{"took":147,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1147,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6426661","_score":14.354954,"_source":{"product":"Debt collection","complaint_what_happened":"In XXXX I lived at an apartment complex. \nAs the lease was ending ; the landlord failed to provide me a notice 60 days from the time my lease was ending as stated in their lease contract. \nThey harassed me about their failure to do so and was not able to provide me the notice. \nHowever, that was not the end of the harassment and discrimination. \nI moved out and placed the keys in the unmarked and hard to facilitate drobox before the next business day started in the am and the landlord added a key fee of XXXX or so bucks. I pleaded that they run the security cameras and they would see the keys were placed in the drop box- before they were in the office next business day. \nI later received a bill from my move -out that was invalid. After months and days and weeks going back and forth with XXXX about the figures ; it was found that XXXX was miscalculating by excess time that I was never in the apartment. \nonce I provided the correct calculations - she refused to provide me the remaining balance of my deposit. \nIt has been over XXXX XXXX years since the communications. \nHowever, the XXXX has decided to think it is appropriate to now place the balance that they actually owe me on my credit report XX/XX/XXXX.","date_sent_to_company":"2023-01-11T21:22:06.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"75006","tags":null,"has_narrative":true,"complaint_id":"6426661","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2023-01-11T20:31:57.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I pleaded that they run the <em>security</em> cameras and they would see the keys were placed in the drop box- before they were in the office <em>next</em> <em>business</em> day. \nI later received a bill from my move -out that was invalid. After months and <em>days</em> and weeks going back and forth with XXXX about the figures ; it was found that XXXX was miscalculating by excess time that I was never in the apartment. \nonce I provided the correct calculations - she refused to provide me the remaining balance of my deposit."]},"sort":[14.354954,"6426661"]},{"_index":"complaint-public-v1","_id":"2656540","_score":14.354954,"_source":{"product":"Checking or savings account","complaint_what_happened":"Account has been open since XXXX XXXX XXXX.\nMy boss made a payroll deposit XXXX XXXX XXXX by BANK TRANSFER. This procedure took 3 business days, so we tried to do a PICTURE UPLOAD of his check the NEXT pay period.\nThis took place XXXX XXXX XXXX  and the funds were transferred OUT of his account that very night., and made available to me the next day.\nThis only lasted a few hours, because they FROZE my account for suspected FRAUD!\nI did speak to a security team member who told me they were automatically closing my account and they would send me a check for my funds in 5 -10 business days.\nBeing a credit card customer for years did n't make a bit of difference, even after I tried to explain the deposits and offered verification for this.\nAfter useless follow up calls and faxes, it is now 2 full weeks later, and they have not fully closed my account OR sent me a check with MY MONEY.\nAfter each call, all they tell me to do is leave a message with the team ( intake only ) and they will call me back ... well I DO, but they DO N'T.","date_sent_to_company":"2017-09-01T16:45:30.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"337XX","tags":null,"has_narrative":true,"complaint_id":"2656540","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2017-09-01T16:29:07.000Z","state":"FL","company_public_response":null,"sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["This procedure took 3 <em>business</em> <em>days</em>, so we tried to do a PICTURE UPLOAD of his check the <em>NEXT</em> pay period.\nThis took place XXXX XXXX XXXX  and the funds were transferred OUT of his account that very night., and made available to me the <em>next</em> day.\nThis only lasted a few hours, because they FROZE my account for suspected FRAUD!\nI did speak to a <em>security</em> team member who told me they were automatically closing my account and they would send me a check for my funds in 5 -10 <em>business</em> <em>days</em>."]},"sort":[14.354954,"2656540"]},{"_index":"complaint-public-v1","_id":"3959629","_score":14.278112,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, Texas XXXX Equifax Information Services LLC, XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, PA XXXX To Whom It May Concern : My personal information that is pertinent to obtaining my free annual credit report is listed accordingly : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from XXXX, Equifax and XXXX XXXX collectively. \n\nThank you for your cooperation and consideration in this matter. \n\nSincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, Texas XXXX Equifax Information Services LLC, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, PA XXXX To Whom It May Concern : My personal information that is pertinent to obtaining my free annual credit report is listed accordingly : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from XXXX, Equifax and XXXX XXXX collectively. \n\nThank you for your cooperation and consideration in this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2020-11-19T14:41:40.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"11550","tags":null,"has_narrative":true,"complaint_id":"3959629","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-11-17T20:41:05.000Z","state":"NY","company_public_response":null,"sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["I have listed under penalty of perjury my correct social <em>security</em> number and date of birth, and I would appreciate an updated <em>credit</em> report to be sent to me within the <em>next</em> five <em>business</em> <em>days</em> from XXXX, Equifax and XXXX XXXX collectively. \n\nThank you for your cooperation and consideration in this matter. \n\nSincerely, XXXX XXXX"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Unable to get your <em>credit</em> report or <em>credit</em> score"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Problem getting your free annual <em>credit</em> report"]},"sort":[14.278112,"3959629"]},{"_index":"complaint-public-v1","_id":"3937272","_score":14.173793,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Citibank is not reimbursing me for a fraudulent charge which took place on XXXX XX/XX/XXXX in the amount of {$330.00} under vendor XXXX XXXX XXXX. Here is the brief history : On XXXX XX/XX/XXXX I identified two fraudulent charges on my credit card and reported them immediately. The first charge was \" posted '' at the time, and I was immediately refunded by Citibank for the charge while they investigated. The second charge was \" pending '', and unfortunately Citibank has still not refunded me for it. Hence the reason for filing this complaint. \n\nI contacted Citibank repeatedly since XXXX XXXX, and can extract my phone records to support the many calls. Below are notes from some of the later conversations, as my concern grew that Citibank was not setup to handle fraudulent charges that are reporting when \" pending ''. Note that at first I was told they would not allow the pending charge to go through. Then I was told they must let pending charges go through, as they can't stop a pending charge. Then I was told multiple stories about when/how I would get reimbursed for the fraudulent charge. \n\nXXXX XX/XX/XXXX : Citibank rep said the dispute was filed incorrectly by previous Citibank rep. Needed to access previous credit card and dispute there, not on new card. They tried multiple times and were not successful because its under wrong card number. Went back to old card number. Transaction posted there. Will tag this as fraud on old card. This will automatically be sent to fraud department for further investigation. Will expect security credit in next 5-7 business days. Dispute Department is : XXXX XXXX XXXX. Should be taken care of by Security Services Department XXXX XXXX XXXX On XX/XX/XXXX I was told to call Security Fraud Ops at XXXX. Rep sees credit manually issued by team on XXXX XXXX, takes 3-5 days for it to appear in my account. So I should start calling again on Friday, XXXX XXXX, if it doesn't hit my account then. \n\nOn XXXX XXXX rep indicated that the credit will process when my next statement is issued, which will be XXXX XXXX. \n\nOn XX/XX/XXXX called correct department but was routed to Disputes department because the Security Fraud Ops department is closed on weekends, and only available weekdays. It is unknown if they are working on Monday since it's a holiday, so I should call back XXXX again XXXX on Tuesday to ask about the fraud situation. The business hours : M-F XXXX EST. \n\nOn XX/XX/XXXX I called 4 times but the system kept hanging up on me. \n\nOn XXXX XXXX I was told they don't know why the credit