{"took":150,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":324,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4177490","_score":25.90151,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I currently use cash App. I have my monthly XXXX benefits direct deposited. For months Cash App has been releasing my benefits at the end of the month, when it's deposited on the XXXX of each month. I never received my direct deposit for the month of XXXX I should have recived {$790.00}. Ive spoken with the department of social security and XXXX they informed me they issued my benefits on the XXXX of XXXX and Cash App has received it, but it was never deposited to my account. The department of SS and XXXX also reached out to them to send the payment back but there was no response. I emailed 2 representatives from cash app, They both were giving me the run around saying they never received it when I know for a fact that they have.","date_sent_to_company":"2021-03-02T17:11:19.000Z","issue":"Money was not available when promised","sub_product":"Domestic (US) money transfer","zip_code":"32211","tags":null,"has_narrative":true,"complaint_id":"4177490","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2021-03-02T16:53:24.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I <em>currently</em> use cash App. I have my monthly XXXX <em>benefits</em> <em>direct</em> <em>deposited</em>. For months Cash App has been releasing my <em>benefits</em> at the end of the month, when it's <em>deposited</em> on the XXXX of each month. I never received my <em>direct</em> <em>deposit</em> for the month of XXXX I should have recived {$790.00}. Ive spoken with the department of social <em>security</em> and XXXX they informed me they issued my <em>benefits</em> on the XXXX of XXXX and Cash App has received it, but it was never <em>deposited</em> to my account."]},"sort":[25.90151,"4177490"]},{"_index":"complaint-public-v1","_id":"18438186","_score":25.22303,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/year> - I received a promotion from Capitol One to open a 360 Checking Account and obtain a {$250.00} bonus. Their requirement : set up direct deposit, and after XXXX deposits are received the account will be credited. The promotion rules specifically state that SOCIAL SECURITY deposits qualify. \n\nI opened the account, funded it, and within XXXX hour I went onto the Social Security website and changed my monthly benefit to go into the new Capitol One account as direct deposits. \n\nXX/XX/year> - Capitol One sent me an email saying they must receive XXXX direct deposits by XX/XX/year> or I will not get the {$250.00} bonus. This is impossible with Social Security deposits. Social Security will not process the first XXXX direct deposits until XX/XX/year> and XX/XX/year>. \n\nThese requirements are in direct opposition to Capitol One 's statement that SOCIAL SECURITY deposits qualify for the promotion. \n\nI spoke with a representative and a supervisor at Capitol One and they refuse to help me. They will not extend the time for the XXXX direct deposits to be received. \n\nGiven this contradiction I asked them to change me to a different currently ongoing promotion which instead required me to make XXXX debit card transactions in 75 days to get the {$250.00}. This is totally within my control. But Capitol One refuses to change me to those more attainable conditions. \n\nI have suggested XXXX different reasonable ways for Capitol One to honor the promotion that they offered me, and which I accepted in good faith. They are unwilling or unable to consider either, and unwilling to escalate this to someone at Capitol One who is empowered to address my concern. \n\nI feel that this constitutes abuse/preying on the elderly, to offer us {$250.00} for depositing our monthly Social Security benefit with them when that is not in any way feasible, given the slow process the SSA has for changing the bank that it sends deposits to.","date_sent_to_company":"2026-01-03T04:20:23.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"98382","tags":null,"has_narrative":true,"complaint_id":"18438186","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-01-03T04:14:09.000Z","state":"WA","company_public_response":null,"sub_issue":"Didn't receive terms that were advertised"},"highlight":{"complaint_what_happened":["Their requirement : set up <em>direct</em> <em>deposit</em>, and after XXXX <em>deposits</em> are received the account will be credited. The promotion rules specifically state that SOCIAL <em>SECURITY</em> <em>deposits</em> qualify. \n\nI opened the account, funded it, and within XXXX hour I went onto the Social <em>Security</em> website and changed my monthly <em>benefit</em> to go into the new Capitol One account as <em>direct</em> <em>deposits</em>."]},"sort":[25.22303,"18438186"]},{"_index":"complaint-public-v1","_id":"9289257","_score":24.46333,"_source":{"product":"Debt collection","complaint_what_happened":"Debt from previous employer was submitted to. Department of Treasury whom begin garnish XXXX check ( which is direct deposited into bank account ) I the. Received collection letter from conserve collection. The total amount they gave me was over half less then what the Treasury amount was just the previous month. I told them I never got the first letter from them and requested a verification of debt from conserve over the phone and was told they can't give me anything in writing. Copy 's of the first letter was sent but nothing indicated about the verification. I also stated that the Treasury is still garnish my check there response was the Treasury can do what they want and the fdcpa doesn't apply to them.even if I dispute debt they would still garnish.I called The Treasury and was told all communication were to be done through conserve and they wasn't stoping garnish until debt was paid off Support of complaint From cfpb website and Treasury Fiscal Service and its private collection agencies ( PCAs ) will assist the federal agencies by identifying debtors eligible for XXXX. A federal agency may not garnish wages if a debtor has not been in their current job for at least 12 months and was involuntarily separated from their previous job. In addition, Fiscal Service and its PCAs will monitor collections under the XXXX order to ensure employer compliance From there website, I was involuntary separated from previous job and not working so at current job for 0 months https : //www.fiscal.treasury.gov/cross-servicing/awg/awg-background.html This is from cfpb website : Social Security and Social Security XXXX XXXX XXXX XXXX ) can sometimes be garnished to pay money you owe to the government, such as back taxes or federal student loans, and money you owe for child or spousal support. \n\n\nThe key to making sure your federal benefits are legally protected from being frozen or garnished is to use direct deposit to put the money into your account or prepaid card. You can sign up anytime to have federal benefits direct deposited to your bank account or loaded onto a prepaid card. \n\n\n\nAs long as I am using direct deposit, which federal benefits are protected? \n\nMoney you receive and direct deposit to your account or card from the following government programs is protected : XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) benefits Veterans benefits Civil service and federal retirement and XXXX benefits Servicemember pay Military annuities and survivor benefits Federal student aid Railroad retirement benefits Financial assistance from the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-06-18T19:33:52.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"96797","tags":null,"has_narrative":true,"complaint_id":"9289257","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Continental Services Group, Inc. d/b/a ConServe","date_received":"2024-06-18T19:02:23.000Z","state":"HI","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["The key to making sure your federal <em>benefits</em> are legally protected from being frozen or garnished is to use <em>direct</em> <em>deposit</em> to put the money into your account or prepaid card. You can sign up anytime to have federal <em>benefits</em> <em>direct</em> <em>deposited</em> to your bank account or loaded onto a prepaid card. \n\n\n\nAs long as I am using <em>direct</em> <em>deposit</em>, which federal <em>benefits</em> are protected?"]},"sort":[24.46333,"9289257"]},{"_index":"complaint-public-v1","_id":"5145088","_score":24.4087,"_source":{"product":"Checking or savings account","complaint_what_happened":"Habitually and repeatedly U.S. Bancorp National Association engages in the business practice that employs discrimination by the source of the income and promotes itself under the promise of false benefit. \nCurrently and consistently in the past, U.S Bank runs the promotion that promises New Account holders Signup Bonus where the terms of the promotion are met. \nThe terms of the promotions \" XXXX '' and \" XXXX '' are as typical as \" open a new eligible U.S. Bank checking account and complete required activities ''. Where activities required are specified as \" You must also complete two or more direct deposits within 60 days of opening your account that total : {$2500.00} to {$4900.00} to earn the {$200.00} bonus or {$5000.00} or more to earn the {$400.00} bonus '' and direct deposit is defined as : '' A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, from your employer or the government. '' \" TWO OR MORE direct deposits within 60 days of opening your account '' requirement is onerous and discriminating against consumer receiving benefits on the monthly basis. \nSuch requirement amounts to a False Promise of the Bonus to the recipients of Social Security Benefits. \nI originally opened checking account in XX/XX/2021 just to realize that as Social Security Benefits Recipient I can not meet the requirement and complete require activities. Social Security Administration requires TWO Monthly payment cycles for the direct Deposit Information to be updated and the \" electronic deposit '' is sent to \" new eligible U.S. Bank checking account ''. Because of the monthly payout of the Social Security Benefits, there is no possibility that Second Direct Deposit can be completed by such consumer within 60 days. \nI had to close my relationship with U.S. Bank within few weeks without attempting any activities and receiving any \" Welcome Offer '' from U.S. Bank. The initial account deposit was promptly refunded in XX/XX/2021 I made another attempt to establish banking relationship with U.S. Bank in XX/XX/2021. Because I have another Monthly Retirement Benefit source of the Direct Deposit I had to time new checking account opening and I managed to complete the required activities. That time the \" Welcome fall with a {$400.00} offer '' was denied since the eligibility condition as \" Offer is not valid if you ... '' was extended from \" had a U.S. Bank consumer checking account in the last six months '' in \" XXXX '' to \" had a XXXX Bank consumer checking account in the last TWO years '' in \" XXXX ''. \n\nSince I made my objections known to the U.S. Bank consumer banking representatives, I was refused the disclosure about U.S. Bancorp Regulators but was advised that I can submit my grievances writing to U.S. Bancorp internal review or to XXXX XXXX XXXX as the Bank 's preferred agency. \n\nTo make the matter aggravating, the communication with U.S. Bank Email Operations was incomprehensible. It appears that US!!!! Bank Customer Support is using XXXX XXXX for to communicate in XXXX. \n\nFurther about I refused to let U.S. Bank to address matter internally since my belief that I am not the only consumer discriminated and I don't see compelling reasons why any Bank in US would have such onerous and deceptive business practices.","date_sent_to_company":"2022-01-24T23:26:01.