{"took":394,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":785,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10829129","_score":17.097872,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I opened a new account with Webull Pay, with an intent to invest in cryptocurrency. However, given the surge in cryptocurrency prices recently, I no longer want to invest and I want to transfer my funds out of Webull Pay. Webull Pay has informed me that they are not allowing me to transfer my own money for XXXX  days. \n\nThis \" XXXX  day '' rule was messaged to me as a \" updated security measures ''. It is completely unacceptable to acknowledge that the money is mine but do not allow me to withdraw it. XXXX  days means loss in other investment opportunities that I have. \n\nIf they have security concerns, they should give customers a way to submit supplementary materials like a letter of good standing, not disallowing customers to have access to their own money.","date_sent_to_company":"2024-11-17T15:14:45.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"110XX","tags":null,"has_narrative":true,"complaint_id":"10829129","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WEBULL PAY HOLDINGS (US) INC","date_received":"2024-11-17T15:01:17.000Z","state":"NY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["However, given the surge in cryptocurrency prices recently, I no longer want to invest and I want to <em>transfer</em> my funds out of Webull Pay. Webull Pay has informed me that they are not <em>allowing</em> me to <em>transfer</em> my own money for XXXX  days. \n\nThis \" XXXX  day '' rule was messaged to me as a \" updated <em>security</em> measures ''. It is completely unacceptable to acknowledge that the money is mine but do not <em>allow</em> me to withdraw it. XXXX  days means loss in other investment opportunities that I have."],"product":["Money <em>transfer</em>, virtual currency, or money service"],"sub_product":["Domestic (US) money <em>transfer</em>"]},"sort":[17.097872,"10829129"]},{"_index":"complaint-public-v1","_id":"20809802","_score":15.743235,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint because Truist failed to maintain and apply adequate security controls on my business account, which allowed unauthorized access and caused a substantial financial loss. \nOn XX/XX/year>, an unauthorized person gained access to my account and was able to change the phone number used for two factor authentication to a number that was not mine. After that security change, two unauthorized ACH transfers totaling {$19000.00} were processed from my account. There were also two deposits posted to the account that I did not recognize or authorize. \nI discovered the fraud on the same day and notified Truist within hours. Truist has opened a fraud investigation, which is currently ongoing. However, I have been informed that if the funds can not be recovered, reimbursement may not be provided. \nMy concern is that a critical security credential tied to account access was changed by an unauthorized party, and unauthorized ACH activity was allowed afterward, despite being inconsistent with my account activity and authorization. \nI am requesting a full investigation, a written explanation of how the two factor authentication phone number was changed, what verification procedures were used, why the ACH transfers were permitted after the account takeover, and reimbursement for all unauthorized losses if confirmed fraudulent.","date_sent_to_company":"2026-03-31T16:03:13.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"34638","tags":"Servicemember","has_narrative":true,"complaint_id":"20809802","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2026-03-31T15:38:09.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["My <em>concern</em> is that a critical <em>security</em> credential tied to account access was changed by an unauthorized party, and unauthorized ACH activity was <em>allowed</em> afterward, despite being inconsistent with my account activity and authorization."]},"sort":[15.743235,"20809802"]},{"_index":"complaint-public-v1","_id":"10725028","_score":15.67102,"_source":{"product":"Checking or savings account","complaint_what_happened":"My debit card transactions are consistently denied for security reasons, despite repeated verifications through phone calls and chats confirming that these transactions are neither fraudulent nor a security concern. For nearly two years, I have used my debit card weekly to transfer funds to XXXX XXXX without any issues. However, starting approximately two weeks ago, these transactions have been blocked without explanation. \n\nWhen I contacted support, I was informed that these denials are due to a security flag. Yet, no one at the bank can provide a specific reason for this change or offer any resolution. Support acknowledges that this was previously allowed but can not determine the cause of the recent blocks or take steps to correct it. \n\nI request a thorough investigation into the root cause of this issue, along with an immediate fix to allow me to use my debit card as I have in the past. My goal is to restore uninterrupted access to my funds and to continue using my account and card reliably.","date_sent_to_company":"2024-11-07T23:06:40.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"335XX","tags":null,"has_narrative":true,"complaint_id":"10725028","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2024-11-07T22:58:09.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["My debit card transactions are consistently denied for <em>security</em> reasons, despite repeated verifications through phone calls and chats confirming that these transactions are neither fraudulent nor a <em>security</em> <em>concern</em>. For nearly two years, I have used my debit card weekly to <em>transfer</em> funds to XXXX XXXX without any issues. However, starting approximately two weeks ago, these transactions have been blocked without explanation."]},"sort":[15.67102,"10725028"]},{"_index":"complaint-public-v1","_id":"5864269","_score":15.660681,"_source":{"product":"Checking or savings account","complaint_what_happened":"USAA allowed {$8000.00} to be fraudulently transferred from my savings account despite being warned fraudulent activities were being executed. I disputed the transactions and USAA returned part of the funds but not all. I am still missing {$1400.00} and once again no one has notified me that my accounts were compromised and offered any resolution or concern to the fraudulent activity. Its like they dont care or are not concerned about my account security.","date_sent_to_company":"2022-08-10T21:33:57.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"5864269","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2022-08-10T21:23:41.000Z","state":null,"company_public_response":"Company believes complaint represents an opportunity for improvement to better serve consumers","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["USAA <em>allowed</em> {$8000.00} to be fraudulently <em>transferred</em> from my savings account despite being warned fraudulent activities were being executed. I disputed the transactions and USAA returned part of the funds but not all. I am still missing {$1400.00} and once again no one has notified me that my accounts were compromised and offered any resolution or <em>concern</em> to the fraudulent activity. Its like they dont care or are not concerned about my account <em>security</em>."]},"sort":[15.660681,"5864269"]},{"_index":"complaint-public-v1","_id":"11546632","_score":15.073157,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant security, money transfer, and fund tracking issues with the platform. Despite using Zelle numerous times and reporting discrepancies of my money being continuously lost by the platform, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety, especially as someone who uses the app frequently.","date_sent_to_company":"2025-01-22T19:02:17.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"30066","tags":null,"has_narrative":true,"complaint_id":"11546632","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-01-15T11:41:53.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am writing to formally express my <em>concerns</em> regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant <em>security</em>, money <em>transfer</em>, and fund tracking issues with the platform. Despite using Zelle numerous times and reporting discrepancies of my money being continuously lost by the platform, my financial institution and Zelle failed to investigate my claims adequately."],"product":["Money <em>transfer</em>, virtual currency, or money service"],"sub_product":["Domestic (US) money <em>transfer</em>"]},"sort":[15.073157,"11546632"]},{"_index":"complaint-public-v1","_id":"11577797","_score":15.065556,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I would like to express my concerns regarding Zelle 's handling of disputes, especially since the recent CFPB lawsuit that has highlighted some of the security issues with the Zelle platform. I've on numerous occasions had dispute issues and had no response or investigation regarding said issues from my financial institution or Zelle as my claims went unheard or dealt with. They told me that recovering my funds was impossible and trying to trace the transaction was also a no can do. The CFPB indicate that Zelle not only failed on protection of consumers rights, but has also allowed scammers to exploit the system with those loopholes. There was no confirmation requirement prior to recent times, making transfers absolute and without proper security protocols that should have been established from day one.","date_sent_to_company":"2025-01-16T21:10:44.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"60609","tags":null,"has_narrative":true,"complaint_id":"11577797","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-01-16T20:43:26.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The CFPB indicate that Zelle not only failed on protection of consumers rights, but has also <em>allowed</em> scammers to exploit the system with those loopholes. There was no confirmation requirement prior to recent times, making <em>transfers</em> absolute and without proper <em>security</em> protocols that should have been established from day one."],"product":["Money <em>transfer</em>, virtual currency, or money service"],"sub_product":["Domestic (US) money <em>transfer</em>"]},"sort":[15.065556,"11577797"]},{"_index":"complaint-public-v1","_id":"21090119","_score":14.827672,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I filed a complaint with the SEC, they suggested filing a complaint with you. I have been with Coinbase.com a crypto trading platform for many years. I have held many of my crypto investments at Coinbase for over 5 years. The other day I started to transfer my XXXX to XXXX  since XXXX is now legally allowed to service XXXX  customer and XXXX offers much better Earn rates than Coinbase. I have also been with XXXX for many years, even when they were not allowing XXXX citizens to use their platform any longer, I still maintained an account with XXXX waiting for them to open back up to XXXX customers. Once I transferred an initial test amount of XXXX out of Coinbase to XXXX, Coinbase put a limit on my account for daily transferring out of Coinbase claiming to be for safety reasons. Also, when I first transferred XXXX from Coinbase to XXXX, Coinbase during the transfer warned me that the address that I am sending too is most likely fraud even though it was to a reputable company ( XXXX  ) who I have been with for years. The next day when I tried to transfer a small amount of XXXX out of Coinbase staying within their daily limit imposed on me by Coinbase, Coinbase had me do a Full Video Validation to prove I am me. The happened many times while trying to transfer my crypto