didn't post, and to check my \" online statement '' in 3-5 business days, and that I should see the credit. \n\nOn XXXX XXXX, I was told that it will take 1-2 billing cycles for the credit to post ( so now it's not the 3-5 business days, or the 5-7 business days, or the next billing cycle, but rather it's 1-2 billing cycles ). And then I was told that I need to talk to customer service and not the XXXX XXXX XXXX dept, even though up to this point the only thing Citibank representatives could eventually agree on was that I should be talking to Security Services Department. Asked to speak with a supervisor. Was told I would get call back within 3 days. Never received callback. \n\nOn XXXX XX/XX/XXXX, I was told they don't know why the supervisor didn't call me back, and that per the notes I should wait 1-2 billing cycles to get the credit issued on XXXX XXXX. Upon further investigation, it was noted the previous representative did not correctly handle the supervisor callback request, and that is why I did not receive a callback. I spent 25 minutes on the hold but was told the rep was having IT issues and couldn't get through to the supervisor line. I was told that callbacks are not within 3 days, but will take place within the next 6 business hours, and that this time I will get a callback. \n\nGiven that I have been interacting with Citibank since XXXX XXXX on this matter, and given that nothing the reps have told me has been true, I believe that Citibank has a technical flaw where it is incapable of reimbursing a customer for fraud reported when the charge is still pending. It appears I am not supposed to report fraud timely, or I will not get reimbursed for it. I don't think they mean to not reimburse me, since I have been told multiple times the credit was approved on XXXX XX/XX/XXXX, but unfortunately intent to issue a credit is not the same as having the ability to issue a credit. \n\nI no longer see how to resolve this issue when Citibank reps don't know how the process works, supervisors are inexplicably unavailable, the system can't issue the credit, and I am in my third month of calling with no forward progress.","date_sent_to_company":"2020-11-04T06:22:09.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"02909","tags":null,"has_narrative":true,"complaint_id":"3937272","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2020-11-04T06:16:01.000Z","state":"RI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["On XXXX XXXX I was told they don't know why the <em>credit</em> didn't post, and to check my \" online statement '' in 3-5 <em>business</em> <em>days</em>, and that I should see the <em>credit</em>. \n\nOn XXXX XXXX, I was told that it will take 1-2 billing cycles for the <em>credit</em> to post ( so now it's not the 3-5 <em>business</em> <em>days</em>, or the 5-7 <em>business</em> <em>days</em>, or the <em>next</em> billing cycle, but rather it's 1-2 billing cycles )."],"product":["<em>Credit</em> card or prepaid card"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[14.173793,"3937272"]},{"_index":"complaint-public-v1","_id":"9418837","_score":14.01884,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I've been to my credit union several times and they can not seem to pull my credit report from Equifax. I have called Equifax no less than XXXX times in the past month and have grown quite frustrated with them because they tell me that they do not show a security freeze on my account, yet my credit union states that there is. They've even contacted their corporate office and they stated the same thing, that Equifax has a freeze and fraudulent report on there, and they are unable to review my credit report for loans, banking and etc. I've asked Equifax to resolve this issue for over 30 days an still no resolve issue. \nIf this matter can't be resovled in the next XXXX business days then I will fill a Lawsuit against Equifax for continuously showing false reports on my credit.","date_sent_to_company":"2024-07-03T21:29:33.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"27410","tags":null,"has_narrative":true,"complaint_id":"9418837","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-07-03T20:41:40.000Z","state":"NC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["They've even contacted their corporate office and they stated the same thing, that Equifax has a freeze and fraudulent report on there, and they are unable to review my <em>credit</em> report for loans, banking and etc. I've asked Equifax to resolve this issue for over 30 <em>days</em> an still no resolve issue. \nIf this matter can't be resovled in the <em>next</em> XXXX <em>business</em> <em>days</em> then I will fill a Lawsuit against Equifax for continuously showing false reports on my <em>credit</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Problem with fraud alerts or <em>security</em> freezes"],"sub_product":["<em>Credit</em> reporting"]},"sort":[14.01884,"9418837"]},{"_index":"complaint-public-v1","_id":"7318869","_score":14.001837,"_source":{"product":"Checking or savings account","complaint_what_happened":"RECEIVED A PROMOTION FROM CITI BANK ( PROMO : XXXX ) IF I DEPOSIT OVER {$75000.00} WILL RECEIVE {$1000.00} AFTER 3 MONT OF THE DEPOSIT, I OPENED THE ACCOUNT ONLINE AND USED THE PROMO CODE BUT WAS NOT PROVIDED WITH AN ACCOUNT NUMBER, SO I CALLED THE NEXT DAY TO GET THE ACCOUNT NUMBER AND WAS TOLD IT IS NOT AVAILABLE YET, CALLED FEW TIMES ON THE NEXT FEW DAYS, THEY TOLD ME FOR SECURITY REASONS THE COULD NOT GIVE THE ACCOUNT NUMBER OVER THE PHONE, WENT TO THE NEAREST CITIBANK BRANCH AND THEY COULD NOT HELP ME ALSO. RECEIVED THE CHECKS AFTER TWO WEEKS AS THEY SEND THEM TO THE WRONG ADDRESS ( THE ADDRESS ON THE CHECKS THEMSELVES IS WRONG ). \nI IMMEDIATELY INITIATED THE TRANSFER FROM MY XXXX BANK TO CITI WHICH TOOK THREE BUSINESS DAYS TO BE VERIFIED AND TRANSFERRED {$79000.00} TO CITI BANK BUT I WAS TOLD NOW THERE IS A HOLD PERIOD OF UP TO 3 WORKING DAYS BEFORE THE ACCOUNT IS CREDITED.\n\nNOW I'M TOLD THAT I DO NOT QUALIFY FOR THE PROMOTION AS I SHOULD HAVE MADE THE DEPOSIT IN LESS THAT 21 CALENDAR DAYS, WHICH IS IMPOSSIBLE CONSIDERING ALL THE OPESTICAL I HAVE TO GO THROUGH. \nFILED A COMPLAINT # XXXX WITH CITI BANK BUT WAS DECLINED.","date_sent_to_company":"2023-07-28T19:30:57.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"90606","tags":null,"has_narrative":true,"complaint_id":"7318869","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-07-28T18:46:48.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive terms that were advertised"},"highlight":{"complaint_what_happened":["I IMMEDIATELY INITIATED THE TRANSFER FROM MY XXXX BANK TO CITI WHICH TOOK THREE <em>BUSINESS</em> <em>DAYS</em> TO BE VERIFIED AND TRANSFERRED {$79000.00} TO CITI BANK BUT I WAS TOLD NOW THERE IS A HOLD PERIOD OF UP TO 3 WORKING <em>DAYS</em> BEFORE THE ACCOUNT IS <em>CREDITED</em>.\n\nNOW I'M TOLD THAT I DO NOT QUALIFY FOR THE PROMOTION AS I SHOULD HAVE MADE THE DEPOSIT IN LESS THAT 21 CALENDAR <em>DAYS</em>, WHICH IS IMPOSSIBLE CONSIDERING ALL THE OPESTICAL I HAVE TO GO THROUGH. \nFILED A COMPLAINT # XXXX WITH CITI BANK BUT WAS DECLINED."]},"sort":[14.001837,"7318869"]},{"_index":"complaint-public-v1","_id":"3959626","_score":13.75098,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX Social Security # XXXX DOB : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXX. XX/XX/XXXXXXXX, XXXX, XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX. XX/XX/XXXXXXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XX/XX/XXXX XXXX, XXXX, XX/XX/XXXXXXXX To Whom It May Concern : My personal information that is pertinent to obtaining my free annual credit report is listed accordingly : XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX Social Security # XXXX DOB : XX/XX/XXXX Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next XXXX business days from Experian, XX/XX/XXXXand XXXX XXXX collectively. \n\nThank you for your cooperation and consideration in this matter. \n\nSincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX Social Security # XXXX DOB : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXX. XX/XX/XXXX XXXX, XXXX, Texas XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX XXXX. XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XX/XX/XXXX XXXX, XXXX, XX/XX/XXXXXXXX To Whom It May Concern : My personal information that is pertinent to obtaining my free annual credit report is listed accordingly : XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX Social Security # XXXX DOB : XX/XX/XXXX Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from Experian, XX/XX/XXXX and XXXX XXXX collectively. \n\nThank you for your cooperation and consideration in this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2020-11-17T20:40:57.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"11550","tags":null,"has_narrative":true,"complaint_id":"3959626","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-11-17T20:28:56.