{"took":210,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":2683,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"9624821","_score":16.009054,"_source":{"product":"Credit card","complaint_what_happened":"Walmart/CAPITAL One, account number # XXXX I sent a letter on XXXX XXXX requesting arbitration but the company never responded to certified return receipt letter to the legal department. So, I called to see if they received my letter but was ignored and sent around to several departments. They said they could not locate my letter. I disputed security fraud.see certified return receipt # XXXX XXXX XXXX XXXX XXXX letter attached. \n\nXXXX XXXX","date_sent_to_company":"2024-07-30T20:34:18.000Z","issue":"Other features, terms, or problems","sub_product":"Store credit card","zip_code":"403XX","tags":"Servicemember","has_narrative":true,"complaint_id":"9624821","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-07-26T00:16:34.000Z","state":"KY","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["Walmart/CAPITAL One, account number # XXXX I sent a letter on XXXX XXXX <em>requesting</em> arbitration but the company never responded to certified return receipt letter to the legal <em>department</em>. So, I called to see if they received my letter but was <em>ignored</em> and sent around to several <em>departments</em>. They said they could not locate my letter. I disputed <em>security</em> fraud.see certified return receipt # XXXX XXXX XXXX XXXX XXXX letter attached. \n\nXXXX XXXX"]},"sort":[16.009054,"9624821"]},{"_index":"complaint-public-v1","_id":"17081070","_score":14.80248,"_source":{"product":"Checking or savings account","complaint_what_happened":"In late XX/XX/year>, I was the victim of a loan fraud scheme. Scammers caused provisional credits to be applied to my old PNC account, which I unknowingly used. \n\nPNC Bank reversed the provisional credits and applied my XX/XX/year>, Social Security benefits to cover a negative balance, even though these were federal benefits protected under U.S. law. \n\nI reported the fraud to PNCs fraud department on XX/XX/year>, and have contacted the Executive Client Relations department to request the return of my benefits. Despite multiple emails, calls, and formal requests, PNC has not returned my funds and refuses to acknowledge the federal protections on Social Security benefits. \n\nThis mishandling has caused severe financial hardship : inability to pay rent, utilities, medications, or purchase food. The banks actions have created additional XXXX  and hardship, and my requests for explanation or resolution have been ignored. \n\nKey dates and actions : XX/XX/year> : Fraud reported to PNC XX/XX/year> : Provisional credits applied and used XX/XX/year> : Social Security benefits deposited, later withheld XX/XX/year> : XXXX XXXX applied to negative balance XX/XX/XXXX, XXXX, XXXX XXXX  : Executive Client Relations contacted, no resolution I request that PNC return my withheld Social Security benefits and fully investigate the mishandling of my account.","date_sent_to_company":"2025-11-06T09:17:29.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"633XX","tags":null,"has_narrative":true,"complaint_id":"17081070","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2025-11-06T08:36:46.000Z","state":"MO","company_public_response":null,"sub_issue":"Money was taken from your account on the wrong day or for the wrong amount"},"highlight":{"complaint_what_happened":["PNC Bank reversed the provisional credits and applied my XX/XX/year>, Social <em>Security</em> benefits to cover a negative balance, even though these were federal benefits protected under U.S. law. \n\nI reported the fraud to PNCs fraud <em>department</em> on XX/XX/year>, and have contacted the Executive Client Relations <em>department</em> to <em>request</em> the return of my benefits."]},"sort":[14.80248,"17081070"]},{"_index":"complaint-public-v1","_id":"5720481","_score":14.021388,"_source":{"product":"Checking or savings account","complaint_what_happened":"For over a year now Ive been asking the Truist Financial Corporation why the bank is not using Two Factor Authentication ( 2FA, ) for access their Web Online services. After repeated inquiries for an answer the Banks IT security department has ignored my requests. My hope was that this security feature would have been implemented as part of the merger with BB & T in XXXX however it was not!! I don't believe Truist taking its customers online security seriously and would like the bank to step up and enact the 2FA for Web Online Access to their services. Left frustrated with the Banks lack of concern for its Web Online customers Im requesting the Federal Financial Institutions Examination Council ( FFIEC ) investigate the Truist Financial Corporations Online Authentication and Access Risk Management policies. If the management of all the banks security policies ( especially Web Access ) are found to be inadequate, I would like to see the Consumer Financial Protection Bureau ( CFPB ) take immediately action to have Bank address them in a timely manner Thank you for your consideration","date_sent_to_company":"2022-06-28T15:40:30.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"27284","tags":"Older American","has_narrative":true,"complaint_id":"5720481","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2022-06-28T15:28:29.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["After repeated inquiries for an answer the Banks IT <em>security</em> <em>department</em> has <em>ignored</em> my <em>requests</em>. My hope was that this <em>security</em> feature would have been implemented as part of the merger with BB & T in XXXX however it was not!! I don't believe Truist taking its customers online <em>security</em> seriously and would like the bank to step up and enact the 2FA for Web Online Access to their services."]},"sort":[14.021388,"5720481"]},{"_index":"complaint-public-v1","_id":"21992232","_score":13.9369335,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Request for intervention regarding bank negligence and failure to provide military consumer protection.\n\nI am filing this complaint to request the intervention of this federal agency due to Capital Ones negligence. The banks fraud department prematurely closed a forgery investigation, completely ignoring an official police report from Texas classified as XXXX XXXX XXXX. \nAs an XXXX XXXX XXXX XXXX, this negligence is causing severe distress and potentially jeopardizing my military standing and security clearance. Despite the fact that the contract in question is the product of a criminal act of forgeryand therefore void by lawthe bank decided to validate the debt based on an internal narrative that ignores the criminal evidence provided.\n\nWhile the case has been escalated to the banks executive level, the institution continues to fail in recognizing the severity of the fraud or applying the appropriate legal protections I am entitled to as a service member. I am requesting the CFPBs collaboration to ensure a fair and thorough investigation and to stop the negative impact this negligence is causing. The bank is validating a criminal transaction to avoid its responsibility, failing in its duty to protect those who serve.","date_sent_to_company":"2026-05-07T21:18:19.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"76544","tags":"Servicemember","has_narrative":true,"complaint_id":"21992232","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-05-07T21:00:05.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem with signing the paperwork"},"highlight":{"complaint_what_happened":["<em>Request</em> for intervention regarding bank negligence and failure to provide military consumer protection.\n\nI am filing this complaint to <em>request</em> the intervention of this federal agency due to Capital Ones negligence. The banks fraud <em>department</em> prematurely closed a forgery investigation, completely <em>ignoring</em> an official police report from Texas classified as XXXX XXXX XXXX."]