{"took":228,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":679,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3936232","_score":20.672768,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I sent a letter with a copy of my Department of Veterans Affairs ID card, and a copy of my Social Security card, copy of bank statement and two letters showing proof of address to request my free credit report from Equifax on XXXX XX/XX/2020. Sent a certified letter with a copy of my Department of Veterans Affairs ID card, and a copy of my Social Security card, copy of bank statement and two letters showing proof of address on XXXX XX/XX/2020. Equifax refuse to update my address and send me my free credit report by mail, yet they was billing me for online access to Equifax.","date_sent_to_company":"2020-11-04T11:57:49.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"30809","tags":"Servicemember","has_narrative":true,"complaint_id":"3936232","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-11-04T11:07:55.000Z","state":"GA","company_public_response":null,"sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["I sent a <em>letter</em> with a copy of my Department of Veterans Affairs ID <em>card</em>, and a copy of my Social <em>Security</em> <em>card</em>, copy of bank <em>statement</em> and two letters <em>showing</em> proof of address to request my free credit report from Equifax on XXXX XX/XX/2020. Sent a certified <em>letter</em> with a copy of my Department of Veterans Affairs ID <em>card</em>, and a copy of my Social <em>Security</em> <em>card</em>, copy of bank <em>statement</em> and two letters <em>showing</em> proof of address on XXXX XX/XX/2020."]},"sort":[20.672768,"3936232"]},{"_index":"complaint-public-v1","_id":"9196575","_score":18.134935,"_source":{"product":"Debt collection","complaint_what_happened":"I have a collection on my XXXX credit report from Wakefield & Ass. I've written them XXXX times now with no response, each time I've included a notarized dispute letter, photocopies of my XXXX, social security card, current credit card statement, and bank statement. I'm attaching copies of the last XXXX dispute letters, the XXXX reports that provide the addresses to dispute the account at, and certified mail receipts. I also have a video showing me going through all the content of the dispute letter, then putting it into the envelope and handing it to the mail receiver at the XXXX XXXX XXXX.","date_sent_to_company":"2024-06-06T14:51:29.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"379XX","tags":"Servicemember","has_narrative":true,"complaint_id":"9196575","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"W&A Intermediate Co., LLC","date_received":"2024-06-06T14:25:41.000Z","state":"TN","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I've written them XXXX times now with no response, each time I've included a notarized dispute <em>letter</em>, photocopies of my XXXX, social <em>security</em> <em>card</em>, current credit <em>card</em> <em>statement</em>, and bank <em>statement</em>. I'm attaching copies of the last XXXX dispute letters, the XXXX reports that provide the addresses to dispute the account at, and certified mail receipts."]},"sort":[18.134935,"9196575"]},{"_index":"complaint-public-v1","_id":"13688698","_score":17.965084,"_source":{"product":"Credit card","complaint_what_happened":"I am submitting an update to my CFPB complaint regarding Synchrony Banks Card Security Program.\n\nWhile Synchrony issued a partial refund and claims to be refunding the remainder of the unauthorized charges, they have still not provided any documentation showing I agreed to enroll in this program. I never knowingly signed up, consented to, or was aware of the Card Security charges, which date back to XXXX. \n\nI requested itemized statements showing the exact monthly charges and have not received them. Synchrony provided only a form letter dated XX/XX/year>, but that is not proof of my enrollment. They have not shown any signed or verifiable record of my consent. \n\nI am again requesting : Proof of enrollment with my signature or digital confirmation Full monthly statement history of charges Final confirmation of the full refund total Until these are provided, I consider the matter unresolved and request CFPB assistance in holding Synchrony accountable for unauthorized charges.","date_sent_to_company":"2025-05-23T16:00:40.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"062XX","tags":null,"has_narrative":true,"complaint_id":"13688698","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-05-23T15:44:15.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["I am submitting an update to my CFPB complaint regarding Synchrony Banks <em>Card</em> <em>Security</em> Program.\n\nWhile Synchrony issued a partial refund and claims to be refunding the remainder of the unauthorized charges, they have still not provided any documentation <em>showing</em> I agreed to enroll in this program. I never knowingly signed up, consented to, or was aware of the <em>Card</em> <em>Security</em> charges, which date back to XXXX."],"product":["Credit <em>card</em>"],"sub_product":["General-purpose credit <em>card</em> or charge <em>card</em>"]},"sort":[17.965084,"13688698"]},{"_index":"complaint-public-v1","_id":"2649362","_score":17.882717,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX i received a letter from First Progress XXXX XXXX XXXX. \n\nIt states, \" We have not received the verification documents as requested. Therefore as part of our cardholder agreement, we have had to close your credit card account. '' This part im fine with. - ( I had planned to close this account anyways before i have better offers that are unsecured cards. ) However, this part of the letter is my issue. \n\n\" Your security deposit has been credited to your outstanding balance owed. '' You will receive a statement showing the credit for your security deposit and any outstanding balance on your credit card account. \n\nMy card was and has been paid IN FULL since X/X/2017. I DO NOT owe this company a dime but they kept my security deposit. This is 100 % THEFT and FRAUD.","date_sent_to_company":"2017-08-24T04:26:14.