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["I have listed under penalty of perjury my correct social <em>security</em> number and date of birth, and I would appreciate an updated <em>credit</em> report to be sent to me within the <em>next</em> five <em>business</em> <em>days</em> from Experian, XX/XX/XXXX and XXXX XXXX collectively. \n\nThank you for your cooperation and consideration in this matter. \n\nSincerely, XXXX XXXX"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Unable to get your <em>credit</em> report or <em>credit</em> score"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Problem getting your free annual <em>credit</em> report"]},"sort":[13.75098,"3959626"]},{"_index":"complaint-public-v1","_id":"4636354","_score":13.670794,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I was opened a XXXX  credit card with Citibank, and they closed my account today due to returned payment as I didnt missing any payment, my next due day is not coming yet.also they was never created those payments on my account but when the payment was returned, they add those amounts to my balance.All of that with no notice to me, also I didnt have access to the account a week ago due to some security reasons, at that time they was told me, thats only option for access to the account is sending me a letter, its takes 7-10 business days to arrive my address, so I never received that letter as today.now they said the account can not reopen.","date_sent_to_company":"2021-08-17T05:27:23.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"91016","tags":null,"has_narrative":true,"complaint_id":"4636354","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2021-08-17T01:06:31.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["me a letter, its takes 7-10 <em>business</em> <em>days</em> to arrive my address, so I never received that letter as today.now they said the account can not reopen."],"product":["<em>Credit</em> card or prepaid card"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[13.670794,"4636354"]},{"_index":"complaint-public-v1","_id":"2064705","_score":13.619855,"_source":{"product":"Credit card","complaint_what_happened":"My attempts at securing a travel rewards credit card with DISCOVER were a joke. \n\nThey requested proof of address and proof of social security coverage. I submitted a statement from XXXX insurance with my proper address on it. \n\nAt the same time I submitted a page from US.gov.socialsecurity with a copy of my social security card at the bottom. \n\nWhen I called to verify the receiving of this information, I was told that the social security card was too dark and that the XXXX statement did not have a date on it. \n\nBecause I am visiting family away from home I was attempting to secure this card before I have to pay off some large upcoming bills. \n\nThis was very frustrating. I began by trying to submit the documentation electronically via computer. The DISCOVER card system only accepts certain types of files, not including WORD. Attempts to try to convert to these files were unsuccessful. So the next step was going to the local library to make copies of the above mentioned files. Next was a trip to XXXX to pay {$2.00} to fax this information to DISCOVER. \n\nI had spoken to a person a few days before and they assured me that my documentation would be acceptable. Now after running around to try and provide acceptable documentation, I am told that what I submitted is not acceptable. \n\nThe irony is that I have outstanding credit and DISCOVER has just lost a very serious customer who had planned to use this card as my primary credit card. \n\nCONGRATULATIONS DISCOVER! You just alienated a loyal potential customer. Your loss. There are other companies that want my business. \n\nXXXX XXXX XXXX","date_sent_to_company":"2016-08-15T15:05:27.000Z","issue":"Application processing delay","sub_product":null,"zip_code":"34652","tags":null,"has_narrative":true,"complaint_id":"2064705","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2016-08-15T15:05:26.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The irony is that I have outstanding <em>credit</em> and DISCOVER has just lost a very serious customer who had planned to use this card as my primary <em>credit</em> card. \n\nCONGRATULATIONS DISCOVER! You just alienated a loyal potential customer. Your loss. There are other companies that want my <em>business</em>. \n\nXXXX XXXX XXXX"],"product":["<em>Credit</em> card"]},"sort":[13.619855,"2064705"]},{"_index":"complaint-public-v1","_id":"5006017","_score":13.589789,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Discover bank approved me for a secured credit card with an opening deposit of {$2000.00}. After the opening deposit was paid I was sent an email from discover bank stating they cant open my account until I authorize them to review my tax statements. I did not feel comfortable with this company reviewing my tax statements so I called on XX/XX/XXXX and requested my security deposit be returned. The gentleman stated that the account would be closed as I had not received a card and my security deposit would be returning in the next 10 business days. 4 other times during the month of XXXX I contacted Discover bank inquiring about my security deposit and each representative stated that it had been mailed out. On XX/XX/2021 I spoke with a supervisor XXXX out of Ohio that advised me that even though the account was closed and the card had never been activated the security deposit was never processed to be returned. She then proceeded to say it wasnt her fault and all she could tell me is it will take 3 days for her supervisor to review it then another 10 days before I would get a check mailed to me. I advised her that I have given discover bank over 30 days and that I needed an answer as to when my money would be return. XXXX then told me there is nothing else she can tell me and after I requested to be transferred to someone who can help me she hung up the line.","date_sent_to_company":"2021-12-14T15:39:06.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"60616","tags":null,"has_narrative":true,"complaint_id":"5006017","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2021-12-14T15:25:11.000Z","state":"IL","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["The gentleman stated that the account would be closed as I had not received a card and my <em>security</em> deposit would be returning in the <em>next</em> 10 <em>business</em> <em>days</em>. 4 other times during the month of XXXX I contacted Discover bank inquiring about my <em>security</em> deposit and each representative stated that it had been mailed out."],"product":["<em>Credit</em> card or prepaid card"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[13.589789,"5006017"]},{"_index":"complaint-public-v1","_id":"14671014","_score":13.584799,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"A fraud credit card application was made to Barclays on XX/XX/year>. I contacted them on the next business day XX/XX/year> and an agent told me the application was declined and that the Hard Inquiry would be removed. On XX/XX/year> I set Fraud Alerts and Credit Freezes across all three credit bureaus.\n\nI have called repeated to get status and gotten the run around. \nXXXX - Called, was told to speak to Security at XXXX XX/XX/year> - Called was told to write a letter with my claim and a copy of my credit report and fax it to XXXX, did XX/XX/year> - Call XXXX again, was told to call XXXX. \nXX/XX/year> - Called XXXX, was told to call XXXX. Told the agent that was where I was original, was told to call XXXX. Asked to speak to manager, and was given an agent who confirmed that the application was denied, but the hard inquiry could take 60 days to be removed. According to the FCRA, it should be removed with 30 days ( the two other companies where a card was applied for fraudulently, declined and I called took less than 2 business days to scrub from my credit history ).\n\nIt is now over 50 days since I reported this information","date_sent_to_company":"2025-07-15T14:04:17.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"20011","tags":null,"has_narrative":true,"complaint_id":"14671014","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2025-07-15T13:48:34.000Z","state":"DC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["According to the FCRA, it should be removed with 30 <em>days</em> ( the two other companies where a card was applied for fraudulently, declined and I called took less than 2 <em>business</em> <em>days</em> to scrub from my <em>credit</em> history ).