{"took":148,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":217,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"9752888","_score":23.166246,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"On or about XX/XX/XXXX, I as a consumer aquire a lease from XXXX XXXX if XXXX, for personal, family and household purposes, I and XXXX XXXX XXXX, agreed by contract to certain terms and conditions ( as I reserve my rights ) for a 30 month lease with a security deposit of XXXX dollars, which was express to me that I would get those security and funds back, if I dod not want to purchase said contract at the end of the lease, after 30 months of having the automobile, I enquired about taking full ownership, upon requesting, XXXX XXXX of XXXX through there agents/workers, try to make me pay over XXXX dollars, to have full ownership to the automobile, ( which was never mention or told to me or put in a contract ) after the disappointment, I asked for my security deposit of XXXX dollars, ( which was not given to me ) so after the 30 months, I and XXXX XXXX XXXX by way of telephone communication, extending the lease, to give me more time and to go elsewhere to find a financial institution to assign said contract and take full ownership, for a additional 3 months, after the 3 months a inquired about my security deposit of XXXX dollars and they brushed it off, but a month later my account was credited XXXX and then a month later, XXXX XXXX XXXX, stated that the credit was in error and reversed it, but agree to extend my lease for another 3 months, and sent a contract, that I had to sign, and upon looking at tge contract , I put my terms and faxed it to XXXX XXXX XXXX , I continue making payments for the monthly bills that XXXX XXXX XXXX sent each month, as a assumed the lease was extended until a financial institution could be found, ( XXXX XXXX XXXX , put a late payment on my credit report and after disputing that error, they reverse my late charge but did not reserve the reporting of that alleged late payment, which put a bad mark on my credit report, ) in good faith, I made and continue to make the monthly payments that was due by way of XXXX XXXX XXXX , sending me a bill each month, but to my surprise and shock, on or about XX/XX/XXXX XXXX XXXX XXXX sent a tow truck at my daughters home that I was visiting at XXXXXXXX XXXX to seize my automobile and my possessions that were inside, with a warrant, court order, or any documents, stating that XXXX XXXX XXXX XXXX XXXX my automobile, or possessions that were inside without my consent and XXXX XXXX XXXX XXXX never gave me, due process, or notice of any such actions, I would have handle it properly if given notice, and when calling XXXX XXXX XXXX , I was told to get a lawyer and I can't talk to there legal department if I was nit a lawyer, ( given me legal advice, and I don't belive they have a license to practice law ) the woman was \" XXXX ''","date_sent_to_company":"2024-08-13T15:01:10.000Z","issue":"Repossession","sub_product":"Lease","zip_code":"067XX","tags":null,"has_narrative":true,"complaint_id":"9752888","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TOYOTA MOTOR CREDIT CORPORATION","date_received":"2024-08-08T22:59:38.000Z","state":"CT","company_public_response":null,"sub_issue":"Company communicating payment assistance or payment extension options"},"highlight":{"complaint_what_happened":[", upon requesting, <em>XXXX</em> <em>XXXX</em> of <em>XXXX</em> through there agents/workers, try to make me pay over <em>XXXX</em> <em>dollars</em>, to have full ownership to the automobile, ( <em>which</em> was never mention or told to me or put in a contract ) <em>after</em> the disappointment, I asked for my <em>security</em> <em>deposit</em> of <em>XXXX</em> <em>dollars</em>, ( <em>which</em> was not <em>given</em> to me ) so <em>after</em> the 30 months, I and <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> by way of telephone communication, extending the lease, to give me more time and to go elsewhere to find a financial institution to assign said"]},"sort":[23.166246,"9752888"]},{"_index":"complaint-public-v1","_id":"3551919","_score":19.946245,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XXXX I went to Chase bank at XXXX XXXX XXXX, to withdraw XXXX dollars. \nI was asked for my social security number which I refused to give. \nXXXX the teller was given a valid Ca.identifcation by me.He then called XXXX who also agreed that my social security number was needed. I called another branch ( XXXX XXXX ) and was given the managers name, so that I could report this negative experience, which was giving my full S.S number so that I could withdraw XXXX dollars. \nI was then in touch with XXXX XXXX on XXXX Who called me at home hours after having XXXX that same day. \nOn XXXX I spoke to XXXX XXXX & explained my situation, I told him which bank I was going to this day, which was the XXXX XXXX. XXXX. \nI got to the bank around lunch time, thought I had done my business when the teller informed that my account was being closed so they wanted to do a reversal of my transaction. \nI was directed to banker XXXX I then called XXXX XXXX who wanted to talk to XXXX in a bit. \nI then asked to wait for XXXX the manager whom I have known for many years. \nXXXX then closed out my account, being totally freaked out. \nI have direct deposit & needed a check so I could pay my rent. \nI am a XXXX year old woman that did not need to have almost 5 thousand dollars on her person when leaving this bank. \nWhen I got home I called XXXX XXXX about what was going on he informed me that I was in an altercation at the XXXX XXXX XXXX branch. \nThat is not true & why didnt XXXX XXXX inform me of this before I went to this branch, now I know why he wanted to whether I was going to XXXX XXXX branch or the XXXX XXXX XXXX. \nI am shocked at this behavior as XXXX XXXX knew about my XXXX a week ago. \nXXXX XXXX could have shown dignity as well as empathy. \nI have no qualms transferring to a new bank but not to have been sent a letter or told that my account was being closed to avoid checks being returned & my social security checks which are direct deposited This was a terrible experience & I hope no other senior faces this total lack of service &  demeaning experience I am a XXXX Year old XXXX woman & I believe the police would have been called if I was in a active altercation","date_sent_to_company":"2020-03-03T09:17:10.000Z","issue":"Problem with customer service","sub_product":"Traveler's check or cashier's check","zip_code":"94114","tags":"Older American","has_narrative":true,"complaint_id":"3551919","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-03-03T02:33:31.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["On <em>XXXX</em> I went to Chase bank at <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, to withdraw <em>XXXX</em> <em>dollars</em>. \nI was asked for my social <em>security</em> number <em>which</em> I refused to give. \n<em>XXXX</em> the teller was <em>given</em> a valid Ca.identifcation by me.He then called <em>XXXX</em> who also agreed that my social <em>security</em> number was needed. I called another branch ( <em>XXXX</em> <em>XXXX</em> ) and was <em>given</em> the managers name, so that I could report this negative experience, <em>which</em> was giving my full S.S number so that I could withdraw <em>XXXX</em> <em>dollars</em>."]