out of Coinbase, each time I passed the verification process but after the crypto was sent Coinbase then blocked it and redeposited it back into my account saying it was for my security. I called twice that day talking to agents of Coinbase explaining what was going on. Each time they said they would make notes and request an expedited review. I got a few email over a couple days from Coinbase showing after my reviews that all my requests were rejected and my account is frozen until XX/XX/XXXX a month from when I tried to transfer my crypto. I already know they will continue to block my transfer because they do not want me to transfer my assets to another company. Coinbase has used false fear tactics and false security concerns to block any further transfer of my assets to XXXX. They sent me a form to fill out so I could explain why I want to transfer my crypto. I full explained where and why the crypto was being transferred. Yesterday I got another notice that they decided not to let me transfer any crypto out of my account and continue to have my account frozen, but this time they did not mention XX/XX/XXXX making it appear that they put a permanent freeze on my account for no reason mentioned other than my safety. At this point it appears that I will never get my assets transferred out of Coinbase. They are using lies and false security concerns to freeze my account even though I have passed all their XXXX Validation requirements and I am transferring to another reputable company to a valid long term account in my name. There is no doubt that Coinbase is loosing a lot of customers due to XXXX since XXXX recently opened back up crypto trading for XXXX citizens offering much better Earn rates than Coinbase. This is clearly a desperate move by Coinbase to keep clients. There are no security threats since I have been video verified and transferring from a long term company to another long term company both under my name and nobody else has access to my accounts or personal information which Coinbase is aware of. I know this can not be legal and all I want to do is transfer my crypto to my long term existing account at XXXX. For every day that I can not transfer my crypto to XXXX I loose another day of earning which will shortly be a substantial amount. I feel this is an urgent matter. Thanks for your concern. I have uploaded XXXX documents which is email communication between Coinbase an myself.","date_sent_to_company":"2026-04-09T14:36:06.000Z","issue":"Other transaction problem","sub_product":"Virtual currency","zip_code":"863XX","tags":"Older American","has_narrative":true,"complaint_id":"21090119","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2026-04-09T14:06:30.000Z","state":"AZ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["At this point it appears that I will never get my assets <em>transferred</em> out of Coinbase. They are using lies and false <em>security</em> <em>concerns</em> to freeze my account even though I have passed all their XXXX Validation requirements and I am <em>transferring</em> to another reputable company to a valid long term account in my name."],"product":["Money <em>transfer</em>, virtual currency, or money service"]},"sort":[14.827672,"21090119"]},{"_index":"complaint-public-v1","_id":"17246260","_score":14.772486,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing this second complaint because PayPals response to my first CFPB complaint XXXX was incomplete, misleading, and did not address key issues. Their explanation contradicts what actually happened with my account. \n\nPayPal stated that my attempts to withdraw the XXXX XXXX were blocked due to security concerns such as unusual locations and unusually large transactions. None of this is accurate. I did not log in from unexpected locations, and the amount I attempted to transfer was extremely small and consistent with the size of the XXXX distribution. This explanation does not match reality. \n\nAdditionally, PayPals response claimed that the funds were restricted by design and that their internal security blocks can not be disabled. However, the system allowed XXXX transfer to go through before blocking me again. This directly contradicts their statement that the security restrictions are permanent and can not be bypassed. It proves their security explanation is arbitrary or incorrect. \n\nTheir response also failed to acknowledge that this XXXX was not purchased through PayPal, but was sent to me as part of a legal bankruptcy settlement. PayPal is restricting access to property I legally own, and their explanation does not address why they are blocking withdrawals of settlement assets that I did not buy through them. \n\nThe companys response introduced new inconsistencies and failed to provide a path to resolve the issue. This second complaint is to address the misleading or incorrect information provided by PayPal and to request proper oversight of their internal practices.","date_sent_to_company":"2025-11-15T00:05:23.000Z","issue":"Trouble accessing funds in your mobile or digital wallet","sub_product":"Mobile or digital wallet","zip_code":"49686","tags":null,"has_narrative":true,"complaint_id":"17246260","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-11-14T23:51:15.000Z","state":"MI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Additionally, PayPals response claimed that the funds were restricted by design and that their internal <em>security</em> blocks can not be disabled. However, the system <em>allowed</em> XXXX <em>transfer</em> to go through before blocking me again. This directly contradicts their statement that the <em>security</em> restrictions are permanent and can not be bypassed. It proves their <em>security</em> explanation is arbitrary or incorrect."],"product":["Money <em>transfer</em>, virtual currency, or money service"]},"sort":[14.772486,"17246260"]},{"_index":"complaint-public-v1","_id":"17869064","_score":14.411736,"_source":{"product":"Credit card","complaint_what_happened":"b'On XXXX around XXXX XXXX I attempted to call customer service. I had issue even locating the phone number on their website and when I called the XXXX XXXX number it asked for my social security number which I entered. It then transferred me to a customer service rep named XXXX from the XXXX. I asked for an English speaking person and she refused to transfer me. I have privacy concerns with sharing my data with other countries and I have been unable to request a new card, to close this account to access this account online or to do any business yet US Bank is still sending me emails even though I do not have any way to access my checking savings or credit card accounts. I have attempted to change my information and they refuse to allow me to speak to somebody.'","date_sent_to_company":"2025-11-25T16:04:39.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"242XX","tags":null,"has_narrative":true,"complaint_id":"17869064","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2025-11-25T15:56:12.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with customer service"},"highlight":{"complaint_what_happened":["I had issue even locating the phone number on their website and when I called the XXXX XXXX number it asked for my social <em>security</em> number which I entered. It then <em>transferred</em> me to a customer service rep named XXXX from the XXXX. I asked for an English speaking person and she refused to <em>transfer</em> me."]},"sort":[14.411736,"17869064"]},{"_index":"complaint-public-v1","_id":"4499776","_score":14.245823,"_source":{"product":"Checking or savings account","complaint_what_happened":"B B & T of North Carolina allowed someone to open a Checking account in my name and social security fraudulently. When I started receiving overdraft notices in the mail, I could not reach anyone by phone at the local branch ( XXXX, NC ) or at the branch listed on the statements XXXX XXXX, NC XXXX for several days. When I finally got through to a person, they transferred me to someone with voicemail who did not call me back. I called the Corporate office in XXXX which transferred me to the local XXXX branch and the guy who answered the phone challenged my spouse as if security was of the utmost concern to them, although she clearly stated the issue, gave them her social, and mine also. When she called me to the phone, he began to question me and lecture my spouse as if 'she ' were the person who was in the wrong. After much persistence, I learned that they had allowed someone to open an account ONLINE with MY social security number and this person on the phone was attempting to tell my spouse that 'she ' could not speak to them about it if I was not present WHEN I was telling him to do so. He ignored my requests, ignored my instructions, and continued to act as if it were my spouse in the wrong. He stated they would 'mail ' a form ( as if it were of no consequence that fraud had been committed ) and THEN had the gall to hang up on us. We have no idea if the issue is being addressed and this bank has acted in a completely negligent fashion, not to mention treating concerned, and justifiably so, persons contemptuously. They need to be caused to answer as to how this has happened and we expect an appology and FULL disclosure of information as well as how they intend to remedy any damage caused by their lack of security.","date_sent_to_company":"2021-06-28T20:16:16.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"28379","tags":"Older American","has_narrative":true,"complaint_id":"4499776","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2021-06-28T18:19:05.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account opened as a result of fraud"},"highlight":{"complaint_what_happened":["I called the Corporate office in XXXX which <em>transferred</em> me to the local XXXX branch and the guy who answered the phone challenged my spouse as if <em>security</em> was of the utmost <em>concern</em> to them, although she clearly stated the issue, gave them her social, and mine also. When she called me to the phone, he began to question me and lecture my spouse as if 'she ' were the person who was in the wrong."]},"sort":[14.245823,"4499776"]},{"_index":"complaint-public-v1","_id":"8296631","_score":14.124149,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear TransferWise Support Team, I hope this message finds you well. I am writing to you with utmost sincerity and a strong desire to resolve any concerns that may have led to the closure of my TransferWise account. \n\nI recently received notification that my account has been closed, and I understand the importance of complying with TransferWise policies. I deeply value the services provided by TransferWise and wish to rectify any issues that may have contributed to this decision. \n\nI work as a XXXX providing services to multiple clients, and my TransferWise account plays a crucial role in managing my financial transactions efficiently. Being a XXXX, timely and reliable access to my funds is vital for both personal and professional reasons. \n\nI kindly request you reconsider the closure of my account, and I am committed to addressing any concerns or rectifying any issues that may have led to this decision. I understand the importance of security and compliance, and I assure you that I am fully committed to adhering to TransferWise 's policies and guidelines. \n\nIf there are specific reasons for the account closure, I would appreciate detailed information or guidance on how I can rectify the situation. I am more than willing to provide any necessary documentation or information to verify the legitimacy of my activities and transactions.\n\nI sincerely hope for the opportunity to continue using TransferWise for my financial needs and believe that, together, we can find a resolution that ensures compliance with policies while allowing me to benefit from the services your platform provides.