\n\nIt is now over 50 <em>days</em> since I reported this information"],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Unable to get your <em>credit</em> report or <em>credit</em> score"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Problem getting your free annual <em>credit</em> report"]},"sort":[13.584799,"14671014"]},{"_index":"complaint-public-v1","_id":"4863287","_score":13.438732,"_source":{"product":"Checking or savings account","complaint_what_happened":"Everything started off with a check that I received in the mail. I received an email telling me to expect one for the contract I signed up for months ago that offered me money for putting advertisement vinyls on my vehicle. They said the amount they were sending me would be for the cost of putting the vinyl on my car. I receive the the check, deposit it into my HSBC checking account via mobile deposit around the middle of XXXX. ( I dont have the exact date, youll see why later. ) 2 days go by and nothing has been deposited in my account. I go to log in through the mobile app and an error message pops up saying that my account was suspended. I called the next day to talk to customer service. The customer service team could not help me because the security team is only open from XXXX to XXXX. I call the next morning at XXXX XXXX  and speak to customer service again and they forward my call to the security team. The lady on the phone confirms the deposit I made and said that my account is under a 5 day review and that I do not have access to my account during this time. She mentioned that it was a fraudulent check. I signed up for an advertising company and had no clue that this was going to be a scam. After 5 business days, I call back and ask for an update. Customer service team forwards me to the security team again and a different lady tells me that my account has been recommended for closure. I did nothing, but as long as I get my money, I dont care. ( The money thats previously in there, not the deposited check. ) The lady that I spoke to said that as soon as the account was marked recommended for closure the closure team receives a notification and a check is immediately made out with the remaining balance of whats in the account. She said to wait until Wednesday to receive the check. Then, on Thursday ( due to COVID-19, I gave the USPS an extra day ) I called back asking if they sent my check out yet. I was forwarded to the security team once again and the lady told me that after the closure protocols take up to 30 days. It went from 5 days to check written immediately, to up to 30 days. I call in today ( XX/XX/2021 ) and ask to see if it had happened to be sent out yet ( 15 days into the review ) and they said no and that they are still completing their closure protocols. After asking how long that takes just to confirm I would get the same answer, the agent tells me she doesnt have a clue. I asked if she could give me estimate, a day? A year? She said not a year but couldnt narrow it down any more than that. When I started asking her more questions, she forwarded me to the agent that was handling my closure account process. All this did was let this member of their team tell me how irresponsible it was to deposit a check that I didnt know the funds were good for. Im sorry, but no one calls the bank to make sure EVERY check is good before depositing it. Every time I asked him a question he would continue to ridicule me about how reckless I was for depositing that check in which I said I have clearly learned my lesson and that I would just like my over {$2000.00} dollars in my account to be sent to me. He said it takes about 30 or more BUSINESS days. Again, no definite timeline, but with the added business element to the date. So from 5 days, to immediately, to 30 days, to I havent a clue, to 30 OR MORE business days. I just want the money that is owed to me. This is causing my bills to be late and will inevitability cause credit score issues. I just want my money. I dont care about this fraudulent check with this fraudulent advertising company. I just want HSBC to send me my money.\n\nI sent in a complaint via cfpb and they replied with something that didnt give me ANY information really. Just an apology for the frustration basically. \n\nUPDATE : I called today ( Monday, XXXX XXXX ) and they are telling me it could take up to 90 DAYS???? Is this even legal???? \n\nSo now, from 5 days, to 10 days, to 30 days, and now its 90 days! Seems convenient. Next time I call in Im sure it will be 180 days. I dont know how a bank is allowed to do this.","date_sent_to_company":"2021-11-01T14:20:36.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"46202","tags":null,"has_narrative":true,"complaint_id":"4863287","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HSBC NORTH AMERICA HOLDINGS INC.","date_received":"2021-11-01T14:06:22.000Z","state":"IN","company_public_response":null,"sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["He said it takes about 30 or more <em>BUSINESS</em> <em>days</em>. Again, no definite timeline, but with the added <em>business</em> element to the date. So from 5 <em>days</em>, to immediately, to 30 <em>days</em>, to I havent a clue, to 30 OR MORE <em>business</em> <em>days</em>. I just want the money that is owed to me. This is causing my bills to be late and will inevitability cause <em>credit</em> score issues. I just want my money. I dont care about this fraudulent check with this fraudulent advertising company. I just want HSBC to send me my money."]},"sort":[13.438732,"4863287"]},{"_index":"complaint-public-v1","_id":"6960200","_score":13.151481,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Navy Federal Credit Union Funds from a certified check which were previously made available in my business checking account were withdrawn from 3 different accounts after I walked into a Navy Federal XXXX in XXXX XXXX  on Saturday XX/XX/2023. \nI deposited a certified check for {$34.00}, XXXX into my Navy Federal business account ( XXXX XXXX XXXX XXXX Access # XXXX ) at the XXXXXXXX XXXX XXXXXXXX XXXX afternoon XX/XX/XXXX. I verified with the teller that the certified check fell within the posted guidelines indicating that guaranteed funds are made available the next business day. I further advised that teller that I had just picked up the check at XXXX XXXX XXXX XXXX and that the branch manager was available to verify said funds if necessary. I was advised that the total deposit would be made available the next day. The check cleared as promised and was made available. When I logged into my account on XXXX XXXX XXXX 100 % of my funds were accessible. I transferred funds to a business savings account and a personal checking account. Additionally, I withdrew cash and ordered a cashiers check from the funds transferred to the personal account. \nI visited the Navy Federal XXXXXXXX XXXX  branch on XXXX morning to pick up the cashiers check and was advised that the branch manager needed to call the back office as there was an issue. After an extremely long wait the branch manager invited me into her office and advised me that there was something suspicious about my check and that it would be held for XXXX business days. I was beyond confused about what could be suspicious about a check I had requested while standing in line at the credit union. After much confusion I realized that she was referring to the check I deposited into my business account the previous day. When asked what was suspicious, she just persisted in telling me I would just have to wait XXXX  days to access my funds. I requested she call XXXX as the Branch Manager would gladly validate the check. She refused as did the two managers I spoke with on the phone subsequent to leaving the branch that day. Regardless of my questions or requests every Navy Federal representative refused to help me and persisted in repeating that I would just have to wait out the XXXX days. \nThis is not the first time Navy Federal policies changed after I physically entered a branch. My money was accessible until I walked into the branch. I spoke with one woman that XXXX afternoon who advised me that I could not have been racially profiled because the man who implemented the hold on my money was a XXXX man she happened to know. That statement is a serious problem and reflects a real need for XXXX & I and Unconscious XXXX training. Much to my surprise, Navy Federal wiped out the funds from my business checking, business savings, and my personal checking accounts leaving me with XXXX ( XXXX ) funds. \nI later learned that I was locked out and could not log in to my accounts as I needed to speak with the security department to clear a security hold. My first call and 50-minute wait to this XXXX department included a series of ridiculous questions. I was asked if I had deposited said check, the amount of said check, the source of the check etc. I was not asked anything whatsoever that Navy Federal did not already know. The first young lady I spoke to in the security department asked why I was given said check. I advised her it was none of her business. The source of my funds is not a matter of bank security. She was annoyed and maliciously failed to remove the hold. The next time I attempted to log in I was still locked out of my account. I called to determine my account balance on XXXX as I received confirmation that my XXXX  check was deposited. I have been without any money for XXXX  days at this point. The representative advised that my personal checking balance was {$360.00}. Immediately following that call my debit card was declined for a very small purchase. All my Navy