},"sort":[19.946245,"3551919"]},{"_index":"complaint-public-v1","_id":"6798242","_score":19.708862,"_source":{"product":"Checking or savings account","complaint_what_happened":"Approximately 4 to 5 years ago my wife and I set up a banking account with US Bank located in XXXX Colorado. We initially deposited nearly {$5000.00} ( XXXX XXXX dollars ) and were issued a pre-paid Visa card for the amount - mentioned. I had also arranged for my direct deposit through Social Security Administration to be deposited to this account. The bank cards we received ate US Bank Conveinent Cash. After a few years my wife and I divorced. She said she would take care of this particular bank account but apparently she failed to do so. I am inquiring about this account because according to what my ex-wife said that there was still a balance in the account of approximately {$3000.00} dollars- which is still unclaimed - though it was my direct deposits from Social Security Administration which accumulated during a lengthy hospitalization of mine. My ex-wife along with myself visited one of the branch locations of US Bank in downtown XXXX but they were extremely incooperative in ovtaing the information if we still had an unclaimed balance. We both called numerous US Bank locations and were given a runaround by US Bank employees. I still have my US Bank card since our divorce a couple years ago. I am requesting assistance from Help With My Bank.Giov to determine if I still have an unclaimed balance in this account since US Bank has been extremely uncooperative in this matter. Also, the location of the bank where we first opened the account was located at the corner of XXXX XXXX and XXXX XXXX. This US Bank location has long since closed and the building was demolished. However, I am still entitled to claim any monies still with US Bank. \n\n*** Images of US Bank Card -Attached The account information from the bank card received upon opening of this account is as follows ; US BANK Conveinent Cash Card XXXX Valid Thru XX/XX/19 XXXX XXXX XXXX XXXX","date_sent_to_company":"2023-04-05T18:18:29.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"80205","tags":null,"has_narrative":true,"complaint_id":"6798242","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2023-04-05T17:25:57.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Approximately 4 to 5 years ago my wife and I set up a banking account with US Bank located in <em>XXXX</em> Colorado. We initially <em>deposited</em> nearly {$5000.00} ( <em>XXXX</em> <em>XXXX</em> <em>dollars</em> ) and were issued a pre-paid Visa card for the amount - mentioned. I had also arranged for my direct <em>deposit</em> through Social <em>Security</em> Administration to be <em>deposited</em> to this account. The bank cards we received ate US Bank Conveinent Cash. <em>After</em> a few years my wife and I divorced."]},"sort":[19.708862,"6798242"]},{"_index":"complaint-public-v1","_id":"21692778","_score":19.679384,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX, I went to U.S. Bank to open a checking account for my Social Security deposit. At the time, I had no employment and my only source of income was/is Social Security . The banker stated that there would be no fees because of my active mortgage, which had been open with them since XX/XX/XXXX. The banker never stated that there would be fees and never stated that my minimum balance had to be XXXX. On XX/XX/XXXX, I notice my Social Security deposit does not come in the full amount and then my son checks the statements online, and he tells me I've had a recurring fee of {$24.00} XX/XX/XXXX. On XX/XX/XXXX I call US bank to explain to me why I have this recurring fee and the banker tells me I had to have a XXXX minimum which makes no sense to me since I had no employment at the time of opening the account. On XX/XX/XXXX, I spoke to the US Bank branch manager in XXXX and she could not help us because I speak XXXX and someone from another branch would reach out to us to discuss the matter. On XX/XX/XXXX, I spoke to US banker by the name of XXXX XXXX from XXXX XXXX and he explained that they would refund fees for three months and change my account where I wouldn't need to have a minimum balance to avoid fees since that was my issue to begin with. I was not content with only three months getting refunded after the lack of communication from the banker whom opened my account in XXXX. It did not seem fair and I trusted the bank to give me an account specifically for seniors getting Social Security. We concluded the call with the banker speaking to someone higher up to see if I could get refunded more months and he also stated he would change my checking account to one specifically for my social security deposits with no fees. He did get back to me and stated that there was nothing else they could do and only could give me back three months. On XX/XX/XXXX, I received a letter in the mail, stating that I was put on a checking account where I have to have a minimum balance of XXXX dollars to waive fees. I do not have XXXX dollars and neither of this was discussed by the banker. I feel misled by the information given to me over the phone and disappointed with the lack of communication and trust by US bank.","date_sent_to_company":"2026-04-29T02:14:25.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"92336","tags":"Older American","has_narrative":true,"complaint_id":"21692778","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2026-04-29T01:15:21.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Late or other fees"},"highlight":{"complaint_what_happened":["On XX/XX/<em>XXXX</em>, I went to U.S. Bank to open a checking account for my Social <em>Security</em> <em>deposit</em>. At the time, I had no employment and my only source of income was/is Social <em>Security</em> . The banker stated that there would be no fees because of my active mortgage, <em>which</em> had been open with them since XX/XX/<em>XXXX</em>. The banker never stated that there would be fees and never stated that my minimum balance had to be <em>XXXX</em>."]