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"070XX","tags":null,"has_narrative":true,"complaint_id":"5145088","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2022-01-24T21:33:14.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or missing disclosures"},"highlight":{"complaint_what_happened":["Where activities required are specified as \" You must also complete two or more <em>direct</em> <em>deposits</em> within 60 days of opening your account that total : {$2500.00} to {$4900.00} to earn the {$200.00} bonus or {$5000.00} or more to earn the {$400.00} bonus '' and <em>direct</em> <em>deposit</em> is defined as : '' A <em>direct</em> <em>deposit</em> is an electronic <em>deposit</em> of your paycheck or government <em>benefits</em>, such as Social <em>Security</em>, from your employer or the government. '' \" TWO OR MORE <em>direct</em> <em>deposits</em> within 60 days of opening your"]},"sort":[24.4087,"5145088"]},{"_index":"complaint-public-v1","_id":"20332994","_score":23.594574,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a complaint against Truist Bank regarding multiple missing Social Security deposits. \n\nI receive Social Security benefits through direct deposit. The Social Security Administration has confirmed and provided proof that four separate payments were successfully deposited into my Truist bank account.\n\nI went to a Truist branch to request removal of a joint account holders name. Instead of completing this request, my account was closed. Since that time, I have not had access to my funds and have not been informed of their location.\n\nDespite having proof that these deposits were accepted by Truist, I have been unable to obtain any clear answers from the bank. \n\nMy attempts to resolve this issue include : Visiting a branch where I was refused assistance because I do not speak XXXX Visiting another branch where I was told my name does not match the account and no further assistance was provided Repeated efforts to determine where my Social Security funds are currently being held At this time, Truist Bank has accepted XXXX federal benefit payments and has failed to provide access to the funds or explain where they are. \n\nI am requesting : A complete trace of all XXXX Social Security deposits The exact current location/status of each deposit Immediate release of all funds owed to me A written explanation of why my account was closed when I only requested removal of a name A written explanation regarding denial of service due to a language barrier These are federally protected Social Security XXXX XXXX and the lack of access to these funds is causing financial hardship. \n\nI am requesting urgent resolution.","date_sent_to_company":"2026-03-17T15:01:40.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"22041","tags":"Older American","has_narrative":true,"complaint_id":"20332994","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2026-03-17T14:49:18.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I am filing a complaint against Truist Bank regarding multiple missing Social <em>Security</em> <em>deposits</em>. \n\nI receive Social <em>Security</em> <em>benefits</em> through <em>direct</em> <em>deposit</em>. The Social <em>Security</em> Administration has confirmed and provided proof that four separate payments were successfully <em>deposited</em> into my Truist bank account.\n\nI went to a Truist branch to request removal of a joint account holders name. Instead of completing this request, my account was closed."]},"sort":[23.594574,"20332994"]},{"_index":"complaint-public-v1","_id":"3465416","_score":22.627365,"_source":{"product":"Checking or savings account","complaint_what_happened":"I opened a checking account with Key Bank on XX/XX/2019 based on a mail solicitation I had received to open such an account. As an incentive to opening the account the mailing promised a {$500.00} credit if you make \" ONE single KeyBank direct deposit of {$500.00} or more within 60 days after account opening. * \". Obviously, receiving the {$500.00} credit was my primary motivation for the action I took. \nWhen I read the fine print of the mailing it noted that the only acceptable direct deposits were \" payroll, Social Security, pension and government benefits ''. Today ( XX/XX/2019 ) I contacted Social Security ( online ) and redirected my monthly Social Security check to my new Key Bank account. After entering the required information on the Social Security web site, it informed me that the first deposit to Key Bank would be with my XXXX payment ( XXXX was not an option ). My XXXX payment would not occur, however, until on or about XX/XX/XXXX. Thus I would not be able to qualify under their 60 day rule. \nSince this was only a day or two later than the 60 day requirement, and since I was probably not the first retiree to encounter this situation, I was hopeful that they would make an accommodation for my good faith effort to get the direct deposit ( which, of course, would be a recurring deposit ) into my new account. I was wrong. I made this determination when I called the \" 866 '' number on their mailer and  spoke with one of Key Bank 's representatives. He said they would not make an exception and that I should instead direct my payroll or pension benefits as a direct deposit ( he noted that he was aware that Social Security routinely could not meet a 60 day direct deposit deadline, but that other sources such as payroll or pension probably could ). I am retired and I am not currently on a payroll. My pension payment goes into an account from which my mortgage and credit card debts are automatically debited making any change to that arrangement complex and undesirable. \nI told the Key Bank representative that I felt their mailing was deceptive at best and perhaps fraudulent. I told him that because of their lack of having a reasonable accommodation for my situation, I would be terminating my account. He said if I did that I would be assessed a {$25.00} early termination fee. At that point I told him I would also be filing a complaint with the CFPB.","date_sent_to_company":"2019-12-11T22:12:07.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"45040","tags":"Older American","has_narrative":true,"complaint_id":"3465416","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"KEYCORP","date_received":"2019-12-11T21:15:29.000Z","state":"OH","company_public_response":null,"sub_issue":"Account opened as a result of fraud"},"highlight":{"complaint_what_happened":["He said they would not make an exception and that I should instead <em>direct</em> my payroll or pension <em>benefits</em> as a <em>direct</em> <em>deposit</em> ( he noted that he was aware that Social <em>Security</em> routinely could not meet a 60 day <em>direct</em> <em>deposit</em> deadline, but that other sources such as payroll or pension probably could ). I am retired and I am not <em>currently</em> on a payroll."]},"sort":[22.627365,"3465416"]},{"_index":"complaint-public-v1","_id":"16153379","_score":22.087036,"_source":{"product":"Prepaid card","complaint_what_happened":"I am the current XXXX payee for my minor child, XXXX XXXX XXXX XXXX XXXX whose Social Security XXXX XXXX scheduled to deposit on the XXXX of [ Month ]. \n\nDirect Express XXXX Comerica Bank is wrongfully withholding these funds. They were previously in an account under my sisters name ( former payee ). XXXX has updated me as the payee, but the funds have not been returned or released, leaving my child without access to his benefits. \n\nOn [ insert date ], I called Direct Express to order a replacement card and provided the correct address and information. A Direct Express supervisor falsely claimed my address was not on file and locked the account deliberately. I have not and will not submit additional ID because it was unnecessary the correct information was already provided. \n\nThis is an urgent matter. Withholding these funds will cause immediate harm to my child. \n\nI demand immediate action : 1. Release of my childs Social Security benefits, or return of the funds to SSA.\n\n2. Removal of the account lock or restriction preventing access.\n\n3. Written confirmation that this has been completed. \n\nIf this matter is not resolved immediately, I will escalate to emergency legal action and involve regulatory authorities including SSA OIG, CFPB, and OCC","date_sent_to_company":"2025-09-24T19:15:08.000Z","issue":"Problem getting a card or closing an account","sub_product":"Government benefit card","zip_code":"33615","tags":null,"has_narrative":true,"complaint_id":"16153379","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Comerica","date_received":"2025-09-24T19:01:20.000Z","state":"FL","company_public_response":null,"sub_issue":"Trouble getting, activating, or registering a card"},"highlight":{"complaint_what_happened":["I am the <em>current</em> XXXX payee for my minor child, XXXX XXXX XXXX XXXX XXXX whose Social <em>Security</em> XXXX XXXX scheduled to <em>deposit</em> on the XXXX of [ Month ]. \n\n<em>Direct</em> Express XXXX Comerica Bank is wrongfully withholding these funds. They were previously in an account under my sisters name ( former payee ). XXXX has updated me as the payee, but the funds have not been returned or released, leaving my child without access to his <em>benefits</em>."],"sub_product":["Government <em>benefit</em> card"]},"sort":[22.087036,"16153379"]},{"_index":"complaint-public-v1","_id":"3352213","_score":21.850475,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2019 I send a Letter to Santander Bank requesting all accounts associated with my social security number XXXX be closed and all monies be send to my current address. I enclosed a mortgage statement as proof of address. \nI am dissappointd because the Santander Bank refuse to close my account. I was told to go to a local branch. There are no branches where I am currently residing. \nI am XXXX years old and feel like I am experiencing elder abuse ; because the Santander Bank has denied me access to my account via ATM cards ; but has it open so they can benefit from direct deposits into my account.","date_sent_to_company":"2019-08-26T20:43:32.000Z","issue":"Closing an account","sub_product":"Savings account","zip_code":"31525","tags":"Older American","has_narrative":true,"complaint_id":"3352213","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER BANK, NATIONAL ASSOCIATION","date_received":"2019-08-23T19:59:32.