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"623XX","tags":null,"has_narrative":true,"complaint_id":"2649362","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Synovus Bank","date_received":"2017-08-24T04:07:34.000Z","state":"IL","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["\" Your <em>security</em> deposit has been credited to your outstanding balance owed. '' You will receive a <em>statement</em> <em>showing</em> the credit for your <em>security</em> deposit and any outstanding balance on your credit <em>card</em> account. \n\nMy <em>card</em> was and has been paid IN FULL since X/X/2017. I DO NOT owe this company a dime but they kept my <em>security</em> deposit. This is 100 % THEFT and FRAUD."],"product":["Credit <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose credit <em>card</em> or charge <em>card</em>"]},"sort":[17.882717,"2649362"]},{"_index":"complaint-public-v1","_id":"2545008","_score":17.49232,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have had a XXXX Barclay Master Card since Barclays started the program. Prior to it was with XXXX. I am a current card holder in good standing with an XXXX credit rating. I applied to upgrade my card to a fee based card with better bonus benefits. I received a letter stating if I did n't respond in 30 days my request would be cancelled. they asked for an original con ed bill from my residence, a copy of my drivers license and a copy of my social security card. I sent the con ed bill and the drivers license and a copy of my XXXX card which is issued from the same governmental dept. everyones XXXX ID is their social security number. either they are cherry picking or discriminating Bafclay refused to accept the XXXX  card. they would not take anything printed from my social security account from the website or a statement showing my social security payments. I do not have my social security card and would require to visit an office to obtain. This makes no sense! XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX","date_sent_to_company":"2017-06-15T18:08:21.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"108XX","tags":"Older American","has_narrative":true,"complaint_id":"2545008","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2017-06-15T17:43:11.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Delay in processing application"},"highlight":{"complaint_what_happened":["I sent the con ed bill and the drivers license and a copy of my XXXX <em>card</em> which is issued from the same governmental dept. everyones XXXX ID is their social <em>security</em> number. either they are cherry picking or discriminating Bafclay refused to accept the XXXX  <em>card</em>. they would not take anything printed from my social <em>security</em> account from the website or a <em>statement</em> <em>showing</em> my social <em>security</em> payments. I do not have my social <em>security</em> <em>card</em> and would require to visit an office to obtain."],"product":["Credit <em>card</em> or prepaid <em>card</em>"],"issue":["Getting a credit <em>card</em>"],"sub_product":["General-purpose credit <em>card</em> or charge <em>card</em>"]},"sort":[17.49232,"2545008"]},{"_index":"complaint-public-v1","_id":"3608795","_score":17.158161,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have been trying to freeze my SageStream report for over 5 months, and they keep claiming they can not verify my identity. I sent another letter last week with my social security card, utility bill, light bill, and bank statement showing my current address. I am in the military and my drivers license shows my old address. I am XXXX in texas and live there currently. \n\nI've also left 2 messages since sending the letter with not response.","date_sent_to_company":"2020-04-16T14:48:29.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"78412","tags":"Servicemember","has_narrative":true,"complaint_id":"3608795","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ID Analytics, Inc.","date_received":"2020-04-16T13:38:13.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I sent another <em>letter</em> last week with my social <em>security</em> <em>card</em>, utility bill, light bill, and bank <em>statement</em> <em>showing</em> my current address. I am in the military and my drivers license shows my old address. I am XXXX in texas and live there currently. \n\nI've also left 2 messages since sending the <em>letter</em> with not response."]},"sort":[17.158161,"3608795"]},{"_index":"complaint-public-v1","_id":"3206973","_score":17.154179,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I received a statement from XXXX XXXX - XXXX XXXX around XX/XX/2019 showing a balance of XXXX. This is a fraudulent account. I have never applied with XXXX XXXX or ever made any purchase from them. \nI called their customer service to inform them and the rep insisted that they would not help me unless I provided my full Social Security number even though I had received statement to my home address and had given them fraudulent account 's number they refused to assist over the phone with out me disclosing my full Social Security number. I have dealt with credit card companies in the past and they have never asked for full Social Security number. I do not trust giving them this information over the phone. \nI sent letter refuting the account and informing them the account was FRAUD and ID theft. The letter was sent around XX/XX/2019. I filed report with FTC and used form letter from IdentityTheft.gov website. I attached the report and copy of statement for fraudulent account. \nXXXX XXXX continues to send junk mail but they have never confirmed the fraudulent account has been closed.","date_sent_to_company":"2019-04-10T16:01:49.000Z","issue":"Getting a credit card","sub_product":"Store credit card","zip_code":"90404","tags":null,"has_narrative":true,"complaint_id":"3206973","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2019-04-09T19:35:22.000Z","state":"CA","company_public_response":null,"sub_issue":"Card opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["I called their customer service to inform them and the rep insisted that they would not help me unless I provided my full Social <em>Security</em> number even though I had received <em>statement</em> to my home address and had given them fraudulent account 's number they refused to assist over the phone with out me disclosing my full Social <em>Security</em> number. I have dealt with credit <em>card</em> companies in the past and they have never asked for full Social <em>Security</em> number."],"product":["Credit <em>card</em> or prepaid <em>card</em>"],"issue":["Getting a credit <em>card</em>"],"sub_product":["Store credit <em>card</em>"],"sub_issue":["<em>Card</em> opened as result of identity theft or fraud"]},"sort":[17.154179,"3206973"]},{"_index":"complaint-public-v1","_id":"14039820","_score":17.039572,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian XXXX. XXXX, XXXX XXXX, TX, XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is complete. The following credit card account ( XXXX XXXX XXXX XXXX XXXXXXXX ) still is reporting as 30 days late for the date of XX/XX/XXXX. I am going to attach the following verifiable proof showing your company I indeed was not late for the month of XX/XX/XXXX. \n\nXXXX XXXX XXXX XXXX statement, Dated XXXX showing no late payments and two payments dated : XX/XX/XXXX, and XX/XX/XXXX, leaving the account paid in full with an over payment of {$1.00}. \nXXXX XXXX XXXX XXXX  statement, Dated XXXX showing no late payments. Screen shot of my XXXX credit report showing account number XXXX XXXXXXXX never late and paid. From the months of XXXX. 7 months since the account has been open. Screen shot from my XXXX report showing all 7 months paid never late for XXXX XXXX account XXXX  XXXXProof of identity ( drivers license, social security card, and recent billing statement ) proving mailing address. First letter sent to your company in regards to this account and the late payment for XX/XX/XXXX","date_sent_to_company":"2025-06-12T13:45:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76082","tags":null,"has_narrative":true,"complaint_id":"14039820","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-12T13:34:44.