},"sort":[19.679384,"21692778"]},{"_index":"complaint-public-v1","_id":"7961591","_score":19.493015,"_source":{"product":"Checking or savings account","complaint_what_happened":"Monthly social security deposit made available anywhere from the XXXX through the XXXX of every month. It shows up in my online account and Im given access to it. Never do I usually see my ending daily balance in the negative until I scroll through. So Im given access to my money on the XXXX but Wells Fargo isnt posting it until the third so anything I spend between the XXXX and the third is technically looking like Im over drawing. This month my deposit of XXXX was made available on the XXXX. My ending daily balance on the XXXX th was XXXX i paid bills spent money and on the XXXX I was negative XXXX was my ending daily balance. So on XX/XX/XXXX they posted my deposit of XXXX but with deposits that still dont equal to my ending daily balance on XXXX of XXXX. I rented a car and saw the transaction post the same day when I turned the car in I waited for my deposit hold to be returned and when it wasnt I checked my online account to find the transaction and could no longer find it post. I called and spoke to a representative. I was told that the rental car company hadnt charged me a hold and never took it outta my account. That they would debit my account after I turned the car in which is untrue. I tried to rent the car for a week and with the deposit hold and the actual amount being put on hold was more then what reflected in my account so my card was declined due to insufficient funds. I have the text that it sent me. I shorted my time and ran my card again. XXXX was taken to put on hold. When I turned the car in my final charge was XXXX. XXXX told me my remainder was released on the XXXX of XXXX. Wells Fargo finally posted the withdrawal on the XXXX. I have gone back through my bank statements and have noticed a lot of things that dont add up. I have on income and thats XXXX every month some of my statements reflect total monthly deposits of XXXX and total withdrawals will be just a few dollars short of this deposit transactions through the month. Im now negative XXXX and am being charged XXXX dollars for each transaction they say was overdrawn. When I get my check again all of it will be gone. Ive called Wells Fargo and made a fraud claim when I was transferred to an investigator I was hung up on.","date_sent_to_company":"2023-12-06T18:05:17.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"28405","tags":null,"has_narrative":true,"complaint_id":"7961591","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-12-06T17:16:19.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Non-sufficient funds and associated fees"},"highlight":{"complaint_what_happened":["Monthly social <em>security</em> <em>deposit</em> made available anywhere from the <em>XXXX</em> through the <em>XXXX</em> of every month. It shows up in my online account and Im <em>given</em> access to it. Never do I usually see my ending daily balance in the negative until I scroll through. So Im <em>given</em> access to my money on the <em>XXXX</em> but Wells Fargo isnt posting it until the third so anything I spend between the <em>XXXX</em> and the third is technically looking like Im over drawing. This month my <em>deposit</em> of <em>XXXX</em> was made available on the <em>XXXX</em>."]},"sort":[19.493015,"7961591"]},{"_index":"complaint-public-v1","_id":"4681897","_score":19.370825,"_source":{"product":"Debt collection","complaint_what_happened":"I use to be a resident who moved out of XXXX at XXXX XXXX XXXX, after moving out when the lease was over I was contacted two weeks later from the leasing office making reference of owing XXXX dollars for damages. When I asked what damages, I was told bedbugs, and garbage left in the apartment. I refused to believe that because for one, I never had bedbugs and second, the apartment was left clean and damage free. When I asked for evidence such as pictures I was not given an opportunity which makes me believe they made up these allegations to keep my deposit. I'm familiar with Georgia tenant laws and guidelines that must be followed and I assure you none of the guidelines were followed by XXXX at XXXX XXXX XXXX. I was never given a list signed by a employee in the leasing office, I was never allowed to enter the apartment to see if the damages was true so in the event I would honorably be able to handle the damages. To add insult to injury this debt collection company named National Credit Systems Inc. who I have no contract with concerning this alleged debt decides to trespass by taking my social security number and damaging my credit by reporting that I owe them an alleged debt they obviously paid pennies on the dollar for, in order to try extort me for funds. To keep in honor I sent them a negotiable instrument and affidavit to satisfy the debt by registered mail. To this day they still have the negotiable instrument and still damaging my credit.","date_sent_to_company":"2021-09-01T19:11:56.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"30043","tags":null,"has_narrative":true,"complaint_id":"4681897","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2021-09-01T17:11:35.000Z","state":"GA","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["When I asked for evidence such as pictures I was not <em>given</em> an opportunity <em>which</em> makes me believe they made up these allegations to keep my <em>deposit</em>. I'm familiar with Georgia tenant laws and guidelines that must be followed and I assure you none of the guidelines were followed by <em>XXXX</em> at <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>."]},"sort":[19.370825,"4681897"]},{"_index":"complaint-public-v1","_id":"6754628","_score":19.105366,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2023 I was contacted by USAAs phone number ( I was easily able to identify it was USAAs real number as I have there number saved in my contacts ). The so called USAA representative informed me of a fraudulent charge caught on my account and we proceeded to what I thought was take the proper steps to cancel my old card and get a new one sent. Unfortunately the caller was a scammer who had somehow been able to call through USAAs number and sounded exactly like a representative, even down to the music and same questions I was always asked by USAA reps. The scammer only asked for a six digit code that he was able to get sent to my phone meaning he already had enough personal information of mine to get the code sent to my phone ( He did not ask for nor was he given anything other than a six digit code ). Unknowingly to me he then had full access to my account where he sent himself a card and could deposit checks. On the morning of XX/XX/XXXX I logged onto my USAA account where I saw a fraudulent check that was deposit worth XXXX dollars, at this point XXXX dollars was spent of the deposit and the other XXXX dollars was still on hold. I immediately called USAA and talked to a representative where we saw another XXXX dollar deposit take place, So at the moment of me talking to a USAA rep only XXXX had been spent and the employee had put a stop on my account and I was told froze all transactions. I was told that they would launch an investigation and would contact me when they find out what happened. Later that evening I attempted to log into my account and was told my password was incorrect, I then called USAA to tell them someone had changed my passwords and I was told that was just protocol. I then went home and looked at my account through my mothers account ( My account was made when I was a minor so her account can view all my account movement ) and was surprised to see that even after my morning phone call