Federal debit cards were deactivated, declining even the use of funds later deposited to my account. I was denied access to or the use of my XXXX funds. After my 7th call to Navy Federal, I was directed back to the security department where I was advised that there was additional information they needed. The XXXX man I spoke with asked me nothing new or different from the previous young lady. He too asked me if there was a reason I was given said funds. Again, I declined to answer. There could be NO question as to my identity. I had physically walked into 2 different Navy Federal branches within a XXXX-hour period of time and presented state issued identification. There could be NO question whatsoever as to my identity or my initiating the transactions in question. I asked each an every Navy Federal representative to explain what was suspicious about my check. No one would answer that question. No one would call the issuing bank to resolve the issue. No one would help me. I was consistently told I would just have to wait XXXX business days which left me penniless for XXXX whole days. \nNavy Federal serves this XXXX  veterans, a population of people who have already withstood tremendous trauma. The lack of compassion, care, help, and support I was shown is beyond disappointing. My recent Navy Federal experience began a series of events that have led to my financial ruin, and created tremendous trauma for my family and I. I have suffered late fees, XXXX fees, penalties and more.","date_sent_to_company":"2023-05-10T20:33:00.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"30019","tags":"Servicemember","has_narrative":true,"complaint_id":"6960200","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2023-05-10T19:20:55.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["The first young lady I spoke to in the <em>security</em> department asked why I was given said check. I advised her it was none of her <em>business</em>. The source of my funds is not a matter of bank <em>security</em>. She was annoyed and maliciously failed to remove the hold. The <em>next</em> time I attempted to log in I was still locked out of my account. I called to determine my account balance on XXXX as I received confirmation that my XXXX  check was deposited. I have been without any money for XXXX  <em>days</em> at this point."],"company":["NAVY FEDERAL <em>CREDIT</em> UNION"]},"sort":[13.151481,"6960200"]},{"_index":"complaint-public-v1","_id":"8620587","_score":13.129716,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On or about XX/XX/XXXX, I contacted XXXX XXXX XXXX after making 12 months of on-time payments to refinance the vehicle loan, as my credit score increased, and the 15.9 % interest rates was too high. They indicated that they did not refinancing. On XX/XX/XXXX, I attempted to trade in the vehicle, but they indicated the vehicle was only worth {$8000.00} due to the recalls for theft. I indicated that I owed XXXX on the vehicle. Rather than trade the car in, I opted to do a voluntary repossession. I dropped the vehicle off at XXXX XXXX XXXX, and called XXXX within the next hour to let them know that I voluntarily repossessed the vehicle due to the fact of the vehicle value and the amount of my loan balance. I was told I would be called within 3 days. I never received any additional bills, notices that payment was late or any other notifications about the account. On XX/XX/XXXX, I received a phone call from a XXXX representative that indicated the account was 60 days past due. I asked to speak to a supervisor and I was told I would be called in the next 3 business days. On or about XX/XX/XXXX, another representative called and indicated that they could not locate the vehicle at the address that I provided. I indicated to them that they need to check the security cameras that would show they vehicle and the keys were left with the repo manager.","date_sent_to_company":"2024-03-26T00:59:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77381","tags":null,"has_narrative":true,"complaint_id":"8620587","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-03-26T00:59:33.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I asked to speak to a supervisor and I was told I would be called in the <em>next</em> 3 <em>business</em> <em>days</em>. On or about XX/XX/XXXX, another representative called and indicated that they could not locate the vehicle at the address that I provided. I indicated to them that they need to check the <em>security</em> cameras that would show they vehicle and the keys were left with the repo manager."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.129716,"8620587"]},{"_index":"complaint-public-v1","_id":"8620586","_score":13.122229,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On or about XX/XX/XXXX, I contacted XXXX XXXX XXXX after making 12 months of on-time payments to refinance the vehicle loan, as my credit score increased, and the 15.9 % interest rates was too high. They indicated that they did not refinancing. On XX/XX/XXXX, I attempted to trade in the vehicle, but they indicated the vehicle was only worth {$8000.00} due to the recalls for theft. I indicated that I owed XXXX on the vehicle. Rather than trade the car in, I opted to do a voluntary repossession. I dropped the vehicle off at XXXX XXXX XXXX, and called XXXX within the next hour to let them know that I voluntarily repossessed the vehicle due to the fact of the vehicle value and the amount of my loan balance. I was told I would be called within 3 days. I never received any additional bills, notices that payment was late or any other notifications about the account. On XX/XX/XXXX, I received a phone call from a XXXX representative that indicated the account was 60 days past due. I asked to speak to a supervisor and I was told I would be called in the next 3 business days. On or about XX/XX/XXXX, another representative called and indicated that they could not locate the vehicle at the address that I provided. I indicated to them that they need to check the security cameras that would show they vehicle and the keys were left with the repo manager.","date_sent_to_company":"2024-03-26T00:59:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77381","tags":null,"has_narrative":true,"complaint_id":"8620586","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-03-26T00:59:33.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I asked to speak to a supervisor and I was told I would be called in the <em>next</em> 3 <em>business</em> <em>days</em>. On or about XX/XX/XXXX, another representative called and indicated that they could not locate the vehicle at the address that I provided. I indicated to them that they need to check the <em>security</em> cameras that would show they vehicle and the keys were left with the repo manager."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.122229,"8620586"]},{"_index":"complaint-public-v1","_id":"8620893","_score":13.10453,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On or about XX/XX/XXXX, I contacted Toyota Financial services after making 12 months of on-time payments to refinance the vehicle loan, as my credit score increased, and the 15.9 % interest rates was too high. They indicated that they did not refinancing. On XX/XX/XXXX, I attempted to trade in the vehicle, but they indicated the vehicle was only worth {$8000.00} due to the recalls for theft. I indicated that I owed XXXX on the vehicle. Rather than trade the car in, I opted to do a voluntary repossession. I dropped the vehicle off at XXXX XXXX XXXX, and called Toyota within the next hour to let them know that I voluntarily repossessed the vehicle due to the fact of the vehicle value and the amount of my loan balance. I was told I would be called within 3 days. I never received any additional bills, notices that payment was late or any other notifications about the account. On XX/XX/XXXX, I received a phone call from a Toyota representative that indicated the account was 60 days past due. I asked to speak to a supervisor and I was told I would be called in the next 3 business days. On or about XX/XX/XXXX, another representative called and indicated that they could not locate the vehicle at the address that I provided. I indicated to them that they need to check the security cameras that would show they vehicle and the keys were left with the repo manager.","date_sent_to_company":"2024-03-26T00:59:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77381","tags":null,"has_narrative":true,"complaint_id":"8620893","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"TOYOTA MOTOR CREDIT CORPORATION","date_received":"2024-03-26T00:39:09.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I asked to speak to a supervisor and I was told I would be called in the <em>next</em> 3 <em>business</em> <em>days</em>. On or about XX/XX/XXXX, another representative called and indicated that they could not locate the vehicle at the address that I provided. I indicated to them that they need to check the <em>security</em> cameras that would show they vehicle and the keys were left with the repo manager."