{"took":121,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":204,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2006263","_score":16.925129,"_source":{"product":"Debt collection","complaint_what_happened":"I received a voice mail from a case investigator XXXX out of XXXX county stating he received an affidavid or documents that he believed to support an order for me to appear in XXXX County Superior Court for investigation of check fraund and that I needed to contact him to sign some paperwork. The investigator did leave a number which I called and inquired to find out why I was being called for an alleged check fraud and could they give me some answers. I spoke with a woman by the name of XXXX or XXXX at ex. XXXX. She did n't have all of my information right but did have my email and some personal information ( mother 's first name, brother 's phone, etc ) I then gave her the last XXXX digits of my social security # to see if I could get more answers but little did I know I was then giving an ultimatium of paying {$1000.00} to a lawyer of some kind or go to court and pay over {$3000.00}. I asked if she could send me a copy of any document showing my name or signature on a payday advance loan. I received an email which I had forwarded to a friend who did some research and found out that the number attached to the email had been flagged for potential scam artist. So, I then called the XXXX Police Dept. to find out if I had any warrants out for my arrest which came back negative. When I told the XXXX why I was calling to find out about the warrent he told me to contact the local FBI and report a possible scam being done. Unfortunately, I do not have the name of the lawyer that I was apparently going to pay off, but I do have a copy of the letter that the rep sent me via email which I will attach.","date_sent_to_company":"2016-07-11T22:05:51.000Z","issue":"Taking/threatening an illegal action","sub_product":"Payday loan","zip_code":"95818","tags":null,"has_narrative":true,"complaint_id":"2006263","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CNG FINANCIAL CORPORATION","date_received":"2016-07-11T22:05:50.000Z","state":"CA","company_public_response":null,"sub_issue":"Threatened arrest/jail if do not pay"},"highlight":{"complaint_what_happened":["She did n't have all of my information right but did have my email and some personal information ( mother 's first name, brother 's phone, etc ) I then gave her the last XXXX digits of my social <em>security</em> # to see if I <em>could</em> get <em>more</em> <em>answers</em> but <em>little</em> did I know I was then giving an ultimatium of paying {$1000.00} to a lawyer of some kind or go to court and pay over {$3000.00}. I asked if she <em>could</em> send me a copy of any document showing my name or signature on a payday advance loan."]},"sort":[16.925129,"2006263"]},{"_index":"complaint-public-v1","_id":"3913637","_score":16.529217,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Complaint on Equifax Credit Bureau I am in the middle of refinancing my home mortgage and always I have trouble unfreezing my credit file with Equifax. \nThey don't have enough people to help the customers, very difficult to get hold of real person to talk to and get help, very arrogant customer care people, unfriendly to customers, their phone systems are very bad at recognizing the human voice and also differentiating human voice and background noise. \n\n\nProblem : Tried logging in to their online account https : //my.equifax.com/membercenter/ XXXX XXXX  to lift my security freeze temporarily, but their system not letting me login. Contacted them over the phone and talked to the agent. Sent all the docs requested to resolve the issue. On XX/XX/2020 received the email that the issue has been fixed. When I tried to login today XX/XX/2020 still same issue. \nTried again calling the customer service and prompted to answer few questions to verify my identity but their phone system is so bad that it's taking little background noises as my answers and rejected to continue my call. After lot of trouble I could hold of real person to talk to and explained my issue. Again they requested to send the docs and refused to unfreeze my credit file temporarily inspite of telling them that I could answer any question to verify my identity but they refused to do so because the phone system did already and I failed it seems. I really don't understand phone system ( which is already bad ) or real humans doing verification is reliable. They are relying on the phone system which is faulty, bad and not reliable. They don't even have email system to send my documents to verify my identity and instead asked me to send the documents physically which is actually more insecure way to send them. ( could lost in the transit, could land in wrong people etc ). \n\nBottom line is Equifax is the company to keep customers in trouble, cause pain and frustration. They don't have any inclination to help the issue and resolve them honestly. \nI really don't understand how could this company is approved to operate having so many customers lives in their hands. They can't even resolve any technical online login issues of customers immediately and put them under so much pain and frustration.","date_sent_to_company":"2020-10-22T21:15:24.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"43016","tags":null,"has_narrative":true,"complaint_id":"3913637","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-10-22T20:21:02.000Z","state":"OH","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["Tried again calling the customer service and prompted to <em>answer</em> few questions to verify my identity but their phone system is so bad that it's taking <em>little</em> background noises as my <em>answers</em> and rejected to continue my call. After lot of trouble I <em>could</em> hold of real person to talk to and explained my issue."]},"sort":[16.529217,"3913637"]},{"_index":"complaint-public-v1","_id":"2905134","_score":16.020452,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Bank of America continues to engage in deceptive, unfair and abusive behavior in the management of an XXXX linked mastercard. Specifically, across a month or so, it has repeatedly denied me access to the account, online or by phone, most of the time after assuring me that this would not be the case, that the card was workable and that I could see activity through online banking. Yet, after lying repeatedly, it continued to decline multiple charges for little reason, several after claiming that the card was functioning. This is an habitual and typical abuse for this card and I have filed previous CFPB complaints about it, with little change. \n\nThis XXXX associated credit card, one might think, is associated with travel. However, when I travel, the chances of the card being denied increases considerably and this happened recently. Traveling with the card frequently renders it unusable. \n\nBank of America engages in bad faith behavior by this and at least two other characteristic activities. First, it tries to elude being reached by telephone. The phone number on the back of this card is miniscule and uses white typeface against a light colored, light grey, card. It is simply illegible. When I finally was able to get a magnifying glass to read the number BOA does not want its credit card customers to use because it does not want to pay for employees to handle the calls, I encountered long wait times on the telephone, a second means of eluding public contact. Next, on one of many calls to it, a BOA representative told me I had to answer so-called security questions for her to make the card work as advertised again. BOA frequently uses garbage for security purposes, asks questions that are based on false information, then denies me access to the account, online or to use, because I do not answer with the false information that BOA wants and has embraced at the core of its operations. This is but one of many habitual problems with BOA 's operations for this card. \n\nWhen I called perhaps for the third time to get the hold BOA put on this card and refused to release for false and abusive reasons, I was told at some point that it had to issue a new card and that it would send a new one overnight to me. Yet, as it always does, BOA lied again. The card did not arrive overnight but two days later, a real problem when I travel. After getting the new card a day late, I activated it by phone and was told that it would work. Wrong again. BOA, lied about that as well. The first time I tried to use the card after the activation, the charge was denied again. I called the elusive representatives again, and was again assured that the card would work. Yet, this claim also was a lie, as the new card has not worked as advertised since I received it, despite me being told that it would 2 or more times, days apart, by 2 or more sources. Clearly, BOA has a systemic problem that it simply lies about to placate customers too busy to call it and hang on the phone until someone answers the call with another lie. \n\nI have resorted to using another credit card and doubt I will try to use the card that so many representatives of BOA are trained to lie about on cue. \n\nWhy do the CFPB and XXXX allow BOA to lie habitually to customers who try to use the XXXX mastercard?","date_sent_to_company":"2018-05-13T20:07:39.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"215XX","tags":null,"has_narrative":true,"complaint_id":"2905134","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2018-05-13T19:24:13.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["Next, on one of many calls to it, a BOA representative told me I had to <em>answer</em> so-called <em>security</em> questions for her to make the card work as advertised again. BOA frequently uses garbage for <em>security</em> purposes, asks questions that are based on false information, then denies me access to the account, online or to use, because I do not <em>answer</em> with the false information that BOA wants and has embraced at the core of its operations."]},"sort":[16.020452,"2905134"]},{"_index":"complaint-public-v1","_id":"3981914","_score":15.837185,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Got a call from XXXX. They said that they were from Chase Auto Loans and they knew my name. They said I should call them back about something with the dealership. I called back and they asked for my reference number. I pulled out my documents and I didn't see one. They said then I could just give them my full social security number. I didn't give it to them, but then I hung up and called chase. They had no record of anyone calling me. The scammers had almost the exact same answering service as chase, except it did not ask if I wanted the call in XXXX and it also had a ringtone. It also didnt ask me for my account number or anything. The scammer 's audio was horrible and she was ferociously typing on the other end. \n\nEven when I called chase from the number on their website it seemed sketchy though and I don't know what to trust because they were also asking for my full name, phone number, full social, address, and when i tried to get online to create a chase account to pay my bill they said my cell phone number didn't work for a XXXX, even though I was calling them on that number. \n\nIt was weird because they knew my name and that I got an auto loan with chase a little more than 1 week ago.","date_sent_to_company":"2020-11-30T17:14:56.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"20016","tags":null,"has_narrative":true,"complaint_id":"3981914","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-11-30T17:04:42.000Z","state":"DC","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["It was weird because they knew my name and that I got an auto loan with chase a <em>little</em> <em>more</em> than 1 week ago."]},"sort":[15.837185,"3981914"]},{"_index":"complaint-public-v1","_id":"2415686","_score":15.34429,"_source":{"product":"Bank account or service","complaint_what_happened":"In conclusion, one online bank rep cost me a lot of money but this company cost me a great deal of time. \n\nOne Friday in early XXXX, Ally Bank froze my debit card because of some {$3.00} charge I 've yet to see any proof of. When calling to unlock my card, I had to answer my series of five security questions multiple times before being informed my card would have to be replaced. I did n't have time to verify all my account information to get my card that night, and since the replacement was 7-10 business days away, I was in no rush for cash from them. \nI called back early the next week to try again. I got my replacement card mailed and I waited until last week to activate it. I followed the steps and the automated systems said it was active. I went to get cash and found it was n't working. When I called, a little irritated, I was told there was some issue and they would need to reissue another card. Another 7-10 business days! No thanks, I told them if they could n't get this resolved in this call I was going to another bank. \nThey connected me to someone else, a 3rd person that morning, when this person asked me my security questions again. At that point in time the only point of view I had was \" I verified my security questions with them 2 times, on this call alone, this is the 6th call I 've made to try and get money, this has to have been the 20th time I 've answered their questions and they 've done absolutely nothing, not one thing to make progress. '' I told them I was switching banks. \n\nI signed up for another bank but it was too late. The rep locked my account so all my debits failed, including checks on joint accounts. They put a lock and told agents not to handle that I had to call a number and speak to someone specific. \n\nThis number did n't work but they were instructed I had to call from a number on my account and NOT TO TRANSFER. \n\nEssentially pushing me into a dead-end oath that cost me hundreds of dollars but more importantly, hours of my time. \n\nI really wish there was some way to hold them accountable so companies with online-only presences are n't exploited like this.","date_sent_to_company":"2017-04-03T15:10:55.000Z","issue":"Account opening, closing, or management","sub_product":"Checking account","zip_code":"11237","tags":null,"has_narrative":true,"complaint_id":"2415686","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2017-04-03T15:10:55.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["When I called, a <em>little</em> irritated, I was told there was some issue and they would need to reissue another card. Another 7-10 business days! No thanks, I told them if they <em>could</em> n't get this resolved in this call I was going to another bank. \nThey connected me to someone else, a 3rd person that morning, when this person asked me my <em>security</em> questions again."]