another deposit of fraudulent checks was made and a flurry of withdrawals also made, all of which was happening after I had already given USAA all the info relevant to the case and was told they are taking care of it. I had thought of it as weird but was assured by multiple USAA reps that they are in control at this point. The scammer had been withdrawing the max amount of atm withdrawals over and over to collect as much money as they could all the way in California, there were dozens of withdrawals in California ( I live in Virginia ) and I had not been notified nor had it been flagged as suspicious by USAAs fraud team. On XX/XX/XXXX I heard back from a USAA represantive that told me the call I received on XX/XX/XXXX was a scammer and he was able to use USAAs number. He then also told me the scammer went in and changed my account password which as I mentioned earlier, I told the USAA rep. but was assured that was USAA protocol and not the scammer. XXXX hours after the original XX/XX/XXXX call I received another call from USAA telling me that they have made there decision in the case and they would put my account at a negative XXXX dollar balance and I will be required to pay all of it back. After that I went through a series of rereviews and appeals only for them to never call me back and in the end still leave me with a negative XXXX dollar balance to pay and was told my account will close in 60 days and if the deficit is not paid it will go to collections. My latest discussion with USAA took place XX/XX/XXXX where they again told me there decision had not changed. In the end I want my account cleared and closed after the negative XXXX dollar balance is cleared. I notified USAA of fraudulent actions within one day of them taking place and should not be left with a burden caused by multiple failures on USAAs security system. I would also like to note the first signs of fraudulent actions on my account took place on XX/XX/XXXX only hours before I called.","date_sent_to_company":"2023-03-28T00:42:31.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"22556","tags":null,"has_narrative":true,"complaint_id":"6754628","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2023-03-28T00:36:17.000Z","state":"VA","company_public_response":"Company believes complaint represents an opportunity for improvement to better serve consumers","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["On the morning of XX/XX/<em>XXXX</em> I logged onto my USAA account where I saw a fraudulent check that was <em>deposit</em> worth <em>XXXX</em> <em>dollars</em>, at this point <em>XXXX</em> <em>dollars</em> was spent of the <em>deposit</em> and the other <em>XXXX</em> <em>dollars</em> was still on hold. I immediately called USAA and talked to a representative where we saw another <em>XXXX</em> <em>dollar</em> <em>deposit</em> take place, So at the moment of me talking to a USAA rep only <em>XXXX</em> had been spent and the employee had put a stop on my account and I was told froze all transactions."]},"sort":[19.105366,"6754628"]},{"_index":"complaint-public-v1","_id":"2934878","_score":19.092604,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/XXXX, I moved out of my apartment at XXXX XXXX, owned by XXXX XXXX XXXX XXXX as my lease had expired. I turned in my keys as well. Before moving, there was never a walk through done of the premises and I never received a bill for any damages. I asked numerous times to do a walk through and it was refused by management. In accordance with Georgia Law, a landlord must do a walk through of the premises within three days of a tenant moving out of the premises. That was not done.\n\nO.C.G.A. 44-7-33 provides the following : ( b ) Within three business days after the date of the termination of occupancy, the landlord or his agent shall inspect the premises and compile a comprehensive list of any damage done to the premises which is the basis for any charge against the security deposit and the estimated dollar value of such damage. The tenant shall have the right to inspect the premises within five business days after the termination of the occupancy in order to ascertain the accuracy of the list. The landlord and the tenant shall sign the list, and this shall be conclusive evidence of the accuracy of the list. If the tenant refuses to sign the list, he shall state specifically in writing the items on the list to which he dissents and shall sign such statement of dissent. If the tenant terminates occupancy without notifying the landlord, the landlord may make a final inspection within a reasonable time after discovering the termination of occupancy.\n\nThis was never done with me. I never received a list of damages nor was there ever a walk through. Furthermore, i was never contacted to verify whether or not I disagreed with the damages or not. Per their own document, the charge came 23 days after I moved out of the premises. This action came farther than the time the statute allowed because they were put on notice of my lease termination. \n\nAlso, XXXX XXXX did not inform me they were keeping my security deposit as well. Georgia law requires that a landlord must notify a tenant within thirty days if they are to keep the security deposit and the reasons why. \n\nO.C.G.A. 44-7-34 provides the following : a ) Except as otherwise provided in this article, within one month after the termination of the residential lease or the surrender and acceptance of the premises, whichever occurs last, a landlord shall return to the tenant the full security deposit which was deposited with the landlord by the tenant. No security deposit shall be retained to cover ordinary wear and tear which occurred as a result of the use of the premises for the purposes for which the premises were intended, provided that there was no negligence, carelessness, accident, or abuse of the premises by the tenant or members of his household or their invitees or guests. In the event that actual cause exists for retaining any portion of the security deposit, the landlord shall provide the tenant with a written statement listing the exact reasons for the retention thereof. If the reason for retention is based on damages to the premises, such damages shall be listed as provided in Code Section 44-7-33. When the statement is delivered, it shall be accompanied by a payment of the difference between any sum deposited and the amount retained. The landlord shall be deemed to have complied with this Code section by mailing the statement and any payment required to the last known address of the tenant via first class mail. If the letter containing the payment is returned to the landlord undelivered and if the landlord is unable to locate the tenant after reasonable effort, the payment shall become the property of the landlord 90 days after the date the payment was mailed. Nothing in this Code section shall preclude the landlord from retaining the security deposit for nonpayment of rent or of fees for late payment, for abandonment of the premises, for nonpayment of utility charges, for repair work or cleaning contracted for by the tenant with third parties, for unpaid pet fees, or for actual damages caused by the tenant 's breach, provided the landlord attempts to mitigate the actual damages.