},"sort":[13.9369335,"21992232"]},{"_index":"complaint-public-v1","_id":"10453559","_score":13.843124,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Hello, I sent an email about my vehicle being unlawfully repo 'd upon returning home. I lawfully removed your security interest rights and your right to repo. I know you have a cusip number and I am a XXXX XXXX according to your prospectus. My securties went ignored and since they were not returned the account was then supposed to be corrected and updated. I am requesting a full copy of the contract as soon as possible. I offered a possible international bill of exchange to settle the account and that went unanswered also. This is a notice of taking this to arbitration and/or a civil lawsuit. Since everyone seems to ignore what I'm emailing, we will be contacting your legal department to escalate this the courts. The SEC, CFPB, and the IRS has been notified. I have the right as a XXXX XXXX and the bonafied purchaser to correct any misunderstanding at anytime. I gave the dealership a note and the car was my gift. The audit shows you have been selling the original security on the market and I'm due the monthly interest from that account. Please email me a contact to speak with about the matter. Thanks for updating my account ahead of time, as i know you guys will make this right. \nSincerely, Holder in due course","date_sent_to_company":"2024-10-14T08:30:09.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"77057","tags":null,"has_narrative":true,"complaint_id":"10453559","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"General Motors Financial Company, Inc.","date_received":"2024-10-14T07:58:05.000Z","state":"TX","company_public_response":null,"sub_issue":"Loan balance remaining after the vehicle is repossessed and sold"},"highlight":{"complaint_what_happened":["I lawfully removed your <em>security</em> interest rights and your right to repo. I know you have a cusip number and I am a XXXX XXXX according to your prospectus. My securties went <em>ignored</em> and since they were not returned the account was then supposed to be corrected and updated. I am <em>requesting</em> a full copy of the contract as soon as possible. I offered a possible international bill of exchange to settle the account and that went unanswered also."]},"sort":[13.843124,"10453559"]},{"_index":"complaint-public-v1","_id":"9160094","_score":13.818212,"_source":{"product":"Credit card","complaint_what_happened":"I applied with full faith and credit and clean hands on XXXX XXXX for a visa Platinum Credit card ref : XXXX after giving valuable consideration, A fair exchange was not executed on behalf of AMERICAN EXPRESS CO XXXX AXP ) ( CIK XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX I pursued several attempts to remedy the situation including the retraction of my original application which was denied by XXXX XXXX XXXX and American Express my request went completely ignored any correspondence sent out to their investor relations department and chairman after a notice to cure was received by their office. The fraud being committed against my credit card ( 15 USC 1602 ( I ) and security interest is a direct violation of the securities exchange act and the indenture trustee act American Express agreed to.","date_sent_to_company":"2024-06-03T21:50:30.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"76006","tags":null,"has_narrative":true,"complaint_id":"9160094","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-06-03T20:58:23.000Z","state":"TX","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["to their investor relations <em>department</em> and chairman after a notice to cure was received by their office."]},"sort":[13.818212,"9160094"]},{"_index":"complaint-public-v1","_id":"2632159","_score":13.7691,"_source":{"product":"Student loan","complaint_what_happened":"American Student Assistance ( ASA ) and the U.S. Department of Education have been attempting to collect on an alleged federal student loan in the amount of {$5500.00} ( XXXX ) with no valid promissory note. The law explicitly requires that any electronically signed notes are not acceptable unless there is proof that an electronic signature was affirmatively authorized. I have been attempting to obtain a valid note for years with no resolution. I have now written more than 20 letters since XXXX regarding the alleged loan requesting a copy of an actual signed promissory note or proof that I affirmatively authorized an electronic signature, but they have not been able to produce either. All they can provide is a note with the typed words Electronic Signature on File. No note - no debt. They are ignoring my repeated requests and have filed a garnishment with the Social Security office and funds are being deducted from my monthly Social Security check. They attempted to garnish an income tax refund, but it was denied. The alleged debt is invalid with no promissory note or proof that I affirmatively authorized an electronic signature. Also, the alleged debt has now grown considerably with interest over the years as ASA and the U.S. Department of Education are stalling and can not produce a valid note. Another rather suspicious problem is that the loan holders and loan numbers have continuously changed over the years making it very difficult to follow any accounting of the alleged loan. There is also an alleged loan with the Florida Department of Education for which they can not produce a valid note either. It would seem likely that this issue may have potential as a class-action lawsuit. I am probably not the only person dealing with invalid promissory notes from ASA and the U.S. Department of Education.","date_sent_to_company":"2017-08-14T18:10:19.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"33406","tags":"Older American","has_narrative":true,"complaint_id":"2632159","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"American Student Assistance","date_received":"2017-08-14T18:00:06.000Z","state":"FL","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["They are <em>ignoring</em> my repeated <em>requests</em> and have filed a garnishment with the Social <em>Security</em> office and funds are being deducted from my monthly Social <em>Security</em> check. They attempted to garnish an income tax refund, but it was denied. The alleged debt is invalid with no promissory note or proof that I affirmatively authorized an electronic signature. Also, the alleged debt has now grown considerably with interest over the years as ASA and the U.S."]},"sort":[13.7691,"2632159"]},{"_index":"complaint-public-v1","_id":"6625461","_score":13.2488785,"_source":{"product":"Checking or savings account","complaint_what_happened":"I received several emails from PenFed exhorting me to join their credit union ( I was a member when I was stationed in XXXX, XXXX and XXXX, XXXX ). \n\nThey sent me a request for color copies of ( quote ) : 1. Social Security Card, current tax year W-2, or signed current year tax return showing SSN.\n\n2. Current, non-expired U.S. Government-issued ID, such as driver 's license or passport.\n\n3. Driver 's license, utility bill dated within the past 30 days, or current vehicle registration.\n\nI uploaded color copies of my Social Security Card, XXXX XXXX XXXX retired ID card, and my Virginia driver 's license. \n\nThey rejected me out of hand for not having a government-issued ID card. The United States XXXX XXXX has been a US government entity since XXXX XXXX  XXXX, and I served in that department for 20 years. \n\nEither they mistated their needs or chose to ignore","date_sent_to_company":"2023-03-07T15:04:06.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"23233","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"6625461","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"PENTAGON FEDERAL CREDIT UNION","date_received":"2023-02-27T20:15:41.