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["I am XXXX years old and feel like I am experiencing elder abuse ; because the Santander Bank has denied me access to my account via ATM cards ; but has it open so they can <em>benefit</em> from <em>direct</em> <em>deposits</em> into my account."]},"sort":[21.850475,"3352213"]},{"_index":"complaint-public-v1","_id":"5348536","_score":21.79143,"_source":{"product":"Checking or savings account","complaint_what_happened":"I originally signed up for a XXXX in late XX/XX/2022 with the intention of receiving {$250.00} for a sign up bonus that this bank was offering. I met the requirements by depositing {$1000.00} on XXXX & XXXX which met the requirements as stated below : \" *Disclosure : Receive {$250.00} when you set up direct deposit to your Spend Balance and receive XXXX ( XXXX ) direct deposits of {$1000.00} USD or more within XXXX days of opening your XXXX Relationship. The direct deposits must be an electronic deposit of the account owners paycheck, pension or government benefits ( such as Social Security ). Limit XXXX ( XXXX ) incentive per customer. {$250.00} USD paid as a credit to your XXXX XXXX within 45 days of meeting promotion requirements. Offer may be changed or withdrawn at any time. XXXX XXXX must be open and in good standing to receive promotion incentive. '' XX/XX/XXXX would have been the XXXX day and the {$250.00} was credited to my account and no one on the XXXX seems to know why. \n\nIt is important to note that XXXX 's current disclosure states that within 90 days it will be paid out but when I signed up the above agreement was the one provided. I have attached screenshots of transaction and disclosure.","date_sent_to_company":"2022-03-21T19:10:04.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"32807","tags":null,"has_narrative":true,"complaint_id":"5348536","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MIDFIRST BANK","date_received":"2022-03-21T18:57:39.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["I met the requirements by <em>depositing</em> {$1000.00} on XXXX & XXXX which met the requirements as stated below : \" *Disclosure : Receive {$250.00} when you set up <em>direct</em> <em>deposit</em> to your Spend Balance and receive XXXX ( XXXX ) <em>direct</em> <em>deposits</em> of {$1000.00} USD or more within XXXX days of opening your XXXX Relationship. The <em>direct</em> <em>deposits</em> must be an electronic <em>deposit</em> of the account owners paycheck, pension or government <em>benefits</em> ( such as Social <em>Security</em> )."]},"sort":[21.79143,"5348536"]},{"_index":"complaint-public-v1","_id":"1782596","_score":21.718868,"_source":{"product":"Bank account or service","complaint_what_happened":"I opened my Discover account under a promotion they were offering to receive {$300.00} cashback for signing up with them before XXXX XXXX, 2015. I opened my account on XXXX XXXX, 2015 and deposited {$250.00} at that time. The terms of the offer were as follows : Open to current Discover credit cardmembers or deposit customers, excluding current or previous XXXX XXXX customers. Account is subject to approval. To receive {$300.00} bonus : 1 ) account must be opened between XX/XX/2015-XX/XX/2015 using offer code BonusXXXX ; and 2 ) at least two Direct Deposits of {$250.00} or more must be received within 90 days of account funding. Direct Deposit transactions are limited to : payroll, Social Security, pension, and government benefits. Bonus will be issued as a credit to your account within 30 days of completing all requirements. Account must be open when bonus is issued. Limit XXXX per customer per account. Bonus is considered interest and will be reported in IRS Form XXXX. Offer may be modified/withdrawn without notice. \nI did have a Discover Savings account, set up direct desposit in the amount of {$250.00}. The first direct desposit was processed XXXX XXXX, 2015 ; the second was processed XXXX XXXX, 2015. This was well within the 90 day requirement. It has been well over 30 days since meeting this and I have yet to receive my {$300.00} cashback bonus.","date_sent_to_company":"2016-02-12T20:03:17.000Z","issue":"Account opening, closing, or management","sub_product":"Checking account","zip_code":"40216","tags":null,"has_narrative":true,"complaint_id":"1782596","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2016-02-10T21:17:12.000Z","state":"KY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>Direct</em> <em>Deposit</em> transactions are limited to : payroll, Social <em>Security</em>, pension, and government <em>benefits</em>. Bonus will be issued as a credit to your account within 30 days of completing all requirements. Account must be open when bonus is issued. Limit XXXX per customer per account. Bonus is considered interest and will be reported in IRS Form XXXX. Offer may be modified/withdrawn without notice. \nI did have a Discover Savings account, set up <em>direct</em> desposit in the amount of {$250.00}."]},"sort":[21.718868,"1782596"]},{"_index":"complaint-public-v1","_id":"9228456","_score":21.68904,"_source":{"product":"Prepaid card","complaint_what_happened":"On XX/XX/XXXX someone unlawfully requested and received a Direct Express Debit Card ending in XXXX. \nIn XXXX of XXXX I was forced to go back to Direct Express ( this is where I receive my monthly social security benefit check ). I received card ending in XXXX. Within XXXX hours of learning that card ending in XXXX was issued XXXX months prior, the card was stolen. I reported this immediately to Direct Express. According to Direct Express '' s mobile app this card is associated with my current card and as recent as XX/XX/XXXX this card shows debit activity. The same thing for another debit card ending in XXXX. That card was reported lost/stolen in XX/XX/XXXX and shows debit/adjusted credit and debit activity as recent as XX/XX/XXXX. The dates correlate to when I have physically changed geographic locations. More concerning is the fact that Social Security shows \" multiple payment accounts '' in conjunction to how and where my monthly benefits are direct deposited. I recently submitted a complaint about missing refunds from XXXX that were supposed to be credited back to my direct express debit card but have mysteriously \" disappeared ''. I just received two letters from an \" advocacy group '' representing themselves as representatives from Direct Express but the letters have the incorrect XXXX  numbers associated with my complaints as well as a New York number when in fact Direct Express is located in XXXX XXXX Texas.","date_sent_to_company":"2024-06-11T22:11:42.000Z","issue":"Problem getting a card or closing an account","sub_product":"Government benefit card","zip_code":"73703","tags":null,"has_narrative":true,"complaint_id":"9228456","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Comerica","date_received":"2024-06-11T21:15:00.000Z","state":"OK","company_public_response":null,"sub_issue":"Trouble closing card"},"highlight":{"complaint_what_happened":["More concerning is the fact that Social <em>Security</em> shows \" multiple payment accounts '' in conjunction to how and where my monthly <em>benefits</em> are <em>direct</em> <em>deposited</em>. I recently submitted a complaint about missing refunds from XXXX that were supposed to be credited back to my <em>direct</em> express debit card but have mysteriously \" disappeared ''."],"sub_product":["Government <em>benefit</em> card"]},"sort":[21.68904,"9228456"]},{"_index":"complaint-public-v1","_id":"4331485","_score":21.42534,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I currently have a XXXX  US Bank card that I have had for a year now and have direct deposits placed on. Both from my employer and from social security. I receive benefits both for myself and for my son XXXX XXXX. Now XXXX has been receiving his benefits on my account for 3 months now. Last week on the XXXX I received a stimulus payment for XXXX. Now all of the sudden with absolutely NO warning they deactivated my account. They say that I need to provide identification information. So I did 6 times over, they received it all. Now they are still telling me I have to wait 5 business days. I absolutely can not wait another 5 business days!!! They shut the account down in minutes then they need to turn it back on. My son was born a month early and requires special formula. He absolutely can not wait 5 business days! I don't have enough formula or diapers for 5 more days.. I have no more money.. I have no other options or support to feed my children. I need my money and the money that is soon to be direct deposited as of yesterday. Not another 5 days. I can not understand how all my sons other deposits which are put in separate from mine have cleared with no issues at all and now all of the sudden with no warning I have no money and no way to care for my son.","date_sent_to_company":"2021-04-27T20:38:31.000Z","issue":"Trouble using the card","sub_product":"Payroll card","zip_code":"64804","tags":null,"has_narrative":true,"complaint_id":"4331485","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2021-04-27T20:29:33.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trouble using the card to spend money in a store or online"},"highlight":{"complaint_what_happened":["I <em>currently</em> have a XXXX  US Bank card that I have had for a year now and have <em>direct</em> <em>deposits</em> placed on. Both from my employer and from social <em>security</em>. I receive <em>benefits</em> both for myself and for my son XXXX XXXX. Now XXXX has been receiving his <em>benefits</em> on my account for 3 months now. Last week on the XXXX I received a stimulus payment for XXXX. Now all of the sudden with absolutely NO warning they deactivated my account. They say that I need to provide identification information."]},"sort":[21.42534,"4331485"]},{"_index":"complaint-public-v1","_id":"1753671","_score":21.304125,"_source":{"product":"Bank account or service","complaint_what_happened":"I signed up for a Discover Bank checking account using promo code : XXXX to receive a {$300.00} bonus. I fulfilled all the requirements outlined in the fine print and Discover said it was a target promo only open to a few people. It did not state this anywhere on the promo page when signing up for the promotion. I was already a Discover credit card member and it allowed me to apply the promo to my account. Here is the fine print of the deal which I completed every aspect including the direct deposits needed and I am a current Discover credit cardmember. \n\n\" Open to current Discover credit cardmembers or deposit customers, excluding current or previous CashBack Checking customers. Account is subject to approval. To receive {$300.00} bonus : 1 ) account must be opened between XX/XX/XXXX-XX/XX/XXXX using offer code XXXX ; and 2 ) at least XXXX Direct Deposits of {$250.00} or more must be received within 90 days of account funding. Direct Deposit transactions are limited to : payroll, Social Security, pension, and government benefits. Bonus will be issued as a credit to your account within 30 days of completing all requirements. Account must be open when bonus is issued. Limit XXXX per customer per account. Bonus is considered interest and will be reported in IRS Form XXXX. Offer may be modified/withdrawn without notice. \" In XXXX message I had a representative confirm I will be getting the bonus on XX/XX/XXXX. After the day past I inquired again about the bonus and another rep told me I will no longer be getting the bonus.","date_sent_to_company":"2016-01-22T14:12:46.000Z","issue":"Account opening, closing, or management","sub_product":"Checking account","zip_code":"23456","tags":null,"has_narrative":true,"complaint_id":"1753671","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2016-01-22T14:12:45.000Z","state":"VA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Here is the fine print of the deal which I completed every aspect including the <em>direct</em> <em>deposits</em> needed and I am a <em>current</em> Discover credit cardmember. \n\n\" Open to <em>current</em> Discover credit cardmembers or <em>deposit</em> customers, excluding <em>current</em> or previous CashBack Checking customers. Account is subject to approval."]