\n\nThe statement given to me did not outline any details as to why the security deposit was held. I have also provided an attached bill I received from Online Information Services which is a debt collection agency that XXXX hired. I got notification around XX/XX/XXXX that a bill from XXXX XXXX was submitted to a debt collection agency and reported to my credit resulting in significant financial burdens. I called Online Management multiple times to validate the debt. I never disputed the debt contrary to their letter I asked for Verification which has not been provided.There was no validation sent whatsoever of the supposed debt owed other than a general bill. Furthermore, there was no evidence of a walk through and a checklist that I signed off on indicating said damages. Lastly, there is no indication on the bill that was sent that my security deposit was being withheld which if further indication they did broke the Georgia law in regards to security deposits. \n\nThey also charged a suspect online fee which again I was never informed of. ( Please see attached bill ). \n\nThe amount allegedly owed is {$260.00}. I disagree and will not be held hostage to unfair and bad tactics by XXXX XXXX XXXX XXXX and XXXX XXXX. I have tried several times to reach out to XXXX XXXX XXXX and Online Information Services and I have been refused to be heard about the egregious acts they have portrayed. To have this impact my credit as it is not my debt and not owed has really been a burden they have refused to correct.","date_sent_to_company":"2018-06-13T17:55:30.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"30345","tags":null,"has_narrative":true,"complaint_id":"2934878","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ONLINE Information Services, Inc.","date_received":"2018-06-13T16:24:59.000Z","state":"GA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["O.C.G.A. 44-7-33 provides the following : ( b ) Within three business days <em>after</em> the date of the termination of occupancy, the landlord or his agent shall inspect the premises and compile a comprehensive list of any damage done to the premises <em>which</em> is the basis for any charge against the <em>security</em> <em>deposit</em> and the estimated <em>dollar</em> value of such damage."]},"sort":[19.092604,"2934878"]},{"_index":"complaint-public-v1","_id":"7982510","_score":18.252403,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On Tuesday, XX/XX/XXXX around XXXX central time, I used an ATM provided by Hunting Bancshares to deposit an unknown amount of money. It was at least $ XXXX dollars. I bank with XXXX and used my debit card to deposit the cash. \n\n\nThe ATM allowed me to deposit and opened the cash chute. I place my bills in, and it says \" transaction failed '' or something along those lines, and the cash chute closes. I had one {$20.00} bill left, so in the hopes that my cash was still in the chute, I reenter my debit card to deposit again to find that the ATM had taken my cash. I deposit my {$20.00} dollar bill, which is accepted by the ATM. I did not ask for a receipt because I am under the assumption the transaction went through and was accepted, and I instead wanted to focus on getting my large amount of funds back from the ATM. \n\n\nI quickly talked to the bank teller, who told me to contact the support line on the ATM since their ATMs are managed by a third party and not the branch. The Huntington support line tells me to contact XXXX since it's an issue on their end. However, after calling XXXX, they informed me that they do not accept ATM deposits and to call Huntington. The back-and-forth between these two banks continues.\n\nIt has been almost a week, and every time I reach out to Huntington they tell me that they can investigate the issue and look into it, but they can only do so if XXXX files a dispute. However, XXXX tells me that they can not file a dispute since they do not accept ATM deposits and that there is no record of transactions showing on my account, so there is nothing for XXXX to dispute. \n\n\nI talked with the Huntington branch manager today, XX/XX/XXXX at around XXXX central time, who told me the same thing -- there is not much that can be done unless my bank files a dispute. However, my bank is not involved with the transaction since one was never made and could not be made by the ATM. The branch manager said that after contacting the third-party ATM operator, they were able to confirm that I made a transaction of {$20.00}, but that it was a failed transaction and not accepted, even though the machine told me it was accepted.\n\nThe branch manager also suggested I use the ATM to withdraw and \" prove '' that I have access to the ATM and that XXXX XXXX be able to file a dispute then, but after calling, XXXX said that is not how their dispute process works and they can only dispute the specific transactions themselves, and said that the advice given to me was not ideal. \n\n\nI have asked for the ATM to be audited or balanced, security camera footage, or for some sort of evidence that may be sufficient for XXXX to file a dispute. But they can not give it to me before a dispute is filed, but XXXX can not file a dispute in the first place, and says the issue is entirely consolidated with Huntington and their ATM ( which I personally agree with ). \n\n\nIt is a frustrating circle of events that I feel trapped in.","date_sent_to_company":"2023-12-12T04:04:28.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"55811","tags":null,"has_narrative":true,"complaint_id":"7982510","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"HUNTINGTON NATIONAL BANK, THE","date_received":"2023-12-12T03:28:43.000Z","state":"MN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["On Tuesday, XX/XX/<em>XXXX</em> around <em>XXXX</em> central time, I used an ATM provided by Hunting Bancshares to <em>deposit</em> an unknown amount of money. It was at least $ <em>XXXX</em> <em>dollars</em>. I bank with <em>XXXX</em> and used my debit card to <em>deposit</em> the cash. \n\n\nThe ATM allowed me to <em>deposit</em> and opened the cash chute. I place my bills in, and it says \" transaction failed '' or something along those lines, and the cash chute closes."]