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX  <em>statement</em>, Dated XXXX <em>showing</em> no late payments. Screen shot of my XXXX credit report <em>showing</em> account number XXXX XXXXXXXX never late and paid. From the months of XXXX. 7 months since the account has been open. Screen shot from my XXXX report <em>showing</em> all 7 months paid never late for XXXX XXXX account XXXX  XXXXProof of identity ( drivers license, social <em>security</em> <em>card</em>, and recent billing <em>statement</em> ) proving mailing address."]},"sort":[17.039572,"14039820"]},{"_index":"complaint-public-v1","_id":"19454863","_score":17.029549,"_source":{"product":"Credit card","complaint_what_happened":"In XX/XX/XXXX, I received the credit card and a separate letter stating that the account had been suspended due to a potential security concern. The account was restricted by the issuer. \n\nI did not receive any billing statements showing a balance due or a payment due date by mail or email for XX/XX/XXXX. My account shows that they charged me for XX/XX/XXXX mailed billing statement. \n\nOn XX/XX/XXXX, a payment was apparently due. Because I had not received any billing statement or notice of a balance due, and the account was under a security restriction initiated by the issuer, I was not aware that a payment was required. \n\nThe company later assessed a {$30.00} late fee and approximately {$3.00} in interest. On XX/XX/XXXX, a partial credit of {$15.00} was issued, but the remaining fees were not removed. \n\nI previously filed a CFPB complaint regarding this matter. The company responded that the fees were valid under the credit card agreement and uploaded copies of the billing statements after the fact. However, uploading statements during a complaint response does not establish that the statements were delivered to me prior to the due date. \n\nMy dispute is not about general contract terms. It is about the failure to provide billing statements or notice of a balance due while the account was restricted due to a security hold initiated by the issuer. Assessing late fees and interest without proper statement delivery and notice is not appropriate. \n\nI am requesting reversal of the remaining fees.","date_sent_to_company":"2026-02-12T17:54:10.000Z","issue":"Fees or interest","sub_product":"Store credit card","zip_code":"91354","tags":null,"has_narrative":true,"complaint_id":"19454863","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2026-02-12T17:40:10.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["In XX/XX/XXXX, I received the credit <em>card</em> and a separate <em>letter</em> stating that the account had been suspended due to a potential <em>security</em> concern. The account was restricted by the issuer. \n\nI did not receive any billing <em>statements</em> <em>showing</em> a balance due or a payment due date by mail or email for XX/XX/XXXX. My account shows that they charged me for XX/XX/XXXX mailed billing <em>statement</em>. \n\nOn XX/XX/XXXX, a payment was apparently due."],"product":["Credit <em>card</em>"],"sub_product":["Store credit <em>card</em>"]},"sort":[17.029549,"19454863"]},{"_index":"complaint-public-v1","_id":"9782725","_score":17.00127,"_source":{"product":"Checking or savings account","complaint_what_happened":"My wife is an XXXX  from XXXX. I've had an account with Wealthfront for a year or so now and wanted to open a joint account with her, so we had to wait for her social security number to come through and for her visa to be approved. Once approved we started to open the account, and sent a picture of her permanent resident card with the letter attached to it showing the correct address, submitted a social security card with the letter with correct address attached to it, and have submitted a letter from her bank account with XXXX that shows her correct address on it, they are refusing to open the account and claim they can not open it unless I send them a copy of her bank statement showing the address. \n\nI feel they are discriminating because she is an XXXX, I've never seen any company let alone a bank refuse to verify someone's address with copies of literal federal documents, and a letter from her bank. I'm working on getting a copy of her statement to submit, but this is insanity. \n\nThese are their requirements : XXXX ( Wealthfront Support ) XX/XX/year>, XXXX PDT Hi XXXX, Thanks for the email. You'll need to provide one of the below for address verification. \n\nAcceptable Address Verification Documents These can not be older than 3 months, must include dates, and must not be redacted : Residential utility bill Bank account statement Employers pay stub Insurance documentation Phone bill Mortgage statements The prior documents you've uploaded are not accepted documents for the address verification. \n\nShe has no bills bc she has had no social, has no full time job, so can't provide a stub, has no insurance, so can't provide that, has no mortgage, so can't provide that, she could possibly get her phone bill, but it is paid yearly through XXXX XXXX. so the only option is a bank statement. \nThis process leaves XXXX  with very few options to verify and open bank accounts.","date_sent_to_company":"2024-08-13T23:46:12.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"43228","tags":null,"has_narrative":true,"complaint_id":"9782725","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WEALTHFRONT CORPORATION","date_received":"2024-08-13T23:33:52.000Z","state":"OH","company_public_response":null,"sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["Once approved we started to open the account, and sent a picture of her permanent resident <em>card</em> with the <em>letter</em> attached to it <em>showing</em> the correct address, submitted a social <em>security</em> <em>card</em> with the <em>letter</em> with correct address attached to it, and have submitted a <em>letter</em> from her bank account with XXXX that shows her correct address on it, they are refusing to open the account and claim they can not open it unless I send them a copy of her bank <em>statement</em> <em>showing</em> the address."]