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"company":["TOYOTA MOTOR <em>CREDIT</em> CORPORATION"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.10453,"8620893"]},{"_index":"complaint-public-v1","_id":"3459200","_score":13.011101,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"XX/XX/2019 - My Bluebird by American Express Account was hacked : Bluebird Card can be Picked up at XXXX Register Area and is a Prepaid Debit Card however transactions are Processed as Credit. Am Express entices people to get their Card as they Offer Get your Paycheck 2 Days early with Direct Deposit into the Card! \n\nOn XX/XX/2019 A Cyber thief changed my primary email and security questions and immediately transferred out {$2300.00} to a Person Named \" XXXX XXXX '' on the exact day my social security check went into account. \" I believe that an ATM or Gas Pump I used the Card at was Compromised with a Skimmer as Thief had my PIN Number according to American Express Security Department, but that is just a Guess. \n\nOn my Mobile App I was able to See the Email Address momentarily that Thief used, it was based out of XXXX thru a Company called XXXX & XXXX which I have never heard of? I learned about this as I attempted to Log into my Account to Check my Balance and was Shocked to Find out I was Locked out of the Account! \n\nBank said 10 business days for the money can be Restored to my Account, after they Confirm Account was Fraudulently Compromised. Bluebird Security Department said they need 10 Business Days to confirm fraud, complete investigation and return my XXXX, if they Decide that it was a Fraudulent Transfer. \n\nFirst- Primary Email Address on Account was Changed.\n\nSecond- Security Questions/Answers were changed.\n\nThird- Money Transfers out via Person to Person Transfer almost immediately.\n\nI have submitted a Police Report to the Below Police Department. \nXXXX XXXX Police Department - Officer XXXX took the Report. \nXXXX Report Case Number # XXXX Update : I'm 5 Days into the 10 Business Days that American Express stated they Need to Complete the Investigation. I'm XXXX and on Social Security with 1 Deposit Monthly. Very Strict Budget. My XXXX  Company is working with Me and have offered NOT to shut off XXXX  and extend my past Due Bill out over the Next 4 Months. XXXX Company, NOT so Nice, They extended me a 7 day grace period prior to Disconnecting my service. Monday XX/XX/2019 that extension Ends and I will be subject to Disconnect. American Express 10 Business days are up on Thursday XXXX XXXX, 2019. SO I may be without XXXX for 3 days if this does Not get Resolved. I'm a Single Father, Fully XXXX with a XXXX and XXXX year old XXXX  that live with me. I'm hoping Bluebird Reinstates the Money ( {$2300.00} ) back into My Account prior to Monday the XXXX so My XXXX Remains on. IF it Gets disconnected, I will experience a {$50.00} Re-connection Fee as well as be Subject to Additional Security Deposit to Restore Service. \nI'm filing this Report, Because I am Extremely Concerned, I read other Bluebird Account holders whom have had Very Similar Transfers out of their Accounts and Bluebird Denied their Claim for one Reason or another. I have done everything American Express has asked me to do or Provide to them to Complete their Investigation. If my Claim is Denied, I want to Have a Head Start by Filing this Incident with the CFPB.\n\nI will update my Report as soon as I hear back from My Bank with a Resolution.","date_sent_to_company":"2019-12-05T15:48:59.000Z","issue":"Problem with a purchase or transfer","sub_product":"General-purpose prepaid card","zip_code":"33991","tags":null,"has_narrative":true,"complaint_id":"3459200","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2019-12-05T14:39:06.000Z","state":"FL","company_public_response":null,"sub_issue":"Charged for a purchase or transfer you did not make with the card"},"highlight":{"complaint_what_happened":["XXXX Report Case Number # XXXX Update : I'm 5 <em>Days</em> into the 10 <em>Business</em> <em>Days</em> that American Express stated they Need to Complete the Investigation. I'm XXXX and on Social <em>Security</em> with 1 Deposit Monthly. Very Strict Budget. My XXXX  Company is working with Me and have offered NOT to shut off XXXX  and extend my past Due Bill out over the <em>Next</em> 4 Months. XXXX Company, NOT so Nice, They extended me a 7 day grace period prior to Disconnecting my service."],"product":["<em>Credit</em> card or prepaid card"]},"sort":[13.011101,"3459200"]},{"_index":"complaint-public-v1","_id":"8200541","_score":13.00912,"_source":{"product":"Credit card","complaint_what_happened":"The Fair resolution of this problem would be to issue a charge card or open-ended credit account XXXX  Credit Card with no preset limit for a Personal AND Business Credit Accounts to my address. Please look at attached documents for Address I, XXXX XXXX, recently received a notice of credit denial from American Express Regarding my application herein also Security, for a line of credit on XX/XX/year> and XXXX XXXX for Personal and Business Credit Card. Please take a look at the certified copies of the letter attached. I appreciate your prompt communication and the opportunity to correct the denial for my creditworthy Security application. My credit Security application, which was done in Good Faith while exercising my rights, was denied several times and a violation of my rights under the Consumer Credit Protection Act. Adverse action against a consumer who has made an Security application of credit in Good Faith, is against the law according to FCRA ( 603- 15 USC 1681a ( d ) consumer reports DO NOT include transactions and experiences between the consumers and persons making the report. Also in The Equal Credit Opportunity Act, which is codified in 15 USC 1691c, Deprivation of Rights in 18 USC 242 and is pursuant to civil liability under 15 USC 1692k.\n\nAmerican Express is in violation of 15 USC 1642 and 12 CFR 1002.7, ( ( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status, or any other prohibited basis, Prohibited Basis includes the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act ) because I, the consumer, made an application/Security in good faith, but credit was not issued. According to 15 USC 1602 ( f ) Credit is a right and not a privilege. I have evidence that I was discriminated against and Deprived of my rights by American Express due to the response I received. Please extend the credit line to No Preset Limit. \n\nUnfortunately I did warn American Express by notary Presentment that they only have 5 Business days, from the date the letter was received to extend the proper credit line amount mentioned above. If a written response is not received, then by law, I will proceed to the next steps and alert the proper authorities including the Consumer Financial Protection Bureau, the Federal Reserve Board, FDIC and the IRS/United States Treasury concerning Securities Fraud and other violations.\n\nAmerican Express did not respond to my letters, Although the Notary Public did not send the letters via certified mail, the letters were still witnessed by the Notary Public and mailed by USPS. XXXXAlso, I have a close friend who makes the same amount as me who recently filled out an application with American Express and they got a XXXX XXXX Approved and mailed to them within 5 business days. When the card was mailed American Express Bank included a letter that said that their credit score was zero. I have copies of that letter that was sent to that friend with important information blocked out so that they will not get their credit line cut off. This alone proves that I am being Discriminated against, I would like to have My No Preset Limit Charge Cards both Personal AND Business Credit Delivered to me within XXXX Business days. Thank you in advance for your time and consideration in this matter!","date_sent_to_company":"2024-01-23T03:18:08.