\n\nThank you for considering my appeal. I am looking forward to your prompt response and guidance on the steps required to reactivate my account. \n\nBest regards, XXXX XXXX","date_sent_to_company":"2024-02-08T16:23:10.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"8296631","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TransferWise Ltd","date_received":"2024-02-06T18:00:30.000Z","state":null,"company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Dear <em>Transfer</em>Wise Support Team, I hope this message finds you well. I am writing to you with utmost sincerity and a strong desire to resolve any <em>concerns</em> that may have led to the closure of my <em>Transfer</em>Wise account. \n\nI recently received notification that my account has been closed, and I understand the importance of complying with <em>Transfer</em>Wise policies. I deeply value the services provided by <em>Transfer</em>Wise and wish to rectify any issues that may have contributed to this decision."],"company":["<em>Transfer</em>Wise Ltd"]},"sort":[14.124149,"8296631"]},{"_index":"complaint-public-v1","_id":"5694865","_score":14.079336,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Today, I spoke with a Transunion agent as I was trying to get to the FRAUD unit to dispute two inquires that fraudulently appeared on my credit report because a freeze had been lifted. I told the agent of my concern that there was still access to my credit file even with the FREEZE. I asked if there was a system like XXXX, where I could setup a security code to stop anyone from accessing my report. The agent said he didn't do that in his unit, I had to be transferred to the FRAUD unit to dispute the XXXX XXXX XXXX and XXXX XXXX inquires. I asked to be transferred and he said he could not do that. When asked why, he said I didn't have a legitimate reason to be transferred. When I asked for a supervisor, he hung up on me. I am asking Transunion to allow me to use a special code in order to access my report and remove the FREEZE. This way no other fraudulent inquires will appear. I am asking Transunion to remove the fraudulent inquires of XXXX XXXX XXXX XXXX XXXX XXXX.","date_sent_to_company":"2022-06-22T06:44:13.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"91304","tags":null,"has_narrative":true,"complaint_id":"5694865","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-06-22T02:27:53.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I told the agent of my <em>concern</em> that there was still access to my credit file even with the FREEZE. I asked if there was a system like XXXX, where I could setup a <em>security</em> code to stop anyone from accessing my report. The agent said he didn't do that in his unit, I had to be <em>transferred</em> to the FRAUD unit to dispute the XXXX XXXX XXXX and XXXX XXXX inquires. I asked to be <em>transferred</em> and he said he could not do that. When asked why, he said I didn't have a legitimate reason to be <em>transferred</em>."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[14.079336,"5694865"]},{"_index":"complaint-public-v1","_id":"4178634","_score":14.00704,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Visited the AmEx website to get information about prequalification. Prequalified for the XXXX card and two XXXX XXXX. When attempting the application for the XXXX card, there was an indication that info I submitted did not match their records preventing us from effectively applying. I did not feel the first rep fully understood or wasnt properly disclosing why our info was in their system, he passed us to XXXX who took a social security number but never clarified whether old info was in their system or adequately why he needed it. He never performed a proper authentication of our identity to disclose info that may have been in the system. I raised the concern numerous times that we didnt understand whether old info was causing the block ( which would have allowed us to try to take next steps ) or whether someone else was using my info. The original rep claimed he couldnt even see the prequal for XXXX and started pushing a card I was not prequalified for, the gold, which is showing elevated offers online. The problem is that if the XXXX cards, possibly, connected to old corporate accounts, but maybe not, are not the issue, what is but they never helped me understand what I could do to help myself if there is an issue. I was transferred to and spoke with a manager, XXXX, who the previous rep claimed was a middle school friend, who totally blew off my security concerns. Then ; Spoke with XXXX, who provided an XXXX XXXX address for complaints because apparently AmEx does not value prospects only client concerns, even when security related. Chatted with XXXX and he blew me off totally and was flippant in his replies. Im baffled that none took my concerns seriously when I was told that the name and email address in their file did not match my social and Im surprised that this company does not have a method or counseling to deal with security concerns for prospects. I thought their customer service was industry best but 5 people -including 1 supervisor- failed us. I do not want to wait for snail mail for resolution and the company has no expedited solutions for investigating security concerns. I wasted my time and got no information. Not interested in a relationship anymore now that I understand how clients are treated but want answers.","date_sent_to_company":"2021-03-03T09:02:40.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"76051","tags":null,"has_narrative":true,"complaint_id":"4178634","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2021-03-03T03:31:58.000Z","state":"TX","company_public_response":null,"sub_issue":"Delay in processing application"},"highlight":{"complaint_what_happened":["I was <em>transferred</em> to and spoke with a manager, XXXX, who the previous rep claimed was a middle school friend, who totally blew off my <em>security</em> <em>concerns</em>. Then ; Spoke with XXXX, who provided an XXXX XXXX address for complaints because apparently AmEx does not value prospects only client <em>concerns</em>, even when <em>security</em> related. Chatted with XXXX and he blew me off totally and was flippant in his replies."]},"sort":[14.00704,"4178634"]},{"_index":"complaint-public-v1","_id":"11074029","_score":13.929423,"_source":{"product":"Credit card","complaint_what_happened":"Key Issues Identified : XXXX. FAILURE TO HONOR PROMOTIONAL OFFERS a ) XXXX failed to deliver the advertised balance transfer incentive tied to my credit card, as promised. \n\nXXXX BUSINESS SYSTEMS AND SECURITY FAILURES a ) Persistent error messages highlight significant system reliability issues. \nb ) SoFi acknowledged engineering defects but refused to manually process transfers or offer interim solutions to uphold the balance transfer promotion. \nc ) Phone and online chat systems frequently disconnected abruptly and lacked effective escalation paths to managers or specialized teams equipped to address complex issues. \nd ) Allowing a credit card to be activated without the cardholders knowledge or consent demonstrates a serious security flaw. \n\nXXXX. CUSTOMER SERVICE FAILURES a ) Representatives consistently provided conflicting and inaccurate information via email, chat, and phone, further complicating issue resolution. \nb ) Escalation requests submitted through SoFis recommended social channel, XXXX, were ignored. \n\nXXXX. FAILURE TO RESOLVE ISSUES a ) Despite months of escalation requests, no meaningful solutions were offered, error messages persisted, and significant time was wasted. \nb ) SoFi took no action, allowing the promotional balance transfer incentive to expire. \nc ) To date, three separate support tickets have been opened, but there was no adequate follow-up or resolution. \n\nXXXX. MISLEADING AND DECEPTIVE COMMUNICATION a ) Communications falsely claimed that issues were resolved, misrepresented facts, and ignored ongoing concerns. \nb ) SoFi used no-reply email addresses without bounce notifications for replies, effectively blocking direct responses and obstructing resolution. \n\nXXXX. WIPING OF CUSTOMER RECORDS a ) SoFi erased chat histories without prior notice and refused to restore them, hindering documentation and issue tracking. \nb ) Despite acknowledging that chat histories remain accessible internally, the deletions appear intended to complicate matters for customers and minimize SoFi accountability.","date_sent_to_company":"2024-12-09T01:50:05.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"77551","tags":null,"has_narrative":true,"complaint_id":"11074029","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SOFI TECHNOLOGIES, INC.","date_received":"2024-12-09T01:27:30.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["b ) SoFi took no action, <em>allowing</em> the promotional balance <em>transfer</em> incentive to expire. \nc ) To date, three separate support tickets have been opened, but there was no adequate follow-up or resolution. \n\nXXXX. MISLEADING AND DECEPTIVE COMMUNICATION a ) Communications falsely claimed that issues were resolved, misrepresented facts, and ignored ongoing <em>concerns</em>."]},"sort":[13.929423,"11074029"]},{"_index":"complaint-public-v1","_id":"5222654","_score":13.873751,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX I submitted a funds transfer between my linked accounts. I received a notification that the transfer had been initiated. On XX/XX/XXXX I received a notification that the transfer had been cancelled due to security issues and my account was locked. A payment to a vendor was returned on XX/XX/XXXX. The function which allows you to send money to friends hasn't worked in over a month. \n\nI was asked to provide a front and back copy of my ID and a pictures of my holding my ID which I did. Then I was asked to submit this again but this time include a piece of paper with the date written on it holding my ID which I did. Then I was asked to provide a copy of my bank statement and a letter from the bank explaining the reason for the transfer. I provided 2 bank statements with a message that there are transfer transactions on the statements between these linked account and this activity is normal and not fraud or suspicious. At this filing my account is still locked. I sent over 30 messages and made at least 10 phone calls letting them know that the locked account is the only account that I have money and that I am running out of food to eat and have bills that need to be paid. My account continues to be locked for no valid reason under the guise of \" security concerns '' It is now 5 days and counting and I have only rice to eat for 2 days now, which I will finish today. \n\nI believe this is a scam that allows the bank to hold onto funds for a designated period of time to earn interest. I believe an investigation would uncover that this bank routinely locks funds on accounts as there are numerous complaints of them doing this. Normal procedure is for a bank to send a fraud alert where the customer confirms or denies they did the transaction before locking the account. Banks do this for transactions that are outside of the customers normal transaction pattern. In this instance, I am not doing anything any differently and these transaction are a part of my normal activity. Even if an account is locked, it is immediately unlocked once the customer contacts the bank. This is why I believe this is a scam in the same league of that perpetrated by XXXX XXXX with phony accounts.","date_sent_to_company":"2022-02-15T15:28:37.