},"sort":[15.34429,"2415686"]},{"_index":"complaint-public-v1","_id":"14808040","_score":15.336149,"_source":{"product":"Prepaid card","complaint_what_happened":"I lost my XXXX XXXX card around XX/XX/year>. I contacted them to let them know. They told me I had to wait for my contact info to update first then call back in XXXX days. I did, my contact info was not updated so I gave them once more & every time I been in contact with them to date. Still not updated. \nI was however successful in having them send a replacement card to my old address, after they told me they'd be sending me a paper check to my new address. I called to activate it where I was told I had to verify my identity. The ID I have is a current valid government & state I'd however they refused to take that along an additional photo ID ( Both have full name and DOB XXXX. I did this entire process 3 times after which I also went to the social security office for assistance & to get my social security card for another form of identification to provide them. I received a paper receipt from the social security office for temp proof until the physical card gets to me. I have been back and forth, never received the paper check, can not activate this card. I've been hung up on numerous times and have even requested them to close the entire account. \nI've been without my social security payment for going on 2 months now. I was charged a fee to replace the card {$15.00} plus a {$4.00} shipping fee after I was told they'd be sending me my payment by paper check on the mail. I've spoke with numerous representives, but only recently started documenting their names. I've spoke with a XXXX more than once and even requested to be forwarded to a supervisor by the name of XXXX who was not only disrespectful, but must be unaware of what even their own app has listed under the FAQ. Not only did she refuse to listen to my situation but refused to close my account or transfer me to another supervisor, then argued very rudely telling me she would release the call but she wasn't transferring me. I'm XXXX XXXX XXXX they only seem bothered when I mention that I'm a little slower than others. I have to have help from family members just answering their questions. They've refused to speak and even hung up on me several times because they \" can't be having someone else telling you [ me ] what to say, '' I received an email on Friday XX/XX/XXXX saying my ID verification was approved and when I call they are telling me it was denied. I've forwarded this email along with all the documents they've requested yet the still refuse to activate my card or even close the account. \nOver the course of what's now almost 2 months I've been unsuccessful in getting anywhere with them even with what little help the social security office could do to help me.","date_sent_to_company":"2025-07-22T17:35:12.000Z","issue":"Problem getting a card or closing an account","sub_product":"Government benefit card","zip_code":"77320","tags":"Older American","has_narrative":true,"complaint_id":"14808040","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Comerica","date_received":"2025-07-22T16:33:23.000Z","state":"TX","company_public_response":null,"sub_issue":"Trouble getting a working replacement card"},"highlight":{"complaint_what_happened":["Over the course of what's now almost 2 months I've been unsuccessful in getting anywhere with them even with what <em>little</em> help the social <em>security</em> office <em>could</em> do to help me."]},"sort":[15.336149,"14808040"]},{"_index":"complaint-public-v1","_id":"3105867","_score":15.238782,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have found when trying to transfer funds online between accounts that Citibank has frozen a savings account with an approximate balance of {$13000.00} as of XX/XX/18. This is my trust account, and is a money market savings account. The bank is Citibank. The account was opened in Florida in XX/XX/2007. Citibank has had all my trust documents in their possession since XX/XX/2007. I was told I had to call the XXXX department, and at my first call I was not told the name of the department or what the letters stood for. I was told my account was frozen because I was sent a letter and I did not respond. I never received any letters from Citibank regarding a department called XXXX. I spend a few hours on the phone with this department trying to understand the information that was requested and felt very uncomfortable answering these very personal and financial questions on the phone and asked if I could go to my local branch to answer them and was told yes. I went to my local branch, in XXXX XXXX on XXXX Road yesterday and was assisted by XXXX XXXX. I spent over an hour at the branch. I brought all my trust documents again so they could be copied and forwarded to the XXXX branch. I spent almost an hour on the phone answering questions. These were very inappropriate. I was asked to NAME NAMES of people that were involved in a business my husband sold in XX/XX/2007. I was asked for the percentage amounts that other people owned in this business. I was asked about my father, who is deceased. None of this pertains to my personal trust account at Citibank. I tried to explain that we are retired. I tried to explain that the source of most of my funds, those that comprise over 25 %, are from the sale of the business in XX/XX/2007. This did not seem to be enough. I was told that I would hear back from Citibank by XXXX of that day. I did not. I called the XXXX department again. I was told I could not speak with any supervisor in the entire department because each and every single one was in a meeting. I was promised a callback in 2 hours. I received no callback. I called Citibank again and was told I needed to contact a banker in XXXX. I called and it is not even possible to live a message. I emailed this banker. Her name is XXXX XXXX. I was able to reach her this morning and asked her to please step in and try to help. She advised me that she can speak to the XXXX department but can not unfreeze the account. I have repeatedly asked for the direct report above XXXX to make a complaint and get results. No one can even tell me a name or department that XXXX reports to, including many calls to customer service. It is the week before XXXX, it is also the end of a month and year. I need to access these funds. I have been with Citibank for many many years. I have had this account with Citibank for over 10 years. This account really has very little activity and does not have substantial sums of money transferred in and out. There is much more activity in my checking account. I have been a Citigold customer for years. It is unconscionable to be asked questions regarding other people. This is not XXXX XXXX, nor the XX/XX/1950 XXXX XXXX era. I understand it is necessary to protect against money laundering. The questioning needs to be adjusted. The person I spoke with in this department on more than one occasion had very little training. The people I spoke with did not understand some of the questions they asked, let alone my answers. They did not have any financial background and did not understand basic financial terminology. It is extremely frustrating. I wish to have this account unfrozen in a timely manner. What safeguards for the public are in place to assist when banks go beyond their mandate for security? Please advise as to what other steps I may take to have this issue resolved as soon as possible. Thank you, XXXX XXXX XXXX, XXXX XXXX","date_sent_to_company":"2018-12-20T15:05:54.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"33467","tags":null,"has_narrative":true,"complaint_id":"3105867","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2018-12-20T14:37:33.000Z","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":["The person I spoke with in this department on <em>more</em> than one occasion had very <em>little</em> training. The people I spoke with did not understand some of the questions they asked, let alone my <em>answers</em>. They did not have any financial background and did not understand basic financial terminology. It is extremely frustrating. I wish to have this account unfrozen in a timely manner. What safeguards for the public are in place to assist when banks go beyond their mandate for <em>security</em>?"]},"sort":[15.238782,"3105867"]},{"_index":"complaint-public-v1","_id":"2492675","_score":15.193679,"_source":{"product":"Checking or savings account","complaint_what_happened":"Someone used my atm card to withdraw funds without my permission. I went to the bank and requested a copy of the recording so I an see who was withdrawing the funds they said it would take 10 business days. I waited the 10 business days. and went to the bank and they clearly showed me a picture of some young women withdrawing funds from my account. It clearly was not me. They filed a claim which took 15 days. The claims department denied the claim because she had my atm pin number. I have no idea how she got it but according to them it had to be someone who spent the night at my home and must 've gotten the information when I went to sleep. My husband and I both senior citizens and that never happened and we do n't have security cameras in our little apartment so for them to make that assumption was ridiculous they are refusing to answer the claim, I asked for a copy of the picture so I can take it to the police, apparently is not company policy for them to give me a picture of the thief. I am on XXXX and have had to borrower money to meet my bills the transactions are as follows XXXX-2017for XXXX, XXXX again XXXX twice and XXXX for the third time XXXX XXXX and XXXX XXXX for the 2nd time XXXX XXXX Please see attached bank statement maybe they could give you a copy of the picture that shows the woman who stole my money was no more than XXXX years old. Please help me retrieve my funds as bank of America is being unreasonable.","date_sent_to_company":"2017-05-25T13:24:18.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"92505","tags":null,"has_narrative":true,"complaint_id":"2492675","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2017-05-24T17:21:27.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["My husband and I both senior citizens and that never happened and we do n't have <em>security</em> cameras in our <em>little</em> apartment so for them to make that assumption was ridiculous they are refusing to <em>answer</em> the claim, I asked for a copy of the picture so I can take it to the police, apparently is not company policy for them to give me a picture of the thief."]},"sort":[15.193679,"2492675"]},{"_index":"complaint-public-v1","_id":"4845773","_score":14.6882105,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have been a Robinhood customer for more than two years, for security reasons, I set up all my account for two step verification, however, in the month of XX/XX/XXXX, I lost access to my phone number and my phone, so I can not verify my information to log in, However i was able to log into my account, Prior to me losing access to my account, I had filed some dispute in my account, Robinhood did not update or contact me about my dispute, about a little over two weeks, I reached out to Robinhood asking about the dispute I had filed, the Robinhood specialist that I spoke to, admitted that my case was just there and nobody escalated it as it should have been, during this process, I had verify my account at least 3 times with Robinhood, Robinhood then credited my account temporarily but then locked my account so that I can not access my funds. I called on XX/XX/XXXX and spoke to someone from the security department who was very hostile, threatening to have my funds locked into my account until I provide my personal bank statements and my ID to verify my Identity, despite the fact that I had verify my account multiple times before, I asked the specialist why should I submit my personal bank statements to Robinhood and that am concerned about my privacy issue since that has nothing to do with my Robinhood account, She then became very hostile and hang up the phone while I was still trying to get answers. At this point I believe Robinhood is treating me different and that could be racially motivated, I do have further events to back this feeling up. I am exhausting all remedies available to me before filing a lawsuit. Robinhood has been very uncooperative.","date_sent_to_company":"2021-10-26T19:16:20.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"75604","tags":null,"has_narrative":true,"complaint_id":"4845773","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"ROBINHOOD MARKETS INC.","date_received":"2021-10-26T18:53:39.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["and hang up the phone while I was still trying to get <em>answers</em>."]},"sort":[14.6882105,"4845773"]},{"_index":"complaint-public-v1","_id":"12498110","_score":14.170546,"_source":{"product":"Checking or savings account","complaint_what_happened":"Started XXXX XXXX Called ID Wells Fargo XXXX XXXX XXXX from the fraud Depatments wanted to know if I just made a charge to XXXX XXXX ( don't remember the state but back east ) for {$400.00} I said no. We called Wells Fargo Bank they said wasn't them but that number was one of there banks in XXXX Utah. \nSame date at XXXX another call from Wells Fargo Bank XXXX it was XXXX XXXX again calling both calls came in on my business phone, I told her to call me back on my cell phone so I could hear her better ( my cell # XXXX ) and she did. Asking me questions about my credit and debit cards which she gave me my card numbers first they were right on. Then told she would contact me the next day and it would only be her no one else for security. \nXX/XX/scrub>XXXX another call from Wells Fargo XXXX this time a male XXXX XXXX ( XXXX XXXX XXXX ) asked me about more charges from my credit card which I denied. He sounded phoney so I started asking him questions which he answered wrong and he hung up. \nXX/XX/scrub>XXXX XXXX Wells Fargo XXXX it was this XXXX XXXX again and I hung up on him. \nXX/XX/scrub>XXXX XXXX Wells Fargo XXXX same caller I just started giving him a bunch of crazy wrong answers he hangs up again. \nXX/XX/year> XXXX Wells Fargo XXXX this time it was XXXX XXXX XXXX Indian/ Pilipino voice ) XXXX states she's from the fraud department starts asking more questions, which I keep giving out the wrong answers, like your family mostly lives in Montana which XXXX answer all of them do which they didn't. Then I told her I fly back to Montana for 5 days then fly back to California for 2 days ( just crazy answers ) and she hangs up. \nXX/XX/year> XXXX Spam Risk call XXXX XXXX ( didn't get the XXXX number ) said they were from Wells Fargo Fraud and it was that XXXX XXXX guy again. We just hung up the phone. Then again at XXXX same number we hung up the phone. Then again at XXXX same number we hang up again. \nXX/XX/scrub>XXXX XXXX Wells Fargo XXXX this time XXXX XXXX XXXX XXXX Wells Fargo same thing talked a little bit and hung up. \nOne and only name on the charges made was XXXX XXXX and it was for {$6900.00}. then I get a notice that my business XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX has a new owner myself XXXX, add XXXX XXXX - Owners this came from XXXX XXXX. I guess they are trying to do something to my business.","date_sent_to_company":"2025-03-15T22:16:56.