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"77375","tags":"Servicemember","has_narrative":true,"complaint_id":"8200541","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-01-23T03:02:01.000Z","state":"TX","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["This alone proves that I am being Discriminated against, I would like to have My No Preset Limit Charge Cards both Personal AND <em>Business</em> <em>Credit</em> Delivered to me within XXXX <em>Business</em> <em>days</em>. Thank you in advance for your time and consideration in this matter!"],"product":["<em>Credit</em> card"],"issue":["Getting a <em>credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[13.00912,"8200541"]},{"_index":"complaint-public-v1","_id":"4811719","_score":12.979255,"_source":{"product":"Checking or savings account","complaint_what_happened":"Everything started off with a check that I received in the mail. I received an email telling me to expect one for the contract I signed up for months ago that offered me money for putting advertisement vinyls on my vehicle. They said the amount they were sending me would be for the cost of putting the vinyl on my car. I receive the the check, deposit it into my HSBC checking account via mobile deposit around the middle of XXXX. ( I dont have the exact date, youll see why later. ) 2 days go by and nothing has been deposited in my account. I go to log in through the mobile app and an error message pops up saying that my account was suspended. I called the next day to talk to customer service. The customer service team could not help me because the security team is only open from XXXX to XXXX. I call the next morning at XXXX XXXX  and speak to customer service again and they forward my call to the security team. The lady on the phone confirms the deposit I made and said that my account is under a 5 day review and that I do not have access to my account during this time. She mentioned that it was a fraudulent check. I signed up for an advertising company and had no clue that this was going to be a scam. After 5 business days, I call back and ask for an update. Customer service team forwards me to the security team again and a different lady tells me that my account has been recommended for closure. I did nothing, but as long as I get my money, I dont care. ( The money thats previously in there, not the deposited check. ) The lady that I spoke to said that as soon as the account was marked recommended for closure the closure team receives a notification and a check is immediately made out with the remaining balance of whats in the account. She said to wait until Wednesday to receive the check. Then, on Thursday ( due to COVID-19, I gave the USPS an extra day ) I called back asking if they sent my check out yet. I was forwarded to the security team once again and the lady told me that after the closure protocols take up to 30 days. It went from 5 days to check written immediately, to up to 30 days. I call in today ( XX/XX/2021 ) and ask to see if it had happened to be sent out yet ( 15 days into the review ) and they said no and that they are still completing their closure protocols. After asking how long that takes just to confirm I would get the same answer, the agent tells me she doesnt have a clue. I asked if she could give me estimate, a day? A year? She said not a year but couldnt narrow it down any more than that. When I started asking her more questions, she forwarded me to the agent that was handling my closure account process. All this did was let this member of their team tell me how irresponsible it was to deposit a check that I didnt know the funds were good for. Im sorry, but no one calls the bank to make sure EVERY check is good before depositing it. Every time I asked him a question he would continue to ridicule me about how reckless I was for depositing that check in which I said I have clearly learned my lesson and that I would just like my over {$2000.00} dollars in my account to be sent to me. He said it takes about 30 or more BUSINESS days. Again, no definite timeline, but with the added business element to the date. So from 5 days, to immediately, to 30 days, to I havent a clue, to 30 OR MORE business days. I just want the money that is owed to me. This is causing my bills to be late and will inevitability cause credit score issues. I just want my money. I dont care about this fraudulent check with this fraudulent advertising company. I just want HSBC to send me my money.","date_sent_to_company":"2021-10-15T07:17:03.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"46202","tags":null,"has_narrative":true,"complaint_id":"4811719","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HSBC NORTH AMERICA HOLDINGS INC.","date_received":"2021-10-15T02:43:10.000Z","state":"IN","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["He said it takes about 30 or more <em>BUSINESS</em> <em>days</em>. Again, no definite timeline, but with the added <em>business</em> element to the date. So from 5 <em>days</em>, to immediately, to 30 <em>days</em>, to I havent a clue, to 30 OR MORE <em>business</em> <em>days</em>. I just want the money that is owed to me. This is causing my bills to be late and will inevitability cause <em>credit</em> score issues. I just want my money. I dont care about this fraudulent check with this fraudulent advertising company. I just want HSBC to send me my money."]},"sort":[12.979255,"4811719"]},{"_index":"complaint-public-v1","_id":"7427165","_score":12.961987,"_source":{"product":"Checking or savings account","complaint_what_happened":"I deposited two IRS refund checks totaling {$28000.00}, into my checking account at a XXXX Navy Federal Credit Union branch on XX/XX/2023, and was told by the teller that the funds would be available within 2 business days. The statement at the bottom of my transaction receipt stated the following : Amount of {$28000.00} will be held from your total deposit and will be made available for withdrawal after 1 business days ( XX/XX/2023 ). On XX/XX/2023, I visited the NFCU branch in XXXX XXXX, TX to inquire about my deposit and was told by a nice XXXX  man that the deposit was placed on a security hold. He indicated that if customers ask about their deposits, tellers are directed to tell customers that they have no control over the hold and that funds will be able after 6 business days from the hold. Which he did and he informed me that the deposit would not be available until next XXXX. I find this practice highly deceptive as had the teller warned me that I might not have access to my money for more than a week, I would have deposited my money into one of my other bank or credit union accounts. NFCU really placed my family in a serious bind by holding my money. I had obligations to attend to and could not due to this. I should have been told this was a possibility and given the opportunity to decide if I wanted to continue with the deposit or not. At a minimum, once the security hold was placed, then at that point I should have been afforded a courtesy text, call, email to let me know that funds availability has changed due to the hold. As it is, there was no regard for me or my family financial situation or and concern for what critical circumstances I may have required my funds for. This is terribly inconvenient, inconsiderate and insensitive to the customer. I will be moving all of my money to another credit union or bank.","date_sent_to_company":"2023-08-19T19:18:06.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"76542","tags":"Servicemember","has_narrative":true,"complaint_id":"7427165","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2023-08-19T18:23:48.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I deposited two IRS refund checks totaling {$28000.00}, into my checking account at a XXXX Navy Federal <em>Credit</em> Union branch on XX/XX/2023, and was told by the teller that the funds would be available within 2 <em>business</em> <em>days</em>. The statement at the bottom of my transaction receipt stated the following : Amount of {$28000.00} will be held from your total deposit and will be made available for withdrawal after 1 <em>business</em> <em>days</em> ( XX/XX/2023 )."],"company":["NAVY FEDERAL <em>CREDIT</em> UNION"]},"sort":[12.961987,"7427165"]},{"_index":"complaint-public-v1","_id":"4064675","_score":12.773856,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"i contacted equifax credit bureau on numerous days XX/XX/2021, XX/XX/2021, and XX/XX/2021, they have my credit report locked with inaccurate information including removing a fraud alert from my account making it hard for lenders to issue credit lines to me. i have no issues with other bureau companies except these idiots. i have called numerous times and they have either lied about receiving my documents to allow me to get into my account and i'm fed up the next step is legal action because this is ridiculous. they have caused so much stress with this situation and now they're still requesting for personal identifications which i don't trust sending again because they have just received a security breach lawsuit against them. these people are not trustworthy credit bureau who needs to be out of business. they're lack of concern for consumers is ridiculous. it is a shame that i must submit a complaint against this company in order to have my account unlocked which they have also anonymous inaccurate security questions that don't pertain to me at all and now i'm unable to login to my account because of this.","date_sent_to_company":"2021-01-21T13:04:41.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"334XX","tags":null,"has_narrative":true,"complaint_id":"4064675","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-01-13T01:09:07.