},"sort":[17.00127,"9782725"]},{"_index":"complaint-public-v1","_id":"2931264","_score":16.758146,"_source":{"product":"Debt collection","complaint_what_happened":"I have been to court and was making payments as agreed as per court order. However, the debt collection agency ( XXXX XXXX XXXX ) refuses to send me monthly statements showing payments and balance on the account. I have reached out to them on several occasions with no success in resolving this issue. I stopped making payments due to there is no way on knowing when the debt will be paid with no statements. The debt collector is unreasonable and will not come to a reasonable solution in this case. Midland has taken money out of my account which are the funds from my monthly social security check. I received a letter about going to court to garnish my wages after the funds had already been taken from account with my social security. The balance continues to rise due to adding on late and attorney fees and court cost. I did not receive any notification about a court date regarding garnishing my wages. I have bank statements showing the payments that have been made to this company and the balance continues to go up. Midland has tried to collect this debt for XXXX XXXX XXXX the original creditor. The original creditor ( XXXX XXXX XXXX ) has solicited me to obtain another credit card. I used the card to see if it was legitimate but later called to closed the account. Please help with this in any way you can I am an elderly woman that can not afford anyone taking funds from social security benefits. I am the head of my household and spend a lot on medicine and doctor visits from my illness of being a XXXX.","date_sent_to_company":"2018-06-10T06:52:09.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"33441","tags":"Older American","has_narrative":true,"complaint_id":"2931264","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2018-06-10T00:32:55.000Z","state":"FL","company_public_response":null,"sub_issue":"Collected or attempted to collect exempt funds"},"highlight":{"complaint_what_happened":["I have bank <em>statements</em> <em>showing</em> the payments that have been made to this company and the balance continues to go up. Midland has tried to collect this debt for XXXX XXXX XXXX the original creditor. The original creditor ( XXXX XXXX XXXX ) has solicited me to obtain another credit <em>card</em>. I used the <em>card</em> to see if it was legitimate but later called to closed the account."],"sub_product":["Credit <em>card</em> debt"]},"sort":[16.758146,"2931264"]},{"_index":"complaint-public-v1","_id":"6051418","_score":16.730356,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"When I applied for rooms to go credit card XXXXXXXX XXXX was in the store, and no body told me about security card program, I never received any information about it and I NEVER agree with this monthly charge. I called so many times to cardsecurity and request a copy of my agreement whit this service and they send me a letter telling me I agree when I click on my application online, that is incorrect because a employee on rooms to go did the process for me. \n\nI cancel the service, and they offer me XXXX dollars for the inconvenience! I claim a fraude process but they only said wrong information about my account. I was unemployed for 1 year since covid, if I know a had this service for sure I was applied for the benefit. \n\nI called Rooms to go and after talked with XXXX representatives any one give me a solution, I called myshyncronic bank To make a fraud claim for take my money without my permission. \n\nI tried to contact the 3 companies a any one wants to fix my problem and security card do not have any record about contract or agreement showing my permission o prove of this purchase. \n\nI requested the statements from XX/XX/2017 and they are on the way. I send you a statement from XXXX with a unauthorized charge from my security card.","date_sent_to_company":"2022-10-20T19:15:20.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"76012","tags":"Servicemember","has_narrative":true,"complaint_id":"6051418","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2022-10-05T14:36:43.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I tried to contact the 3 companies a any one wants to fix my problem and <em>security</em> <em>card</em> do not have any record about contract or agreement <em>showing</em> my permission o prove of this purchase. \n\nI requested the <em>statements</em> from XX/XX/2017 and they are on the way. I send you a <em>statement</em> from XXXX with a unauthorized charge from my <em>security</em> <em>card</em>."],"product":["Credit <em>card</em> or prepaid <em>card</em>"],"issue":["Problem with a purchase shown on your <em>statement</em>"],"sub_product":["Store credit <em>card</em>"],"sub_issue":["<em>Card</em> was charged for something you did not purchase with the <em>card</em>"]},"sort":[16.730356,"6051418"]},{"_index":"complaint-public-v1","_id":"1402063","_score":16.528563,"_source":{"product":"Credit reporting","complaint_what_happened":"I have written Experian XXXX. I have included a copy of my drivers license, social security card, and even page XXXX of my current bank statement showing my name and residence. EXACTLY WHAT THEIR WEB SITE SAYS TO DO! \nThe XXXX letter they said was suspicious and they refused to do anything. The XXXX letter they ignored me and did not even respond! I have heard stories and read news reports of abuses by these companies and I shocked that I am now a victim of them. I called the XXXX attorneys office and they suggested I file a complaint here and you would help me as this is a Federal issue.","date_sent_to_company":"2015-06-02T15:11:37.000Z","issue":"Unable to get credit report/credit score","sub_product":null,"zip_code":"28715","tags":null,"has_narrative":true,"complaint_id":"1402063","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2015-06-02T15:11:36.000Z","state":"NC","company_public_response":"Company chooses not to provide a public response","sub_issue":"Problem getting report or credit score"},"highlight":{"complaint_what_happened":["I have included a copy of my drivers license, social <em>security</em> <em>card</em>, and even page XXXX of my current bank <em>statement</em> <em>showing</em> my name and residence. EXACTLY WHAT THEIR WEB SITE SAYS TO DO! \nThe XXXX <em>letter</em> they said was suspicious and they refused to do anything. The XXXX <em>letter</em> they ignored me and did not even respond! I have heard stories and read news reports of abuses by these companies and I shocked that I am now a victim of them."]},"sort":[16.528563,"1402063"]},{"_index":"complaint-public-v1","_id":"1785475","_score":16.471624,"_source":{"product":"Debt collection","complaint_what_happened":"I needed to pay off my XXXX credit card placed at Midland as a requirement for a new job. I needed to have the debt paid and provide a letter showing I paid the debt for my security clearance. I paid the settlement Midland ands I agreed upon, however Midland still shows the account with a balance due on my credit report, the letter I received does not state the account is paid off and I requested a letter stating on their letter head the account is payoff to provide for my employer and they refuse. I was told to use their website to show the balance is zero, but it only states I need to call to request information on the balance. I attached the screen shot. Midland used deceptive, misleading and false statements to get me to pay off the debt.","date_sent_to_company":"2016-02-13T02:26:52.