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"92503","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"12498110","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-03-15T20:33:44.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["XX/XX/year> XXXX Wells Fargo XXXX this time it was XXXX XXXX XXXX Indian/ Pilipino voice ) XXXX states she's from the fraud department starts asking <em>more</em> questions, which I keep giving out the wrong <em>answers</em>, like your family mostly lives in Montana which XXXX <em>answer</em> all of them do which they didn't. Then I told her I fly back to Montana for 5 days then fly back to California for 2 days ( just crazy <em>answers</em> ) and she hangs up."]},"sort":[14.170546,"12498110"]},{"_index":"complaint-public-v1","_id":"1304847","_score":14.0755205,"_source":{"product":"Debt collection","complaint_what_happened":"I first received a phone call from \" XXXX '' at Atlantic Credit and Finance , Inc. '' at my business, which I own, where the gentleman asked for me by first name only. The XXXX phone call attempt from AC & F I was not available to come to the phone, XXXX told my employee that he would wait on the phone until I became available, when my employee refused his offer he said there was no message. XXXX called back a few hours later, at this time I answered the phone. Our conversation began with XXXX telling me that I owed money for a past debt in the amount of over {$3000.00} from the company \" XXXX ''. I responded quickly telling him I have never owned or been billed for a \" XXXX '' credit card and therefore he had to have had the wrong person. That is when he began asking me personal financial information about myself just to \" check '' if he had the right person. He asked me what my address was, what my social security number was, banking information, etc. I refused to answer these questions and told him that if he is trying to collect a past debt from me HE SHOULD HAVE THAT INFORMATION in front of him. He assured me that he did indeed have all of my personal information in front of him and that he was just asking so that he could verify this information. I than asked him to please read to me the, address, social security number, and name of the banking institution he had on file for me, he only gave a false S.S. number before I stopped him and told him once again that HE HAD THE WRONG PERSON. After about a half hour of XXXX trying to \" trick '' information out of me I finally got him to agree that he had the wrong person, he apologized for the inconvenience and we hung up the phone. The next day my company received another phone call from XXXX again. He began the conversation this time the exact way he began it the day before as if we had'nt even spoken with each other before. When I reminded him that he had called me yesterday and I thought that we have resolved the issue, he just ignored me and kept going on with his interrogation for my personal information. This time I told him to please verify where I applied for this \" XXXX '' card, where I made the so called purchases, what address and name was \" XXXX '' sending statements to, in regards to this account. He tried avoiding the questions and it seemed to me that he would pause, as if he was being fed information to repeat back to me. I told him to send me as much information as he had on this account so that I could look into it myself. He told me he could not send any of the information. I told XXXX that I needed to look into this issue more and asked him for his phone number so that I could call him back once I found out more about this issue. \nOnce I got off the phone with Atlantic Credit and Finance , Inc. I researched the company online and was able to find out that I was not the first person that has an experience like this with them. I called my Attoroney General 's Office and told them a little bit about the phone call. I gave the Attoroney General 's Office Atlantic Credit and Finance 's company name, address, and phone number and they told me that the company has be dissolved for over four years.","date_sent_to_company":"2015-03-27T17:31:18.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"I do not know","zip_code":"63090","tags":null,"has_narrative":true,"complaint_id":"1304847","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Atlantic Credit & Finance, Inc.","date_received":"2015-03-27T17:31:17.000Z","state":"MO","company_public_response":"Company chooses not to provide a public response","sub_issue":"Debt is not mine"},"highlight":{"complaint_what_happened":["I told him to send me as much information as he had on this account so that I <em>could</em> look into it myself. He told me he <em>could</em> not send any of the information. I told XXXX that I needed to look into this issue <em>more</em> and asked him for his phone number so that I <em>could</em> call him back once I found out <em>more</em> about this issue. \nOnce I got off the phone with Atlantic Credit and Finance , Inc."]},"sort":[14.0755205,"1304847"]},{"_index":"complaint-public-v1","_id":"10818487","_score":13.906063,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"This year I used the services of the Trust Wallet and the Trust Wallet system without my authorization created an unjustified contract with a third party ( with or without its involvement ), who then robbed my account. As a result, XXXX XXXX USDT ( more than XXXX XXXX USD ) have been stolen from me. It happened in a way that the Trust Wallet had created a contract with a third party without my authorization that allowed them to access my account and drain my funds. During the account creation process the Trust Wallet issues a 12-word security phrase which then is usedfor all actions within the wallet and for authorization purposes. As stated above, the Trust Wallet admits that my account was drained by some malicious contract in that way also acknowledging the fact that the 12-word security phrase they issued to me was not used to sign such a contract. Trust Wallet must not have created such a contract without my authorization. During the account opening process my 12-word security phrase was written on a paper as advised by Trust Wallet , and not entered anywhere and never used since the account was drained very soon after opening the wallet. I have not accessed the Trust Wallet platform to sign a document or do any other activities. Consequently, there is no way a third party could authorize in the system to access my wallet by the 12-word security phrase. I would like to stress that this is not the case when an account holder in my person would have revealed any personal data or password for accessing the account to a third party intentionally or accidentally. \nThis is a case of a malicious scheme created within the company, exploiting security vulnerabilities that left customer accounts accessible within the system. These weaknesses are likely well known to current and former employees, with little or no effort being made to address them properly. Theft transaction details : Transaction Hash : XXXX BlockNo : XXXX DateTime ( UTC ) : XXXX XXXX From : XXXX To : XXXX Value : XXXX Token : Tether USD ( XXXX ) I have been asked to open a wallet directly on the Trust Wallet platform and then transfer XXXX XXXX ( more than XXXX XXXX USD spent to purchase USDT ) from my XXXX XXXX  to this wallet to purchase real estate. I purchased USDT for USD in the XXXX XXXX, downloaded Trust : XXXX XXXX XXXX XXXX, created a wallet there and transferred XXXX XXXX in XXXX transactions to the wallet No. XXXX in the Trust Wallet platform. After the last transaction was made, my wallet was hacked, and all funds were transferred from my wallet XXXX. : XXXX to the wallet No. : XXXX. I have not revealed my app password or 12-word security phrase to anyone. It was hacked and I think the Trust Wallet app has serious security vulnerabilities. So, this app is easy to hack and that's why I was asked to transfer my funds from my XXXX XXXX  wallet directly to my wallet in the Trust Wallet platform. My wallet was drained from another Trust Wallet wallet due to malicious contract. \nHackers are aware of these security vulnerabilities, that the app is exposed to, and use them to rob customers. Trust Wallet has serious security vulnerabilities where with another ( malicious ) contract they can transfer funds from customers wallet, and they don't need the app password, the 12-word security key, or the authorization of the owner of the wallet. Although Trust Wallet is decentralized application, it is under the jurisdiction of the State of California. Within two to three hours of the theft, I submitted a ticket for the stolen funds to Trust Wallet. But I can affirm you that as a decentralized crypto platform, they don't care about security of their application or recovering customer funds. After six days they closed the ticket without any feedback ( see attachment Closure without any feedback ). Since they did not respond to the request to re-open the closed ticket, I created a new ticket to Trust Wallet. To the second ticket they gave an answer that the funds were sent out of the wallet by a malicious contract, and they asked to provide responses to some inquiries, what I did.\n\nThe inquiries were questions like \" Confirm if you shared your 12-word secret phrase with anyone '' ( see attachment Feedback to 2nd ticket and my answers to Trust Wallet inquiries ). I also informed the XXXX XXXX, where USDT were purchased for USD and transferred in XXXX transactions to my wallet on the Trust Wallet platform. The theft was possible without my app password and 12-word security phrase, what are just an illusion of safety, because the wallets may be drained by a malicious contract without any authorization of the owner of the funds/wallet. All that indicate the Trust Wallet has serious security vulnerabilities and they do not inform potential customers about those before they create a wallet in their platform. Such theft of funds with a malicious contract would not be possible, for example, from the XXXX application. Please draw your attention to the Trust Wallet negligence about their security vulnerabilities and take necessary actions! Please make Trust Wallet to recover and/or reimburse my hacked funds. Also please help to make Trust Wallet to collaborate with law enforcement institutions to recover my funds! Like being negligent to their security vulnerabilities, due to decentralized nature Trust Wallet does not provide requested information to the law enforcement institutions outside the U.S. : Trust Wallet respond to the requests of the Latvian police but does not provide substantive answers to the questions asked, namely, does not provide necessary information. In internet there are quite many complaints of people who lost their funds from their wallet in the Trust Wallet platform because of hacked wallets. There is also information that some people state they do not use Trust Wallet platform for storing funds because of reliability. \nI just bought crypto for the first time, and I could not imagine ones wallet could be drained from some malicious contract, namely, keeping the password and 12-word security phrase safe does not guarantee anything.","date_sent_to_company":"2024-11-15T13:01:30.000Z","issue":"Other transaction problem","sub_product":"Virtual currency","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"10818487","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"DApps Platform, Inc.","date_received":"2024-11-15T12:42:15.000Z","state":null,"company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I just bought crypto for the first time, and I <em>could</em> not imagine ones wallet <em>could</em> be drained from some malicious contract, namely, keeping the password and 12-word <em>security</em> phrase safe does not guarantee anything."]},"sort":[13.906063,"10818487"]},{"_index":"complaint-public-v1","_id":"4056824","_score":13.785922,"_source":{"product":"Checking or savings account","complaint_what_happened":"I was informed the week of XX/XX/2020 that might count has been in active. I had called the company and they had told me to send in my paystub a form of identification and my Social Security card. I had sent all of these items XX/XX/XXXX I called probably about A week later to see what was happening with my account because nothing you know was changed then the lady informed me that I need to send the C ID number with that is tied to my card but they did not tell me that when I had called the first time so then I send all the information again with my C ID number then I give a called again the following probably week and a half or so away whats up my account all the images are too little we cant see them can you send it again so I sent the information thats very important information my of identification to them and they couldnt see it so I sent them one more time and then they had bothered to say oh can you send it one more time in 200 or 300 % so we could read your form identification I did this XX/XX/XXXX I called today give me five business days so they could receive the fax and I am informed once again that I need to send my form of identification one more time plus my fiancs information where as I told her why didnt you guys tell me this from the beginning she answered I dont know they should have told you this is been in your this has been in your account since XX/XX/XXXX that I needed to send information of my fianc which does not make sense because he has nothing he is not in the account this is my account I am the account holder. Every time I call they give me another task at hand where it should just have been said from the beginning every time I call its something new Ive been dealing with this issue since last year XXXX I couldnt do a lot of things because I have so much money on this account that dont have access to. Now they said I have to send my information again and my fiancs information. I do not have a problem sending this information but this would be the sixth time I send very important at information without anything happening to my account.","date_sent_to_company":"2021-01-25T15:30:47.