},"sort":[18.252403,"7982510"]},{"_index":"complaint-public-v1","_id":"3118710","_score":17.831856,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX RE : Chase Account closed without cause Attn : Consumer Financial Protection Bureau After giving much thought to my experience, I decided to reach out to you. Chase decided to close my Checking accounts without any prior notification. I am still unclear as to the reasons why my account where closed and I was not given an opportunity to provide an explanation if one is needed. After much deliberation, Ive concluded that this was Chases method of not having to provide me with the bonus under the promotion which I opened my accounts. Therefore, I am writing to you in hopes of having the account reopened with the original promotion being honored. Since I was not given any reason or explanation for the accounts being closed I can only conclude that it had something to do with the multiple depositing of a check. \n\nThe events that led up to this are as follows : On XX/XX/2018 I deposited a check for {$110.00} into my Chase account, via mobile check deposit, the day prior to me leaving for vacation in XXXX. On the XX/XX/XXXX, my XXXX sister deposited the same check into my XXXX account, without my knowledge, as I was still on vacation in XXXX. Upon my return I visited Chase Branch #  XXXX located at XXXX XXXX XXXX XXXX XXXX, Florida ( XXXX ), to exchange currency from XXXX back to dollars. I was unaware of the check activity that took place while I was away. At that time, I was advised by the branch representative about the duplicate check deposit and my account block. While I was at the branch, I contacted my sister XXXX and she explained that she saw the check on my desk and deposited it for me, as she thought I had forgot to do so before leaving for vacation. As I was out of the country, she stated she attempted to contact me to confirm but was unable to reach me, and if you know anything about XXXX, you will know that to communicate with the US from XXXX is difficult. Therefore, in her innocence, she went ahead and deposited the check into our joint XXXX account. \n\nThe young lady at the branch attempted to assist me by calling the main office to find out the parameters surrounding the block and the steps I needed to take to have it removed. After explaining the situation to the representative on the phone, the branch representative advised me that I would only need to wait one week for the check to be returned, and the account would be unblocked since I had come into the bank with enough time to rectify the situation.\n\nSubsequently, I opened two representative payee accounts with Chase, one for my sister, XXXX XXXX and one for my mother, XXXX XXXX, without any issues. A few days later, all of the accounts were closed without any notification! \n\nThis caused a lot of confusion as I had gone to the social security office and arrangements had begun to have my mother and sisters monthly checks from Social Security deposited into these newly opened accounts. \nThis experience has led me to believe that I was stereotyped based on one mistake made by my XXXX family member and now I am unable to bank with Chase. I have been an honest banking customer for many years without any mishaps. I was not informed or misinformed during this whole process, which did not grant me the opportunity to take the necessary steps to rectify the error. I am requesting to be able to open all accounts and if possible, be given the opportunity to qualify for the new customer promotion, which was originally offered with the opening of new accounts. I believe Chase is a fine institute and in the short time we were with your bank, we were able to bank easier since we have such delicate banking circumstances. Thank you in advance for your assistance on this matter. \n\n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2019-01-07T21:07:45.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"10025","tags":null,"has_narrative":true,"complaint_id":"3118710","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-01-07T20:59:12.000Z","state":"NY","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["The events that led up to this are as follows : On <em>XX/XX</em>/2018 I <em>deposited</em> a check for {$110.00} into my Chase account, via mobile check <em>deposit</em>, the day prior to me leaving for vacation in <em>XXXX</em>. On the XX/XX/<em>XXXX</em>, my <em>XXXX</em> sister <em>deposited</em> the same check into my <em>XXXX</em> account, without my knowledge, as I was still on vacation in <em>XXXX</em>. Upon my return I visited Chase Branch #  <em>XXXX</em> located at <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, Florida ( <em>XXXX</em> ), to exchange currency from <em>XXXX</em> back to <em>dollars</em>."]},"sort":[17.831856,"3118710"]},{"_index":"complaint-public-v1","_id":"13506843","_score":17.691545,"_source":{"product":"Debt collection","complaint_what_happened":"In XXXX, I was renting a property that was managed by XXXX XXXX. My XXXX was yearly, and I was set to lease through XX/XX/XXXX. In XXXX, I purchased a home and in late XXXX, after residency for the previous owner ended ( as agreed upon ), I began the process of moving. I paid rent through XX/XX/XXXX, at which time I broke my lease. \n\nIn XXXX of XXXX, XXXX XXXX was fired by the property owner, and replaced by XXXX XXXX. XXXX XXXX is the company I paid my rent to for XXXX, XXXX, and XXXX of XXXX. Upon termination of the Lease on XX/XX/XXXX, I squared up any remaining balance with XXXX XXXX and moved out officially. \n\nA month later, in XXXX of XXXX, I received a call from Hunter Warfield saying that I owed a debt of XXXX dollars to XXXX XXXX for a lease break. However, as stated ( and proved by my Tenant ledger ), I broke my lease on XX/XX/XXXX, 3 months after XXXX XXXX was fired and no longer associated with the property. I started off trying to get this resolved with XXXX XXXX, however, their customer service / phone answering individual refused to pass me along to, or give me the information of, the people in the company who sent the \" debt '' to collection. Despite numerous efforts over multiple months, I never was able to speak to anyone at XXXX aside from that one individual, who refused to assist in any manner and simply told me to work with Hunter Warfield.\n\nDuring this time, I was trying to get this resolved with XXXX XXXX as well. Eventually, I was able to get my tenant ledgers from XXXX XXXX with the help of the new property manager for my old apartment, and provided this information to Hunter Warfield. This included the up-to-date ledger from XXXX XXXX, showing that I had a XXXX and a move-out date of XX/XX/XXXX. I hadn't heard back from Hunter Warfield after that, so I assumed this had been resolved. \n\nXXXX of XXXX, I receive a call from XXXX XXXX saying I have the same XXXX dollar debt from XXXX. I told them that I have provided the ledgers proving otherwise, but they said they showed it to XXXX  and XXXX XXXX rejected it and said I still owed them XXXX dollars. This is absolute insanity because at this point, a company that was fired 3 months BEFORE I broke a lease is trying to collect a XXXX dollar lease break free for a property that they no longer manage. I have provided proof that I owe nothing, and proof that I paid rent through XX/XX/XXXX, which is after XXXX  no longer managed the property. Any remaining balances or fees were squared with XXXX XXXX, and I received my security deposit back from them as well in XXXX of XXXX, further confirming no further money was owed ( as it would have been taken from the security deposit ). However, despite XXXX XXXX and Hunter Warfield BOTH being provided with documents clearly showing all of