},"sort":[21.304125,"1753671"]},{"_index":"complaint-public-v1","_id":"16218024","_score":21.243317,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XX/XX/XXXX Current ( the online financial banking ) emailed stating they are exercising their right to close my account due to an internal review. And provided their agreement, and every XXXX of the month I get my benefits deposited about {$1400.00} but since my account was supposedly closed the deposit should have been returned which was not. Current used my deposit to cover the negative - {$370.00} standing on the account but I still have a remaining balance of {$1100.00}. That I never received. \n\nOn XX/XX/year>, at XXXX, Current XXXX wrote : Current Update on your Current account Following an internal review of your account activity, we are exercising our right to permanently close your Current account, and if applicable, your linked Current teen account ( s ), pursuant to the Current Account Agreement ( s ) We are also terminating your access to any Current services, and this decision can not be appealed. We will finalize the closure of your account no later than ten ( 10 ) calendar days from the date of this email. \n\nIf you have used Current to schedule recurring transfers from an external account or have set up direct deposit with an employer, the Labor Department or the US Treasury, the transfers will be stopped and the funds will be sent back to the originating source automatically. We suggest you reach out to the originators for further information regarding recent deposits and to stop future payments from being sent to Current or to redirect them to a different account.\n\nIf you have scheduled any payments to be deducted from your Current account, we recommend that you stop these payments and/or notify the merchant or biller accordingly. \n\nPlease note that if you have a pending transaction dispute, it will continue to process until a decision has been made. Should you be awarded a credit as a result of your dispute, the funds will be sent to you via a refund check to the registered address of your account. \n\nWhile regrettable, please note that our decision to terminate your services is final, and it will not be possible to create a new account. We wish you success moving forward with a banking solution thats right for you. \nThe Current Team Best, The Current Fraud Team Our emails : Can you reactivate account so I can retrieve the remaining balance Sent from my XXXX On XX/XX/year>, at XXXX, The Current Fraud Team ( Current ) XXXX wrote : XXXX XXXX XXXX  Please type your reply above this line XXXX XXXX XXXX  The Current Fraud Team ( Current ) XX/XX/year>, XXXX XXXX Hi XXXX, The balance of the account was negative, so when the deposit arrived to the closed account, it was used to fund the negative balance. As you were not the intended recipient of the deposit in question, it can be returned to the Treasury after a non-receipt claim is received. \n\nBest, The Current Fraud Team XXXX XXXX XX/XX/year>, XXXXXXXX  XXXX The direct deposit came after you closed my account on the XXXX so why didnt it get returned to social security? They have the deposit still in the account you guys closed that is not what your agreement says Sent from my XXXX On XX/XX/year>, at XXXX, The Current Fraud Team ( Current ) XXXX wrote : Attachment ( s ) XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX I have social security on the phone and they said they deposited my benefits on the third and you guys did not return it back even though the account closed on XX/XX/XXXX. You guys need to return my benefit I will sue and file a complaint on better business bureau This is your agreement which you did none 1. My deposit from SS treasury did not get returned so I will file a claim. 2. You did not close my account and give me a final outcome within 10 days. 3. You did not close my account as you claim 4. The remaining balance has not been credited nor has it even been discussed or rewarded to me. \n\nTHEY MAKE IT DIFFICULT TO OBTAIN YOUR OWN MONEY AND THE ONLY MEANS OF COMMUNICATION IF YOU HAVE A CLOSED ACCOUNT IS BY EMAIL. CHAT AND PHONE CALLS ARE NOT ACCESSIBLE UNLESS YOU HAVE A ACTIVE OPEN ACCOUNT WITH THEM","date_sent_to_company":"2025-09-27T23:21:32.000Z","issue":"Trouble accessing funds in your mobile or digital wallet","sub_product":"Mobile or digital wallet","zip_code":"96732","tags":"Older American","has_narrative":true,"complaint_id":"16218024","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FinCo Services Inc DBA Current","date_received":"2025-09-27T22:40:24.000Z","state":"HI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["As you were not the intended recipient of the <em>deposit</em> in question, it can be returned to the Treasury after a non-receipt claim is received. \n\nBest, The <em>Current</em> Fraud Team XXXX XXXX XX/XX/year>, XXXXXXXX  XXXX The <em>direct</em> <em>deposit</em> came after you closed my account on the XXXX so why didnt it get returned to social <em>security</em>?"],"company":["FinCo Services Inc DBA <em>Current</em>"]},"sort":[21.243317,"16218024"]},{"_index":"complaint-public-v1","_id":"1741779","_score":20.783144,"_source":{"product":"Bank account or service","complaint_what_happened":"Discover bank is not honoring it 's promotional bonus of {$300.00} for a new checking account. I have met all the requirements as outlined in the terms and conditions of the offer below. I have contacted Discover regarding the bonus on multiple occasions including both telephone and email. Their initial response confirmed my eligibility of the offer. Their subsequent responses denied the bonus to my account. My efforts to obtain this bonus through Discover directly have been exhausted. The offer terms are included below, which have ALL been met : XXXX Offer Code : XXXX Open to current Discover credit cardmembers or deposit customers, excluding current or previous CashBack Checking customers. Account is subject to approval. To receive {$300.00} bonus : 1 ) account must be opened between XX/XX/XXXX-XX/XX/XXXX using offer code XXXX ; and 2 ) at least XXXX Direct Deposits of {$250.00} or more must be received within 90 days of account funding. Direct Deposit transactions are limited to : payroll, Social Security, pension, and government benefits. Bonus will be issued as a credit to your account within 30 days of completing all requirements. Account must be open when bonus is issued. Limit XXXX per customer per account. Bonus is considered interest and will be reported in IRS Form XXXX. Offer may be modified/withdrawn without notice.","date_sent_to_company":"2016-01-14T00:13:08.000Z","issue":"Account opening, closing, or management","sub_product":"Checking account","zip_code":"90024","tags":null,"has_narrative":true,"complaint_id":"1741779","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2016-01-13T06:59:33.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>Direct</em> <em>Deposit</em> transactions are limited to : payroll, Social <em>Security</em>, pension, and government <em>benefits</em>. Bonus will be issued as a credit to your account within 30 days of completing all requirements. Account must be open when bonus is issued. Limit XXXX per customer per account. Bonus is considered interest and will be reported in IRS Form XXXX. Offer may be modified/withdrawn without notice."]},"sort":[20.783144,"1741779"]},{"_index":"complaint-public-v1","_id":"18070962","_score":20.375744,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a complaint against XXXX XXXX ( Comerica Bank ) regarding the improper holding of my Social Security XXXX Insurance ( SSXXXXI ) benefits. \n\nOn or around XX/XX/XXXX, I changed my direct deposit with XXXX  from XXXX XXXX to XXXXXXXX XXXX XXXX. Immediately after leaving the XXXX  office, I called XXXX XXXX and requested my account to be closed. I believed it was fully closed. \n\nHowever, my XXXX XXXX benefits were sent to XXXX XXXX  anyway. When I called today, the representative stated that XXXX XXXX is holding my benefits and will not release them, and will not send the funds back to SSA, unless SSA re-enrolls me into the XXXX XXXX program. She repeated that she can not issue a new card, can not reactivate my existing card, and can not return my benefits to SSA. \n\nThis is incorrect and is causing financial hardship. \nUnder 31 C.F.R. 210.10, federal payments deposited into a closed or inaccessible account must be returned to SSA, not held indefinitely. \nUnder Regulation E ( 12 CFR 1005 ), I have a right to timely access to my federal benefits and to dispute errors when funds are inaccessible. \n\nI am currently unable to access my XXXX benefits, which affects my rent, utilities, and other required monthly expenses. SSA informed me that once XXXX XXXX returns the funds, they can immediately issue a replacement payment. XXXX XXXX is preventing this by refusing to return the funds and refusing to provide access. \n\nI am requesting : Immediate release or return of my XXXX  payment to SSA Correction of the error and compliance with federal benefit payment regulations Written explanation of why my funds were withheld Assurance this will not happen again in future months This mishandling of benefits is causing substantial hardship. I need the CFPB to intervene.","date_sent_to_company":"2025-12-04T16:01:06.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"32901","tags":null,"has_narrative":true,"complaint_id":"18070962","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Comerica","date_received":"2025-12-04T15:55:58.000Z","state":"FL","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["I am filing a complaint against XXXX XXXX ( Comerica Bank ) regarding the improper holding of my Social <em>Security</em> XXXX Insurance ( SSXXXXI ) <em>benefits</em>. \n\nOn or around XX/XX/XXXX, I changed my <em>direct</em> <em>deposit</em> with XXXX  from XXXX XXXX to XXXXXXXX XXXX XXXX. Immediately after leaving the XXXX  office, I called XXXX XXXX and requested my account to be closed. I believed it was fully closed. \n\nHowever, my XXXX XXXX <em>benefits</em> were sent to XXXX XXXX  anyway."]