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"60651","tags":null,"has_narrative":true,"complaint_id":"4056824","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2021-01-08T04:53:03.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["cant see them can you send it again so I sent the information thats very important information my of identification to them and they couldnt see it so I sent them one <em>more</em> time and then they had bothered to say oh can you send it one <em>more</em> time in 200 or 300 % so we <em>could</em> read your form identification I did this XX/XX/XXXX I called today give me five business days so they <em>could</em> receive the fax and I am informed once again that I need to send my form of identification one <em>more</em> time plus my fiancs"]},"sort":[13.785922,"4056824"]},{"_index":"complaint-public-v1","_id":"3751244","_score":13.683297,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/20 I discovered fraudulent purchases on my bank account dated back to XX/XX/20. I noticed my balance in text alerts was getting low and logged on to see the actual balance, It was after customer service hours, so I froze the card to prevent further charges. I attempted to call a XXXX in XXXX, PA where it said the card was just, but the employee told me there are multiple XXXX gas stations in XXXX, and he didn't see any receipts with the last 4 of my card number. The following day XXXX called my bank at the local branch on XXXX  XXXX in XXXX, PA, and I was able to submit a dispute for the charges that were not pending. The bank issued the funds immediately as credits and credited in my account. I was instructed to include all charges I thought were fraudulent, even if I was not sure. The bank also refunded me for two overdraft charges that were charged that morning ( XX/XX/20 ). The woman also informed me I would need to call back to dispute the pending charges on my account. I was able to go down to the bank through the drive through ( COVID-19 restrictions ) to get a new card, which I did that day. I called back and disputed the pending charges once finalized on XX/XX/20 and informed her of one error of charges I included in the dispute. On XXXX, 6 I opened letters from PNC informing me the dispute was denied and they would reverse the credit on XX/XX/20. I called the bank that Monday, XX/XX/20 and they informed me there were no notes on the denial and I could refile the dispute. I refiled the dispute that date and was notified the following week it was again denied. I called the bank 11 times on XX/XX/20 and could not get through, so I went through the drive thru. The manager stated he would need to review and call me the following date. I received a call from him on XX/XX/20 stating they denied because of chip card purchases and said the file said I know the person who may have done this? This was all baffling information to me and he instructed me to call and talk to corporate for more information. I called corporate and filed a complaint for a worker to return my call within 48 hour to which they did on XX/XX/20 informing me they are denying the claim because my chip was inserted to make the purchases. I informed him that was impossible because I had the card in my possession the whole time and I had accidentally included a {$5.00} charge for a medicine I paid for over the phone, which registered as another state. I offered the bank information from my work showing hours I was clocked in at work and questioned how I could use my card in XXXX and XXXX oXXXX XXXX XXXX  at the same time. I asked for a report of the times of purchases so I could provide the verification of my location and was told they could not produce one. I requested to know how they conducted the investigation, because any camera would show it was not me on the footage. He would not provide an answer to that. I told him it could not be chip card purchases when I had accidentally included that {$5.00} which was a phone payment. He was rude and degrading and told me I should have never included charges I was unsure about and that there is little chance this would changed. He told me to call corporations like XXXX and XXXX XXXX headquarters and request their security footage. I do not believe a corporation is going to release a security camera footage to a random person calling and requesting. I was very upset and my sister called back PNC with me and I refiled a complaint for someone to return my call to try to figure out how to provide proof and get answers in addition to the information I need to have my funds returned. I never received a call back from PNC on my complaint. PNC has obviously not conducted a proper investigation and has refused me of financial documents used to make their determination. They all kept me in the dark thinking this was the only way, not providing a transparent answer and withholding information.","date_sent_to_company":"2020-07-17T22:45:02.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"17815","tags":null,"has_narrative":true,"complaint_id":"3751244","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2020-07-17T21:32:22.000Z","state":"PA","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I told him it <em>could</em> not be chip card purchases when I had accidentally included that {$5.00} which was a phone payment. He was rude and degrading and told me I should have never included charges I was unsure about and that there is <em>little</em> chance this would changed. He told me to call corporations like XXXX and XXXX XXXX headquarters and request their <em>security</em> footage. I do not believe a corporation is going to release a <em>security</em> camera footage to a random person calling and requesting."]},"sort":[13.683297,"3751244"]},{"_index":"complaint-public-v1","_id":"3831708","_score":13.638554,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I will keep this short since I have SEVERAL COMPLAINTS filed without a resolution. \nEquifax has had several Security Breaches and my Personal Information has been stolen for 3 years in a row. \nIn XXXX, XXXX, and XXXX My Social Security Number, Date of Birth, Addresses, and emails were all found on the XXXX XXXX \nEquifax Never Notified me of any of their BREACHES. \nThe other credit agencies notified me instead. \nI had a Fraud Alert and now I have an ACTIVE SECURITY FREEZE with a Pin. \nThis would provide PROTECTION if these agencies weren't so RELAXED with their security. Each time I call these agencies like Equifax I am allowed to update my ADDRESS, EMAIL, AND PHONE NUMBER without being fully verified. \nInstead, I am asked questions that anyone on the XXXX XXXX can answer about me. \nI am 100 % ex/posed! \n\nEach time I ask why didn't you ask for my Pin, agents and supervisors say, \" we don't have too anymore ''! \n\nI understand the system is broken and fixed for consumers to FAIL. \n\nBut, how can I sit and watch my repaired credit get ruined again? \nAsking for a Pin code takes 3 seconds in the call. \nTo not ask says, you have a HIDDEN AGENDA! \n\nANY EXCUSE GIVEN ON ANY COMPLAINT I FILE, IS UNACCEPTABLE! \n\nI called today XX/XX/XXXX and spoke to agent \" XXXX '' at XXXX XXXX  XXXX and disputed an error on my credit for at least an hour. We spoke a little about my credit and things that are on it. ALL WITHOUT GETTING MY PIN CODE ... \n\nThey are refusing to keep consumer files and credit SECURE until they get sued. \nMaybe when they start being sued with they change that horrible rule back to asking for our PIN CODE. \nThey don't want to ask, and they continue to have SECURITY BREACHES. \nThis lack of concern and lack of security will come to a halt in court eventually and I look forward to it. \nI have spent MONEY paying Equifax for a Security Freeze XX/XX/XXXX, I have spent over 20 hours trying to secure my file, correct errors, file disputes, seek legal advice, and then some. That alone will be considered time Lost and Damages. \n\nI do hope my credit can be more secure and I hope I never have to experience my credit being ruined again. But, if it does happen again, I will have multiple complaints I have filed as the proof that this has been ongoing and it could have been prevented. \n\nI will file a complaint each and every single time an agent doesn't ask me for my SECURITY FREEZE PIN. \nI don't accept EXPERIAN CONSTANT SECURITY BREACHES, I don't accept the LACK OF INTEREST they have in notifications which means I was not notified, I will continue complaining for as long as EQUIFAX and the other agencies fail at verifying my pin code. \n\nThis is a VIOLATION OF MY SECURITY so no matter what, it will be reported!","date_sent_to_company":"2020-09-05T05:50:10.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"89169","tags":null,"has_narrative":true,"complaint_id":"3831708","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-09-05T00:49:12.000Z","state":"NV","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have spent MONEY paying Equifax for a <em>Security</em> Freeze XX/XX/XXXX, I have spent over 20 hours trying to secure my file, correct errors, file disputes, seek legal advice, and then some. That alone will be considered time Lost and Damages. \n\nI do hope my credit can be <em>more</em> secure and I hope I never have to experience my credit being ruined again. But, if it does happen again, I will have multiple complaints I have filed as the proof that this has been ongoing and it <em>could</em> have been prevented."]},"sort":[13.638554,"3831708"]},{"_index":"complaint-public-v1","_id":"10264460","_score":13.616574,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/year> I made a credit card payment in the amount of XXXX against my XXXX credit card. I used the same debit card I have used for previous payments without issue. Today after paying i was immediately locked out of the card and told to call capital one. \n\nUpon calling I was greeted with a rep from the \" fraud prevention '' department who said that I needed to sit on a call with them to have my bank tell them I owned the Debit Card I paid with. I stated that it was the same debit card I always pay with to which the lady says \" Well this could be money laundering ''. I then asked her if I complied if my payment would post immediately as it always did before to which she replied yes. Because my area is currently being impacted by XXXX XXXX I went ahead and let her call my bank. \n\nOf course my bank has to ask me my security questions and verify my identity on their end and now I have someone else listening in with XXXX way to know if my answers are being recorded. \n\nEffectively Capital One offers customers credit cards with cash back which means that if I need to make a purchase I get a little money back each time. My card has a credit limit of XXXX so I use it for everyday purchases and then make payments to this card to ensure that my credit doesnt take a hit for usage. As a result of making more than one payment the company then identifies me as a possible money launderer. If I dont make my payments or the balance stays too high they report to credit bureaus and it leads to difficulty securing credit in the future.\n\nThis is a predatory practice and if they can not utilize tooling to see that the payments are legit than perhaps they should only be allowing one payment per month. At the end of the day the consumer should not be accused of illegalities because the business cant understand its own processes.","date_sent_to_company":"2024-09-26T11:58:47.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"377XX","tags":"Servicemember","has_narrative":true,"complaint_id":"10264460","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-09-26T11:41:50.000Z","state":"TN","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["Of course my bank has to ask me my <em>security</em> questions and verify my identity on their end and now I have someone else listening in with XXXX way to know if my <em>answers</em> are being recorded. \n\nEffectively Capital One offers customers credit cards with cash back which means that if I need to make a purchase I get a <em>little</em> money back each time."]},"sort":[13.616574,"10264460"]},{"_index":"complaint-public-v1","_id":"9833439","_score":13.598272,"_source":{"product":"Checking or savings account","complaint_what_happened":"This is the text of a letter I sent to Truist on XX/XX/XXXX. To date, I have not heard one word from the bank : I have received from you a letter, addressed to my corporate name, XXXX XXXX XXXX, and dated XX/XX/XXXX, which after an apparently circuitous route reached me nearly two weeks later. The letter was to inform me that my personal and business information had been stolen through a security breach involving a small number of Truist employee accounts, but that I should be assured you are not aware of any fraudulent activity on my Truist account as a result. \n\nYour letter also informed me that this security breach occurred around XXXX XXXX, XXXX, but that despite your cybersecurity team promptly taking steps at that time to assess the situation, you did not determine until XX/XX/XXXX, that my business information was among the affected files. You did not provide an explanation for the seven-month lag between your discovery of the breach and your discovery that my information had been accessed. \n\nMeanwhile, it turns out that on XX/XX/XXXX, someone made an online application for a credit card through XXXX XXXX XXXX in Maryland using my business name and other personal information. At about the same time, an online application using my personal information was made for a line of credit with XXXX XXXX XXXX XXXX in South Carolina. Both fraudulent applications were denied, but Ive subsequently had to put a freeze on my accounts at the major credit rating agencies and Im still waiting to have the hard credit inquiries removed. \n\nI think its reasonable to think, although I cant prove as much, that these unprecedented identity theft attempts were a direct result of your security breach. So although my Truist accounts may not be compromisedyetthe information you collected from me has been used in fraudulent activity at other financial institutions. Your letter makes no mention of this possibility, nor does it present any corrective action Truist might take in that regard. \n\nOn XX/XX/XXXX, I visited my Truist branch in XXXX and met with branch manager XXXX