dozen of agents and their supervisors, who refused to provide any information and transferred me to an agent at the \" loss prevention department ''. She asked the same identification questions. As these were not enough to identify me, she inquired about my height. At this point, it was not clear to me where this was going and how my height would be an identifier and the purpose of this phishing email sent by the Ally bank to lead to this type of interaction. \nThis agents interaction was far from a professional employee of a reputable bank and her rudeness was astonishing at a point that I felt unease about who Ally bank hires, where are they operating from, what are their backgrounds and what kind of training or education do they have, if any and whether the security of the sensitive data of a customer is of any importance to the Ally bank leadership. She mentioned I will receive an email. The email was different from an official letter from a traditional bank and was written in a casual manner with lots of abbreviations, requesting to upload and send her on an \" unsecured email '' the SS, DL, A selfie holding DL, UB. \nSubsequently, I realized that she locked my account. \n\nOn XX/XX/22 I received another email from Ally bank to call loss prevention department at XXXX. I called on XX/XX/22 and gave the agent SS, DOB, address, security question, mothers name. Nevertheless, if all these informations were not enough, she asked to send documents requested before, over an unsecured email. When I questioned why these documents were not requested at the time of opening of the account. She simply hanged up. \n\nI called a supervisor and she mentioned I will be contacted by an specialist. It has been a week and I have not received any correspondents from anyone at Ally bank, while my account and money is sequestered by this corporation. \n\nI am not clear how does the leadership at Ally bank provide safeguard and data security and prevention of data breach of the customers when any customer service agent directly requests and has easy access to these data on their personal computer at home during the phone conversations that could be easily stored and hence leading potentially to data breach. \nIt seems Ally bank hires very young and inexperienced employees without proper training to work remotely to increase profitability of the corporation with complete disregard of possibility of the data breach for the customers and lack of confidentiality. \nFurthermore, what has been striking is the lack of customer care or complaint department. In 21st century, they provide the customers with a po box mailing address to file a complaint, clearly to deter customers to do so.That speaks loudly for the approval of the leadership of this corporation regarding this well organized process to harass the customers and trapping their funds and profiting by investing on the well locked funds after so called misleading \" successful account opening ''. \n\nI am conflicted and concerned about the purpose of the misleading phishing like e-mail, in attempt to force the customers to call the customer service, in order to lock their account and funds, regardless of all the identifiers confirmation. This was mentioned and confirmed at least by two agents, stating : Thats what Ally bank does. \nIn addition, searching online, I encountered many similar complaints from customers receiving the exact phishing like email message after successful opening of the account and transferring the fund. Some people felt courageous to send their sensitive documents via unsecured email. Nevertheless, their account remained locked and their funds were sequestered by Ally bank. \n\nI would like to get advise as why these documents were not requested and authenticated at the time of opening of the account before the approval and transferring funds. I wonder how this is explained and legally approved at their state and federal regulatory compliance requirement. \n\n\nAt this point, I do not feel comfortable to upload my sensitive documents on an unsecured email and much less I feel very uneasy to send them to the employees at the loss prevention department. In case they require to provide more documentation for closure than opening the account, I do prefer to upload them securely online at Ally website, as I have done for opening the account. However, I do not have access to my online account, since it has been locked. \n\nI greatly appreciate your advise and assistance in this matter and thank you in advance.","date_sent_to_company":"2022-05-11T17:19:14.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"23322","tags":null,"has_narrative":true,"complaint_id":"5488110","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2022-04-24T01:31:57.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Despite providing repeatedly my name, SS, DOB, address, mothers maiden name and <em>security</em> question that I set up during opening the account, to at least dozen of <em>agents</em> and their supervisors, who refused to provide any information and transferred me to an <em>agent</em> at the \" loss prevention department ''. 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