},"sort":[20.375744,"18070962"]},{"_index":"complaint-public-v1","_id":"2210098","_score":20.07005,"_source":{"product":"Debt collection","complaint_what_happened":"Good day. I reside in So XXXX and I have a civil court judgement for a defaulted credit card. This dates back to approx. XXXX. In XXXX the plaintiff attempted to levy my savings accnt at my credit union. I rec 'd guidance from the court 's self help clinic and submitted a claim of exemption stating my only income was from Social Security XXXX, VA benefits, and Gov't Pension, via direct deposit. The judge granted my exemption. I elected to have an additional credit union closer to home and had the VA benefits and Gov't Pension direct deposited there for convenience. Now, approx. 16 months later I receive a letter from the new credit union stating my entire accnt is frozen to satisfy a civil court judgement. I went down to them and explained my income in this accnt is protected from a civil judgement. I said there is no commingling of funds in my accounts. They stated they did not care and were going to follow the sheriff 's levy document. I stated they know where my income comes from as it is stated on the monthly statements. I stated, I believed they were violating Federal Law and state reg 's ( XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ). I finalized my brief meeting by stating that because of their reluctance to follow the law I am currently suffering damages that the credit union may be responsible for. \nI have since filled out the proper doc 's ( Claim Of Exemption and Financial Statement ) and submitted to the sheriff 's levy office.","date_sent_to_company":"2016-11-16T20:43:45.000Z","issue":"Taking/threatening an illegal action","sub_product":"Credit card","zip_code":"915XX","tags":"Servicemember","has_narrative":true,"complaint_id":"2210098","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Hunt & Henriques","date_received":"2016-11-15T22:11:34.000Z","state":"CA","company_public_response":null,"sub_issue":"Attempted to/Collected exempt funds"},"highlight":{"complaint_what_happened":["I rec 'd guidance from the court 's self help clinic and submitted a claim of exemption stating my only income was from Social <em>Security</em> XXXX, VA <em>benefits</em>, and Gov't Pension, via <em>direct</em> <em>deposit</em>. The judge granted my exemption. I elected to have an additional credit union closer to home and had the VA <em>benefits</em> and Gov't Pension <em>direct</em> <em>deposited</em> there for convenience."]},"sort":[20.07005,"2210098"]},{"_index":"complaint-public-v1","_id":"8952588","_score":19.80704,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am a XXXX XXXX  and on XX/XX/year> I went to the local Chase bank XXXX XXXX XXXX in XXXX, VT and opened a checking account with the assistance of XXXX XXXX. I showed him The coupon that I received in the mail from Chase that promised a {$300.00} if I set up A direct deposit of my Social Security benefit that is direct deposited in my current Checking account with XXXX XXXX \n\nXXXX and I discussed this at which time he mentioned that setting up a direct deposit Can take up to 2-3 months. I told him that I was aware of this. On or around XX/XX/year> I logged into my Social Security account and changed my direct deposit to my Chase bank checking account. \n\nOn XX/XX/XXXX when the direct deposit change was supposed to be in effect and my XXXX XXXX should have gone to my Chase checking account I tried to make a purchase and It was denied. I called the bank customer service and was told that my account had been Closed due to inactivity. At this point I emailed XXXX and explained the problem and Requested to speak with his manager.\n\nA manager by the name of XXXX called me and I explained the problem and the fact that I am a XXXX XXXX and that the XXXX benefit is Is my only source of income. \nI also explained that all of my accounts are Linked to my checking account included my cell phone and that I will be incurring late fees, overdraft fees and my cell phone will be shut off because I wont be able to pay Any of these bills and other monthly fees because I DO NOT HAVE ANY MONEY. \n\nThe fact that I was never warned or contacted about this rule and the closure of my account Is truly unconscionable on the part of Chase Bank and XXXX XXXX who knew that these types of direct deposit transfer changes would take up to XXXX days. \n\nXXXX said that he has tried to get this rule of account closure changed because it is stupid and unfair to customers or something to that effect. I asked him if he Could help me in some way and he said I should contact my accounts and explain the Problem but there was nothing he could do. \n\nSince I spoke to manager XXXX I have incurred late fees on some of my accounts, overdraft charges on my XXXX XXXX checking account and the cancelation of my cell Phone service. In addition, I have been unable to access my XXXXXXXX XXXX meaning loss Of sales. I am estimating my financial loss at {$1000.00}. I am claiming also personal Damages in the form of extreme stress, XXXX, pain and embarrassment, due to the negligence of this bank. Also, I have not been able to pay for my XXXX as a result of Chase banks negligence. \n\nIt is obvious to me that XXXX did not explain the account closure rule out of spite because I complained we argued about the {$300.00} bonus that I did not receive in 15 days as indicated On the coupon and in a letter from him. \n\nI spoke to the Social Security Department on XX/XX/XXXX and it was explained to me that my XXXX transfer was still in a pending status at Chase Bank and nothing could be done to correct the problem until Chase sent the deposit back to the Treasury Department. Also, I was told that when they receive the deposit back from the bank it can take up to 2 weeks to be deposited in my XXXX XXXX checking account. I sent an email to XXXX on XX/XX/XXXX but have yet to hear from anyone at Chase. \n\nIn the meantime I have no money for food, gas, and other necessities and do not know what Im going to do.","date_sent_to_company":"2024-05-07T19:43:29.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"05401","tags":"Older American","has_narrative":true,"complaint_id":"8952588","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-05-07T19:07:50.000Z","state":"VT","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I showed him The coupon that I received in the mail from Chase that promised a {$300.00} if I set up A <em>direct</em> <em>deposit</em> of my Social <em>Security</em> <em>benefit</em> that is <em>direct</em> <em>deposited</em> in my <em>current</em> Checking account with XXXX XXXX \n\nXXXX and I discussed this at which time he mentioned that setting up a <em>direct</em> <em>deposit</em> Can take up to 2-3 months. I told him that I was aware of this."]},"sort":[19.80704,"8952588"]},{"_index":"complaint-public-v1","_id":"18680112","_score":19.663319,"_source":{"product":"Checking or savings account","complaint_what_happened":"In XX/XX/year>, my account with E * TRADE / Morgan Stanley was restricted following routine account activity, resulting in a complete loss of access to my funds. \n\nAfter the account was opened and funded, I linked an external financial account for standard XXXX functionality. Shortly after this linkage, my account was flagged and restricted. \n\nCritically, I had just switched my Social Security XXXX benefits to direct deposit into this account. As a result of the restriction, I am now unable to access my XXXX income, which is my primary means of support. \n\nI am a XXXX individual with a XXXX XXXX appointment in early XX/XX/year> related to continued eligibility for XXXX benefits. Failure to attend this appointment would jeopardize my income and medical care. \n\nI immediately contacted customer service and fully cooperated with all verification requests, including providing bank statements and proof of income. I have not been accused of fraud, no unauthorized transactions have occurred, and all activity was initiated by me. \n\nDespite this cooperation, my account remains restricted, and I currently have no access to my XXXX benefits or essential living funds, creating an urgent medical and financial hardship. \n\nI am requesting regulatory assistance to ensure this matter is escalated and resolved promptly, as continued delay poses a serious risk to my health and financial stability.","date_sent_to_company":"2026-01-20T21:33:16.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"98125","tags":"Servicemember","has_narrative":true,"complaint_id":"18680112","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MORGAN STANLEY & CO. LLC","date_received":"2026-01-13T14:16:31.000Z","state":"WA","company_public_response":null,"sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["Critically, I had just switched my Social <em>Security</em> XXXX <em>benefits</em> to <em>direct</em> <em>deposit</em> into this account. As a result of the restriction, I am now unable to access my XXXX income, which is my primary means of support. \n\nI am a XXXX individual with a XXXX XXXX appointment in early XX/XX/year> related to continued eligibility for XXXX <em>benefits</em>. Failure to attend this appointment would jeopardize my income and medical care."]},"sort":[19.663319,"18680112"]},{"_index":"complaint-public-v1","_id":"4087356","_score":19.529028,"_source":{"product":"Checking or savings account","complaint_what_happened":"opened a new checking account ( # XXXX ) on XX/XX/XXXX with this offer - XXXX $ opening bonus - my earlier acct was closed on XX/XX/XXXX. As per the terms and conditions of this offer i am eligible for bonus. \n\nHSBC PREMIER WELCOME DEPOSIT CHECKING OFFER 1 HSBC Premier {$450.00} Welcome Deposit Offer Terms and Conditions : This offer is available only online for applications completed using the Apply now button on the offer webpage. You must be at least 18 years of age, have a Social Security Number, currently have a U.S. residential address and have had U.S. residency for the past two years to apply for a deposit account online. To qualify for the HSBC Premier {$450.00} Welcome Deposit you must : ( 1 ) open your new HSBC Premier checking account from XX/XX/XXXX through and including XX/XX/XXXX ; and ( 2 ) make recurring monthly Qualifying Direct Deposits totaling at least {$5000.00} from a third party to your HSBC Premier checking account ( s ) for 3 consecutive calendar months from the second full calendar month after account opening. You will automatically receive the {$450.00} Welcome Deposit in your new HSBC Premier checking account approximately eight weeks after completing all qualifying activities. Qualifying Direct Deposits are electronic deposits of regular periodic payments ( such as salary, pension, Government Benefits or other monthly income ) made into your HSBC Premier checking account from third parties at least once per calendar month. Customers who held any HSBC consumer deposit or investment account XX/XX/XXXX through and including XX/XX/XXXX are not eligible for this offer. Eligible","date_sent_to_company":"2021-01-22T22:19:22.