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"89015","tags":"Older American","has_narrative":true,"complaint_id":"5222654","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2022-02-15T14:45:46.000Z","state":"NV","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX I submitted a funds <em>transfer</em> between my linked accounts. I received a notification that the <em>transfer</em> had been initiated. On XX/XX/XXXX I received a notification that the <em>transfer</em> had been cancelled due to <em>security</em> issues and my account was locked. A payment to a vendor was returned on XX/XX/XXXX. The function which <em>allows</em> you to send money to friends hasn't worked in over a month."]},"sort":[13.873751,"5222654"]},{"_index":"complaint-public-v1","_id":"3464263","_score":13.87103,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"After spending hours and hours with Discover Credit Card Services they Advertise Double Match however, does not allow Customer ( s )  to fulfill to its fullest usage by suspending card and abusing their power by stating that there are security concerns. All security questions on XX/XX/XXXX & XX/XX/XXXX have been verified. I also have been transferred from department to department and falsely accused by Supervisor XXXX ( XXXX ) that I was typing information into my phone. XXXX when you become XXXX  years of age you are not the fastest therefore, you appear to not be the brightest either. By XXXX 's actions and some of the other representatives that I have encountered, apparently Discover must very untrustworthy and poor management skills. This credit card has been paid onetime and in full in the past. For me to recommend so many friends and family members, never again. In fact, I will share how Discover is poorly treating me and not allowing me to receive the advertised points to its fullest. I am also requesting the last three months including, the current statement to be mailed at no additional cost since Discover has locked me out of my account. Discover has also been reported to the XXXX XXXX XXXX and has not received a response as of today XX/XX/XXXX.","date_sent_to_company":"2019-12-10T21:22:00.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"78526","tags":"Older American","has_narrative":true,"complaint_id":"3464263","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2019-12-10T21:06:50.000Z","state":"TX","company_public_response":null,"sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["After spending hours and hours with Discover Credit Card Services they Advertise Double Match however, does not <em>allow</em> Customer ( s )  to fulfill to its fullest usage by suspending card and abusing their power by stating that there are <em>security</em> <em>concerns</em>. All <em>security</em> questions on XX/XX/XXXX & XX/XX/XXXX have been verified. I also have been <em>transferred</em> from department to department and falsely accused by Supervisor XXXX ( XXXX ) that I was typing information into my phone."]},"sort":[13.87103,"3464263"]},{"_index":"complaint-public-v1","_id":"15427516","_score":13.855977,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"In XX/XX/year>, my minor son inadvertently linked his mother 's debit card to his Cash App account without any authorization. Cash App 's system allowed this unauthorized linking using only basic card information ( card number, expiration date, CVV ) with absolutely no ownership verification. \nOver eight months, approximately {$7900.00} was withdrawn from the linked account without the cardholder 's knowledge or consent. My son believed he was using his own XXXX debit card, having recently ordered a replacement, and was unaware his mother 's card remained stored in Cash App. \nOn XX/XX/year>, at XXXX XXXX, we contacted Cash App support ( Case # XXXX ). The representative : Made false statements claiming users can only link one debit card and that credentials are verified when adding cards Refused to open a claim, incorrectly stating claims only apply to \" disputed transactions, not cash withdrawals '' Failed to flag suspicious activity when an underage account added a card with a name mismatch Provided no call recording contrary to industry standards Hung up when we raised legitimate security concerns This represents the same systemic security failures for which CFPB fined Block Inc. {$170.00} XXXX in XX/XX/year>, specifically finding that Cash App \" frequently allowed unauthorized access and failed to properly investigate or reimburse affected consumers. '' Cash App 's failure to implement basic ownership verification when linking debit cards directly enabled these unauthorized transfers. Their customer service then compounded the harm through misrepresentations and procedural obstruction. \nWe demand full reimbursement of the {$7900.00} in unauthorized transfers and implementation of proper security safeguards to prevent future unauthorized card linking.","date_sent_to_company":"2025-08-22T01:53:28.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"90065","tags":null,"has_narrative":true,"complaint_id":"15427516","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-08-22T01:30:30.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["We demand full reimbursement of the {$7900.00} in unauthorized <em>transfers</em> and implementation of proper <em>security</em> safeguards to prevent future unauthorized card linking."],"product":["Money <em>transfer</em>, virtual currency, or money service"]},"sort":[13.855977,"15427516"]},{"_index":"complaint-public-v1","_id":"3464265","_score":13.847875,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"After spending hours and hours with Discover Credit Card Services they Advertise Double Match however, does not allow Customer ( s ) to fulfill to its fullest usage by suspending card and abusing their power by stating that there are security concerns. All security  questions on XX/XX/XXXX & XX/XX/XXXX have been verified. I also have been transferred from department to department and falsely accused by Supervisor XXXX ( XXXX ) that I was typing information into my phone. XXXX when you become XXXX  years of age you are not the fastest therefore, you appear to not be the brightest either. By XXXX 's actions and some of the other representatives that I have encountered, apparently Discover must very untrustworthy and poor management skills. This credit card has been paid onetime and in full in the past. For me to recommend so many friends and family members, never again. In fact, I will share how Discover is poorly treating me and not allowing me to receive the advertised points to its fullest. I am also requesting the last three months including, the current statement to be mailed at no additional cost since Discover has locked me out of my account. Discover has also been reported to the XXXX XXXX XXXX and has not received a response as of today XX/XX/XXXX.","date_sent_to_company":"2019-12-10T21:31:14.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"78526","tags":"Older American","has_narrative":true,"complaint_id":"3464265","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2019-12-10T21:26:09.000Z","state":"TX","company_public_response":null,"sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["After spending hours and hours with Discover Credit Card Services they Advertise Double Match however, does not <em>allow</em> Customer ( s ) to fulfill to its fullest usage by suspending card and abusing their power by stating that there are <em>security</em> <em>concerns</em>. All <em>security</em>  questions on XX/XX/XXXX & XX/XX/XXXX have been verified. I also have been <em>transferred</em> from department to department and falsely accused by Supervisor XXXX ( XXXX ) that I was typing information into my phone."]},"sort":[13.847875,"3464265"]},{"_index":"complaint-public-v1","_id":"10669762","_score":13.793209,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Ally Bank will not allow me to add to my XXXX balance from my Ally Bank ATM card via the XXXX \" add to XXXX from bank card '' function. Ally Bank XXXX XXXX stated that my attempted transfers were being declined by Ally Bank as suspicious in nature. Furthermore, there was no escalation contact to report this to within Ally Bank. My Ally Bank ATM Bank card contract states a daily limit of {$3000.00} USD or {$5000.00} USD for cash withdrawals or cash advances. I was only allowed to successfully transfer {$100.00} USD in multiple transfer attempts which I initiated as well as several attempts that Ally Bank Customer Service had me perform while I was on the phone seeking their support in these troubled and failed transfer transactions. Their responses were stated pragmaticaly as Bank policy they were unable or unwilling to change despite my Ally Bank ATM Bank card contract and the fact that I had much more money available to me in my Ally Bank Checking AND Savings accounts then I was trying to Transfer to my XXXX balance. I also explained to XXXX Ally Bank XXXX that I could not use the XXXX \" add to XXXX balance from bank acount '' function as it would take too many business days beyond the date my XXXX payment was due to my payment. This matter concerns a breach of contract in which Ally Bank is advising me that I do not actually have the contractually stated access to my monies due to their bank transfers security settings. I am under the understanding that XXXX is meant to perform such transfer integrity checks. This matter flies in the face of my Ally Bank ATM Bank card contract and customer satisfaction. I am requesting your authoritative assistance in resolving this matter.","date_sent_to_company":"2024-11-03T20:38:19.000Z","issue":"Trouble accessing funds in your mobile or digital wallet","sub_product":"Mobile or digital wallet","zip_code":"94089","tags":"Servicemember","has_narrative":true,"complaint_id":"10669762","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2024-11-03T20:09:35.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["This matter <em>concerns</em> a breach of contract in which Ally Bank is advising me that I do not actually have the contractually stated access to my monies due to their bank <em>transfers</em> <em>security</em> settings. I am under the understanding that XXXX is meant to perform such <em>transfer</em> integrity checks. This matter flies in the face of my Ally Bank ATM Bank card contract and customer satisfaction. I am requesting your authoritative assistance in resolving this matter."],"product":["Money <em>transfer</em>, virtual currency, or money service"]},"sort":[13.793209,"10669762"]},{"_index":"complaint-public-v1","_id":"8463474","_score":13.773185,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I think the take away from this is Chase bank stopped the wire transfer on the first attempt with concerns of security fraud. When I wanted to know the concerns I was given a peace of paper with genetic information about crypto currency fraud Chase should not have allowed the transfer with the information they had about this company and the security certificates they had in their possession at the time of the {$30000.00} dollar transfer. \nHad a woman contact me on XX/XX/XXXX at XXXX XXXX  through XXXX  stating she was a friend of a friend name was XXXX XXXX XXXX immediately noticed that her name on the book she was holding in her photo was different XXXX. XXXX, XXXX stated she was in America to help her daughters in XXXX XXXX XXXX, XXXX XXXX area open up a second store that they also have in XXXX. We talked for several months prior to her, introducing me to crypto currency, and directed me to use XXXX as the exchange it started out slow as you may guess my suspicions are really high, and there are no problems at all. We made a couple of pretty decent returns and more money invested more money invested I was dragging my feet. Thats why the transaction dates are spread apart, but it continue to make returns and show the returns in the my account but when I went to the returns out I was unable to remove any money from XXXX XXXX. This person ( XXXX ) talked me into a loan from XXXX, in the amount of $ XXXX which I sent to chase bank and put in saving account Later creating a wire transfer Ive had all the transcripts from day one where we started chatting on XXXX to. Switch to XXXX on XX/XX/XXXX to when she quit talking to me on XX/XX/XXXX asked if I was willing to put more money into the program and I said no and her response was OK I get it. Im ready to go have dinner now and havent spoken with her since when I tried to remove money from XXXX theres always an excuse on why it cant be moved from the equipment is down for maintenance to now the excuse is I havent paid any income tax on it so I cant move it and when I asked where the taxes be paid because there is nowhere on the site for taxes to be paid, I havent gotten no response other than someone saying ask a legitimate question? so my balance on XXXX showing {$100000.00} and of course Ive got copies of that as well Cell So I guess the way that the scam must work is you can get your money in there and it shows that youre making money but youre never allowed to pull it back out Wire transfer for {$30000.00} was made on XXXX XXXX through Chase bank XXXX AZ","date_sent_to_company":"2024-03-02T18:52:32.000Z","issue":"Fraud or scam","sub_product":"International money transfer","zip_code":"32225","tags":null,"has_narrative":true,"complaint_id":"8463474","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-03-02T18:10:15.