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"Credit card","zip_code":"92563","tags":null,"has_narrative":true,"complaint_id":"1785475","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2016-02-13T02:26:52.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["I needed to pay off my XXXX credit <em>card</em> placed at Midland as a requirement for a new job. I needed to have the debt paid and provide a <em>letter</em> <em>showing</em> I paid the debt for my <em>security</em> clearance."],"sub_product":["Credit <em>card</em>"]},"sort":[16.471624,"1785475"]},{"_index":"complaint-public-v1","_id":"1786403","_score":16.445826,"_source":{"product":"Debt collection","complaint_what_happened":"I needed to pay off my HSBC credit card placed at XXXX as a requirement for a new job. I needed to have the debt paid and provide a letter showing I paid the debt for my security clearance. I paid the settlement XXXX ands I agreed upon, however XXXX still shows the account with a balance due on my credit report, the letter I received does not state the account is paid off and I requested a letter stating on their letter head the account is payoff to provide for my employer and they refuse. I was told to use their website to show the balance is zero, but it only states I need to call to request information on the balance. I attached the screen shot. XXXX used deceptive, misleading and false statements to get me to pay off the debt.","date_sent_to_company":"2016-02-13T02:26:55.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"Credit card","zip_code":"92563","tags":null,"has_narrative":true,"complaint_id":"1786403","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HSBC NORTH AMERICA HOLDINGS INC.","date_received":"2016-02-13T02:26:54.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["I needed to pay off my HSBC credit <em>card</em> placed at XXXX as a requirement for a new job. I needed to have the debt paid and provide a <em>letter</em> <em>showing</em> I paid the debt for my <em>security</em> clearance. I paid the settlement XXXX ands I agreed upon, however XXXX still shows the account with a balance due on my credit report, the <em>letter</em> I received does not state the account is paid off and I requested a <em>letter</em> stating on their <em>letter</em> head the account is payoff to provide for my employer and they refuse."],"sub_product":["Credit <em>card</em>"]},"sort":[16.445826,"1786403"]},{"_index":"complaint-public-v1","_id":"3312669","_score":16.178734,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On approximately XX/XX/XXXX I initiated a dispute through XXXX for an item in collection through XXXX XXXX XXXX That debt, assigned XX/XX/XXXX for {$200.00}, is inaccurate. It was paid via XXXX XXXX ending XXXX in the amount of {$130.00} on XX/XX/XXXX. I sent the credit card statement showing that charge, which originated from a XXXX visit on the aforementioned date. Numerous attempts to contact that collection agency via phone and traditional mail have proved unsuccessful, which is precisely why I disputed the transaction. I disputed the transaction via traditional mail since Equifax 's online dispute process refused to recognize me. I received a letter around XX/XX/XXXX, thirteen days after my initial dispute efforts, claiming they needed \" additional information to verify my identity ''. I mailed them back the requested copy of my social security card and a copy of my lease agreement. I received another letter on XX/XX/XXXX restating the same information and asking for another copy of my social security card and proof of residency.","date_sent_to_company":"2019-07-20T05:12:09.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"97214","tags":null,"has_narrative":true,"complaint_id":"3312669","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-07-20T00:57:01.000Z","state":"OR","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["I received a <em>letter</em> around XX/XX/XXXX, thirteen days after my initial dispute efforts, claiming they needed \" additional information to verify my identity ''. I mailed them back the requested copy of my social <em>security</em> <em>card</em> and a copy of my lease agreement. I received another <em>letter</em> on XX/XX/XXXX restating the same information and asking for another copy of my social <em>security</em> <em>card</em> and proof of residency."]},"sort":[16.178734,"3312669"]},{"_index":"complaint-public-v1","_id":"8154696","_score":16.160988,"_source":{"product":"Credit card","complaint_what_happened":"I haves applied for a credit card with American Express around XX/XX/XXXXXXXX  and was denied. I then received an adverse action letter in the mail dated XX/XX/XXXXXXXX   with them showing lack of sympathy for denying me my credit. My application/promissory note and or security gave consideration and secured payment, which now was stolen by American Express . My application/ promissory not was turned into a debt security according to their prospectus, which is then sold on the primary and secondary markets. I received no benefit for providing my security to American Express and no remedy to solve this matter. This is SECURITIES FRAUD which also violates their agreement with the SEC for Securities Exchange Act of 1934.\n\n240.10b-5 Employment of manipulative and deceptive devices. \n\nIt shall be unlawful for any person, directly or indirectly, by the use of any means or instrumentality of interstate commerce, or of the mails or of any facility of any national securities exchange, ( a ) To employ any device, scheme, or artifice to defraud, ( b ) To make any untrue statement of a material fact or to omit to state a material fact necessary in order to make the statements made, in the light of the circumstances under which they were made, not misleading, or ( c ) To engage in any act, practice, or course of business which operates or would operate as a fraud or deceit upon any person, in connection with the purchase or sale of any security.","date_sent_to_company":"2024-01-13T19:56:01.