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"79602","tags":null,"has_narrative":true,"complaint_id":"4087356","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HSBC NORTH AMERICA HOLDINGS INC.","date_received":"2021-01-22T22:09:08.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive terms that were advertised"},"highlight":{"complaint_what_happened":["HSBC PREMIER WELCOME <em>DEPOSIT</em> CHECKING OFFER 1 HSBC Premier {$450.00} Welcome <em>Deposit</em> Offer Terms and Conditions : This offer is available only online for applications completed using the Apply now button on the offer webpage. You must be at least 18 years of age, have a Social <em>Security</em> Number, <em>currently</em> have a U.S. residential address and have had U.S. residency for the past two years to apply for a <em>deposit</em> account online."]},"sort":[19.529028,"4087356"]},{"_index":"complaint-public-v1","_id":"16764779","_score":19.44999,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/year> Net Pay Advance made an unauthorized withdrawal from my checking account in the amount of {$220.00}, therefore causing my bank account to become overdrawn by - {$220.00}. I am currently receiving social security benefits that are allocated to me via direct deposit each month. The same day, I contacted my bank, XXXX XXXX XXXX XXXX  to investigate where the charge came from and to attempt to dispute it. I was informed that a bank employee by the name of XXXX, who is employed at a XXXX XXXXXXXX XXXX XXXX branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX facilitated the unauthorized transaction. XXXX contacted me and informed me that she did in fact facilitate the unauthorized transaction and it could not be disputed because it was from a pay day loan organization. When I informed her that the transaction was unauthorized and I would go to the authorities, she responded by smugly saying : \" OK, sounds great! Cause I really don't care. '' Later the same day, I contacted the branch manager to once again attempt to get this charge disputed. XXXX, the branch manager informed me that the charge could not be disputed because Net Pay Advance is a payday loan organization, and that them removing money from my account was somehow not fraudulent. When I asked him if he could at least freeze my checking account so that there would not be anymore unauthorized transactions and XXXX refused to assist me claiming that it was not possible for my account to be frozen. \nFrom what I understand, social security benefits are protected and exempt from debt collection. especially if they are allocated via direct deposit. Net Pay Advance withdrew federally protected funds from my account without my consent first citizen 's bank failed to protect my checking account, refused to dispute the charge, and refused to help me take measures to avoid further unauthorized withdrawals from my checking account.","date_sent_to_company":"2025-11-04T15:07:53.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Payday loan debt","zip_code":"90008","tags":null,"has_narrative":true,"complaint_id":"16764779","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Net Pay Advance, Inc.","date_received":"2025-10-23T04:05:54.000Z","state":"CA","company_public_response":null,"sub_issue":"Collected or attempted to collect exempt funds"},"highlight":{"complaint_what_happened":["I am <em>currently</em> receiving social <em>security</em> <em>benefits</em> that are allocated to me via <em>direct</em> <em>deposit</em> each month. The same day, I contacted my bank, XXXX XXXX XXXX XXXX  to investigate where the charge came from and to attempt to dispute it. I was informed that a bank employee by the name of XXXX, who is employed at a XXXX XXXXXXXX XXXX XXXX branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX facilitated the unauthorized transaction."]},"sort":[19.44999,"16764779"]},{"_index":"complaint-public-v1","_id":"18147529","_score":19.38871,"_source":{"product":"Checking or savings account","complaint_what_happened":"My account was overdrawn in which the overdraft was already exhausted. The bank allowed other charges and fees to be assessed to my account when no funds were available and the bank still charged me for the items along with other fees. They are also stating that unless all my accounts are paid current that they will cancel my membership and I cant reapply unless I have a joint membership with a family member in which I dont. I no longer live in California but maintained my account. I had unforeseen sickness and was receiving benefits that recently stopped in XXXX causing me issues with making any payments on my accounts due to those benefits being direct deposit. I currently work part time while a lawyer is handling my social security case since I no longer receive XXXX XXXX benefits. The credit union will not work with me so that my co signer on my personal loan can increase the amount to help catch up on my payments in order to maintain a good report on my credit report since this is the only bank I have and use to trust. Its not fair that they are requesting I pay everything current in order to apply for an increase personal loan with the original co-signer on my account. The overdraft funds was not my fault because they allowed transactions through without any available overdraft funds on the account. Please help as I dont want to lose my account completely and it goes to collection as fees and interest are adding up. They said I had insurance in place in case of lost of job in which they knew I was getting XXXX which stopped because all my doctors didnt submit forms within a 10 day time frame which was impossible because I was homeless.","date_sent_to_company":"2025-12-18T17:43:36.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"29607","tags":null,"has_narrative":true,"complaint_id":"18147529","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SCHOOLSFIRST FEDERAL CREDIT UNION","date_received":"2025-12-18T17:07:30.000Z","state":"SC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Non-sufficient funds and associated fees"},"highlight":{"complaint_what_happened":["They are also stating that unless all my accounts are paid <em>current</em> that they will cancel my membership and I cant reapply unless I have a joint membership with a family member in which I dont. I no longer live in California but maintained my account. I had unforeseen sickness and was receiving <em>benefits</em> that recently stopped in XXXX causing me issues with making any payments on my accounts due to those <em>benefits</em> being <em>direct</em> <em>deposit</em>."]},"sort":[19.38871,"18147529"]},{"_index":"complaint-public-v1","_id":"13421861","_score":19.377638,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TN XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX -- - FORMAL DEMAND LETTER To : Navy Federal Credit Union XXXX. XXXX XXXX XXXX, VA XXXX Subject : Formal Demand for Reimbursement of Misappropriated SSA/SSI Funds Dear Navy Federal Dispute Resolution Team, I am writing to formally demand the return of Social Security funds that have been misapplied or improperly withdrawn from my account ( Access No. XXXX ) between the years XXXX and XXXX. These deposits are federally protected under 42 U.S. Code 4077 ( d ), and any offset, transfer, or fee assessed against them without explicit authorization is prohibited.\n\nUpon reviewing my records, it is clear that Navy Federal applied fees, overdraft penalties, and unauthorized transfers against my SSA and SSI deposits, totaling more than {$8000.00}. This is a violation of both federal consumer protection laws and your own account disclosures. Attached is a detailed log of all SSA/SSI deposits and improper deductions. \n\nI am demanding the following within 15 business days : A full reimbursement of all improper deductions from SSA/SSI funds Written confirmation that my account will no longer be subject to overdraft or fee deductions from federal benefit deposits A permanent correction to my account record If this matter is not resolved in a timely manner, I will be filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Social Security Administration ( SSA ), the Federal Trade Commission ( FTC ), and the Tennessee Attorney General. \n\nSincerely, XXXXXXXX XXXX XXXX -- - CFPB COMPLAINT TEMPLATE Consumer Name : XXXX XXXX. XXXX Address : XXXX XXXX XXXX, XXXX, TN XXXX Phone : XXXX Email : XXXX Bank : Navy Federal Credit Union Issue : Bank account or service - Funds wrongly taken from SSA/SSI federal benefits Complaint Details : Navy Federal Credit Union has repeatedly applied overdraft fees, returned item charges, and unauthorized internal transfers to my account where Social Security and/or SSI benefits were directly deposited. These actions began in XXXX and continued through XXXX, totaling over {$8000.00}. These deposits are protected under federal law ( 42 USC 4077 and 31 CFR 212.8 ), and should not be subject to any form of offset or withdrawal by the bank. \n\nI have submitted a formal demand to the bank and am requesting the CFPB to investigate this practice and require the bank to : Refund all improper fees deducted from SSA/SSI deposits Cease any future unauthorized transfers or charges on federal benefits Provide a written apology and restitution confirmation I have included a log of all affected transactions, statements, and prior communication attempts. \n\nDesired Resolution : Full refund of improperly deducted SSA/SSI funds Guarantee of protection on future SSA/SSI deposits Review of Navy Federal 's practices for all account holders receiving federal benefits 3 -- - [ Templates for SSA, FTC, and Tennessee AG will be added next ] SSA/SSI Deposit Log ( XXXX ) Progress Update : Weve identified consistent ACH direct deposits from SSI TREAS 310 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  across the years. These deposits match SSA/SSI income patterns. \n\nEarliest confirmed SSA/SSI deposit : XX/XX/XXXX Deposits appear regularly each month, typically between the XXXX and XXXX business day Many deposits were followed by immediate cash withdrawals or transfers Several statements show overdraft and returned item fees directly affecting SSA funds ( e.g., within hours of deposit ) We are compiling : A monthly SSA/SSI deposit log including dates and amounts A summary of unauthorized withdrawals and overdraft/returned item fees tied to those deposits -- - Upcoming Deliverables : 1. SSA/SSI Deposit Log ( Finalized to current statement ) 2. Fee Summary Report showing all overdraft and returned item fees related to your protected deposits 3. Formal Demand Letter to Navy Federal 4. Complaint Templates for : Consumer Financial Protection Bureau ( CFPB ) Social Security Administration ( SSA ) Federal Trade Commission ( FTC ) Tennessee Attorney General -- - Key Legal References Being Included : 12 U.S. Code 407 : Prohibits garnishment, levy, or seizure of Social Security benefits Electronic Fund Transfer Act ( EFTA ) 15 U.S. Code 1693 et seq. : Protects consumers from unauthorized withdrawals Regulation E ( 12 CFR 1005 ) : Requires timely investigation of disputed transactions CFPB Guidance : Clarifies that protected federal benefits can not be used to repay overdraft or line of credit balances without authorization -- -","date_sent_to_company":"2025-05-09T19:01:02.