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["The United States XXXX XXXX has been a US government entity since XXXX XXXX  XXXX, and I served in that <em>department</em> for 20 years. \n\nEither they mistated their needs or chose to <em>ignore</em>"]},"sort":[13.2488785,"6625461"]},{"_index":"complaint-public-v1","_id":"10805082","_score":13.190154,"_source":{"product":"Checking or savings account","complaint_what_happened":"I attempted to schedule a wire transfer through the online banking portal in the amount of {$73000.00}. I received a voicemail from an XXXX to call back to verify any information, i disregarded the voicemail. I ended up calling Chase bank through my 800 # on the back of my debit card. I was transferred to the money movedement department to answer some questions to authorize the wire transfer. I provided the answers backed to the rep and they said my transfer would go out tomorrow. The following day XX/XX/year> around XXXX, i spoke to another rep from XXXX XXXX verified my identity and was asked to answer more questions. I responded to the rep and was told the 2nd review would review and my wire would go out the following day and that if i have any issues, i can call XXXX department back to assist with setting up another hour. An hour later, i saw that my wire transfer request was rejected. I called back, had to through a more extensive identity verificaiton process, thereafter for the rep to tell me they could not assist me in setting up a wire transfer. I requested escalation and asked to file a complaint internally which was ignore as the first rep and escalacation supervisor ignored my request. I expressed my frustration and articulated my answers from the security questions and was informed by the escalation rep that response was not documented correctly. I was asked to go through the online banking portal to re-initiate a wire transfer and that they have documented my responses and that the wire would go out tomorrow XX/XX/year>. This morning, i received an email from Chase that that wire transfer was rejected.","date_sent_to_company":"2024-11-15T04:59:04.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"10805082","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-11-15T04:39:37.000Z","state":"CA","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["I <em>requested</em> escalation and asked to file a complaint internally which was <em>ignore</em> as the first rep and escalacation supervisor <em>ignored</em> my <em>request</em>. I expressed my frustration and articulated my answers from the <em>security</em> questions and was informed by the escalation rep that response was not documented correctly. I was asked to go through the online banking portal to re-initiate a wire transfer and that they have documented my responses and that the wire would go out tomorrow XX/XX/year>."]},"sort":[13.190154,"10805082"]},{"_index":"complaint-public-v1","_id":"17353509","_score":13.188548,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing a complaint regarding inaccurate reporting, improper collection activity, and failure to validate alleged debts. \n\nThis is an official notice that multiple Respondents ( Credit Bureaus, XXXX, and any related debt collectors ) have received or will receive formal documents by certified mail, including : Notice of Liability Notice of Default Affidavit of Truth Administrative Record Package ( Remittance Coupons, Fraud Notice, Informative Notice, request for 1099-C issuance, FTC Identity Theft Report, Police Report, and all prior dispute communications ) UCC-1 and UCC-11 filings already recorded Confirmation from the U.S. Department of Treasury regarding the status of securities Trust and Executor/Beneficiary notifications previously served and ignored I am not uploading my trust or UCC-related documents for privacy and security reasons. I am confirming they exist, were properly recorded, and form part of the administrative record. \n\nThe Respondents have ignored every lawful request for validation, failed to provide a contract, verified accounting, purchase agreement, or wet-ink signature, and continued to report or collect on accounts without lawful verification. \n\n\n-- - Damages Claimed Due to willful noncompliance, negligence, emotional distress, and continued publication of false information, I am claiming the following damages : FCRA Violations {$1000.00} per violation FDCPA Violations {$1000.00} per violation Defamation / False Credit Reporting {$25000.00} Emotional Distress and Hardship {$10000.00} Punitive Damages for Willful Misconduct {$50000.00} Total Damages Claimed : {$86000.00} and increasing daily until the matter is corrected.","date_sent_to_company":"2025-11-20T03:19:26.000Z","issue":"Electronic communications","sub_product":"Other debt","zip_code":"30047","tags":null,"has_narrative":true,"complaint_id":"17353509","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Live Oak Financial, Inc","date_received":"2025-11-20T03:11:30.000Z","state":"GA","company_public_response":null,"sub_issue":"You told them to stop contacting you, but they keep trying"},"highlight":{"complaint_what_happened":["<em>Department</em> of Treasury regarding the status of <em>securities</em> Trust and Executor/Beneficiary notifications previously served and <em>ignored</em> I am not uploading my trust or UCC-related documents for privacy and <em>security</em> reasons. I am confirming they exist, were properly recorded, and form part of the administrative record."]},"sort":[13.188548,"17353509"]},{"_index":"complaint-public-v1","_id":"8285946","_score":13.041482,"_source":{"product":"Credit card","complaint_what_happened":"I was given an offer to open a Securities Account/Card Member with American Express by providing a Financial Asset/Application for securing Deposit into my open-ended account. I made application 7 times and was denied access to my credits/cards every time. Not only is illegal for American Express to discriminate against me at any time during this process, but it is also illegal to deny me access to my Securities and Credits. I gave American Express 6 securities that the company sells for financial gain and benefits from for years and when I contacted the Company and its various Departments/Partners they have agreements with, I was not provided with help or direction in anyway. I also requested reconsideration on my applications and was denied. I demanded access to my credits and was denied. When i put the company on notice of its violations I was ignored. When I sent notice of Default I was ignored. All in all, I included at least 15 Executives and attempted to resolve the issue 5 times. The Prospectus, and Form XXXX and other SEC filings for American Express Company/American Express Credit Corporation/American Express Credit Account Master Trust/American Express Receivables Financing Corporation/American Express Travel Related Services Company Inc/American Express National Bank/ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX clearly shows they accepted my applications as Receivables and securitized them and sold them. It also shows that my applications were used to secure Deposit into my account. I notified the Company that I was retracting me applications and revoking the security interest I gave them, and I got a letter saying ''Unfortunately we aren't able to retract your applications ''. Thats because they've sold them, although their prospectus says they a specific agreement with the Securities Exchange Commission, used them to secure the deposit of my credits that they are denying me access too. So, we have Discrimination, Theft of Securities, Securities Fraud, Knowingly and Intentionally misleading, Failure to Act, Breach of Fiduciary Duties, as well as numerous other Violations.","date_sent_to_company":"2024-02-05T21:08:38.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"77546","tags":null,"has_narrative":true,"complaint_id":"8285946","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-02-05T19:34:33.000Z","state":"TX","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["I gave American Express 6 <em>securities</em> that the company sells for financial gain and benefits from for years and when I contacted the Company and its various <em>Departments</em>/Partners they have agreements with, I was not provided with help or direction in anyway. I also <em>requested</em> reconsideration on my applications and was denied. I demanded access to my credits and was denied. When i put the company on notice of its violations I was <em>ignored</em>. When I sent notice of Default I was <em>ignored</em>."]