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"14624","tags":null,"has_narrative":true,"complaint_id":"8154696","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-01-13T19:52:00.000Z","state":"NY","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["I haves applied for a credit <em>card</em> with American Express around XX/XX/XXXXXXXX  and was denied. I then received an adverse action <em>letter</em> in the mail dated XX/XX/XXXXXXXX   with them <em>showing</em> lack of sympathy for denying me my credit. My application/promissory note and or <em>security</em> gave consideration and secured payment, which now was stolen by American Express ."],"product":["Credit <em>card</em>"],"issue":["Getting a credit <em>card</em>"],"sub_product":["General-purpose credit <em>card</em> or charge <em>card</em>"]},"sort":[16.160988,"8154696"]},{"_index":"complaint-public-v1","_id":"8154519","_score":16.15726,"_source":{"product":"Credit card","complaint_what_happened":"I have applied for a credit card with American Express around XX/XX/XXXX and was denied. I then received an adverse action letter in the mail dated XX/XX/XXXX with them showing lack of sympathy for denying me my credit. My application/promissory note and or security gave consideration and secured payment, which now was stolen by American Express XXXX My application/ promissory not was turned into a debt security according to their prospectus, which is then sold on the primary and secondary markets. I received no benefit for providing my security to American Express and no remedy to solve this matter. This is SECURITIES FRAUD which also violates their agreement with the SEC for Securities Exchange Act of 1934. \n\n240.10b-5 Employment of manipulative and deceptive devices. \n\nIt shall be unlawful for any person, directly or indirectly, by the use of any means or instrumentality of interstate commerce, or of the mails or of any facility of any national securities exchange, ( a ) To employ any device, scheme, or artifice to defraud, ( b ) To make any untrue statement of a material fact or to omit to state a material fact necessary in order to make the statements made, in the light of the circumstances under which they were made, not misleading, or ( c ) To engage in any act, practice, or course of business which operates or would operate as a fraud or deceit upon any person, in connection with the purchase or sale of any security.","date_sent_to_company":"2024-01-13T19:50:57.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"14624","tags":null,"has_narrative":true,"complaint_id":"8154519","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-01-13T19:03:40.000Z","state":"NY","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["I have applied for a credit <em>card</em> with American Express around XX/XX/XXXX and was denied. I then received an adverse action <em>letter</em> in the mail dated XX/XX/XXXX with them <em>showing</em> lack of sympathy for denying me my credit."],"product":["Credit <em>card</em>"],"issue":["Getting a credit <em>card</em>"],"sub_product":["General-purpose credit <em>card</em> or charge <em>card</em>"]},"sort":[16.15726,"8154519"]},{"_index":"complaint-public-v1","_id":"16324916","_score":16.137068,"_source":{"product":"Credit card","complaint_what_happened":"I have a problem with a capital one secured credit card account. The account was charged off in XXXX of 2023 with a balance of {$370.00}. I paid that balance of a few months later. I was expecting to get my {$1000.00} deposit back but the said my balance was {$1300.00} and they applied my security deposit to the balance which brought it down to the {$370.00} which I paid off. Now I dont remember my balance ever being that high especially because I had a limit of {$1000.00}. I asked them to send me the statements showing how the balance was {$1300.00} and they said okay. I just got a letter in the mail saying since the account was charged off they couldnt generate statements.","date_sent_to_company":"2025-10-02T19:41:55.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"61401","tags":null,"has_narrative":true,"complaint_id":"16324916","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-10-02T19:35:23.000Z","state":"IL","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["I asked them to send me the <em>statements</em> <em>showing</em> how the balance was {$1300.00} and they said okay. I just got a <em>letter</em> in the mail saying since the account was charged off they couldnt generate <em>statements</em>."],"product":["Credit <em>card</em>"],"sub_product":["General-purpose credit <em>card</em> or charge <em>card</em>"]},"sort":[16.137068,"16324916"]},{"_index":"complaint-public-v1","_id":"3066685","_score":15.952981,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am having a problem with Transunion. I want to freeze my XXXX year old son 's credit. I reviewed the instructions on Transunion 's website on how to request a security freeze for a minor. After reading their instructions, I mailed them a letter explaining that I am trying to freeze my son 's credit. In my letter, I provided his name, birthday, social security number, and two years worth of addresses. I also provided my name, my birthday, my social security number, and two years of my addresses. I signed the letter, and provided my name, phone number, email address, and mailing address. \n\nI mailed this letter to Transunion, along with a copy of my son 's birth certificate, a copy of my son 's social security card, a copy of my own birth certificate, a copy of my own social security card, a copy of my drivers license showing my current address, and a copy of my most recent electric bill which shows both my name and current address. \n\nI received a response from Transunion saying I had failed to submit all required documentation. Their letter is not clear, and required some creative reading to understand. To the best of my ability, I interpret their letter as saying that I failed to submit proof of authority to act on behalf of my XXXX year old son. According to the letter, proof of authority would be : ( 1 ) a court order, ( 2 ) power of attorney, or ( 3 ) a written notarized statement expressly describing the authority to act on behalf of a protected consumer.\n\n( 1 ) There is no court order for my son that I can submit, because my son lives with his happily married parents who have not reason to get a custody order. ( 2 ) My son is XXXX year old, so lacks capacity to grant a power of attorney to me. *3 ) I guess this means I need to submit a \" written notarized statement expressly describing the authority to act on behalf of a protected consumer, '' but XXXX is that???  Should I have gotten notarized my letter saying I am my child 's mother, and want to freeze his credit. Was the birth certificate showing I am his mother not enough? Additionally, a written, notarized statement is NOT a requirement listed on the Transunion website instructions for requesting a security freeze. \n\nI attempted to resolve this problem by calling the phone number listed on the letter to ask what a \" written notarized statement expressly describing the authority to act on behalf of a protected consumer '' is supposed to say. The person I spoke with did not appear to understand what a protected consumer freeze is, and would not talk to me about my XXXX year old son 's credit because she can only talk to me about my own credit. \n\nI am submitting this complaint to the CFPB because the CFPB should do something to require credit agencies to make a common sense procedure to freeze a child 's credit. This should not be a difficult process. \n\nMY FILE NUMBER WITH TRANSUNION REGARDING THIS ISSUE IS : XXXX. \n\nThank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ***PS, I had no problem freezing my son 's credit with XXXX and XXXX .","date_sent_to_company":"2018-11-06T14:39:31.