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"38106","tags":null,"has_narrative":true,"complaint_id":"13421861","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-05-09T18:36:34.000Z","state":"TN","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["Desired Resolution : Full refund of improperly deducted SSA/SSI funds Guarantee of protection on future SSA/SSI <em>deposits</em> Review of Navy Federal 's practices for all account holders receiving federal <em>benefits</em> 3 -- - [ Templates for SSA, FTC, and Tennessee AG will be added next ] SSA/SSI <em>Deposit</em> Log ( XXXX ) Progress Update : Weve identified consistent ACH <em>direct</em> <em>deposits</em> from SSI TREAS 310 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  across the years. These <em>deposits</em> match SSA/SSI income patterns."]},"sort":[19.377638,"13421861"]},{"_index":"complaint-public-v1","_id":"3556696","_score":19.027239,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I have a paypal cash plus account. I had directed my social security XXXX payments to be direct deposited to my paypal account. \nMy paypal account had an \" alleged '' negative balance of XXXX. Fine. On XX/XX/2020, Paypal put a \" temporary limitation '' on my account to \" verify my idenity ''. 3 seperate times over the past 3 months i have submitted multiple copies of documents including : State ID card, bank statements, debit card statements, proof of address. \nOn XXXX XXXX I again submit copies of requested documents. Received an email from paypal stating my documents were being reviewed and I would receive a response via email. \nA direct deposit of XXXX from the social security administration treasury department posts to my paypal account on XX/XX/XXXX. \nPaypal removes the alleged XXXX owed and unjustly puts a \" permanent limitation '' on my account to where I apparently can not use XXXX anymore and they will hold my funds for 180 days. I made 20 phone calls to paypal on XXXX XXXX and no one could tell me why my account was permanently limited and why i couldn't withdraw my social.security XXXX benefits. I begged, and explained that I had submitted all necessary documents, my balance was current, and that I am XXXX and only receive this money once a month. That I have a XXXX year old and XXXX year old that are starving and I have no money. I explained that my bills are due on the 1st of the month and are already late. Yet not one representative could explain why my documents i submitted hadn't been reviewed, why I can not use my paypal account anymore and why they would be witholding my money for 180 days ( 6 months ). \n5 seperate phone calls.on XX/XX/2020, exceeded 45 minutes each. I have gotten no response, no explanation whatsoever. I can not wait 180 days to withdraw my own money. I owe nothing to paypal. I was also informed by a representative that my account was permanently limited only 3 hours after my  direct deposit was posted to my paypal cash plus account. For what reason? Paypal will not answer. \n.","date_sent_to_company":"2020-03-06T05:40:02.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"80033","tags":null,"has_narrative":true,"complaint_id":"3556696","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2020-03-06T04:59:50.000Z","state":"CO","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["A <em>direct</em> <em>deposit</em> of XXXX from the social <em>security</em> administration treasury department posts to my paypal account on XX/XX/XXXX. \nPaypal removes the alleged XXXX owed and unjustly puts a \" permanent limitation '' on my account to where I apparently can not use XXXX anymore and they will hold my funds for 180 days. I made 20 phone calls to paypal on XXXX XXXX and no one could tell me why my account was permanently limited and why i couldn't withdraw my social.<em>security</em> XXXX <em>benefits</em>."]},"sort":[19.027239,"3556696"]},{"_index":"complaint-public-v1","_id":"2857963","_score":18.937513,"_source":{"product":"Checking or savings account","complaint_what_happened":"Reference current/unresolved complaint against XXXX XXXX, cfpb Complaint $ # XXXX filed XX/XX/XXXX. XXXX has sent the chargeback to US Bank putting my checking account overdrawn by the disputed amount of {$720.00} which was charged on overdraft fee of {$36.00} for a total of {$760.00}. Please refer to the cfpb Complaint referenced above. I believe the client is engaged in fraudulently keeping the two custom tables I made and shipped to her as well as procuring a complete refund via a questionable chargeback claim. As a result of this fraudulent chargeback, XXXX XXXX via We Pay has debited my US Bank account. I have tried to rectify this chargeback/overdraft with USBank with no action on their part. Also, I have never authorized, nor signed up, for overdraft protection with US Bank. My major concern is that my Social Security benefit will be direct deposited on XX/XX/XXXXinto my US Bank checking account. With the existing overdraft, my check will be wiped out leaving me no funds for the month of XX/XX/XXXX. The circumstances at this point in time make this my only source of income.. According to Section 207 of the Social Security Act ( 42 U.S.C. 407 ) my Social Security benefits are protected from garnishment by US Bank or XXXX XXXX. US Bank at this point in time is intentionally slow walking remediation. They have refused to expedite the manner in any way other than by mailing a form to me at their convenience. They are in effect preventing me from submitting the necessary information to mitigate this fraudulent chargeback. US Bank is not guaranteeing me protection of my Social Security funds and has alluded that they will use them to offset a chargeback they were not authorized to make.","date_sent_to_company":"2018-03-28T23:21:17.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Other banking product or service","zip_code":"85254","tags":null,"has_narrative":true,"complaint_id":"2857963","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2018-03-28T21:38:09.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't stop withdrawals from your account"},"highlight":{"complaint_what_happened":["My major concern is that my Social <em>Security</em> <em>benefit</em> will be <em>direct</em> <em>deposited</em> on XX/XX/XXXXinto my US Bank checking account. With the existing overdraft, my check will be wiped out leaving me no funds for the month of XX/XX/XXXX. The circumstances at this point in time make this my only source of income.. According to Section 207 of the Social <em>Security</em> Act ( 42 U.S.C. 407 ) my Social <em>Security</em> <em>benefits</em> are protected from garnishment by US Bank or XXXX XXXX."]},"sort":[18.937513,"2857963"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":324,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":324}]}},"product":{"doc_count":324,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":118,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":116},{"key":"Other personal consumer report","doc_count":2}]}},{"key":"Debt collection","doc_count":80,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":45},{"key":"Auto debt","doc_count":12},{"key":"Mortgage debt","doc_count":5},{"key":"Federal student loan debt","doc_count":4},{"key":"I do not know","doc_count":4},{"key":"Other debt","doc_count":4},{"key":"Medical debt","doc_count":2},{"key":"Credit card","doc_count":1},{"key":"Payday loan debt","doc_count":1},{"key":"Private student loan debt","doc_count":1},{"key":"Rental debt","doc_count":1}]}},{"key":"Checking or savings account","doc_count":53,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":44},{"key":"Other banking product or service","doc_count":5},{"key":"Savings account","doc_count":4}]}},{"key":"Credit card","doc_count":21,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":19},{"key":"Store credit card","doc_count":2}]}},{"key":"Credit card or prepaid card","doc_count":10,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":4},{"key":"General-purpose prepaid card","doc_count":3},{"key":"Government benefit card","doc_count":2},{"key":"Payroll card","doc_count":1}]}},{"key":"Mortgage","doc_count":9,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":5},{"key":"FHA mortgage","doc_count":2},{"key":"Home equity loan or line of credit (HELOC)","doc_count":1},{"key":"VA mortgage","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":7}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mobile or digital wallet","doc_count":4},{"key":"Check cashing service","doc_count":1},{"key":"Domestic (US) money transfer","doc_count":1},{"key":"Virtual currency","doc_count":1}]}},{"key":"Prepaid card","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Government benefit card","doc_count":5},{"key":"Government benefit payment card","doc_count":1},{"key":"Payroll card","doc_count":1}]}},{"key":"Bank account or service","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":4}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Personal line of credit","doc_count":2}]}},{"key":"Student loan","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":1},{"key":"Private student loan","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":2}]}},{"key":"Debt or credit management","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit repair services","doc_count":1}]}},{"key":"Other financial service","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt settlement","doc_count":1}]}}]}},"issue":{"doc_count":324,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":50,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account information incorrect","doc_count":26},{"key":"Personal information incorrect","doc_count":14},{"key":"Account status incorrect","doc_count":6},{"key":"Information belongs to someone else","doc_count":3},{"key":"Information is incorrect","doc_count":1}]}},{"key":"Written notification about debt","doc_count":50,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive enough information to verify debt","doc_count":49},{"key":"Didn't receive notice of right to dispute","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":41,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":41}]}},{"key":"Improper use of your report","doc_count":32,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":28},{"key":"Credit inquiries on your report that you don't recognize","doc_count":3},{"key":"Report provided to employer without your written authorization","doc_count":1}]}},{"key":"Managing an account","doc_count":26,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Deposits and withdrawals","doc_count":11},{"key":"Problem accessing account","doc_count":4},{"key":"Fee problem","doc_count":3},{"key":"Funds not handled or disbursed as instructed","doc_count":3},{"key":"Banking errors","doc_count":2},{"key":"Problem making or receiving payments","doc_count":2},{"key":"Problem using a debit or ATM card","doc_count":1}]}},{"key":"Attempts to collect debt not owed","doc_count":22,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":12},{"key":"Debt was result of identity theft","doc_count":9},{"key":"Debt was already discharged in bankruptcy