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I think the take away from this is Chase bank stopped the wire <em>transfer</em> on the first attempt with <em>concerns</em> of <em>security</em> fraud. When I wanted to know the <em>concerns</em> I was given a peace of paper with genetic information about crypto currency fraud Chase should not have <em>allowed</em> the <em>transfer</em> with the information they had about this company and the <em>security</em> certificates they had in their possession at the time of the {$30000.00} dollar <em>transfer</em>."],"product":["Money <em>transfer</em>, virtual currency, or money service"],"sub_product":["International money <em>transfer</em>"]},"sort":[13.773185,"8463474"]},{"_index":"complaint-public-v1","_id":"18513613","_score":13.735889,"_source":{"product":"Checking or savings account","complaint_what_happened":"Summary of the Issue Wells Fargo restricted my access to my personal account due to an investigation, but they have not provided any clear or consistent written explanation. Their XX/XX/XXXX notice claimed the account was closed, frozen, and that no incoming activity would be allowed, yet the bank continued accepting deposits including wire transfers and my Social Security benefits. They also issued new debit cards and allowed them to be added to XXXX XXXX, contradicting their own written notice. I have been unable to access my own funds, including federally protected Social Security benefits, causing significant financial hardship. \n\nAdditionally, this is not the first time Wells Fargo has interfered with my lawful access to funds. A prior incident involving a wrongfuldeath settlement shows a pattern of the same teller making inappropriate accusations and blocking legitimate transactions. \n\nDetailed Timeline of Events Prior Incident Showing Pattern of Mishandling Before the current situation, I received a wrongfuldeath settlement related to my mother. When I attempted to transfer part of those funds to my spouse, the same Wells Fargo teller who is involved in my current account issues made inappropriate comments implying I was laundering money. The teller blocked the transfer and forced me to withdraw the funds in cash and send them manually. This was a lawful transfer, and there was no freeze or fraud alert on my account at that time. This shows a pattern of the same employee interfering with my access to my own funds and making unfounded accusations. \n\nXX/XX/XXXX Wire Transfer Posted A domestic wire transfer of {$8400.00} was deposited into my Wells Fargo account. \n\nThe funds posted normally with no issues or disputes reported by the sender. \n\nNo freeze, alert, or investigation was mentioned at this time. \n\nXX/XX/XXXX Social Security Deposit Posted My Social Security benefits of {$920.00} were deposited. \n\nThese funds are federally protected. \n\nThe account remained fully active. \n\nXXXX XX/XX/XXXX Repeated Declines on All Purchases After the wire posted, every attempt to use taptopay was declined, including very small purchases. \n\nThis was not normal fraudprevention behavior. \n\nI had had to call Wells Fargo each time ; they apologized, confirmed my identity, and temporarily fixed the issue. \n\nThe declines continued repeatedly, causing embarrassment and making it extremely difficult to access my own cleared funds. \n\nXXXX XXXX New Debit Card Issued Wells Fargo mailed me a new debit card shortly after the repeated declines. \n\nThe new card allowed me to make purchases and access my funds normally. \n\nThis contradicts any claim that the account was closed or under a legitimate freeze at that time. \n\nXXXX XXXX XXXX XXXX of {$8000.00} Approximately two weeks after the wire posted, I went to a Wells Fargo branch to withdraw {$8000.00}. \n\nWells Fargo refused the withdrawal and informed me that my funds were frozen due to an investigation. \n\nNo written explanation was provided. \n\nThis freeze occurred after both deposits had already cleared and after normal transactions had been allowed. \n\nXX/XX/XXXX Contradictory Written Notice Issued Wells Fargo sent a written notice stating : the account is closed, a cashiers check will be issued if there is a positive balance, the account is frozen pending contact with the sender, no incoming activity will be allowed. \n\nContradictions : After this notice, Wells Fargo continued accepting deposits, including Social Security. \n\nNo cashiers check was issued. \n\nThe account was not closed. \n\nThe freeze was not consistently applied. \n\nXX/XX/XXXX New Debit Card Issued Again Wells Fargo issued me another new debit card. \n\nThe card was successfully added to XXXX XXXX, which would not occur if the account were closed or fully frozen. \n\nThis contradicts the XX/XX/XXXX notice. \n\nXX/XX/XXXX Social Security XXXX XXXX XXXX XXXX Notice XXXX Social Security benefits for XXXX were deposited on XX/XX/XXXX, after Wells Fargo claimed no incoming activity would be allowed. \n\nThis contradicts the written notice and shows the account was not actually frozen as described. \n\nWells Fargo continued accepting deposits while restricting only my access to the funds. \n\nLate XX/XX/XXXX Disappearing Account Information While logged into my account, I observed transaction information disappearing or changing. \n\nNo explanation was provided. \n\nThis raises concerns about proper recordkeeping. \n\nFinancial Harm Because Wells Fargo restricted my access to my funds after they were already deposited and after normal activity had occurred, I was unable to : Pay for my housing Pay essential bills Meet prior financial commitments Cover holiday expenses, which were completely ruined This caused significant financial hardship and distress. \n\nSupporting Documents XXXX XX/XX/XXXX Wells Fargo Notice ( contradictory statements ). \n\nProof of incoming deposits after the freeze notice ( wire transfers, Social Security ). \n\nScreenshots of repeated taptopay declines. \n\nEvidence of new debit cards issued ( XX/XX/XXXX and earlier ). \n\nXXXX XXXX activation screenshot. \n\nScreenshots of disappearing or altered account information. \n\nNotes or screenshots of verbal explanations from Wells Fargo. \n\nThis timeline.","date_sent_to_company":"2026-01-06T22:20:50.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"975XX","tags":"Older American","has_narrative":true,"complaint_id":"18513613","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-01-06T21:22:57.000Z","state":"OR","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":["Their XX/XX/XXXX notice claimed the account was closed, frozen, and that no incoming activity would be <em>allowed</em>, yet the bank continued accepting deposits including wire <em>transfers</em> and my Social <em>Security</em> benefits. They also issued new debit cards and <em>allowed</em> them to be added to XXXX XXXX, contradicting their own written notice. I have been unable to access my own funds, including federally protected Social <em>Security</em> benefits, causing significant financial hardship."]},"sort":[13.735889,"18513613"]},{"_index":"complaint-public-v1","_id":"2930642","_score":13.698454,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I called Transunion Credit Report Agency to notifiy that someone used my information and pulled a hard copy of my credit in two ocassions. My concern was aggravated when I noticed and confirmed that my call was being taken overseas. The Customer Service rep couldn't understand my request and the severity of my case. I asked for a supervisor or to be transferred to a US office and I was told \" Transunion in United States was closed at this time. '' I gave my name, SS, DOB and address multiple times to people across the globe. \n\nNo wonder the whole country 's identity is being stolen. \n\nHow is Transunion allowed to handle personal informaton across the world? I need someone from the US Goverment to look into the security and handling of private information and the ability to STOP and solve this credit matters.","date_sent_to_company":"2018-06-08T18:27:48.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33414","tags":null,"has_narrative":true,"complaint_id":"2930642","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-06-08T18:08:57.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["How is Transunion <em>allowed</em> to handle personal informaton across the world? I need someone from the US Goverment to look into the <em>security</em> and handling of private information and the ability to STOP and solve this credit matters."]},"sort":[13.698454,"2930642"]},{"_index":"complaint-public-v1","_id":"10041553","_score":13.694592,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"To Whom It May Concern, I am writing to file a complaint against Western Union regarding undisclosed limitations on the number of money transfers allowed within a specified period when sending funds to certain countries. During a recent transaction attempt, I was informed by a Western Union customer service representative that I had reached the limit of transfers within a certain time frame, specifically when sending funds to countries like the XXXX and XXXX. \n\nBefore contacting customer service, I encountered an error code : XXXX ( XXXX ) [ XXXX ]. This code appears to be linked to internal security or compliance checks that are not disclosed to customers. The representative confirmed that while transfer limits on amounts are visible, there is no mention of the number of transfers that can be made, leaving consumers uninformed about these critical restrictions. This lack of transparency significantly impacts consumers who rely on Western Union for their financial needs, as they are unable to anticipate or understand these limitations until after encountering an error.