the months that I continued to pay rent after XXXX  Management was removed from the property, and showing the XXXX dollar remaining balance, they are still insisting that I owe the debt. \n\nXXXX has gone so far as to send a new ledger to Hunter Warfield, saying that the lease break occurred in either XXXX or XXXX of XXXX, which is clearly disproved by the fact that my XXXX XXXX  tenant ledger shows me renting the property through XX/XX/XXXX of XXXX. This updated ledger is contrary to the XXXX  tenant ledger that was originally sent to XXXX ( which XXXX provided to me as well ), and regardless, is still claiming my lease was broken 3 months prior to when I broke my lease and moved out. \n\nXXXX XXXX, in the face of definitive proof, have continued to harass me about a debt that I COULD NOT POSSIBLY owe to XXXX XXXX as they hadn't managed the property for the 3 months prior to my actual lease break ( again, this proven by my tenant ledger, which was given to both of them ). They have recently started harassing me again, where calling XXXX has, just as before, left me getting hung up on as soon as they see my account was sent to debt collection. Again, any remaining balances, fees, or other payments were sent to XXXX XXXX, as they were the property managers when I broke my lease, and they had been for the 3 months leading up to then as well. \n\nAttached you will find the Ledgers that I received from XXXX XXXX on XX/XX/XXXX. These were, at that time, the ledgers that XXXX XXXX had based on what they received from XXXX, as well as the ledger that XXXX XXXX then built out after taking over management of the property, which concluded on XX/XX/XXXX when my security deposit was returned to me in full.","date_sent_to_company":"2025-05-14T23:30:45.000Z","issue":"False statements or representation","sub_product":"Rental debt","zip_code":"48442","tags":null,"has_narrative":true,"complaint_id":"13506843","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"HW Holding, Inc","date_received":"2025-05-14T22:51:36.000Z","state":"MI","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I have provided proof that I owe nothing, and proof that I paid rent through XX/XX/<em>XXXX</em>, <em>which</em> is <em>after</em> <em>XXXX</em>  no longer managed the property. Any remaining balances or fees were squared with <em>XXXX</em> <em>XXXX</em>, and I received my <em>security</em> <em>deposit</em> back from them as well in <em>XXXX</em> of <em>XXXX</em>, further confirming no further money was owed ( as it would have been taken from the <em>security</em> <em>deposit</em> )."]},"sort":[17.691545,"13506843"]},{"_index":"complaint-public-v1","_id":"15629512","_score":17.520954,"_source":{"product":"Checking or savings account","complaint_what_happened":"Truist bank put a hold on a XXXX  check that i deposited by mobile, i called and they said it was a standard hold and within 7 days it would be released. after the release timeframe they blocked my account and said it was under investigation for fraud. I sent in documents from my lawyer from XXXX  and my address and social security card etc. they gave me the run around and transferred me for days on end to different areas with no answer. I was given multiple different emails to send documents and was told that only some were received. I was turned away from the actual branch by a rude woman who just gave me the same number to call that i had already been on the phone with for days. SSA also had checked my account by depositing XXXX dollars the month before to verify it which can be seen clearly on my transaction history. then out of nowhere i couldnt login to the mobile banking app and was told they are closing my account but gave me no way of resolving the money they had taken. They also let the check clear first into my account and it was deposited then they locked the account. so the check was good, it was mine, then they took it. I have bills and am now looking at being kicked out of my house over this. also i told them that XXXX first i was receiving. direct deposit from XXXX  and that if they closed my account then it would push my payment back for a long time because i would have to change the entire thing with XXXX. the only reason i even opened this account was for the XXXX  payments. and now i cant acsess anything. they mentioned evventually that the check had a different address on it than the one they had on file, so i even sent in the change of address form from usps and still no answer.","date_sent_to_company":"2025-08-31T16:07:06.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"33813","tags":null,"has_narrative":true,"complaint_id":"15629512","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2025-08-31T15:49:53.000Z","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":["Truist bank put a hold on a <em>XXXX</em>  check that i <em>deposited</em> by mobile, i called and they said it was a standard hold and within 7 days it would be released. <em>after</em> the release timeframe they blocked my account and said it was under investigation for fraud. I sent in documents from my lawyer from <em>XXXX</em>  and my address and social <em>security</em> card etc. they gave me the run around and transferred me for days on end to different areas with no answer."]},"sort":[17.520954,"15629512"]},{"_index":"complaint-public-v1","_id":"2927819","_score":17.032614,"_source":{"product":"Debt collection","complaint_what_happened":"I was living at XXXX XXXX XXXX in XXXX XXXX until a month before XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX are given to soldiers a month or 2 before XXXX so soldiers can get out of leases and turn into certain creditors for lower interest rates during a XXXX cycle. I received my XXXX XXXX   on XXXX XX/XX/XXXX and turned them into the office at XXXX XXXX. They did not honor my XXXX XXXX. I continued to clear my apartment in a timely manner and had paid first and last months rent upon moving in. To include a security deposit that would have covered any cleaning upon me leaving. I did not receive my security deposit back and paid my pet fee to the front office. My mother co-signed the lease with me and this is on both of our credit reports for over 6k in fees. For one the apartment complex never contacted my mom or myself before leaving in XX/XX/XXXX. The debt was sold to a collection agency while I was XXXX, and me and my mom have been dealing with harassing phone calls ever since. My mom started receiving calls shortly after me leaving and she asked the collection agency ( Hunter Warfield ) to provide a by name list of charges against me. She did not receive a by list charges until XX/XX/XXXX ... .and over a thousand dollars in interest charges from a collection agency we had no contract with. My mother has sent to me the bills they have sent as well as the by name list of charges in which I find to be totally fraudulent. I should never of had a fee for last month rent because I paid first and last month before moving in, I also accrued fraudulent cleaning charges that my security deposit would have covered, I