and is no longer owed","doc_count":1}]}},{"key":"Other features, terms, or problems","doc_count":13,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":12},{"key":"Problem with customer service","doc_count":1}]}},{"key":"Opening an account","doc_count":11,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive terms that were advertised","doc_count":7},{"key":"Account opened as a result of fraud","doc_count":2},{"key":"Confusing or missing disclosures","doc_count":1},{"key":"Unable to open an account","doc_count":1}]}},{"key":"Problem with a purchase or transfer","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card company isn't resolving a dispute about a purchase or transfer","doc_count":5},{"key":"Charged for a purchase or transfer you did not make with the card","doc_count":2}]}},{"key":"Closing an account","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":3},{"key":"Funds not received from closed account","doc_count":2},{"key":"Can't close your account","doc_count":1}]}},{"key":"Closing your account","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":5}]}},{"key":"Problem caused by your funds being low","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Non-sufficient funds and associated fees","doc_count":3},{"key":"Overdrafts and overdraft fees","doc_count":2}]}},{"key":"Problem with a lender or other company charging your account","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":4},{"key":"Can't stop withdrawals from your account","doc_count":1}]}},{"key":"Took or threatened to take negative or legal action","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Seized or attempted to seize your property","doc_count":2},{"key":"Threatened or suggested your credit would be damaged","doc_count":2},{"key":"Collected or attempted to collect exempt funds","doc_count":1}]}},{"key":"Fraud or scam","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Trouble using your card","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Can't use card to make purchases","doc_count":2},{"key":"Credit card company won't increase or decrease your credit limit","doc_count":2}]}},{"key":"Account opening, closing, or management","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Closing on a mortgage","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem getting a card or closing an account","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trouble closing card","doc_count":2},{"key":"Trouble getting, activating, or registering a card","doc_count":1}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":3}]}},{"key":"Trouble during payment process","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trying to communicate with the company to fix an issue while managing or servicing your loan","doc_count":2}]}},{"key":"False statements or representation","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":2}]}},{"key":"Getting a credit card","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Application denied","doc_count":2}]}},{"key":"Struggling to pay mortgage","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Trouble accessing funds in your mobile or digital wallet","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Trouble using the card","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trouble using the card to spend money in a store or online","doc_count":2}]}},{"key":"Applying for a mortgage or refinancing an existing mortgage","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Charged upfront or unexpected fees","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Confusing or misleading advertising or marketing","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Getting a line of credit","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Getting a loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit denial","doc_count":1}]}},{"key":"Managing the loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan sold or transferred to another company","doc_count":1}]}},{"key":"Money was not available when promised","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem when making payments","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with a purchase shown on your statement","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":1}]}},{"key":"Problems caused by my funds being low","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Struggling to repay your loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem lowering your monthly payments","doc_count":1}]}},{"key":"Taking/threatening an illegal action","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to/Collected exempt funds","doc_count":1}]}},{"key":"Unauthorized transactions/trans. issues","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":324,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":320},{"key":"No","doc_count":4}]}},"company_response":{"doc_count":324,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":232},{"key":"Closed with non-monetary relief","doc_count":74},{"key":"Closed with monetary relief","doc_count":18}]}},"submitted_via":{"doc_count":324,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":324}]}},"company":{"doc_count":324,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":37},{"key":"Experian Information Solutions Inc.","doc_count":37},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":27},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":18},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":15},{"key":"AMERICAN EXPRESS COMPANY","doc_count":10},{"key":"JPMORGAN CHASE & CO.","doc_count":10},{"key":"CITIBANK, N.A.","doc_count":9},{"key":"Comerica","doc_count":9},{"key":"DISCOVER BANK","doc_count":9},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":7},{"key":"U.S. BANCORP","doc_count":6},{"key":"UNITED SERVICES AUTOMOBILE ASSOCIATION","doc_count":6},{"key":"WELLS FARGO & COMPANY","doc_count":5},{"key":"AES/PHEAA","doc_count":4},{"key":"CBC Companies, Inc.","doc_count":4},{"key":"TD BANK US HOLDING COMPANY","doc_count":4},{"key":"ALLY FINANCIAL INC.","doc_count":3},{"key":"FIFTH THIRD FINANCIAL CORPORATION","doc_count":3},{"key":"HSBC NORTH AMERICA HOLDINGS INC.","doc_count":3},{"key":"ID Analytics, Inc.","doc_count":3},{"key":"LEXISNEXIS","doc_count":3},{"key":"Ocwen Financial Corporation","doc_count":3},{"key":"OneMain Finance Corporation","doc_count":3},{"key":"Paypal Holdings, Inc","doc_count":3},{"key":"SYNCHRONY FINANCIAL","doc_count":3},{"key":"TRUIST FINANCIAL CORPORATION","doc_count":3},{"key":"BARCLAYS BANK DELAWARE","doc_count":2},{"key":"Block, Inc.","doc_count":2},{"key":"CAINE & WEINER COMPANY, INC.","doc_count":2},{"key":"Chime Financial Inc","doc_count":2},{"key":"FORD MOTOR CREDIT CO.","doc_count":2},{"key":"FinCo Services Inc DBA Current","doc_count":2},{"key":"GOLDMAN SACHS BANK USA","doc_count":2},{"key":"HUNTINGTON NATIONAL BANK, THE","doc_count":2},{"key":"KEYCORP","doc_count":2},{"key":"MORGAN STANLEY & CO. LLC","doc_count":2},{"key":"Nelnet, Inc.","doc_count":2},{"key":"Netspend Corporation","doc_count":2},{"key":"RAS LaVrar, LLC","doc_count":2},{"key":"SOFI TECHNOLOGIES, INC.","doc_count":2},{"key":"ACIMA CREDIT, LLC","doc_count":1},{"key":"Aldous & Associates, PLLC","doc_count":1},{"key":"BANCO POPULAR DE PUERTO RICO","doc_count":1},{"key":"BANK OF NEW YORK MELLON CORPORATION, THE","doc_count":1},{"key":"BMW Financial Services NA, LLC","doc_count":1},{"key":"Blitt and Gaines, P.C.","doc_count":1},{"key":"Bread Financial Holdings, Inc.","doc_count":1},{"key":"CCS Financial Services, Inc.","doc_count":1},{"key":"CITIZENS FINANCIAL GROUP, INC.","doc_count":1},{"key":"Continental Finance Company, LLC","doc_count":1},{"key":"Continental Services Group, Inc. d/b/a ConServe","doc_count":1},{"key":"Credit Control, LLC","doc_count":1},{"key":"Crown Asset Management, LLC, Duluth, GA Branch","doc_count":1},{"key":"ENCORE CAPITAL GROUP INC.","doc_count":1},{"key":"ERC","doc_count":1},{"key":"Empowerment Ventures, LLC","doc_count":1},{"key":"Equitable Acceptance Corp","doc_count":1},{"key":"FIRST NATIONAL BANK OF PENNSYLVANIA","doc_count":1},{"key":"Grain Technology, Inc.","doc_count":1},{"key":"Hayt Hayt & Landau, P.L. (FL)","doc_count":1},{"key":"Hunt & Henriques","doc_count":1},{"key":"InvestiNet LLC","doc_count":1},{"key":"Lendmark Financial Services","doc_count":1},{"key":"MIDFIRST BANK","doc_count":1},{"key":"MoneyLion Inc.","doc_count":1},{"key":"Mortgage Research Center, LLC","doc_count":1},{"key":"Mr. Cooper Group Inc.","doc_count":1},{"key":"National Account Systems of Omaha, LLC","doc_count":1},{"key":"Nationwide Title Clearing, Inc.","doc_count":1},{"key":"Navient Solutions, LLC.","doc_count":1},{"key":"Net Pay Advance, Inc.","doc_count":1},{"key":"PATRICK A. CAREY, P.A.","doc_count":1},{"key":"PNC Bank N.A.","doc_count":1},{"key":"Pollack & Rosen, P.A.","doc_count":1},{"key":"Portfolio Recovery Associates, LLC","doc_count":1},{"key":"Receivables Management Partners, LLC","doc_count":1},{"key":"SANTANDER BANK, NATIONAL ASSOCIATION","doc_count":1},{"key":"SCHOOLSFIRST FEDERAL CREDIT UNION","doc_count":1},{"key":"Santander Consumer USA Holdings Inc.","doc_count":1},{"key":"Self Financial Inc.","doc_count":1},{"key":"Senex Services Corp.","doc_count":1},{"key":"Sequium Asset Solutions, LLC","doc_count":1},{"key":"Specialized Loan Servicing Holdings LLC","doc_count":1},{"key":"Spring Oaks Capital, LLC","doc_count":1},{"key":"TOYOTA MOTOR CREDIT CORPORATION","doc_count":1},{"key":"TRANSWORLD SYSTEMS INC","doc_count":1},{"key":"Westlake Services, LLC","doc_count":1},{"key":"Winklevoss Exchange LLC","doc_count":1},{"key":"World Omni Financial Corp.","doc_count":1}]}},"state":{"doc_count":324,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"GA","doc_count":78},{"key":"CA","doc_count":34},{"key":"FL","doc_count":34},{"key":"NY","doc_count":29},{"key":"IL","doc_count":26},{"key":"MI","doc_count":18},{"key":"TX","doc_count":16},{"key":"MA","doc_count":11},{"key":"WA","doc_count":11},{"key":"VA","doc_count":7},{"key":"NJ","doc_count":6},{"key":"HI","doc_count":5},{"key":"NE","doc_count":5},{"key":"OH","doc_count":5},{"key":"PA","doc_count":5},{"key":"CO","doc_count":4},{"key":"MO","doc_count":4},{"key":"SC","doc_count":3},{"key":"TN","doc_count":3},{"key":"AZ","doc_count":2},{"key":"MD","doc_count":2},{"key":"MT","doc_count":2},{"key":"DC","doc_count":1},{"key":"IA","doc_count":1},{"key":"KS","doc_count":1},{"key":"KY","doc_count":1},{"key":"MN","doc_count":1},{"key":"MS","doc_count":1},{"key":"NC","doc_count":1},{"key":"OK","doc_count":1},{"key":"VT","doc_count":1},{"key":"WI","doc_count":1},{"key":"WV","doc_count":1},{"key":"WY","doc_count":1}]}},"company_public_response":{"doc_count":324,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":119},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":20}]}},"tags":{"doc_count":324,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":24},{"key":"Older American","doc_count":23},{"key":"Older American, Servicemember","doc_count":5}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[18.937513,"2857963"],"3":[14.420623,"18415614"],"4":[9.428366,"7949610"],"5":[8.202292,"5653097"],"6":[6.8754854,"8343534"],"7":[6.0719833,"9125118"],"8":[6.0338225,"3584415"]}}}