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"22031","tags":"Servicemember","has_narrative":true,"complaint_id":"3066685","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-11-06T14:01:51.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I signed the <em>letter</em>, and provided my name, phone number, email address, and mailing address. \n\nI mailed this <em>letter</em> to Transunion, along with a copy of my son 's birth certificate, a copy of my son 's social <em>security</em> <em>card</em>, a copy of my own birth certificate, a copy of my own social <em>security</em> <em>card</em>, a copy of my drivers license <em>showing</em> my current address, and a copy of my most recent electric bill which shows both my name and current address."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[15.952981,"3066685"]},{"_index":"complaint-public-v1","_id":"4427908","_score":15.944387,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On, XX/XX/2021 I received a letter from Capital One regarding my XXXX XXXX Credit Card. It stated that they had put a hold on my card. I called that day and was unable to receive information on the card, unless I sent them a copy of my Driver 's License, Social Security Card and a Utility Statement. I explained that I was not comfortable sending this information as I am already a victim of identity theft. They stated they could not give me any information. I requested that they close the card and told them I was cutting the card up. They stated again that they could not close the card unless I sent them the copies they requested. The last statement I received on the account was XX/XX/2021 which at the time showed a negative balance on the card of $ XXXX. On XX/XX/2021 we were reviewing our personal checking account and saw that a {$300.00} transfer came out of our account and went to Capital One. We called to question the transaction as we did not authorize this to come out. Again the individuals with Capital One stated they could not release the information without the copies of the cardholders Social Security Card, Driver 's License and a Utility Statement. XXXX who was the Customer Service Rep with Capital One stated there is a balance of {$400.00} on the account. I requested a statement showing this. They stated they could not provide that without the requested documents. I informed them that I was turning this over to the Attorney General 's Office. They stated they did not care as they were a large company. I called my daughter who then came to assist. We called Capital One again and requested to talk to a Fraud Manager. We spoke with a XXXX. XXXX stated that they could not give any information on the account without the documents. My daughter explained that we would not send copies of the documents in an unsecure manner and requested that they send the request in writing to the cardholder. XXXX stated they could not do that. My daughter also requested that a statement be sent to the cardholder which is me so that we would know what charges are on the account as we have not received a statement since XX/XX/2021. My daughter also explained to XXXX that since the cardholder requested the card be closed that if transactions that took place after the request and if they were not done by the cardholder that the cardholder would not be responsible for those charges and that they are also required to send a statement on the credit card account showing the charges and balances owed. The information they are requesting is private information and their should be other ways they could verify that I am the cardholder without having the physical copies of my information or their should be a secure method to send them and this should be a request that can be given in writing. We would like the CFPB to investigate the company and their privacy methods, regulation compliance. I will be disputing the {$300.00} charge that they took out of our account as well.","date_sent_to_company":"2021-06-03T16:47:12.000Z","issue":"Other features, terms, or problems","sub_product":"Store credit card","zip_code":"65401","tags":"Older American","has_narrative":true,"complaint_id":"4427908","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2021-06-03T16:23:48.000Z","state":"MO","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["On, XX/XX/2021 I received a <em>letter</em> from Capital One regarding my XXXX XXXX Credit <em>Card</em>. It stated that they had put a hold on my <em>card</em>. I called that day and was unable to receive information on the <em>card</em>, unless I sent them a copy of my Driver 's License, Social <em>Security</em> <em>Card</em> and a Utility <em>Statement</em>. I explained that I was not comfortable sending this information as I am already a victim of identity theft. They stated they could not give me any information."],"product":["Credit <em>card</em> or prepaid <em>card</em>"],"sub_product":["Store credit <em>card</em>"]},"sort":[15.944387,"4427908"]},{"_index":"complaint-public-v1","_id":"4380108","_score":15.888514,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XXXX XXXX, 2021 I received a form letter from Nordstrom stating that it had \" blocked '' an account for \" security. '' The day it issued the card, it says, {$800.00} was charged to the card, so it blocked it. The charges occurred at two stores fifty miles from my home. There is a Nordstrom store three miles from my home. I wrote a letter to Nordstrom, on XX/XX/XXXX, stating I have no credit card relationship with Nordstrom, never had. I received phone calls from Nordstrom, restated the fact that Nordstrom and I have no legal relationship whatever. I confirmed the statement a second time by letter dated XX/XX/2021. \" Nordstrom '' refuses to go away, it keeps sending monthly statements, robo calls, and now states it has reported its claim to a credit agency. I wrote a third letter, dated XX/XX/XXXX, enclosing a copy of my driver license and a copy of the State Bar of California page showing I am licensed to practice law. I repeated that whoever and however Nordstrom issued a card, it did not issue it to me. I demanded all documents which show how it issued the card and what facts it possesses that supports its claim it issued the card to me. \" Nordstrom '' has not responded in writing to the letters. I am XXXX, a male, and have never purchased anything in a Nordstrom store. How to make this block of stone stop harassing me? Suing it is not a solution for a XXXX year old man with severe congestive XXXX XXXX.","date_sent_to_company":"2021-05-21T16:15:50.