},"sort":[13.041482,"8285946"]},{"_index":"complaint-public-v1","_id":"3747303","_score":12.9233885,"_source":{"product":"Debt collection","complaint_what_happened":"The XXXX  Collection department through AAFEES initiated a social security payroll intercept years ago to pay an outstanding credit card debt that I owed. After several years I noticed that the full amount that was being taken out of my social security payment was not being fully applied to my outstanding debt with the Army Airforce Exchange Collections Department. I then sent emails to their collection department asking for an explaination. They indicated that they sent my debt to some other collection company knows as XXXX, XXXX also was not applying the full amount received and to charge the most amount of interest they would split the money they received as if they had received 2 payments staggered within the month as opposed to getting one payment as it is issued through the treasury department which I indicated was unethical and illegal. Upon notifying the XXXX  collection department there representatives indicated they had taken over the account from XXXX again. However I asked for a full accounting of all monies received and payments that were applied to ensure they were accurately applying the money they received to the repayment of the outstanding debt for I suspected that fraud was occuring since even the XXXX  collection agency were not applying the full amount of the money they received from the Treasury department {$180.00} each month, also there were discrepancies on their accounting statements some months they applied {$160.00}, other months it was {$170.00} there just didn't seem to be a consistent amount and yet the money they received was always the same. I sent via email requests to the collections department, and even the fraud unit and though I had an email tracking software that notifies me when an email has been opened they never responded, never provided me with a full accounting of money received and payments that were applied to my account. Several months ago I noticed that they were no longer intercepting my social security XXXXXXXX check and thought they decided in order to not be found to be committing fraud by false accounting of monies received, they decided to drop the issue all-together. However recently I have been receiving statements indicating that I have an outstanding debt from them and they are charging me monthly interest which I thought was slick because I'm certain after it gets to a certain amount they can again begin to re-intercept my social security payment without accounting for the money they've already received. I am convinced this collections department is committing fraud and unethical collection practices ( by charging fees in addition to interest ), not applying full amounts of money received to outstanding debt accounts. I have requested on 3 seperate occassions that they provide a full income disclosure statement to me all of which have been ignored with the exception of one occassion I received a partial statement which clearly showed inconsistencies and discrepancies within the statement. \n\nMy account number is : XXXX my balance as of XXXX 's statement was : {$4900.00} My name is XXXX XXXX XXXX, address is XXXX. XXXX XXXX, XXXX, Ca XXXX. My phone number is : XXXX. \n\nThe email I have sent requests for disclosure information to is : XXXX and their fraud department : XXXX all of which have gone unanswered with no response at all although I know from my email tracking software that they have opened my email 's on numerous occassions. I am asking that your organization investigate this issue. They have not applied all monies received from Social Security accurately in the repayment of this debt, they have illegally charged fee 's or not applied the full amount of money received and are unwilling to provide me with an accounting in order to hide their tracks and although they are no longer intercepting money from my social security   XXXX payment they are still charging me monthly interest. I am contending that either the amount owed is inaccurate or that they mis-applied money received to manipulate interest rates charged so that the maximum amount they could assess was applied to this account unethically and inaccurately all of which constitutes FRAUD. Your assistance in this matter would be greatly appreciated. If they do not comply with my request for a full disclouse of all monies received, payments applied, interest charged etc I want this debt to be dissolved or I will seek legal counsel to investigate whether a lawsuit is in order. This collection department is as crooked as a {$3.00} bill.","date_sent_to_company":"2020-07-27T14:31:18.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"3747303","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Army and Air Force Exchange Service","date_received":"2020-07-15T19:23:43.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["The XXXX  Collection <em>department</em> through AAFEES initiated a social <em>security</em> payroll intercept years ago to pay an outstanding credit card debt that I owed. After several years I noticed that the full amount that was being taken out of my social <em>security</em> payment was not being fully applied to my outstanding debt with the Army Airforce Exchange Collections <em>Department</em>. I then sent emails to their collection <em>department</em> asking for an explaination."]},"sort":[12.9233885,"3747303"]},{"_index":"complaint-public-v1","_id":"14600829","_score":12.848101,"_source":{"product":"Mortgage","complaint_what_happened":"This year I transitioned from employment to retirement with Social Security. \n\nNavy Federal has made mortgage assistance a complete hardship for Veterans. \n\nI applied for mortgage assistance for my home equity loan XX/XX/year>. \n\nDocuments requested were sent numerous times via secure message within the account, XXXX file upload, and email to Loss Mitigation department. \n\nNever received communication for document delivery, but application was closed without notice. \n\nApplication and all forms required for assistance were sent multiple times for 1st request.\n\nCompany ignored documents and closed the application without a decision or any assistance.\n\nCompany falsely accused me of \" refusing '' to send documents even after numerous attempts had been completed.\n\nCompany told me to reapply in secure message with no further reasoning in communication.\n\nI reapplied for mortgage assistance for my home equity loan XX/XX/year>. \n\nApplication and all forms required for assistance were sent multiple times for 2nd request.","date_sent_to_company":"2025-07-11T12:23:25.000Z","issue":"Struggling to pay mortgage","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"37334","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"14600829","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-07-11T11:54:09.000Z","state":"TN","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu"},"highlight":{"complaint_what_happened":["This year I transitioned from employment to retirement with Social <em>Security</em>. \n\nNavy Federal has made mortgage assistance a complete hardship for Veterans. \n\nI applied for mortgage assistance for my home equity loan XX/XX/year>. \n\nDocuments <em>requested</em> were sent numerous times via secure message within the account, XXXX file upload, and email to Loss Mitigation <em>department</em>. \n\nNever received communication for document delivery, but application was closed without notice."]},"sort":[12.848101,"14600829"]},{"_index":"complaint-public-v1","_id":"3142408","_score":12.823387,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I contacted Equifax Customer Care ( XXXX ) to inquire about letters coming from Equifax Information Systems LLC, XXXX XXXX XXXX  XXXX, XXXX, GA XXXX. One letter references my request to add security freezes to the credit files for my children ; I have no children. Another letter references my request for a security freeze on my credit file ; I have had a freeze in place for almost a decade. Another letter references the results of a dispute of an item on my credit file ; I have made no such dispute. Equifax Customer Care informs me that there is no such subsidiary of Equifax named Equifax Information Systems LLC and the address listed is not one of their addresses. Additionally, they said I should ignore the letters. It appears that someone is attempting to pose as part of Equifax in an attempt to obtain Personally Identifiable Information from people. Given the history of Equifax to fail to protect consumer data and what appears to be an attempt to use the XXXX XXXX XXXX XXXX to obtain information fraudulently, Equifax security issues may still be very exist.. This is highly likely since they replaced freeze.equifax.com with my.equifax.com and shut down user access to the site. Since Equifax Customer Care has indicated the sender is not valid, I plan to send copies of the letter to Equifax Fraud Department. Since the XXXX is being used to solicit the information, I plan to send copies of the letters to the XXXX XXXX XXXX XXXX.","date_sent_to_company":"2019-02-04T22:15:20.