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["i contacted equifax <em>credit</em> bureau on numerous <em>days</em> XX/XX/2021, XX/XX/2021, and XX/XX/2021, they have my <em>credit</em> report locked with inaccurate information including removing a fraud alert from my account making it hard for lenders to issue <em>credit</em> lines to me. i have no issues with other bureau companies except these idiots. i have called numerous times and they have either lied about receiving my documents to allow me to get into my account and i'm fed up the <em>next</em> step is legal action because this"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with fraud alerts or <em>security</em> freezes"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.773856,"4064675"]},{"_index":"complaint-public-v1","_id":"2592286","_score":12.750541,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX or XXXX, 2017 I applied for a Target store card on their website. It was not approved right away but a message popped out that my application is under review and will receive a reply in the mail within 7 - 10 business days. On XXXX XXXX, 2017 I received a phone call from Target Financial Services asking me some personal information about myself like when my birthday is, my age, and my address. Then they informed me again that they will mail me their decision. I called the number back the next day and talked to XXXX. She told me that they approved the credit application but they need me to fax the front and back of my social security card, my driver 's license and a utility bill. I told her I am not comfortable with that. I keep going back and forth with Target asking them to cancel the card because I am not comfortable providing these documents that has all my personal information especially the social security card. They said that they can only cancel it as soon as I provide them with the documents. I want this published so the public will know.","date_sent_to_company":"2017-08-01T22:46:03.000Z","issue":"Identity theft protection or other monitoring services","sub_product":"Other personal consumer report","zip_code":"95135","tags":null,"has_narrative":true,"complaint_id":"2592286","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2017-08-01T22:26:37.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem with product or service terms changing"},"highlight":{"complaint_what_happened":["It was not approved right away but a message popped out that my application is under review and will receive a reply in the mail within 7 - 10 <em>business</em> <em>days</em>. On XXXX XXXX, 2017 I received a phone call from Target Financial Services asking me some personal information about myself like when my birthday is, my age, and my address. Then they informed me again that they will mail me their decision. I called the number back the <em>next</em> day and talked to XXXX."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"]},"sort":[12.750541,"2592286"]},{"_index":"complaint-public-v1","_id":"2910520","_score":12.656198,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"XXXX charged {$100.00} to a house account without my permission to active a XXXX XXXX account. I called and thought it was resolved with this email ; Hello XXXX, This is XXXX of XXXX Customer Service. It is a pleasure for allowing me to assist you today and for being a part of our XXXX XXXX. \n\nI've canceled your XXXX XXXX membership. You'll receive a refund of {$100.00} for the XXXX XXXX membership fee. Refunds typically process within 3-5 business days and appear as a credit on your statement. \n\nIf you need more assistance feel free to contact us, here 's a link to our Contact Us page : XXXX XXXX XXXX \n\nIf you can't access this page, our customer service phone numbers are as follows : - Calling from within the U.S. or XXXX : XXXX - International : XXXX. \n\nI hope this helps. \n\nEnjoy the rest of your day because you deserve all the best things in life. \n\nWe look forward to seeing you again soon. \n\nWe'd appreciate your feedback. Please use the buttons below to vote about your experience today. \n\nBest regards, XXXX XXXX XXXX It was not. A month later I received a statement from XXXXXXXX XXXX  for {$130.00}. \n\nI called again thought it was resolved with this email ; Hello XXXX, I've requested a refund of {$28.00} to your card for the overdraft fees. This refund should go through within 3-5 business days and will appear as a credit on your next billing statement. \n\nI've canceled your XXXX membership and requested an additional refund of {$100.00} for the membership fee. The refund should be processed within the next 3-5 business days and will appear as a credit on your next billing statement. \n\nI hope this helps! We look forward to seeing you again soon. \n\nWe'd appreciate your feedback. Please use the buttons below to vote about your experience today. \n\nBest regards, XXXX XXXX. \nXXXX I was told the account with XXXXXXXX XXXX was closed and the {$28.00} was being refunded. \n\nThen I get this today ; E-mail Security Zone : XXXX XXXX For your account ending : XXXX Dear XXXX XXXX : Your XXXX Store Card online statement is now ready for viewing. Login today to view your statement online. \n\nDue Date : XX/XX/2018 Minimum Payment Due : {$28.00} Statement Balance : {$28.00}","date_sent_to_company":"2018-05-18T07:41:44.000Z","issue":"Closing your account","sub_product":"Store credit card","zip_code":"63026","tags":null,"has_narrative":true,"complaint_id":"2910520","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2018-05-18T03:13:51.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["This refund should go through within 3-5 <em>business</em> <em>days</em> and will appear as a <em>credit</em> on your <em>next</em> billing statement. \n\nI've canceled your XXXX membership and requested an additional refund of {$100.00} for the membership fee. The refund should be processed within the <em>next</em> 3-5 <em>business</em> <em>days</em> and will appear as a <em>credit</em> on your <em>next</em> billing statement. \n\nI hope this helps! We look forward to seeing you again soon. \n\nWe'd appreciate your feedback."],"product":["<em>Credit</em> card or prepaid card"],"sub_product":["Store <em>credit</em> card"]},"sort":[12.656198,"2910520"]},{"_index":"complaint-public-v1","_id":"6645247","_score":12.651943,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax mishandled the resolution of my credit report. My credit report is being based off of someone elses social security number, and they resolved my other disputes on my report before resolving the SS number. My report has my full name, my DOB and my address, but it uses my brothers SS number. I sent them a copy of my SS card through their online dispute portal on XX/XX/2023. It still says on XX/XX/2023 that they have not begun investigation of that issue. I also mailed a copy of my drivers license, my SS card and a cover letter to them on XX/XX/2023. They claim that they still have not received the documentation. I lost my car to an accident in XXXX, and I am still without a car because of this egregious mistake by Equifax. I am expecting a complete and correct resolution within the next 10 business days to avoid pursuing legal action.","date_sent_to_company":"2023-03-03T11:14:16.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29301","tags":null,"has_narrative":true,"complaint_id":"6645247","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-03-03T10:50:41.000Z","state":"SC","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I am expecting a complete and correct resolution within the <em>next</em> 10 <em>business</em> <em>days</em> to avoid pursuing legal action."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Investigation took more than 30 <em>days</em>"]},"sort":[12.651943,"6645247"]},{"_index":"complaint-public-v1","_id":"14003069","_score":12.584101,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This complaint supplements CFPB Case # XXXX My XXXX XXXX XXXX is reported 60 days late for XX/XX/year>. XX/XX/year> is marked paid on time, so a 60-day delinquency the very next month is implausible. \n\nAttached evidence via PDF. \nGovernment-issued photo ID Social Security card ( full SSN ) Current utility bill ( verifies address ) Screenshot of the disputed report entry Prior verification-request letter/email Formal request under FCRA 611 ( a ) ( 7 ) Method of Verification ( MOV ) Procedure used to verify the late payment ( e.g., ACDV, manual review ). \n\nName, business address, phone number, and response date/time of each furnisher contacted. \n\nCopies of any records that substantiate the delinquency ( billing ledger, payment screen print, etc. ). \n\nIf verifiable proof is not provided within 15 days, delete or correct the entry to Paid / Never Late and issue an updated credit report. \n\nThank you for your prompt attention.","date_sent_to_company":"2025-06-10T12:04:34.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32311","tags":null,"has_narrative":true,"complaint_id":"14003069","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-10T10:52:57.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["If verifiable proof is not provided within 15 <em>days</em>, delete or correct the entry to Paid / Never Late and issue an updated <em>credit</em> report. \n\nThank you for your prompt attention."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> 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