XXXX to ask if he knew about the XXXX XXXX security breach, whether that breach was localized or system-wide, if any other Truist customers in XXXX had been affected or what kind of criminal investigationas claimed in your letter to mewas being conducted. XXXX XXXX said he was unaware of the security breach and did not know the answers to any of my questions, but that he would contact the head office and see what he could learn. \n\nOn XX/XX/XXXX, XXXX XXXX sent me an email saying he had been unable to obtain any information from your office and still could not answer my questions. He added, however, that he had requested that someone from the head office contact me directly to respond to my concerns. To date, that has not happened. \n\nYour letter therefore tells me very little while providing a lot of hollow assurances that everything is under control. Among those assurances is the claim that youre working closely with law enforcement to support their criminal investigation, which seems unnecessarily vague and non-specific. Whatever investigation is being conducted has not included any effort to contact me. \n\nOn XX/XX/XXXX, I filed a criminal complaint with the XXXX Police Department, case no. XXXX, about the two fraudulent attempts to obtain credit from XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX I dont know that I would have bothered, if not for the fact that the application to XXXX XXXXXXXX XXXX XXXX while including my XXXX home address and other personal information, also provided a different local address to which the credit card was to be mailed. I think this is what people in the criminal investigation business call a clue. \n\nTo date, as far as I know, no one has followed up on that clue. Moreover, as far as I know from the scant information youve provided, no one from your criminal investigation with an unspecified law enforcement department has contacted the XXXX Police Department to compare notes. I beg you to prove me wrong. \n\nThe bottom line is that despite your belated notice to me and your many honeyed assurances, I really dont think anyone is taking this too seriously. I realize that cyber-theft and compromised online information are widespread and possibly chalked up as a cost of doing business by large financial institutions, but such incidents are of course far more meaningful and damaging at the street level at which most of us live. Its also why skeptics like me do as little on-line banking as possible, eschew social media and steer clear of the cloud. \n\nIf you have any substantive information you can provide in response to the questionsimplicit and otherwiseIve raised above, Id be happy to hear from you, but save yourself the time and effort if all you can provide is more empty rhetoric. Oh, and one other thing : I have no idea if this letter is being sent to the best address, because Truist ( and its not just you ) goes to great lengths not to provide analog points of contact. You have my address ; I think its only fair that I have yours. And no, I dont want to call one of your client care representatives, because doing so will take more time than writing this letter has -- -plus I think theres a lot to be said in having things set out in black and white.","date_sent_to_company":"2024-08-17T20:31:50.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Checking account","zip_code":"24401","tags":"Older American","has_narrative":true,"complaint_id":"9833439","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2024-08-17T20:09:26.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["XXXX XXXX said he was unaware of the <em>security</em> breach and did not know the <em>answers</em> to any of my questions, but that he would contact the head office and see what he <em>could</em> learn. \n\nOn XX/XX/XXXX, XXXX XXXX sent me an email saying he had been unable to obtain any information from your office and still <em>could</em> not <em>answer</em> my questions. He added, however, that he had requested that someone from the head office contact me directly to respond to my concerns. To date, that has not happened."]},"sort":[13.598272,"9833439"]},{"_index":"complaint-public-v1","_id":"6570263","_score":13.59392,"_source":{"product":"Checking or savings account","complaint_what_happened":"I was contacted on XX/XX/XXXX by who I thought was Wells Fargo because that is what the caller ID said. So, I answered it, they had asked me about fraud on my account and I told them that I did not authorize these transactions, such as Wells Fargo has done in the past. Thinking that I had stopped these fraudulent charges little did I know this was a call from the people that were committing the fraud. I was under the assumption that I would get information sent to me from Wells Fargo, they said it would take some time because they were trying to catch the person that was committing fraud on my account. I did not receive any information from Wells Fargo, so I contacted Wells Fargo on XX/XX/XXXX and they had said they had no claim on this account. They told me that I needed to restart the claim. I received a letter from Wells Fargo, dated XX/XX/XXXX stating \" As a courtesy, we initiated one or more wire recalls on your behalf to attempt recovery of the funds from the banks that received the two ( 2 ) wire transfers for {$3300.00} an {$21000.00}. Unfortunately, the beneficiary banks responded that there were no funds available to return. As a result, we are unable to reimburse you and have closed your claim ''. So, I had to find a Wells Fargo branch that had a Bank Manager, I went in and met with the Bank Manager XX/XX/XXXX and tried to get this resolved. The manager and I spent 3 hours trying to resolve this issue, the fraud department at Wells Fargo was not cooperative with the Bank Manager and told her that it was my fault. The Bank Manager told me she was going to do a rebuttal on my behalf. I am supposed to hear back from Wells Fargo, I am concerned that it could be another fraud person that contacts me. Obviously, there was a breach in Wells Fargo security.","date_sent_to_company":"2023-02-14T15:22:54.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"804XX","tags":null,"has_narrative":true,"complaint_id":"6570263","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-02-14T14:08:08.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["I am supposed to hear back from Wells Fargo, I am concerned that it <em>could</em> be another fraud person that contacts me. Obviously, there was a breach in Wells Fargo <em>security</em>."]},"sort":[13.59392,"6570263"]},{"_index":"complaint-public-v1","_id":"1324783","_score":13.566496,"_source":{"product":"Debt collection","complaint_what_happened":"In 2009 I moved from on post government housing to a new home and transferred my home phone to my new residence. A few months after I started receiving letters from XXXX stating I had a outstanding bill. I explained that my account is still active that I only transferred my line and my account was current. I did n't hear anything else from them reference my bill. About 6 months later I started receiving mail from MIDLAND FUNDING stating they were attempting to collect a debt. I informed them that I still have verizon services and current with my bill. The rep stated that they 're only trying to recover the debt. I asked not to contacted any more about the account and would deal with XXXX myself. I tried several times to get someone at XXXX to find this mysterious bill with no luck. In XX/XX/XXXX I deployed and came back to more letters from MIDLAND FUNDING trying to collect the debt. They said I owed over {$300.00} but was willing to let me settle for a little over {$200.00}. So I gave in and just paid them because I can not allow any negative hits or collection on my report due to the nature of my job. I just recently sat down with my financial planner and on my Experian credit report there is a collection on there from MIDLAND FUNDING which I paid the settlement amount in XX/XX/XXXX. I 'm really upset at the fact that I paid a bill that no one could give me information about. MIDLAND FUNDING is being held accountable for placing this on my report and it does n't reflect that I paid their settlement offer. I tried to do the right thing by contacting XXXX in regards to the debt but no one can answer or find my information. I would like for MIDLAND FUNDING to remove that collection from my report because I do n't believe it was owed and I paid the settlement almost 3 years ago. This is negatively affecting my credit score and can effect my job security. I appreciate any assistance you can provide me. \n\nRegardsXXXX XXXX XXXX XXXX","date_sent_to_company":"2015-04-10T14:01:04.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"Other (i.e. phone, health club, etc.)","zip_code":"220XX","tags":"Servicemember","has_narrative":true,"complaint_id":"1324783","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2015-04-10T14:01:03.000Z","state":"VA","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["I asked not to contacted any <em>more</em> about the account and would deal with XXXX myself. I tried several times to get someone at XXXX to find this mysterious bill with no luck. In XX/XX/XXXX I deployed and came back to <em>more</em> letters from MIDLAND FUNDING trying to collect the debt. They said I owed over {$300.00} but was willing to let me settle for a <em>little</em> over {$200.00}."]},"sort":[13.566496,"1324783"]},{"_index":"complaint-public-v1","_id":"7099083","_score":13.542744,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"XX/XX/XXXX I purchased a NetSpend debit, this was to help me purchased student Bus Pass which was subsidized by the University, I needed the Pass before the spring semester break. But the ACTIVATION of the card became problem. XXXX spring semester I purchased similar card and an account was opened with the assistance of an agent and after using the card I destroyed it, because I did not intend to keep the card. Little did I know that the account was still active without any activity after a year, the home address I used I believed was my campus housing address in college, but I still have the username and the Password. I tried activating the card but it did not go through just by filling in my name, I have a popup notice to call the customer service, and I did called and I was told that, there was a restriction on my card and the activation needed confirmation that it was me. I sound stupid, and have no sense in the request. I asked if the debit card originally has a problem and the answer was no, and if it was a new card, why was it having trouble to activate? They could not provide me with any legitimate reason. I explained that the previous card was discarded because my intention was only one time use. They are requiring my social security card and my state ID, I provided my student ID, my employment card ID, and Bank Card bearing my ID, but they are not ready to activate my card. \n\nI made more than 30 calls up to now, today this was my third call. If the card doesn't have any problem previously then why would it be a big deal activating the card. \nDate purchased XX/XX/XXXX, amount {$85.00}. Purchased it from XXXXXXXX XXXX XXXXXXXX store, XXXX XXXX XXXX, store location address : XXXX XXXX XXXX, phone number XXXX. I have the receipt. I don't see any trouble in activation, I since have contacted XXXX corporate office and they see why they can \" activate my card. The number of days they kept the card needs interest on the amount. Ket sound more of scam. \nThank You. \nFor any further assistant please contact me through this same email address or call XXXX Thank you.","date_sent_to_company":"2023-06-10T20:35:01.000Z","issue":"Trouble using the card","sub_product":"General-purpose prepaid card","zip_code":"85201","tags":null,"has_narrative":true,"complaint_id":"7099083","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Netspend Corporation","date_received":"2023-06-10T19:15:14.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trouble using the card to pay a bill"},"highlight":{"complaint_what_happened":["I asked if the debit card originally has a problem and the <em>answer</em> was no, and if it was a new card, why was it having trouble to activate? They <em>could</em> not provide me with any legitimate reason. I explained that the previous card was discarded because my intention was only one time use. They are requiring my social <em>security</em> card and my state ID, I provided my student ID, my employment card ID, and Bank Card bearing my ID, but they are not ready to activate my card."]},"sort":[13.542744,"7099083"]},{"_index":"complaint-public-v1","_id":"2880826","_score":13.322636,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am writing this letter to file a complaint against XXXX XXXX and Citizens Bank. I began receiving phone calls from XXXX XXXX the end of XX/XX/XXXX. The man on the phone \" XXXX '' said that I have a student loan that was past due. He asked me to verify my social security number and address. I refused to give that information because I did not know who I was speaking to and I have no dealings with this company. The man informed me that I have a loan with my daughter which was past due. I informed the man that I no longer have student loans with my daughter. I was told that the loan originated through Citizens Bank and that he is calling from the company that is now servicing the loan. He would offer no further information without verification of my identification using my personal information. I refused and said that I would call Citizens Bank and speak with them directly. I then ended the call. \n\nI called the phone number for Citizens Bank that I found online on XX/XX/XXXX. There was a young lady named XXXX who answered. I explained that I was looking for information regarding a past due student loan with my daughter. She looked up my social security number and name and could find no information in the system. She gave me the number to the student loan department. She advised that I should call them because they may be able to help me further. \n\nI called the student loan department. I explained the situation to the woman on the phone. She took the last 4 numbers of my social security number, name, and zip code. She told me that she saw some old loan information but there was nothing further she could offer. The loans were no longer in their system. \n\nI was receiving random calls from various numbers in different cities and states. I did not recognize them so I did not answer. On XX/XX/XXXX I called and spoke to a woman named XXXX at the Consumer Finance Protection Bureau. She told me the next time they called to ask for specific information in an attempt to verify who I am speaking with. \n\nOn XX/XX/XXXX I received a call from XXXX XXXX from Citizens Bank. She told me she was calling from the collections department of the bank and that I had a loan with my daughter that was 116 days past due. I asked her to provide their street address, professional license number and licensing state. She began questioning why and was unable to provide any of the information.