\n\nI believe this practice is deceptive and violates principles of fair and transparent consumer service. I am requesting that Western Union be required to either remove these undisclosed limitations or clearly communicate them to customers through their terms of service and other accessible channels. \n\nI appreciate your attention to this matter and look forward to your response on how this issue will be addressed to ensure that financial service providers maintain transparency and fairness in their operations.","date_sent_to_company":"2024-09-06T17:20:13.000Z","issue":"Confusing or missing disclosures","sub_product":"International money transfer","zip_code":"377XX","tags":null,"has_narrative":true,"complaint_id":"10041553","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WESTERN UNION COMPANY, THE","date_received":"2024-09-06T17:07:16.000Z","state":"TN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["To Whom It May <em>Concern</em>, I am writing to file a complaint against Western Union regarding undisclosed limitations on the number of money <em>transfers</em> <em>allowed</em> within a specified period when sending funds to certain countries. During a recent transaction attempt, I was informed by a Western Union customer service representative that I had reached the limit of <em>transfers</em> within a certain time frame, specifically when sending funds to countries like the XXXX and XXXX."],"product":["Money <em>transfer</em>, virtual currency, or money service"],"sub_product":["International money <em>transfer</em>"]},"sort":[13.694592,"10041553"]},{"_index":"complaint-public-v1","_id":"8684043","_score":13.631125,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Request for Assistance Regarding Denied Claim by Citibank for Fraudulent Transactions Dear CFPB, I hope this letter finds you well. I am writing to express my grave concern and to seek your assistance regarding an issue I've encountered with Citibank, concerning the denial of a claim related to fraudulent activities on my account. \n\nOn XX/XX/XXXX, my Citibank account was compromised, resulting in XXXX unauthorized wire transfers made to a fraudulent party. These transactions amounted to {$1600.00} and {$800.00}, in addition to {$50.00} in bank charges for the wire transfers. Upon noticing these fraudulent transactions, I immediately contacted Citibank to report the issue, requesting that my account be locked to prevent further unauthorized activity and that the fraudulent wire transfers be reversed. \n\nDespite my prompt response to the situation, I was disappointed to receive a denial letter from Citibank on XX/XX/XXXX. In their correspondence, Citibank attributed the denial of my claim to my alleged failure to take adequate steps to protect my account. However, this reasoning overlooks the fact that the security breach was a result of vulnerabilities within Citibank 's own system, which allowed the hacker to access my funds. \n\nFurther exacerbating my concerns, upon visiting the Citibank branch in XXXX, CA, where I initially opened my account, I discovered that several other customers had experienced similar security breaches. This pattern suggests a systemic issue with Citibank 's security measures, rather than individual negligence on the part of affected customers. \n\nDespite my efforts to collaborate with Citibank to resolve this matter, I have faced considerable resistance. Citibank has refused to reimburse the stolen funds, citing that the culprit had already withdrawn the money from their system. Additionally, my requests for access to their investigation report have been met with refusal, leaving me without insight into the steps, if any, Citibank has taken to address the vulnerability that led to this breach. \n\nGiven these circumstances, I am reaching out to your organization for assistance in investigating Citibank 's handling of my case and those of other consumers who have fallen victim to similar security breaches. The savings that were stolen constituted funds I had set aside for my livelihood, and I believed them to be secure under Citibank 's protection. \n\nI am placing my trust in your ability to help rectify this situation and to ensure that adequate measures are taken to prevent similar occurrences in the future. \n\nThank you for your time and consideration. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-04-03T19:04:26.000Z","issue":"Closing an account","sub_product":"Savings account","zip_code":"949XX","tags":null,"has_narrative":true,"complaint_id":"8684043","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-04-03T18:37:55.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["However, this reasoning overlooks the fact that the <em>security</em> breach was a result of vulnerabilities within Citibank 's own system, which <em>allowed</em> the hacker to access my funds. \n\nFurther exacerbating my <em>concerns</em>, upon visiting the Citibank branch in XXXX, CA, where I initially opened my account, I discovered that several other customers had experienced similar <em>security</em> breaches."]},"sort":[13.631125,"8684043"]},{"_index":"complaint-public-v1","_id":"8171824","_score":13.61476,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"To whom it may concern, I am writing to file a complaint against Wells Fargo regarding an unauthorized wire transfer that has resulted in substantial financial loss. I am an XXXX XXXX XXXX  protected under the Servicemembers Civil Relief Act ( SCRA ) and military consumer protection and had taken proper steps within regulation in order to recover the loss. \n\nDetails of the unauthorized transfers are as follows : Background : The victim encountered a scammer on XXXX XXXX on XX/XX/XXXX, who later moved the communication to XXXX. Over the course of a month, the victim was enticed into investing in virtual crypto mining with promises of high returns. As the victim grew suspicious and determined that this was a scam, any further authorization for the transaction was suspended promptly to prevent further information loss. It is believed that the scammers may have worked in teams, employing hacking and other tools to access the victim 's banking and personal information, including the location. The victim had asked the only family member who had authorization for the victim 's account regarding making any further transactions, and the family member did not initiate any. \n\nBank 's Involvement : Despite the victim 's suspension of actions and contacting the Wells Fargo Fraud Center, the bank did not appear to be aware of the breach and allowed unauthorized electronic transfers to take place. Wells Fargo seemingly failed to detect the breach, even though a checking call was made from the bank to verify the actions, indicating a lapse in security. Wells Fargo claims that the verification is based on the remarks of transactions made for tuition related. The victim, however, is entitled to receive GI bills for education and has no intent nor needs at the moment during the XXXX XXXX  to involve uncertain high return investments, especially during the period when the macroeconomic condition is severely risky. \n\nFinancial Loss : The victim incurred a significant financial loss of approximately {$90000.00} to {$100000.00} from XX/XX/XXXX to the present, with a specific loss of {$75000.00} from Wells Fargo. \nI have already taken appropriate steps by filing a police report and an FBI online fraud complaint. As an XXXX XXXX XXXX XXXX, I am aware that I am entitled to protection under the SCRA and military consumer protection, as well as reported to the cyber safety manager within the organization, and this unauthorized transfer raises concerns about the security measures in place at Wells Fargo. \n\nI kindly request the CFPB to investigate this matter thoroughly and take appropriate actions to address the financial exploitation and breach of security by Wells Fargo. \n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2024-01-17T09:18:03.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"8171824","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-01-17T07:34:20.000Z","state":"AE","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":["As an XXXX XXXX XXXX XXXX, I am aware that I am entitled to protection under the SCRA and military consumer protection, as well as reported to the cyber safety manager within the organization, and this unauthorized <em>transfer</em> raises <em>concerns</em> about the <em>security</em> measures in place at Wells Fargo. \n\nI kindly request the CFPB to investigate this matter thoroughly and take appropriate actions to address the financial exploitation and breach of <em>security</em> by Wells Fargo."],"product":["Money <em>transfer</em>, virtual currency, or money service"],"sub_product":["Domestic (US) money <em>transfer</em>"]},"sort":[13.61476,"8171824"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":785,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":785}]}},"product":{"doc_count":785,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":177,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":138},{"key":"Savings account","doc_count":23},{"key":"Other banking product or service","doc_count":16}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":149,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":147},{"key":"Other personal consumer report","doc_count":2}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":117,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mobile or digital wallet","doc_count":44},{"key":"Domestic (US) money transfer","doc_count":33},{"key":"Virtual currency","doc_count":31},{"key":"International money transfer","doc_count":7},{"key":"Foreign currency exchange","doc_count":1},{"key":"Money order, traveler's check or cashier's check","doc_count":1}]}},{"key":"Debt collection","doc_count":80,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":26},{"key":"Credit card debt","doc_count":19},{"key":"Mortgage debt","doc_count":11},{"key":"Auto debt","doc_count":9},{"key":"Other debt","doc_count":5},{"key":"Medical debt","doc_count":3},{"key":"Payday loan debt","doc_count":2},{"key":"Credit card","doc_count":1},{"key":"Federal student loan debt","doc_count":1},{"key":"Payday loan","doc_count":1},{"key":"Rental debt","doc_count":1},{"key":"Telecommunications debt","doc_count":1}]}},{"key":"Credit card","doc_count":59,"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":52},{"key":"Store credit card","doc_count":2}]}},{"key":"Mortgage","doc_count":55,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":32},{"key":"FHA mortgage","doc_count":9},{"key":"VA mortgage","doc_count":8},{"key":"Other mortgage","doc_count":2},{"key":"Conventional adjustable mortgage (ARM)","doc_count":1},{"key":"Home equity loan or line of credit","doc_count":1},{"key":"Manufactured home loan","doc_count":1},{"key":"Other type of mortgage","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":50,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":48},{"key":"Other personal consumer report","doc_count":2}]}},{"key":"Credit card or prepaid card","doc_count":47,"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":44},{"key":"General-purpose prepaid card","doc_count":3}]}},{"key":"Vehicle loan or lease","doc_count":17,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":15},{"key":"Lease","doc_count":2}]}},{"key":"Student loan","doc_count":10,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Private student loan","doc_count":6},{"key":"Federal student loan servicing","doc_count":3},{"key":"Non-federal student loan","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":4},{"key":"General purpose card","doc_count":1},{"key":"General-purpose prepaid card","doc_count":1},{"key":"Payroll card","doc_count":1}]}},{"key":"Bank account or service","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":4},{"key":"(CD) Certificate of deposit","doc_count":1}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Personal line of credit","doc_count":3},{"key":"Installment loan","doc_count":1},{"key":"Title loan","doc_count":1}]}},{"key":"Debt or credit management","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit repair services","doc_count":1},{"key":"Debt settlement","doc_count":1},{"key":"Student loan debt relief","doc_count":1}]}},{"key":"Money transfers","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Domestic (US) money transfer","doc_count":1},{"key":"International money transfer","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}]}},{"key":"Payday loan, title loan, or personal loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Personal line of credit","doc_count":1}]}}]}},"issue":{"doc_count":785,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Managing an