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77077","tags":"Older American","has_narrative":true,"complaint_id":"3142408","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-02-04T21:31:13.000Z","state":"TX","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["One letter references my <em>request</em> to add <em>security</em> freezes to the credit files for my children ; I have no children. Another letter references my <em>request</em> for a <em>security</em> freeze on my credit file ; I have had a freeze in place for almost a decade. Another letter references the results of a dispute of an item on my credit file ; I have made no such dispute."]},"sort":[12.823387,"3142408"]},{"_index":"complaint-public-v1","_id":"10560278","_score":12.640263,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I am writing to bring to your attention a serious matter regarding my personal loan application with Navy Federal Credit Union. On XX/XX/year>, I applied for a personal loan in the amount of XXXX and was denied. Since then, I have faced numerous challenges in trying to resolve this issue with their lending department. Please see my timeline of events below. \n\nAfter being denied I reached out to the lending department via message through my banking portal and wrote. \n\nAccording to Title 15 subsection 1611 this is false and misleading denial of my own credit.\n\nI need a listing of all of the factors that were involved in this consumer transaction I wanted to access a portion of my unlimited credit.\n\nThe department stood on the denial and refused to give me a listing of the factors involved in this consumer transaction.\n\nIn response to the lending department 's refusal to uphold my rights I wrote the following.\n\nRegardless of the reason for being denied, I have the right to credit. Withholding my access to my securities is securities fraud. You are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act. Since you are denying me, my credit please retract my application. Thank you It was signed XXXX, XXXX XXXX, attorney in fact for XXXX XXXX Again, the lending department responded with a denial completely disregarding my rights as a legal woman. The lending department refused to give me a list of factors involved in the consumer transaction, and they refused to retract my application. I was told that this would be their last time addressing this matter and it was. \n\nI then inquired whether the bank had collateralized my application. For the third time, my legitimate legal requests were disregarded. \n\nI subsequently spoke with XXXX, the supervisor of consumer loans, who assured me that he would elevate my grievance to the appropriate parties within the consumer lending department. Despite this assurance, I have yet to receive a response. \n\nOn Monday XX/XX/year>, I sent an email to both XXXX XXXX XXXX XXXX 's XXXX at XXXX and XXXX XXXX Chief Lending Officer at XXXX. The email stated all that I'm writing here, and it also stated that I kindly asked that this matter be resolved to my satisfaction in a timely manner. Should this not be the case, I may be compelled to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) and other consumer advocacy organizations, as well as pursue legal remedy if necessary.\n\nI am deeply concerned that the institution may have committed securities fraud in the handling of my application. \nUpon learning of these potential violations and concerns, I requested that Navy Federal Credit Union either furnish loan of XXXX or retract my loan application and clear the inquiry from my consumer report, as is my right under the Equal Credit Opportunity Act. However, this request has been ignored, and the lending department has continued to deny my application without addressing my concerns or legal rights. \n\nI have attempted to seek resolution through the appropriate channels within Navy Federal Credit Union, but I have been met with unresponsiveness and a lack of cooperation. Consequently, I am now bringing this matter directly to your here. \n\nI respectfully request a comprehensive examination into the management of my personal loan application/security collateral. I further expect transparent and open communication from your institution regarding the factors involved in this consumer transaction. In addition, I urge Navy Federal Credit Union to remedy any breaches of the Equal Credit Opportunity Act, Consumer Credit Protection Act, or other pertinent regulatory frameworks. I appreciate your attention to this matter and trust that you will take appropriate action to address these concerns.","date_sent_to_company":"2024-10-24T22:10:38.000Z","issue":"Getting a line of credit","sub_product":"Personal line of credit","zip_code":"90274","tags":null,"has_narrative":true,"complaint_id":"10560278","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-10-24T21:25:21.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["However, this <em>request</em> has been <em>ignored</em>, and the lending <em>department</em> has continued to deny my application without addressing my concerns or legal rights. \n\nI have attempted to seek resolution through the appropriate channels within Navy Federal Credit Union, but I have been met with unresponsiveness and a lack of cooperation. Consequently, I am now bringing this matter directly to your here."]},"sort":[12.640263,"10560278"]},{"_index":"complaint-public-v1","_id":"12143276","_score":12.607045,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/2025, I discovered that unauthorized transactions had taken place on my Coinbase account, resulting in a total loss of {$89000.00} in cryptocurrency. I immediately contacted Coinbase support to report the incident and requested an investigation. \nDuring my initial conversation with Coinbase support, I was informed that a suspicious IP address had accessed my account, which I had no knowledge of or control over. The support agent escalated my case to their EN/RD Safety department due to the high amount involved ( over {$75000.00} ). Given this escalation, I was led to believe that my case was being reviewed seriously. \nAfter waiting for over a week, I received a generic denial from Coinbase, stating that I was not eligible for reimbursement. However, they failed to provide any explanation or investigation details regarding the unauthorized access. When I requested further informationsuch as the IP logs, timestamps, and device details associated with the unauthorized transactionsI was given no transparency about their decision. \nWhy This is a Serious Issue : Coinbase identified suspicious activity but still denied my claim without explanation. \nCoinbases security systems failed to prevent the unauthorized access, despite my account having two-factor authentication ( 2FA ) enabled. \nI have no control over how Coinbases security systems authenticate logins, yet they are holding me liable for the breach. \nCoinbase refused to disclose the specifics of their investigation, making it impossible for me to verify or challenge their decision. \nAttempts to Resolve the Issue : 1. I contacted Coinbase support multiple times and was escalated to their security department, only to receive a vague denial.\n\n2. I requested login and transaction logs, but Coinbase has refused to provide them.\n\n3. I requested an appeal or supervisor review, which was ignored.