-even a street address She put me on hold stating that she was going to get someone on the phone who could give me information. When she came back, she said she had XXXX XXXX on the phone. I told XXXX that she should be able to provide this information about her company for me. I dont need to speak to another agency. She still questioned my reasoning and still could not provide any information. I said if Citizens Bank is the originator of the loan, and she works for them, how can she not provide me with basic information about the company and an origination date for the loan. I complained that she could not give the street address, professional license number or state for her employer. She tried again to transfer me to the person she had on the phone from XXXX XXXX but I hung up. \n\nI called another number for XXXX XXXX. I spoke to a girl named XXXX. She found nothing in my social security number but was able to tell me that there is a loan in her system originated in XX/XX/XXXX under my daughters information with my name for XXXX. I asked if this loan was consolidated through XXXX  with the others. She couldn't tell. \n\nMy daughter has been out of school for close to 10 years. She was paying her loans off regularly. She then consolidated all of the loans through XXXX. She continues to pay her loans monthly. We have heard nothing from Citizens Bank until now. She had all these other Citizen Bank loans that were being paid without incident before and after consolidation.Therefore, I dont know what is happening now. I have no more student loans with my daughter. We dont know what this loan is that has just popped up and they are trying to charge us with. They are attacking our good name and credit in the process. \n\nAccording to XXXX, XXXX and other websites, there is a 6 year statute of limitations on debt. Private student loan debt can have a 10 year statute of limitations. Per the little bit of information they have given me, this loan is 12 years old. Therefore, they should not be contacting us about it at all.","date_sent_to_company":"2018-04-20T05:20:42.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"109XX","tags":null,"has_narrative":true,"complaint_id":"2880826","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIZENS FINANCIAL GROUP, INC.","date_received":"2018-04-20T00:59:00.000Z","state":"NY","company_public_response":null,"sub_issue":"Billing dispute for services"},"highlight":{"complaint_what_happened":["She took the last 4 numbers of my social <em>security</em> number, name, and zip code. She told me that she saw some old loan information but there was nothing further she <em>could</em> offer. The loans were no longer in their system. \n\nI was receiving random calls from various numbers in different cities and states. I did not recognize them so I did not <em>answer</em>. On XX/XX/XXXX I called and spoke to a woman named XXXX at the Consumer Finance Protection Bureau."]},"sort":[13.322636,"2880826"]},{"_index":"complaint-public-v1","_id":"2880828","_score":13.298835,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am writing this letter to file a complaint against XXXX XXXX and XXXX XXXX. I began receiving phone calls from XXXX XXXX the end of XX/XX/XXXX. The man on the phone \" XXXX '' said that I have a student loan that was past due. He asked me to verify my social security number and address. I refused to give that information because I did not know who I was speaking to and I have no dealings with this company. The man informed me that I have a loan with my daughter which was past due. I informed the man that I no longer have student loans with my daughter. I was told that the loan originated through XXXX XXXX and that he is calling from the company that is now servicing the loan. He would offer no further information without verification of my identification using my personal information. I refused and said that I would call XXXX XXXX and speak with them directly. I then ended the call. \n\nI called the phone number for XXXX XXXX  that I found online on XX/XX/XXXX. There was a young lady named XXXX who answered. I explained that I was looking for information regarding a past due student loan with my daughter. She looked up my social security number and name and could find no information in the system. She gave me the number to the student loan department. She advised that I should call them because they may be able to help me further. \n\nI called the student loan department. I explained the situation to the woman on the phone. She took the last 4 numbers of my social security number, name, and zip code. She told me that she saw some old loan information but there was nothing further she could offer. The loans were no longer in their system. \n\nI was receiving random calls from various numbers in different cities and states. I did not recognize them so I did not answer. On XX/XX/XXXX I called and spoke to a woman named XXXX at the XXXX XXXX XXXX XXXX. She told me the next time they called to ask for specific information in an attempt to verify who I am speaking with. \n\nOn XX/XX/XXXX I received a call from XXXX XXXX from XXXX XXXX. She told me she was calling from the collections department of the bank and that I had a loan with my daughter that was 116 days past due. I asked her to provide their street address, professional license number and licensing state. She began questioning why and was unable to provide any of the information.-even a street address She put me on hold stating that she was going to get someone on the phone who could give me information. When she came back, she said she had XXXX XXXX on the phone. I told XXXX that she should be able to provide this information about her company for me. I dont need to speak to another agency. She still questioned my reasoning and still could not provide any information. I said if XXXX XXXX   is the originator of the loan, and she works for them, how can she not provide me with basic information about the company and an origination date for the loan. I complained that she could not give the street address, professional license number or state for her employer. She tried again to transfer me to the person she had on the phone from XXXX XXXX but I hung up. \n\nI called another number for XXXX XXXX. I spoke to a girl named XXXX. She found nothing in my social security number but was able to tell me that there is a loan in her system originated in XX/XX/XXXX under my daughters information with my name for XXXX. I asked if this loan was consolidated through XXXX  with the others. She couldn't tell. \n\nMy daughter has been out of school for close to 10 years. She was paying her loans off regularly. She then consolidated all of the loans through XXXX. She continues to pay her loans monthly. We have heard nothing from XXXX XXXX until now. She had all these other XXXX XXXX loans that were being paid without incident before and after consolidation.Therefore, I dont know what is happening now. I have no more student loans with my daughter. We dont know what this loan is that has just popped up and they are trying to charge us with. They are attacking our good name and credit in the process. \n\nAccording to XXXX, XXXX and other websites, there is a 6 year statute of limitations on debt. Private student loan debt can have a 10 year statute of limitations. Per the little bit of information they have given me, this loan is 12 years old. Therefore, they should not be contacting us about it at all.","date_sent_to_company":"2018-04-24T12:55:01.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"109XX","tags":null,"has_narrative":true,"complaint_id":"2880828","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2018-04-20T01:20:47.000Z","state":"NY","company_public_response":null,"sub_issue":"Billing dispute for services"},"highlight":{"complaint_what_happened":["She took the last 4 numbers of my social <em>security</em> number, name, and zip code. She told me that she saw some old loan information but there was nothing further she <em>could</em> offer. The loans were no longer in their system. \n\nI was receiving random calls from various numbers in different cities and states. I did not recognize them so I did not <em>answer</em>. On XX/XX/XXXX I called and spoke to a woman named XXXX at the XXXX XXXX XXXX XXXX."]},"sort":[13.298835,"2880828"]},{"_index":"complaint-public-v1","_id":"3366159","_score":12.980364,"_source":{"product":"Debt collection","complaint_what_happened":"Starting on XX/XX/XXXX I had a total of 3 calls in one day ( XXXX, XXXX, XXXX all went unanswered by me and no voicemails were left ) from XXXX. They called again on XX/XX/XXXX at XXXX ( again unanswered by me and no voicemail ). I called them back at XXXX with the call lasting 4 minutes 42 seconds. \nThe person answered the phone \" mediation center how can I help you. '' ( I was not given a proper name of the collection agency nor the name of the agent I was speaking with. ) I said \" this number has been calling me without leaving a voicemail and I'm not sure who or why? '' She then took a moment to find \" my file '' again I gave her no information as to who I was in order to locate said file. There was no information given as to who I was, I did not state my name at all. She then stated that she was looking for XXXX XXXX, I answered with a simple \" Ok '' I did not verify that I was in fact XXXX XXXX. After that she proceeded to go into detail about a alleged loan I have with Check N go dating back to XX/XX/XXXX. ( I do not see this loan anywhere on my credit file? I try to keep a close eye on my credit monitoring with XXXX and XXXX XXXX at least monthly if not weekly. Nor have I been contacted otherwise ) She explained that the total of which account is {$1200.00}. However if paid today they would settle for {$850.00}. I spoke very little during this call. Mostly with simple 'OKs ' or 'hmmmmms ''. \nShe then proceeded to tell me how they have more then enough information to take me court. She cited my full social security number, date of birth, age, employer and last known address. ( remind you I did not tell her I was XXXX XXXX. She told me she was looking for XXXX XXXX and I simply answered with an \" Ok '' ) She told me if I did not pay today or make arrangements for monthly payments today they would be able to find me and my job because my social security number follows me everywhere and they would take me to court where I would have to go in front of a judge. She threated a lawsuit that she led me to believe was already filed and ready to go, wage garnishment and more if I did not pay. At this point I then stopped her said \" I have no idea what you are talking about so I will have to do my own research. '' I could tell she was getting upset then said that they already knew everything about me and that this was time sensitive so there was no need to do my own research and that this was going to court if I did not pay. I then said \" well first of all I never stated that I was XXXX XXXX. '' After I said that she got very defensive and changed her tone and started raising her voice saying \" I told you I was looking for XXXX and you said that's who you were ''. I said, \" No I did not say I was XXXX, you said you were looking for XXXX and all I said was OK. '' Still upset she starts talking much louder and more defensively overlapping and trying to speak over me saying \" You said Ok? Well what does that mean? That's means you're XXXX. '' So I said \" listen I do not know who you are or what this is about but you need to stop contacting me. '' Then she hung up. This is extremely unacceptable. I did not state who I was. Nor did I verify myself or any other information. I wasn't even asked to verify any information. They told me who they were looking for and all I said was \" Ok. '' Nothing else. All of my information was given out freely in that phone call. This was completely unprofessional and could have really been devastating to my identity, my credit and my life if that information was given to the wrong person.","date_sent_to_company":"2019-09-11T13:55:36.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Payday loan debt","zip_code":"74011","tags":null,"has_narrative":true,"complaint_id":"3366159","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CNG FINANCIAL CORPORATION","date_received":"2019-09-06T23:10:47.000Z","state":"OK","company_public_response":null,"sub_issue":"Threatened to sue you for very old debt"},"highlight":{"complaint_what_happened":["I spoke very <em>little</em> during this call. Mostly with simple 'OKs ' or 'hmmmmms ''. \nShe then proceeded to tell me how they have <em>more</em> then enough information to take me court. She cited my full social <em>security</em> number, date of birth, age, employer and last known address. ( remind you I did not tell her I was XXXX XXXX."]