account","doc_count":120,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Deposits and withdrawals","doc_count":44},{"key":"Problem using a debit or ATM card","doc_count":27},{"key":"Funds not handled or disbursed as instructed","doc_count":15},{"key":"Banking errors","doc_count":12},{"key":"Problem accessing account","doc_count":11},{"key":"Problem making or receiving payments","doc_count":8},{"key":"Fee problem","doc_count":2},{"key":"Cashing a check","doc_count":1}]}},{"key":"Improper use of your report","doc_count":72,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":65},{"key":"Credit inquiries on your report that you don't recognize","doc_count":7}]}},{"key":"Incorrect information on your report","doc_count":58,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account status incorrect","doc_count":21},{"key":"Account information incorrect","doc_count":20},{"key":"Information belongs to someone else","doc_count":14},{"key":"Personal information incorrect","doc_count":2},{"key":"Public record information inaccurate","doc_count":1}]}},{"key":"Fraud or scam","doc_count":45,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Attempts to collect debt not owed","doc_count":43,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt was result of identity theft","doc_count":23},{"key":"Debt is not yours","doc_count":16},{"key":"Debt was paid","doc_count":3},{"key":"Debt was already discharged in bankruptcy and is no longer owed","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":42,"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":32},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":5},{"key":"Investigation took more than 30 days","doc_count":5}]}},{"key":"Closing an account","doc_count":32,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":16},{"key":"Funds not received from closed account","doc_count":8},{"key":"Can't close your account","doc_count":6},{"key":"Fees charged for closing account","doc_count":2}]}},{"key":"Other features, terms, or problems","doc_count":28,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":16},{"key":"Privacy issues","doc_count":4},{"key":"Problem with customer service","doc_count":4},{"key":"Problem with balance transfer","doc_count":3},{"key":"Problem with rewards from credit card","doc_count":1}]}},{"key":"Problem with a purchase shown on your statement","doc_count":27,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card was charged for something you did not purchase with the card","doc_count":16},{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":11}]}},{"key":"Other transaction problem","doc_count":26,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Trouble during payment process","doc_count":24,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Escrow, taxes, or insurance","doc_count":3},{"key":"Trying to communicate with the company to fix an issue while managing or servicing your loan","doc_count":3},{"key":"Payment process","doc_count":2},{"key":"Lien release","doc_count":1}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":20,"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":7},{"key":"Investigation took more than 30 days","doc_count":6},{"key":"Problem with personal statement of dispute","doc_count":3},{"key":"Was not notified of investigation status or results","doc_count":3},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":1}]}},{"key":"Struggling to pay mortgage","doc_count":19,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Foreclosure","doc_count":5},{"key":"An existing modification, forbearance plan, short sale, or other loss mitigation relief","doc_count":1},{"key":"Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu","doc_count":1},{"key":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure","doc_count":1}]}},{"key":"Took or threatened to take negative or legal action","doc_count":18,"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":8},{"key":"Collected or attempted to collect exempt funds","doc_count":4},{"key":"Sued you without properly notifying you of lawsuit","doc_count":2},{"key":"Threatened to sue you for very old debt","doc_count":2},{"key":"Threatened or suggested your credit would be damaged","doc_count":1},{"key":"Threatened to arrest you or take you to jail if you do not pay","doc_count":1}]}},{"key":"Problem with a lender or other company charging your account","doc_count":16,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":16}]}},{"key":"Getting a credit card","doc_count":15,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Application denied","doc_count":8},{"key":"Card opened as result of identity theft or fraud","doc_count":2},{"key":"Delay in processing application","doc_count":2},{"key":"Problem getting a working replacement card","doc_count":2},{"key":"Card opened without my consent or knowledge","doc_count":1}]}},{"key":"Unauthorized transactions or other transaction problem","doc_count":12,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem when making payments","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem during payment process","doc_count":7}]}},{"key":"Trouble using your card","doc_count":9,"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":8},{"key":"Credit card company won't increase or decrease your credit limit","doc_count":1}]}},{"key":"False statements or representation","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":8}]}},{"key":"Trouble accessing funds in your mobile or digital wallet","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Written notification about debt","doc_count":8,"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":5},{"key":"Didn't receive notice of right to dispute","doc_count":3}]}},{"key":"Closing your account","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":7}]}},{"key":"Confusing or missing disclosures","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Dealing with your lender or servicer","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trouble with how payments are being handled","doc_count":3},{"key":"Don't agree with the fees charged","doc_count":2},{"key":"Problem with customer service","doc_count":1},{"key":"Received bad information about your loan","doc_count":1}]}},{"key":"Managing, opening, or closing your mobile wallet account","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Opening an account","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Unable to open an account","doc_count":4},{"key":"Account opened as a result of fraud","doc_count":1},{"key":"Account opened without my consent or knowledge","doc_count":1},{"key":"Didn't receive terms that were advertised","doc_count":1}]}},{"key":"Closing on a mortgage","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closing disclosure or other related disclosures","doc_count":1},{"key":"Trying to communicate with the company to fix an issue with the loan closing","doc_count":1}]}},{"key":"Getting a loan or lease","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Fraudulent loan","doc_count":5},{"key":"Confusing or misleading advertising or marketing","doc_count":1}]}},{"key":"Managing the loan or lease","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing problem","doc_count":5},{"key":"Problem with fees charged","doc_count":1}]}},{"key":"Money was not available when promised","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Other service problem","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with a purchase or transfer","doc_count":5,"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":3},{"key":"Charged for a purchase or transfer you did not make with the card","doc_count":2}]}},{"key":"Problem with fraud alerts or security freezes","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Advertising and marketing, including promotional offers","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive advertised or promotional terms","doc_count":3}]}},{"key":"Getting a line of credit","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problems at the end of the loan or lease","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with paying off the loan","doc_count":2},{"key":"Unable to receive car title or other problem after the loan is paid off","doc_count":1}]}},{"key":"Deposits and withdrawals","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Didn't provide services promised","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Loan modification,collection,foreclosure","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem adding money","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem caused by your funds being low","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Overdrafts and overdraft fees","doc_count":2}]}},{"key":"Problem getting a card or closing an account","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trouble closing card","doc_count":1},{"key":"Trouble getting, activating, or registering a card","doc_count":1}]}},{"key":"Taking/threatening an illegal action","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Threatened to sue on too old debt","doc_count":2}]}},{"key":"Unable to get your credit report or credit score","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem getting your report or credit score","doc_count":2}]}},{"key":"Account opening, closing, or management","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Application, originator, mortgage broker","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"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":"Application denials","doc_count":1}]}},{"key":"Billing statement","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Communication tactics","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Frequent or repeated calls","doc_count":1}]}},{"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":"Credit card protection / Debt protection","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Credit monitoring or identity theft protection services","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with product or service terms changing","doc_count":1}]}},{"key":"Customer service / Customer relations","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Dealing with my lender or servicer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trouble with how payments are handled","doc_count":1}]}},{"key":"Fees or interest","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Unexpected increase in interest rate","doc_count":1}]}},{"key":"Getting a loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"High pressure sales tactics or recruiting","doc_count":1}]}},{"key":"Identity theft / Fraud / Embezzlement","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Identity theft protection or other monitoring services","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with product or service terms changing","doc_count":1}]}},{"key":"Making/receiving payments, sending money","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Managing, opening, or closing account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Other transaction issues","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Overdraft, savings, or rewards features","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Privacy","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with a company's investigation into an existing issue","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Was not notified of investigation status or results","doc_count":1}]}},{"key":"Problem with customer service","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Repossession","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Damage caused or loss of personal items in vehicle during the actual repossession","doc_count":1}]}},{"key":"Settlement process and costs","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Struggling to pay your loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan balance remaining after the vehicle is