\n\nRequested Resolution : I am requesting that Coinbase provide a legitimate explanation for their denial and either : 1. Reimburse me for the unauthorized transactions, or 2. Provide clear evidence that my credentials were compromised outside of Coinbases control, instead of hiding behind a vague rejection.\n\nGiven the large sum involved, I believe Coinbase is unfairly denying responsibility and failing to uphold proper consumer protections. If this issue is not addressed, I will be pursuing additional legal actions and reporting this to relevant regulatory bodies.","date_sent_to_company":"2025-02-20T17:07:45.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"91306","tags":null,"has_narrative":true,"complaint_id":"12143276","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2025-02-20T16:55:49.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I <em>requested</em> login and transaction logs, but Coinbase has refused to provide them.\n\n3. I <em>requested</em> an appeal or supervisor review, which was <em>ignored</em>.\n\n<em>Requested</em> Resolution : I am <em>requesting</em> that Coinbase provide a legitimate explanation for their denial and either : 1. Reimburse me for the unauthorized transactions, or 2. Provide clear evidence that my credentials were compromised outside of Coinbases control, instead of hiding behind a vague rejection."]},"sort":[12.607045,"12143276"]},{"_index":"complaint-public-v1","_id":"2709454","_score":12.549798,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"A credit monitoring service reported to me accounts and inquiries that were n't mine in XXXX. I tried to access my free credit report from TransUnion on line but TransUnion did not accept the information I provided. I was able to order a report by phone using my social security number, but the report I received was in the name of a woman with the same first name as me and a social security number that matched 8 of the 9 social security digits. The address, phone numbers and birth date matched mine but the credit accounts included both hers and mine. I finally got the fraud department to check into separating the two files after my letter requesting it was ignored with the complaint they could n't read my driver 's license, which I believe is purposefully designed to not be copied and scanned. I requested a credit freeze but was told I could n't because of the commingled file. TransUnion put a security freeze on my file with my cell phone number for verification, but the freeze ended up on the other woman 's account with my phone number. I am still getting confirmations from XXXX in the other woman 's name at my address. I have received someone else 's credit report and social security number in the mail. Her credit report also listed her address and phone number in the file. This is third time this woman 's information has ended up in my file and it is worse this time because I am retired and cutting back on my debt while she is increasing hers. TransUnion uses social security numbers as identifiers but seems more interested in like numbers than exact numbers. TransUnion will not give me a free freeze and I do not know how to protect myself from losing my credit identity again.","date_sent_to_company":"2017-10-23T21:20:56.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"22153","tags":"Servicemember","has_narrative":true,"complaint_id":"2709454","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-10-23T20:34:38.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["I finally got the fraud <em>department</em> to check into separating the two files after my letter <em>requesting</em> it was <em>ignored</em> with the complaint they could n't read my driver 's license, which I believe is purposefully designed to not be copied and scanned. I <em>requested</em> a credit freeze but was told I could n't because of the commingled file. TransUnion put a <em>security</em> freeze on my file with my cell phone number for verification, but the freeze ended up on the other woman 's account with my phone number."]},"sort":[12.549798,"2709454"]},{"_index":"complaint-public-v1","_id":"17870805","_score":12.471095,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I am filing a complaint regarding inaccurate reporting, improper collection activity, unlawful repossession, unlawful forced deposits, and failure to validate alleged debts. \n\nThis is an official notice that multiple Respondents ( Credit Bureaus, CarMax, and any related debt collectors ) have received or will receive formal documents by certified mail, including : Notice of Liability Notice of Default Affidavit of Truth Administrative Record Package ( Remittance Coupons, Fraud Notice, Informative Notice, request for XXXX issuance, FTC Identity Theft Report, Police Report, and all prior dispute communications ) XXXX and XXXX filings already recorded Confirmation from the U.S. Department of Treasury regarding the status of securities Trust and Executor/Beneficiary notifications previously served and ignored I am not uploading my trust or XX/XX/XXXXrelated documents for privacy and security reasons. I am confirming they exist, were properly recorded, and form part of the administrative record. \n\nThe Respondents have ignored every lawful request for validation, failed to provide a contract, verified accounting, purchase agreement, or wet-ink signature, and continued to report or collect on accounts without lawful verification. CarMax and related collectors also engaged in unlawful repossession and forced deposits without lawful authorization. \n\n\n-- - Damages Claimed Due to willful noncompliance, negligence, unlawful repossession, unlawful forced deposits, emotional distress, and continued publication of false information, I am claiming the following damages : FCRA Violations {$1000.00} per violation FDCPA Violations {$1000.00} per violation Defamation / False Credit Reporting {$25000.00} Emotional Distress and Hardship {$10000.00} Punitive Damages for Willful Misconduct {$50000.00} Unlawful Repossession {$10000.00} Unlawful Forced Deposit {$5000.00} Total Damages Claimed : {$96000.00} and increasing daily until the matter is corrected.","date_sent_to_company":"2025-12-09T14:09:51.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"30047","tags":null,"has_narrative":true,"complaint_id":"17870805","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CarMax, Inc.","date_received":"2025-11-20T03:35:09.000Z","state":"GA","company_public_response":null,"sub_issue":"Damage caused or loss of personal items in vehicle during the actual repossession"},"highlight":{"complaint_what_happened":["<em>Department</em> of Treasury regarding the status of <em>securities</em> Trust and Executor/Beneficiary notifications previously served and <em>ignored</em> I am not uploading my trust or XX/XX/XXXXrelated documents for privacy and <em>security</em> reasons. I am confirming they exist, were properly recorded, and form part of the administrative record."]},"sort":[12.471095,"17870805"]},{"_index":"complaint-public-v1","_id":"4139661","_score":12.4701,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have both a checking and savings account with B B & T Bank and my combined totals should be over {$13000.00}. My statements do not reflect my actual balances and when I have gone to the branch to complain, my requests for an accounting have been ignored. \nthe acting manager \" XXXX '' has refused me access to my funds and I now have been charged hundreds in bounced check fees and late fees when I have more than enough to cover my payments. If it wasn't for my having some cash at home to buy money orders, my bills would not have been paid. \nMy account has been frozen and I can't even access an ATM. My monthly Social Security check goes to my checking account and I'm not getting any help from the bank 's customer service department. Can you please help?","date_sent_to_company":"2021-03-04T02:12:37.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"34653","tags":"Older American","has_narrative":true,"complaint_id":"4139661","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2021-02-14T22:53:18.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["My monthly Social <em>Security</em> check goes to my checking account and I'm not getting any help from the bank 's customer service <em>department</em>. Can you please help?"]