},"sort":[12.980364,"3366159"]},{"_index":"complaint-public-v1","_id":"12125911","_score":12.357349,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"On XX/XX/XXXX @ XXXX p.m. I was approved for the amount {$4000.00} line of credit from XXXX which is affiliated with Citibank. which out of the amount I only used {$3700.00} to pay off a television from XXXX XXXX because at the time I didn't get paid as of yet and I didn't want the sale to be over and the price to goes back up. When I was first approved, I had access to my online account with XXXX. Weeks later when I got paid, I wanted to start paying it off online by linking my personal bank account to my XXXX  credit account to start paying them off little by little until I pay off the whole thing. But I wasn't seeing that option to link my bank account and the website was still showing the full amount of {$4000.00} and not the amount I spent, so I contacted Citipay at their number XXXX and this lady pick up and I begin telling her that I'm trying to pay off some of the amount but Im not having the option to do so. which she told me to wait until I receive the first statement. So, I said OK and we ended the called. I figure that's probably why the citipay online account wasn't reflecting the amount spent, as well, plus I have not received the television at that time, I only had the tracking number, so I known the television was on the way, but I just want to start paying since I got paid. \nOn XX/XX/XXXX the television arrived, so I tried logging in on my XXXX account now to see if the amount was reflecting and will I have the option to connect my personal bank account and start paying them off. I notice that even though I was entering the correct information and answering security questions correctly, the system keeps denying me access and send a message that I should call customer service for further help. which I did call the same number XXXX and a different lady pick up and I begin telling her, I'm trying to access my online account to make payment and it denying me access and my information never change so what's going on. She told me, to try login in on while she on the phone with me and see if I have access now. I wasn't able to login on. then she said she want to check if the information I'm putting in the system is correct, so she wants to login on her end to see what going on. So, she asks me for my full name, full security number and the code that was sent to my phone, then she told me she able to login on her end, she don't know why I'm not able to login on my end. then she told me she deleted the account off her end and I should register again and check if I had access, which I try and I was still deny access I told her I just receive the message to call in again like the first time. then I ask to speak with a supervisor, the supervisor check my information see that everything is correct, but I was still being deny access. Then the supervisor said she could see that the account was deleted. I told her yes, the representative that I was speaking to prior did that, because she said I would be able to re-register and have access, but that didn't work and I told the supervisor before the prior representative deleted the account, I still wasn't able to get in my account, but if deleting the account make the situation worse. I want that representative written up because I wanted help getting in my account to make payments not more problem. Then the supervisor said XXXX, and that she, the supervisor could still see the account on her end. So, I said that good but why don't I have access. The supervisor said she don't know why I don't have access. So, I asked to speak with the technology team to see if they could help with the problem Im having, then the supervisor said the prior representative was tech support. then I said if XXXX can not figure out why I can't have access to my Citipay account and yall work with the company how must I know why I don't have access, then I proceed saying if I known that XXXX credit company was going to give this much problem, I would have selected a different loaning company, I taught I was going to be able to just connect my personal bank and just pay this of little by little until the full thing was paid off. I didn't expect this type of problem and yall website promote online payments. after I said that the supervisor said, it could be because their a fairly new company and I'm not the only one having this issue, they been having customers complain about the same issue. Then I said I wish I had done research about XXXX company before I decided to take out a loan with XXXX XXXX, then I continue by saying is there an office that I could come to and bring my identification information so that yall could know it is me, trying to access my account. The supervisor said, no but she could see on her end that I still didn't receive the first statement. therefore, I should try again in XXXX when the first statement is sent out to see if I have access. \nXXXX came and past and I'm still having the same issue. I have spoken with tech support and the supervisor and it's been the same run a around I have been getting in XXXX, XXXX, XXXX. Now the same thing in XXXX going into XXXX. I have been making my payments by check and sending it by mail and the first check they said they received it. That payment was sent off on XX/XX/XXXX with the amount of {$300.00}. Which I had confirm that because system was tracking the check sent by mail, so I felt a little secure but not 100 % because mail could get lost and thing could go wrong with mail. So, I would feel much comfortable if I had access to the online account knowing the payment is leaving from my account straight into my citipay credit loan account paying it off. On XXXX XXXX I made my second payment of the amount of {$300.00} by check in the mail, just like I did the first XXXX. then I called the number XXXX to check that the system was tracking it. So, I know that they soon received it. then yesterday XX/XX/XXXX Citipay call me that my payment is due and I'm wondering why happen to the check in sent in the mail because their system was tracking it, because I put it in the same envelope I received from them with my statement. now today I call XXXX and I notice the system is no longer tracking the check by mail. Now I don't know why happen, so I'm waiting to see if XXXX  received the check and waiting to cash so I know my loan is being paid off or if I need to file a complaint with my bank and the post office if the check is missing. This is the problem I wanted to avoid when I was trying to link my bank account to XXXX and pay them straight. Could someone please help me resolved this problem with XXXX to have access to my account. Please I went to small claims court and I was told to file a complaint here. I hope yall able to help me. please and thank you","date_sent_to_company":"2025-02-19T02:25:21.000Z","issue":"Getting a line of credit","sub_product":"Personal line of credit","zip_code":"10460","tags":null,"has_narrative":true,"complaint_id":"12125911","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-02-19T02:03:22.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["to just connect my personal bank and just pay this of <em>little</em> by <em>little</em> until the full thing was paid off."]},"sort":[12.357349,"12125911"]},{"_index":"complaint-public-v1","_id":"2550259","_score":12.231308,"_source":{"product":"Checking or savings account","complaint_what_happened":"On  XX/XX/XXXX  I tried to make a purchase for food online. My card was declined. Upon looking at my account ledger there was a series of charges that I did not recognize. I called Wells Fargo to report fraud on the account. My first call to Wells Fargo the representative said that it was 'taken care of '. I did n't trust that and called back, the next rep at Wells wanted to file a dispute on each individual item, and not general fraud on the account. Saying that I would have to monitor the account and call back and file a dispute on each individual charge, as opposed to Wells Fargo shutting down the account for fraud. On Saturday XX/XX/XXXX  I went to the Wells Fargo branch at   XXXX   XXXX   and  XXXX  in   XXXX   XXXX  . I reported fraud on my account, the banker called the fraud department, and a dispute claim was filed on the charges that had posted to my account. I had to stay in branch while they called back because the fraud rep failed to give me a reference number. The branch then decided to shut down my card for fraud and issue me a temp card. I presented my identification and they said they could not use it because it was expired and could now not issue me a temp card. Although my identity had already been verified ( through entering pin at counter and answering verification questions ) they would not issue me a temp card because they needed an license expiration date to enter into the system. I notified the bank that I had very little cash on hand and this was my only access to funds, I also notified them I did not have enough cash on hand to get a replacement ID. They said my card would arrive in 7-10 business days, but then to the wrong address on file ( I updated my address via the online system in  XXXX . ) I told them I needed it sent to my current address, they took my address information and said the card was going there. On Monday  XX/XX/XXXX  a new charge posted the account that was also not mine. I returned to the branch on Monday  XX/XX/XXXX  because of this charge. The branch also informed me that the card did not go to the address I changed in   XXXX   ( the one I handed on a post it to the branch manager who said he would take care of it, he did n't. ) The branch once again called fraud and put me on the phone with the fraud department. The fraud specialist argued and insisted that the charge I was disputing was mine because she said it was a reoccurring transaction. I asked her to look or search my account history to show me how this was a reoccurring transaction because it had never posted to my account before the fraud issue started on the  XXXX . The representative could not find a previous history of this merchant, yet continued to argue with me about the claim being fraud. In addition I told the fraud specialist that my card had been closed and if more charges were coming out of the account that this was most likely DDA fraud where someone got my checking account information. Although the account ledger shows multiple {$1.00} authorizations, international transaction fees, and charges from outside of my home state, the fraud representative refused to listen. She forced me on hold without asking for 5 minutes to say she was getting a higher level rep. She came back on the phone with no information and no higher level rep, I once again reiterated my concerns, the phone call ended with my concerns being ignored and a dispute claim being filed on the one charge. Despite the fact I kept telling them more charges would occur, they insisted I call back with each charge one by one and file a claim on each, despite the fact I had said several times about other charges and a serious fraud issue on my account. After getting off the phone with fraud and little solution, I made the Wells branch manager aware that I was running out of cash on hand, had payroll and several thousand dollars of incoming transfers and was concerned about the fraud - kept telling me that the branch cant help and I need to handle the issue with the fraud department that was not willing to handle the issue properly. I left the branch that day and manager   XXXX   XXXX   said he would be escalating the issue to see if I could at least be verified and issued a temp card with an expired ID. Wells called me back the next day to inform me the issue was escalated but with no solution or time frame. My payroll deposit is going into my account tomorrow, I currently have {$60.00} in cash on hand and still no resolution to the continuing fraud on my account ( more unknown charges have accumulated ) and no resolution to when or how I can access funds, or when/if the fraud issue will be handled. Upon calling the branch back today  XXXX  referred me to his banker who did not have an answer and did not completely understand my issue. I have contacted Wells Fargo now 5 times via phone or in branch to resolve at least one part of the problem. Consistent rudeness and incompetence has caused it to go unresolved. I currently have no access to my own money, no security about my account or funds with ongoing fraud on my account with Wells sending me insufficient funds notices, and no timeframe or resolution in sight. Im scared, I need access to my money and for the fraud on my account to stop. This should not be what happens when you contact your bank with a fraud issue.","date_sent_to_company":"2017-06-14T21:01:30.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"90046","tags":null,"has_narrative":true,"complaint_id":"2550259","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2017-06-14T20:32:11.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I presented my identification and they said they <em>could</em> not use it because it was expired and <em>could</em> now not issue me a temp card. Although my identity had already been verified ( through entering pin at counter and <em>answering</em> verification questions ) they would not issue me a temp card because they needed an license expiration date to enter into the system."]},"sort":[12.231308,"2550259"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":204,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":204}]}},"product":{"doc_count":204,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":54,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":39},{"key":"Other banking product or service","doc_count":8},{"key":"Savings account","doc_count":7}]}},{"key":"Debt collection","doc_count":29,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":9},{"key":"I do not know","doc_count":6},{"key":"Mortgage debt","doc_count":4},{"key":"Other debt","doc_count":3},{"key":"Auto debt","doc_count":1},{"key":"Credit card","doc_count":1},{"key":"Medical debt","doc_count":1},{"key":"Other (i.e. phone, health club, etc.)","doc_count":1},{"key":"Payday loan","doc_count":1},{"key":"Payday loan debt","doc_count":1},{"key":"Private student loan debt","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":28,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Virtual currency","doc_count":9},{"key":"Domestic (US) money transfer","doc_count":8},{"key":"Mobile or digital wallet","doc_count":7},{"key":"International money transfer","doc_count":2},{"key":"Debt settlement","doc_count":1},{"key":"Money order, traveler's check or cashier's check","doc_count":1}]}},{"key":"Mortgage","doc_count":28,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":11},{"key":"Home equity loan or line of credit (HELOC)","doc_count":5},{"key":"Other type of mortgage","doc_count":5},{"key":"VA mortgage","doc_count":4},{"key":"FHA mortgage","doc_count":3}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":20,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":18},{"key":"Other personal consumer report","doc_count":2}]}},{"key":"Credit card or prepaid card","doc_count":15,"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":10},{"key":"General-purpose prepaid card","doc_count":3},{"key":"Government benefit card","doc_count":1},{"key":"Store credit card","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":10,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":10}]}},{"key":"Credit card","doc_count":7,"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":7}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":3},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Student loan","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":2},{"key":"Private student loan","doc_count":1}]}},{"key":"Prepaid card","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose prepaid card","doc_count":1},{"key":"Government benefit card","doc_count":1}]}},{"key":"Bank account or service","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","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":"Installment