repossessed and sold","doc_count":1}]}},{"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":"Can't get other flexible options for repaying your loan","doc_count":1}]}},{"key":"Trouble using the card","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trouble getting information about the card","doc_count":1}]}},{"key":"Unexpected or other fees","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Using a debit or ATM card","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Vehicle was repossessed or sold the vehicle","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":785,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":777},{"key":"No","doc_count":8}]}},"company_response":{"doc_count":785,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":597},{"key":"Closed with non-monetary relief","doc_count":125},{"key":"Closed with monetary relief","doc_count":62},{"key":"Closed","doc_count":1}]}},"submitted_via":{"doc_count":785,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":785}]}},"company":{"doc_count":785,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Experian Information Solutions Inc.","doc_count":58},{"key":"EQUIFAX, INC.","doc_count":56},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":54},{"key":"JPMORGAN CHASE & CO.","doc_count":45},{"key":"WELLS FARGO & COMPANY","doc_count":36},{"key":"CITIBANK, N.A.","doc_count":33},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":32},{"key":"Block, Inc.","doc_count":26},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":23},{"key":"Paypal Holdings, Inc","doc_count":23},{"key":"AMERICAN EXPRESS COMPANY","doc_count":20},{"key":"UNITED SERVICES AUTOMOBILE ASSOCIATION","doc_count":18},{"key":"Coinbase, Inc.","doc_count":15},{"key":"Chime Financial Inc","doc_count":13},{"key":"DISCOVER BANK","doc_count":13},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":12},{"key":"U.S. BANCORP","doc_count":11},{"key":"TRUIST FINANCIAL CORPORATION","doc_count":9},{"key":"Early Warning Services, LLC","doc_count":8},{"key":"Resurgent Capital Services L.P.","doc_count":8},{"key":"SOFI TECHNOLOGIES, INC.","doc_count":8},{"key":"Mr. Cooper Group Inc.","doc_count":7},{"key":"PNC Bank N.A.","doc_count":7},{"key":"SYNCHRONY FINANCIAL","doc_count":7},{"key":"CITIZENS FINANCIAL GROUP, INC.","doc_count":6},{"key":"GOLDMAN SACHS BANK USA","doc_count":6},{"key":"ENCORE CAPITAL GROUP INC.","doc_count":5},{"key":"FIFTH THIRD FINANCIAL CORPORATION","doc_count":5},{"key":"HSBC NORTH AMERICA HOLDINGS INC.","doc_count":5},{"key":"LEXISNEXIS","doc_count":5},{"key":"Ocwen Financial Corporation","doc_count":5},{"key":"ROBINHOOD MARKETS INC.","doc_count":5},{"key":"Shellpoint Partners, LLC","doc_count":5},{"key":"BMO BANK NATIONAL ASSOCIATION","doc_count":4},{"key":"Bread Financial Holdings, Inc.","doc_count":4},{"key":"Comerica","doc_count":4},{"key":"Payward Ventures Inc. dba Kraken","doc_count":4},{"key":"Security Credit Services, LLC","doc_count":4},{"key":"AES/PHEAA","doc_count":3},{"key":"ALLY FINANCIAL INC.","doc_count":3},{"key":"BARCLAYS BANK DELAWARE","doc_count":3},{"key":"MOHELA","doc_count":3},{"key":"Midwest Recovery Systems","doc_count":3},{"key":"SELECT PORTFOLIO SERVICING, INC.","doc_count":3},{"key":"Specialized Loan Servicing Holdings LLC","doc_count":3},{"key":"TD BANK US HOLDING COMPANY","doc_count":3},{"key":"TransferWise Ltd","doc_count":3},{"key":"Westlake Services, LLC","doc_count":3},{"key":"Advanced Collection Bureau, Inc.","doc_count":2},{"key":"Aldridge Pite, LLP","doc_count":2},{"key":"CCS Financial Services, Inc.","doc_count":2},{"key":"CL Holdings LLC","doc_count":2},{"key":"COMMERCE BANK","doc_count":2},{"key":"Conduent Incorporated","doc_count":2},{"key":"ENOVA INTERNATIONAL, INC.","doc_count":2},{"key":"Exeter Finance, LLC.","doc_count":2},{"key":"FIRST NATIONAL BANK OF OMAHA","doc_count":2},{"key":"Fay Servicing, LLC","doc_count":2},{"key":"FinCo Services Inc DBA Current","doc_count":2},{"key":"Foris DAX, Inc.","doc_count":2},{"key":"HUNTINGTON NATIONAL BANK, THE","doc_count":2},{"key":"MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC","doc_count":2},{"key":"NATIONSTAR MORTGAGE LLC","doc_count":2},{"key":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","doc_count":2},{"key":"National Credit Systems,Inc.","doc_count":2},{"key":"Navient Solutions, LLC.","doc_count":2},{"key":"Netspend Corporation","doc_count":2},{"key":"PENTAGON FEDERAL CREDIT UNION","doc_count":2},{"key":"Portfolio Recovery Associates, LLC","doc_count":2},{"key":"Quality Loan Service Corporation","doc_count":2},{"key":"SANTANDER HOLDINGS USA, INC.","doc_count":2},{"key":"SUNTRUST BANKS, INC.","doc_count":2},{"key":"TOYOTA MOTOR CREDIT CORPORATION","doc_count":2},{"key":"TRANSWORLD SYSTEMS INC","doc_count":2},{"key":"Village Capital & Investment LLC","doc_count":2},{"key":"AMERICAN INTERNET MORTGAGE","doc_count":1},{"key":"AMERISAVE MORTGAGE CORPORATION","doc_count":1},{"key":"AXOS FINANCIAL, INC.","doc_count":1},{"key":"Ability Recovery Services, LLC","doc_count":1},{"key":"Affirm Holdings, Inc","doc_count":1},{"key":"Albert Corporation","doc_count":1},{"key":"AmeriCollect","doc_count":1},{"key":"AmeriHome Mortgage Company, LLC","doc_count":1},{"key":"Apex Mortgage LLC","doc_count":1},{"key":"Atlanticus Services Corporation","doc_count":1},{"key":"BANCO POPULAR DE PUERTO RICO","doc_count":1},{"key":"BANK OZK","doc_count":1},{"key":"BANKMOBILE TECHNOLOGIES, INC","doc_count":1},{"key":"BB&T CORPORATION","doc_count":1},{"key":"BMW Financial Services NA, LLC","doc_count":1},{"key":"BQ & Associates, P.C., L.L.O.","doc_count":1},{"key":"Barrett Financial Group, L.L.C.","doc_count":1},{"key":"Ben Franklin Finance LLC","doc_count":1},{"key":"Blitt and Gaines, P.C.","doc_count":1},{"key":"Branch Messenger, Inc.","doc_count":1},{"key":"CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP","doc_count":1},{"key":"CARRINGTON MORTGAGE SERVICES, LLC","doc_count":1},{"key":"CHARLES SCHWAB CORPORATION, THE","doc_count":1},{"key":"CMG Financial Services, Inc.","doc_count":1},{"key":"Caliber Home Loans, Inc.","doc_count":1},{"key":"Capital Accounts, LLC","doc_count":1},{"key":"CarMax, Inc.","doc_count":1},{"key":"Conn's, Inc.","doc_count":1},{"key":"Credit International Corporation","doc_count":1},{"key":"Credit Karma, LLC","doc_count":1},{"key":"DFC Global Corp.","doc_count":1},{"key":"Dave Operating, LLC","doc_count":1},{"key":"Deutsche Bank","doc_count":1},{"key":"EVERBANK, NATIONAL ASSOCIATION","doc_count":1},{"key":"EdFinancial Services","doc_count":1},{"key":"Empowerment Ventures, LLC","doc_count":1},{"key":"Equitable Acceptance Corp","doc_count":1},{"key":"Express Collections, Inc.","doc_count":1},{"key":"FREEDOM FINANCIAL NETWORK","doc_count":1},{"key":"Flagstar Bank, N.A.","doc_count":1},{"key":"Freedom Mortgage Company","doc_count":1},{"key":"Groundfloor Finance Inc.","doc_count":1},{"key":"Helvey & Associates, Inc., Warsaw, IN Branch","doc_count":1},{"key":"Home Loan Center, Inc.","doc_count":1},{"key":"ID Analytics, Inc.","doc_count":1},{"key":"Innovis","doc_count":1},{"key":"Javitch, Block & Rathbone LLC","doc_count":1},{"key":"KEYCORP","doc_count":1},{"key":"Kikoff Inc.","doc_count":1},{"key":"Law Offices of Hayt, Hayt & Landau, LLC","doc_count":1},{"key":"Lennar Financial Services, LLC","doc_count":1},{"key":"LoanCare, LLC","doc_count":1},{"key":"MJ Altman Companies, Inc.","doc_count":1},{"key":"Mortgage Research Center, LLC","doc_count":1},{"key":"National Account Systems of Omaha, LLC","doc_count":1},{"key":"Nelnet, Inc.","doc_count":1},{"key":"Newport Intermediate Inc.","doc_count":1},{"key":"OPORTUN FINANCIAL CORPORATION","doc_count":1},{"key":"OPTUM BANK, INC.","doc_count":1},{"key":"Old Republic National Title Holding Co.","doc_count":1},{"key":"Oliphant United, Inc.","doc_count":1},{"key":"OneMain Finance Corporation","doc_count":1},{"key":"PARAMOUNT RESIDENTIAL MORTGAGE GROUP","doc_count":1},{"key":"PROSPERITY BANCSHARES, INC.","doc_count":1},{"key":"Palm Beach Credit Adjustors, Inc","doc_count":1},{"key":"Populus Financial Group, Inc. (F/K/A Ace Cash Express)","doc_count":1},{"key":"Real Time Group, Inc.","doc_count":1},{"key":"Revolut Technologies Inc.","doc_count":1},{"key":"Ria Envia, LLC","doc_count":1},{"key":"River Financial Inc.","doc_count":1},{"key":"SCOTTRADE BANK","doc_count":1},{"key":"STATE EMPLOYEES CREDIT UNION","doc_count":1},{"key":"SUNCOAST CREDIT UNION","doc_count":1},{"key":"SUNRISE CREDIT SERVICES, INC","doc_count":1},{"key":"Santander Consumer USA Holdings Inc.","doc_count":1},{"key":"Selene Holdings LLC","doc_count":1},{"key":"Skrill USA, Inc.","doc_count":1},{"key":"Spring Oaks Capital, LLC","doc_count":1},{"key":"Suttell, Hammer & White, P.S","doc_count":1},{"key":"T.S. Holdings","doc_count":1},{"key":"Turner Acceptance Corp.","doc_count":1},{"key":"UMB FINANCIAL CORPORATION","doc_count":1},{"key":"United Military Mortgage, LLC","doc_count":1},{"key":"United Shore Financial Services, LLC","doc_count":1},{"key":"Velocity Portfolio Group","doc_count":1},{"key":"WEBSTER BANK, NATIONAL ASSOCIATION","doc_count":1},{"key":"WEBULL PAY HOLDINGS (US) INC","doc_count":1},{"key":"WESBANCO BANK, INC.","doc_count":1},{"key":"WESTERN UNION COMPANY, THE","doc_count":1},{"key":"Waypoint Resource Group, LLC","doc_count":1},{"key":"Webcollex, LLC","doc_count":1},{"key":"ZWICKER & ASSOCIATES","doc_count":1}]}},"state":{"doc_count":785,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CA","doc_count":107},{"key":"FL","doc_count":90},{"key":"TX","doc_count":81},{"key":"GA","doc_count":53},{"key":"NY","doc_count":47},{"key":"PA","doc_count":37},{"key":"VA","doc_count":25},{"key":"IL","doc_count":24},{"key":"MI","doc_count":23},{"key":"NC","doc_count":23},{"key":"NV","doc_count":20},{"key":"OH","doc_count":19},{"key":"WA","doc_count":19},{"key":"MD","doc_count":18},{"key":"NJ","doc_count":16},{"key":"TN","doc_count":15},{"key":"MA","doc_count":13},{"key":"SC","doc_count":13},{"key":"AZ","doc_count":11},{"key":"CO","doc_count":10},{"key":"NE","doc_count":10},{"key":"UT","doc_count":10},{"key":"AL","doc_count":7},{"key":"MN","doc_count":7},{"key":"MO","doc_count":7},{"key":"OR","doc_count":7},{"key":"WI","doc_count":7},{"key":"MT","doc_count":6},{"key":"IN","doc_count":5},{"key":"ID","doc_count":4},{"key":"LA","doc_count":4},{"key":"NH","doc_count":4},{"key":"NM","doc_count":4},{"key":"CT","doc_count":3},{"key":"DE","doc_count":3},{"key":"RI","doc_count":3},{"key":"AE","doc_count":2},{"key":"AK","doc_count":2},{"key":"DC","doc_count":2},{"key":"HI","doc_count":2},{"key":"KY","doc_count":2},{"key":"MS","doc_count":2},{"key":"OK","doc_count":2},{"key":"VT","doc_count":2},{"key":"WV","doc_count":2},{"key":"AR","doc_count":1},{"key":"ND","doc_count":1},{"key":"WY","doc_count":1}]}},"company_public_response":{"doc_count":785,"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":279},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":47},{"key":"Company believes complaint is the result of an isolated error","doc_count":3},{"key":"Company chooses not to provide a public response","doc_count":3},{"key":"Company believes complaint represents an opportunity for improvement to better serve consumers","doc_count":2},{"key":"Company believes the complaint provided an opportunity to answer consumer's questions","doc_count":2},{"key":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","doc_count":1},{"key":"Company believes the complaint is the result of a misunderstanding","doc_count":1},{"key":"Company disputes the facts presented in the complaint","doc_count":1}]}},"tags":{"doc_count":785,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":85},{"key":"Older American","doc_count":55},{"key":"Older American, Servicemember","doc_count":9}]}}},"_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":[13.61476,"8171824"],"3":[12.404776,"9047623"],"4":[11.675433,"17021036"],"5":[11.023715,"6276373"],"6":[10.648493,"5427986"],"7":[10.342497,"4521695"],"8":[9.849016,"14414928"]}}}