},"sort":[12.4701,"4139661"]},{"_index":"complaint-public-v1","_id":"23270382","_score":12.360013,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint against my bank for an explicit violation of Electronic Fund Transfer Act ( Regulation E ) consumer protections regarding claim number XXXX On XX/XX/XXXX, my personal, XXXX XXXX  account was compromised in a third-party account takeover cybercrime. A hacker successfully breached my XXXX profile and manipulated the vehicle transaction details. Because the secure platform was hacked, I was induced into sending a XXXX payment of {$990.00} to an account controlled entirely by the cybercriminal. \nI immediately reported this fraud to my bank, and I also contacted XXXX Corporate Fraud Department. XXXX officially investigated the security breach and formally confirmed to me that my account was indeed hacked and compromised by an outside party. I have attached the proof of this security breach from XXXX directly to this complaint. \nDespite clear corporate evidence proving that a third-party cyber hack directly caused this fraudulent transaction, my bank summarily denied my dispute. Under federal Regulation E guidelines, financial institutions are legally obligated to evaluate the complete circumstances of an unauthorized transaction, including external account takeovers that compromise a consumer 's financial security. \nBy ignoring the hacker 's breach of my XXXX account and issuing an automatic denial, the bank is violating federal consumer safety laws. I request that my bank immediately reopen this case, review the attached corporate confirmation of the hack, reverse their denial, and credit my account for the stolen {$990.00}","date_sent_to_company":"2026-06-16T20:23:50.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"19142","tags":null,"has_narrative":true,"complaint_id":"23270382","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2026-06-16T19:57:59.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I immediately reported this fraud to my bank, and I also contacted XXXX Corporate Fraud <em>Department</em>. XXXX officially investigated the <em>security</em> breach and formally confirmed to me that my account was indeed hacked and compromised by an outside party. I have attached the proof of this <em>security</em> breach from XXXX directly to this complaint. \nDespite clear corporate evidence proving that a third-party cyber hack directly caused this fraudulent transaction, my bank summarily denied my dispute."]},"sort":[12.360013,"23270382"]},{"_index":"complaint-public-v1","_id":"14908346","_score":12.292405,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, I began receiving emails from Truist Bank welcoming me to a new checking account. I initially ignored them, assuming it was a mistake. However, on XX/XX/XXXX, I received additional emails confirming that my email address had been added to the account 's notification preferences. \n\nI searched Truist in my email inbox and discovered a series of emails related to this checking account, which had been opened under my maiden name, a name I have not used in over 8 years. I did not open this account and never authorized anyone to do so in my name. \n\nI immediately contacted Truist through their fraud and abuse department via email, but received no reply. I also called customer service multiple times. Every time I requested to speak with someone in the fraud department, the call disconnected. One representative promised to personally transfer me to someone in fraud, but again the call disconnected. \n\nWhen I called back and explained the situation, the representative told me that they could not help unless I provided personal information such as my Social Security number, which I declined to give over the phone for security reasons. I explained that my information had already been used without my knowledge or consent to open this account, and I was not comfortable sharing more. I was told there was nothing they could do without it. \n\nThis situation is extremely concerning and has not been resolved. I have placed a fraud alert on my credit and reported the issue to the appropriate federal channels, but Truist is continuing to deny access to any information about the account, will not confirm or close it, and has not responded to my fraud report. \n\nI am requesting that Truist immediately investigate this fraudulent account, remove any connection to my email address, and confirm that no activity under my identity will impact my credit or financial records.","date_sent_to_company":"2025-07-27T18:52:55.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"46902","tags":null,"has_narrative":true,"complaint_id":"14908346","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2025-07-27T18:34:53.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["I immediately contacted Truist through their fraud and abuse <em>department</em> via email, but received no reply. I also called customer service multiple times. Every time I <em>requested</em> to speak with someone in the fraud <em>department</em>, the call disconnected. One representative promised to personally transfer me to someone in fraud, but again the call disconnected."]},"sort":[12.292405,"14908346"]},{"_index":"complaint-public-v1","_id":"12016550","_score":12.272308,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding XXXX Student Loan Debt, Credit Reporting Errors, and Potential Securities Fraud by Department of Education, XXXX, and XXXX To Whom It May Concern, I am writing to file a formal complaint regarding the mishandling of my student loan debt by the Department of Education, Aidvantage, and XXXX. Despite my debt being XXXX, these entities have failed to update my credit report accurately, and I believe they are engaging in fraudulent and unlawful practices. \n\nXXXX Debt and Incorrect Credit Reporting : My student loan debt has been XXXX, and I have received a XXXX form confirming the cancellation of this debt. However, the XXXX accounts remain on my credit report, which is inaccurate and harmful to my financial standing. This debt cancellation is considered income to me, and the continued reporting of these accounts is fraudulent and violates my rights under the Fair Credit Reporting Act ( FCRA ). \n\nI have previously raised this issue with the involved parties, who claimed they were investigating the matter. However, I have yet to receive any resolution or update. During this time, my account was transferred to a new servicer without my authorization, further complicating the situation. \n\nUnauthorized Transfer of Servicers : My loan was sold or transferred to a new servicer without my consent. This unauthorized transfer has caused significant confusion and has hindered my ability to resolve this matter effectively. \n\nPotential Securities Fraud : I am also concerned about potential securities fraud related to this account. I request that the securities associated with this account be provided to me immediately. The mishandling of my account and the lack of transparency raise serious concerns about compliance with federal securities laws. \n\nDemands for Resolution : Immediate Removal of XXXX Accounts : All accounts related to the XXXX debt must be removed from my credit report immediately. \n\nInvestigation into Unauthorized Servicer Transfer : I demand an explanation for why my account was transferred without my consent and a full investigation into this practice. \n\nSecurities Documentation : I require all securities documentation related to this account to be provided to me without delay. \n\nCease Fraudulent Practices : I urge the CFPB to investigate Aidvantage, XXXX, and the Department of Education for potential violations of the FCRA, securities laws, and other applicable regulations. \n\nThis situation has caused me significant financial and emotional distress. I have made repeated attempts to resolve this matter directly with the involved parties, but my concerns have been ignored or inadequately addressed. I trust that the CFPB will take swift action to hold these entities accountable and ensure that my rights as a consumer are protected. \n\nPlease contact me at XXXX or XXXX if you require additional information or documentation to assist with your investigation. I look forward to your prompt response and resolution of this matter. \n\nSincerely, XXXX XXXX Enclosures : XXXX of XXXX form","date_sent_to_company":"2025-02-10T22:12:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"897XX","tags":null,"has_narrative":true,"complaint_id":"12016550","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-10T22:04:36.