loan","doc_count":1}]}},{"key":"Payday loan, title loan, personal loan, or advance 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":204,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Managing an account","doc_count":35,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Deposits and withdrawals","doc_count":17},{"key":"Problem using a debit or ATM card","doc_count":9},{"key":"Funds not handled or disbursed as instructed","doc_count":3},{"key":"Banking errors","doc_count":2},{"key":"Problem accessing account","doc_count":2},{"key":"Cashing a check","doc_count":1},{"key":"Problem making or receiving payments","doc_count":1}]}},{"key":"Fraud or scam","doc_count":16,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Closing on a mortgage","doc_count":10,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Struggling to pay mortgage","doc_count":10,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"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":10,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Sued you in a state where you do not live or did not sign for the debt","doc_count":4},{"key":"Seized or attempted to seize your property","doc_count":2},{"key":"Sued you without properly notifying you of lawsuit","doc_count":2},{"key":"Threatened or suggested your credit would be damaged","doc_count":1},{"key":"Threatened to sue you for very old debt","doc_count":1}]}},{"key":"Problem with a purchase shown on your statement","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":5},{"key":"Card was charged for something you did not purchase with the card","doc_count":3}]}},{"key":"Attempts to collect debt not owed","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":3},{"key":"Debt was result of identity theft","doc_count":3},{"key":"Debt was paid","doc_count":1}]}},{"key":"Other transaction problem","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with a lender or other company charging your account","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":5},{"key":"Can't stop withdrawals from your account","doc_count":1},{"key":"Money was taken from your account on the wrong day or for the wrong amount","doc_count":1}]}},{"key":"Closing an account","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Can't close your account","doc_count":3},{"key":"Company closed your account","doc_count":2},{"key":"Funds not received from closed account","doc_count":1}]}},{"key":"Credit monitoring or identity theft protection services","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive services that were advertised","doc_count":3},{"key":"Billing dispute for services","doc_count":2},{"key":"Problem canceling credit monitoring or identify theft protection service","doc_count":1}]}},{"key":"Incorrect information on your report","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account information incorrect","doc_count":2},{"key":"Information belongs to someone else","doc_count":1},{"key":"Personal information incorrect","doc_count":1},{"key":"Public record information inaccurate","doc_count":1}]}},{"key":"Trouble during payment process","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Payment process","doc_count":1}]}},{"key":"Improper use of your report","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":4}]}},{"key":"Struggling to pay your loan","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Denied request to lower payments","doc_count":2},{"key":"Lender trying to repossess or disable the vehicle","doc_count":2}]}},{"key":"Written notification about debt","doc_count":4,"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":2},{"key":"Didn't receive notice of right to dispute","doc_count":2}]}},{"key":"Applying for a mortgage or refinancing an existing mortgage","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trying to communicate with the company to fix an issue with the application process","doc_count":1}]}},{"key":"False statements or representation","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":2},{"key":"Indicated committed crime not paying","doc_count":1}]}},{"key":"Other features, terms, or problems","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":2},{"key":"Problem with customer service","doc_count":1}]}},{"key":"Problem caused by your funds being low","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Bounced checks or returned payments","doc_count":1},{"key":"Non-sufficient funds and associated fees","doc_count":1},{"key":"Overdrafts and overdraft fees","doc_count":1}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Investigation took more than 30 days","doc_count":3}]}},{"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":"Unable to receive car title or other problem after the loan is paid off","doc_count":2},{"key":"Problem while selling or giving up the vehicle","doc_count":1}]}},{"key":"Unauthorized transactions or other transaction problem","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Closing your account","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Can't close your account","doc_count":1},{"key":"Company closed your account","doc_count":1}]}},{"key":"Cont'd attempts collect debt not owed","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not mine","doc_count":1},{"key":"Debt was paid","doc_count":1}]}},{"key":"Dealing with your lender or servicer","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with customer service","doc_count":2}]}},{"key":"Managing the loan or lease","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing problem","doc_count":1},{"key":"Loan sold or transferred to another company","doc_count":1}]}},{"key":"Opening an account","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Confusing or missing disclosures","doc_count":1},{"key":"Unable to open an account","doc_count":1}]}},{"key":"Problem when making payments","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem during payment process","doc_count":2}]}},{"key":"Problem with a purchase or transfer","doc_count":2,"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":2}]}},{"key":"Problem with fraud alerts or security freezes","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"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 arrest/jail if do not pay","doc_count":2}]}},{"key":"Trouble accessing funds in your mobile or digital wallet","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Trouble using the card","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trouble getting information about the card","doc_count":1},{"key":"Trouble using the card to pay a bill","doc_count":1}]}},{"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":"Charged fees or interest you didn't expect","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":"Fees or interest","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with fees","doc_count":1}]}},{"key":"Getting a credit card","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card opened as result of identity theft or fraud","doc_count":1}]}},{"key":"Getting a line of credit","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"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":"Didn't receive services that were advertised","doc_count":1}]}},{"key":"Money was not available when promised","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem getting a card or closing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trouble getting a working replacement card","doc_count":1}]}},{"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":"Their investigation did not fix an error on your report","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing problem","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":"Repossession","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company communicating payment assistance or payment extension options","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":"Problem lowering your monthly payments","doc_count":1}]}},{"key":"Trouble using your card","doc_count":1,"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":1}]}},{"key":"Unexpected or other fees","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":204,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":196},{"key":"No","doc_count":8}]}},"company_response":{"doc_count":204,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":165},{"key":"Closed with monetary relief","doc_count":23},{"key":"Closed with non-monetary relief","doc_count":15},{"key":"Untimely response","doc_count":1}]}},"submitted_via":{"doc_count":204,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":204}]}},"company":{"doc_count":204,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":21},{"key":"WELLS FARGO & COMPANY","doc_count":19},{"key":"JPMORGAN CHASE & CO.","doc_count":11},{"key":"CITIBANK, N.A.","doc_count":10},{"key":"EQUIFAX, INC.","doc_count":8},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":7},{"key":"Experian Information Solutions Inc.","doc_count":6},{"key":"AMERICAN EXPRESS COMPANY","doc_count":5},{"key":"Coinbase, Inc.","doc_count":5},{"key":"U.S. BANCORP","doc_count":5},{"key":"CITIZENS FINANCIAL GROUP, INC.","doc_count":4},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":4},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":4},{"key":"TRUIST FINANCIAL CORPORATION","doc_count":4},{"key":"Chime Financial Inc","doc_count":3},{"key":"ENCORE CAPITAL GROUP INC.","doc_count":3},{"key":"GOLDMAN SACHS BANK USA","doc_count":3},{"key":"Nelnet, Inc.","doc_count":3},{"key":"Ocwen Financial Corporation","doc_count":3},{"key":"Paypal Holdings, Inc","doc_count":3},{"key":"Specialized Loan Servicing Holdings LLC","doc_count":3},{"key":"TD BANK US HOLDING COMPANY","doc_count":3},{"key":"ALLY FINANCIAL INC.","doc_count":2},{"key":"CNG FINANCIAL CORPORATION","doc_count":2},{"key":"SYNCHRONY FINANCIAL","doc_count":2},{"key":"Triton Recovery Group","doc_count":2},{"key":"UNITED SERVICES AUTOMOBILE ASSOCIATION","doc_count":2},{"key":"WSFS FINANCIAL CORPORATION","doc_count":2},{"key":"AMERISAVE MORTGAGE CORPORATION","doc_count":1},{"key":"Apple Law Group, Inc.","doc_count":1},{"key":"Atlantic Credit & Finance, Inc.","doc_count":1},{"key":"BB&T CORPORATION","doc_count":1},{"key":"Betterment LLC","doc_count":1},{"key":"Block, Inc.","doc_count":1},{"key":"Bread Financial Holdings, Inc.","doc_count":1},{"key":"Bridgecrest Acceptance Corporation","doc_count":1},{"key":"Bubba Hill Auto Plaza Inc","doc_count":1},{"key":"CHARLES SCHWAB CORPORATION, THE","doc_count":1},{"key":"CLGF Holdco 1, LLC","doc_count":1},{"key":"CMG Financial Services, Inc.","doc_count":1},{"key":"Carvana Group, LLC","doc_count":1},{"key":"Comerica","doc_count":1},{"key":"Consumer Collection Management. Inc","doc_count":1},{"key":"Consumer Portfolio Services, Inc.","doc_count":1},{"key":"Credit Karma, LLC","doc_count":1},{"key":"Cstone Mortgage Inc","doc_count":1},{"key":"DApps Platform, Inc.","doc_count":1},{"key":"DEVAL LLC","doc_count":1},{"key":"DISCOVER BANK","doc_count":1},{"key":"Equitable Acceptance Corp","doc_count":1},{"key":"FIFTH THIRD FINANCIAL CORPORATION","doc_count":1},{"key":"FIRST AMERICAN FINANCIAL CORPORATION","doc_count":1},{"key":"FIRST CITIZENS BANCSHARES, INC.","doc_count":1},{"key":"Financial Credit Service, Inc.","doc_count":1},{"key":"First Help Financial, LLC","doc_count":1},{"key":"Four Directions Lending LLC","doc_count":1},{"key":"GATEWAY FIRST BANK","doc_count":1},{"key":"GREAT LAKES","doc_count":1},{"key":"Global Lending Services LLC","doc_count":1},{"key":"HSBC NORTH AMERICA HOLDINGS INC.","doc_count":1},{"key":"HUNTINGTON NATIONAL BANK, THE","doc_count":1},{"key":"Indie Technology DBA Found","doc_count":1},{"key":"LEXISNEXIS","doc_count":1},{"key":"Lending Club Corp","doc_count":1},{"key":"Lennar Financial Services, LLC","doc_count":1},{"key":"MOHELA","doc_count":1},{"key":"Malen & Associates, p.c.","doc_count":1},{"key":"Midwest Recovery Systems","doc_count":1},{"key":"Movement Mortgage LLC","doc_count":1},{"key":"Mr. Cooper Group Inc.","doc_count":1},{"key":"National Credit Systems,Inc.","doc_count":1},{"key":"Netspend Corporation","doc_count":1},{"key":"PNC Bank N.A.","doc_count":1},{"key":"Patenaude & Felix A Professional Corporation","doc_count":1},{"key":"RABOBANK, NATIONAL ASSOCIATION","doc_count":1},{"key":"RANDOLPH-BROOKS FEDERAL CREDIT UNION","doc_count":1},{"key":"ROBINHOOD MARKETS INC.","doc_count":1},{"key":"SELECT PORTFOLIO SERVICING, INC.","doc_count":1},{"key":"SN SERVICING CORPORATION","doc_count":1},{"key":"Selene Holdings LLC","doc_count":1},{"key":"Shellpoint Partners, LLC","doc_count":1},{"key":"United Military Mortgage, LLC","doc_count":1},{"key":"Village Capital & Investment LLC","doc_count":1}]}},"state":{"doc_count":204,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CA","doc_count":31},{"key":"GA","doc_count":17},{"key":"FL","doc_count":15},{"key":"NY","doc_count":10},{"key":"TX","doc_count":10},{"key":"IL","doc_count":9},{"key":"MD","doc_count":8},{"key":"NJ","doc_count":8},{"key":"MA","doc_count":7},{"key":"WA","doc_count":6},{"key":"CO","doc_count":5},{"key":"LA","doc_count":5},{"key":"NV","doc_count":5},{"key":"OH","doc_count":5},{"key":"TN","doc_count":5},{"key":"KY","doc_count":4},{"key":"MO","doc_count":4},{"key":"NC","doc_count":4},{"key":"PA","doc_count":4},{"key":"SC","doc_count":4},{"key":"VA","doc_count":4},{"key":"AL","doc_count":3},{"key":"AZ","doc_count":3},{"key":"ID","doc_count":3},{"key":"MI","doc_count":3},{"key":"OR","doc_count":3},{"key":"IA","doc_count":2},{"key":"ME","doc_count":2},{"key":"MN","doc_count":2},{"key":"NH","doc_count":2},{"key":"NM","doc_count":2},{"key":"AR","doc_count":1},{"key":"DC","doc_count":1},{"key":"DE","doc_count":1},{"key":"HI","doc_count":1},{"key":"KS","doc_count":1},{"key":"OK","doc_count":1}]}},"company_public_response":{"doc_count":204,"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":81},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":11},{"key":"Company believes complaint is the result of an isolated error","doc_count":1},{"key":"Company believes complaint represents an opportunity for improvement to better serve consumers","doc_count":1},{"key":"Company can't verify or dispute the facts in the complaint","doc_count":1},{"key":"Company chooses not to provide a public response","doc_count":1}]}},"tags":{"doc_count":204,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Older American","doc_count":26},{"key":"Servicemember","doc_count":24},{"key":"Older American, Servicemember","doc_count":11}]}}},"_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":[12.232607,"2550259"],"3":[10.297734,"8759055"],"4":[9.120304,"5903225"],"5":[8.256847,"2700775"],"6":[7.421633,"3807983"],"7":[6.575481,"7532558"],"8":[5.1769686,"3131818"]}}}