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"90274","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"4380108","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2021-05-15T21:06:25.000Z","state":"CA","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I confirmed the <em>statement</em> a second time by <em>letter</em> dated XX/XX/2021. \" Nordstrom '' refuses to go away, it keeps sending monthly <em>statements</em>, robo calls, and now states it has reported its claim to a credit agency. I wrote a third <em>letter</em>, dated XX/XX/XXXX, enclosing a copy of my driver license and a copy of the State Bar of California page <em>showing</em> I am licensed to practice law. I repeated that whoever and however Nordstrom issued a <em>card</em>, it did not issue it to me."],"product":["Credit <em>card</em> or prepaid <em>card</em>"],"issue":["Problem with a purchase shown on your <em>statement</em>"],"sub_product":["Store credit <em>card</em>"],"sub_issue":["<em>Card</em> was charged for something you did not purchase with the <em>card</em>"]},"sort":[15.888514,"4380108"]},{"_index":"complaint-public-v1","_id":"2418552","_score":15.840539,"_source":{"product":"Debt collection","complaint_what_happened":"I sent a written verification/validation request after receiving a collection letter from Diversified Consultant in regards to a XXXX XXXX account. In my request I asked for documentation that shows a signed contract between XXXX and myself and also documentation showing any physical identification that was used to obtain the account. Diversified Consultant responded back and only included a billing statement showing the amount supposedly owed to XXXX XXXX. I have no knowledge of an account with XXXX XXXX and have not been shown any physical proof that the account belongs to me other than a billing statement that was sent to me by Diversified Consultant. Currently XXXX XXXX is reporting a delinquent account to my XXXX credit bureaus but can not and has not provide me with verification as required by law. This negative reporting needs to be deleted off all XXXX reporting agencies unless XXXX XXXX or its collection agency Diversified Consultant can provide me with physical proof in the form of a signed contract with my signature and identifying photo ID and social security card that was used to obtain this account","date_sent_to_company":"2017-04-05T03:47:34.000Z","issue":"Disclosure verification of debt","sub_product":"Other (i.e. phone, health club, etc.)","zip_code":"61103","tags":null,"has_narrative":true,"complaint_id":"2418552","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Diversified Consultants, Inc.","date_received":"2017-04-05T03:47:33.000Z","state":"IL","company_public_response":null,"sub_issue":"Not given enough info to verify debt"},"highlight":{"complaint_what_happened":["I sent a written verification/validation request after receiving a collection <em>letter</em> from Diversified Consultant in regards to a XXXX XXXX account. In my request I asked for documentation that shows a signed contract between XXXX and myself and also documentation <em>showing</em> any physical identification that was used to obtain the account. Diversified Consultant responded back and only included a billing <em>statement</em> <em>showing</em> the amount supposedly owed to XXXX XXXX."]},"sort":[15.840539,"2418552"]},{"_index":"complaint-public-v1","_id":"11913318","_score":15.4159775,"_source":{"product":"Credit card","complaint_what_happened":"I was in XXXX and took a cab from the center of the city to the airport. Upon arrival at the airport, I gave the cab driver my credit card. He had the card for 2-4 minutes. He handed the card back to me and I asked for a receipt. He indicated that he could not provide the receipt. It was XXXX and we needed to clear security ( 2 hours prior to departure ) and I left the cab with my card and no receipt. I cleared security and went directly to the XXXX XXXX XXXX XXXX XXXXXXXX ). When I arrived home on my statement there was no charge for the cab ride. There was however a charge of XXXX for clothing at a store for clothes at XXXX. It was impossible for me to make this purchase since I was in the airport and in the lunge waiting to go to my gate. I provided to CITI a photo showing the meter ( when he indicated that he could not give me a receipt, we took a picture of the meter in hopes of getting reimbursed by my organization ). I have called CITI three time, the matter has been \" escalated '' and denied ( formal letter sent to me ). I am absolutely at the end of my rope trying to get this resolved.","date_sent_to_company":"2025-02-03T14:01:43.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"74075","tags":"Older American","has_narrative":true,"complaint_id":"11913318","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-02-03T13:46:23.000Z","state":"OK","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["Upon arrival at the airport, I gave the cab driver my credit <em>card</em>. He had the <em>card</em> for 2-4 minutes. He handed the <em>card</em> back to me and I asked for a receipt. He indicated that he could not provide the receipt. It was XXXX and we needed to clear <em>security</em> ( 2 hours prior to departure ) and I left the cab with my <em>card</em> and no receipt. I cleared <em>security</em> and went directly to the XXXX XXXX XXXX XXXX XXXXXXXX ). When I arrived home on my <em>statement</em> there was no charge for the cab ride."],"product":["Credit <em>card</em>"],"issue":["Problem with a purchase shown on your <em>statement</em>"],"sub_product":["General-purpose credit <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Card</em> was charged for something you did not purchase with the <em>card</em>"]},"sort":[15.4159775,"11913318"]},{"_index":"complaint-public-v1","_id":"13823524","_score":15.392052,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I sent the letter to your company, Discover card requesting a full chain of assignment andassigned contract with my wet seal sign signature I requested that you send a signed letter saying you have the authority to collect on his debt because Discover card. put their account into receivables. this is verified through the SEC website so if this account was put into receivables, that means this account is under the Discover trust and Discover card doesnt have the authority right to collect on this account or report this account to the collection agencies, please show proof of a full chain of assignment the securitization of this account that was put into receivables under the SEC website that you have the right and you ought a full owner to collect on this account and that binding contract where I signed. 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