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Potential <em>Securities</em> Fraud : I am also concerned about potential <em>securities</em> fraud related to this account. I <em>request</em> that the <em>securities</em> associated with this account be provided to me immediately. The mishandling of my account and the lack of transparency raise serious concerns about compliance with federal <em>securities</em> laws. \n\nDemands for Resolution : Immediate Removal of XXXX Accounts : All accounts related to the XXXX debt must be removed from my credit report immediately."]},"sort":[12.272308,"12016550"]},{"_index":"complaint-public-v1","_id":"8640325","_score":12.203016,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2024. I went over to my scheduled meeting to open an checking account during the promotion period with a JP Morgan & Chase Co. banking employee at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I was asked for proof of identity, address and citizenship, I presented my NY state issued Driver License and Social Security card along with my utility ( gas ) bill, banker lady accepted these documents and asked me for my citizenship, I was told twice only way to proof this is to present an US Passport, Permanent Residency, or valid Employment Authorization Document Card. I did show my EAD card along with my Alien Number stated on it and unfortunately the banker lady couldnt approved it due to the expiration date has past, then I informed her about the Federal Register Rule for Temporary Increase of the Automatic Extension Period of Employment Authorization and Documentation for Certain Renewal Applicants, DEPARTMENT OF HOMELAND SECURITY 8 CFR Part 274a [ CIS No. 271422 ; DHS Docket No. USCIS 20220002 ], I have presented the Government website which this matter is issued to the banker lady but she was unable to accept this Federal Rule after confirming the rule with her manager and then told me that I would get a call from the complaint department of their bank and I did. Unfortunately, JP Morgan and Chase Co. was unable to open a checking account for me because of their policy. I honestly could not understand how a public bank can ignore the Federal Rule to recognize me and I request from your Bureau to help me solve this problem by the law.","date_sent_to_company":"2024-03-27T22:01:07.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"60641","tags":null,"has_narrative":true,"complaint_id":"8640325","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-03-27T20:51:41.000Z","state":"IL","company_public_response":null,"sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["I honestly could not understand how a public bank can <em>ignore</em> the Federal Rule to recognize me and I <em>request</em> from your Bureau to help me solve this problem by the law."]},"sort":[12.203016,"8640325"]},{"_index":"complaint-public-v1","_id":"14135460","_score":12.203016,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, I used the Navy Federal ATM located at your XXXX XXXX branch to deposit a {$500.00} check. During this transaction, my card was stolen. From that point forward, I no longer had the card in my possession, and I did not authorize any transactions made after that date. \n\nI immediately filed a police report with the XXXX XXXX Police Department and provided Navy Federal with all relevant information, including the police report number. The investigating detective has confirmed that someone other than me used the card fraudulently and that a warrant has been issued for the suspect. I am actively pressing charges in this case. \n\nDespite providing Navy Federal with : A formal police report, The detective 's contact information, Clear evidence that I did not authorize these charges, I have received no assistance or proper investigation from Navy Federal. Ive been told that the charges were made by me an accusation that completely ignores the facts of the case. Navy Federal refuses to reimburse the stolen funds and continues to insist that I am responsible, even though the law enforcement agency handling the case has verified otherwise. \n\nThis situation is unacceptable. I request that Navy Federal : Reopen and properly investigate this claim, Review ATM security footage from the XXXX XXXX location, Contact the XXXX XXXX Police Department and the assigned detective for verification, and Reimburse the funds that were clearly stolen through no fault of my own. \nIf Navy Federal takes account security seriously, I urge you to follow up immediately with the authorities and correct this error. I have done everything within my power to report and support this investigation now it's time for Navy federal to do their job and look into this","date_sent_to_company":"2025-06-17T06:17:52.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"917XX","tags":null,"has_narrative":true,"complaint_id":"14135460","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-06-17T05:51:15.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I <em>request</em> that Navy Federal : Reopen and properly investigate this claim, Review ATM <em>security</em> footage from the XXXX XXXX location, Contact the XXXX XXXX Police <em>Department</em> and the assigned detective for verification, and Reimburse the funds that were clearly stolen through no fault of my own. \nIf Navy Federal takes account <em>security</em> seriously, I urge you to follow up immediately with the authorities and correct this error."]},"sort":[12.203016,"14135460"]},{"_index":"complaint-public-v1","_id":"17287171","_score":12.184722,"_source":{"product":"Credit card","complaint_what_happened":"Complaint Title : Repeated False Fraud Blocks by Citibank Severe Interference With Legitimate Activity FORMAL REQUEST FOR RISK PROFILE REVIEW XXXX THIS IS NOT \" SECURITY '' ... IT IS SYSTEM FAILURE ON CITI 's SIDE : NON-COMPLIANCE Narrative : Citibank is blocking my credit card weekly, sometimes requiring 34 hours and more than 10 calls to clear legitimate transactions. I travel frequently between the U.S. and XXXX, and Citi refuses to properly update my travel profile or risk settings. As a result, Citis fraud system constantly blocks routine, predictable, legitimate transactions. \n\nCiti refuses to provide a functional escalation path. It is nearly impossible to reach their fraud department through any written channel, and all incoming emails to Citi are suppressed or ignored. The call center can not resolve my issue, and supervisors provide no written confirmation or lasting fix. \n\nThis is severely damaging my business operations and disrupting personal and international travel. \n\nCITI PLATINUM SELECT AADVANTAGE WORLD MASTERCARD XXXX","date_sent_to_company":"2025-11-17T02:04:02.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"17287171","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-11-17T01:38:12.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["It is nearly impossible to reach their fraud <em>department</em> through any written channel, and all incoming emails to Citi are suppressed or <em>ignored</em>. The call center can not resolve my issue, and supervisors provide no written confirmation or lasting fix. \n\nThis is severely damaging my business operations and disrupting personal and international travel. \n\nCITI PLATINUM SELECT AADVANTAGE WORLD MASTERCARD XXXX"]},"sort":[12.184722,"17287171"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":2683,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":2683}]}},"product":{"doc_count":2683,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":2154,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":2150},{"key":"Other personal consumer report","doc_count":4}]}},{"key":"Credit reporting or other personal consumer 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