also should not of had a lease termination fee of over XXXX with XXXX XXXX. Not to mention pet fees and so on. The list is crazy. To think this is how companies operate and treat deploying soldiers. And then sell the fraudulent debt to a head hunting collection agency on fraudulent grounds. And then to have fees of over 1.5k from a company you never had a contract with and bought this fraudulent debt on pennies to the dollar. To get this rectified would be wonderful. I have tried disputing with all three credit bureaus with no luck. I truly feel this is my last step to get this resolved. I am a father of five and can not purchase a house for my family because of this on my credit report. I am almost XXXX and have never owned a home for my family. Please help this XXXX veteran clear me and my mothers name in this matter. Supporting documents follow ...","date_sent_to_company":"2018-06-06T06:15:05.000Z","issue":"Attempts to collect debt not owed","sub_product":"Mortgage debt","zip_code":"80831","tags":"Servicemember","has_narrative":true,"complaint_id":"2927819","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HW Holding, Inc","date_received":"2018-06-06T01:00:10.000Z","state":"CO","company_public_response":"Company believes complaint represents an opportunity for improvement to better serve consumers","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["My mom started receiving calls shortly <em>after</em> me leaving and she asked the collection agency ( Hunter Warfield ) to provide a by name list of charges against me. She did not receive a by list charges until XX/XX/<em>XXXX</em> ... .and over a thousand <em>dollars</em> in interest charges from a collection agency we had no contract with. My mother has sent to me the bills they have sent as well as the by name list of charges in <em>which</em> I find to be totally fraudulent."]},"sort":[17.032614,"2927819"]},{"_index":"complaint-public-v1","_id":"19286506","_score":16.66521,"_source":{"product":"Credit card","complaint_what_happened":"Unfair Closure of Secured Credit Card Account, Withholding of Personal Funds, and Improper Post-Closure Fees I am filing this complaint against U.S. Bank regarding the unfair closure of my secured credit card account and the continued withholding and reduction of my personal funds. \n\nI opened a secured credit card account with U.S. Bank in XX/XX/XXXX and deposited {$2300.00} of my own personal funds as a security deposit in order to receive this card. The last four digits of my credit card are XXXX. I trusted U.S. Bank with this significant amount in good faith, believing my funds would be safeguarded and returned in full if the account was ever closed. \n\nI used this secured credit card responsibly for approximately one full year. Despite this, U.S. Bank closed my account on XX/XX/XXXX, without providing any clear explanation, written notice, or valid reason. This decision was shocking and extremely disappointing, especially given that I was a long-term, compliant customer. \n\nAt the time the account was closed : The total credit limit was {$2300.00} I had more than {$1200.00} in remaining available balance, meaning a substantial portion of my secured deposit was still mine and should have been refunded After closing the account, U.S. Bank engaged in the following actions : Immediately blocked my online banking access, leaving me unable to view statements or monitor my funds Provided no meaningful assistance through customer service calls Failed to return my remaining secured funds, even after more than 40 days Continued to charge late fees every month, unlawfully reducing my secured deposit even though the account was closed and inaccessible This behavior is deeply concerning. A secured credit card deposit is not the banks money it is my personal property. I want to clearly state that not even XXXX dollar should be deducted from my secured funds beyond any legitimate balance that existed before the account closure. Charging late fees after the account was closed and while my funds are being held hostage is an unfair, deceptive, and abusive practice. \n\nAs of XX/XX/XXXX, U.S. Bank continues to hold my money, has not issued any refund check, and continues to erode my secured deposit through improper fees. This delay is unreasonable and has caused financial loss, emotional distress, and unnecessary hardship. \n\nFurthermore, U.S. Banks actions have resulted in negative and inaccurate credit reporting, which I am now disputing with credit bureaus. Any damage to my credit profile is solely the result of the banks unilateral and unjustified actions.\n\nI am formally requesting CFPB intervention to ensure the following resolution : 1. Immediate return of my full remaining secured deposit via check, with zero deductions 2. Complete reversal of all late fees or charges applied after XX/XX/XXXX XXXX. Correction and removal of any negative or inaccurate credit reporting related to this account 4. A written explanation from U.S. Bank detailing why my account was closed and why my personal funds were withheld I placed significant trust in U.S. Bank by depositing {$2300.00} of my own money as security. Closing my account without explanation and then continuously reducing my personal funds through late fees is unacceptable. I respectfully request CFPBs immediate assistance to stop this conduct and ensure my funds are returned in full.","date_sent_to_company":"2026-02-05T21:38:55.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"77089","tags":null,"has_narrative":true,"complaint_id":"19286506","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2026-02-05T21:27:12.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["A secured credit card <em>deposit</em> is not the banks money it is my personal property. I want to clearly state that not even <em>XXXX</em> <em>dollar</em> should be deducted from my secured funds beyond any legitimate balance that existed before the account closure. Charging late fees <em>after</em> the account was closed and while my funds are being held hostage is an unfair, deceptive, and abusive practice. \n\nAs of XX/XX/<em>XXXX</em>, U.S."]},"sort":[16.66521,"19286506"]},{"_index":"complaint-public-v1","_id":"11490068","_score":16.41543,"_source":{"product":"Checking or savings account","complaint_what_happened":"After a year- long battle trying to get a Navy Federal Credit Union personal checking account, I was very excited to be finally welcomed into the military family. It had taken a long time to repair my consumer reports after suffering a devastating identity theft not long ago. I was very proud of getting this account and was excited to finally be on board after serving XXXX years in the XXXX XXXX myself. \n\nThere were two restrictions that were on the account when it was unfairly shut down. I had just finished having the XXXX block lifted ( that was caused by a minor dispute on another account ) when I also noticed the mobile deposit feature had been locked up. While I was inquiring about the mobile deposit option, I was logged out of the account and had to call in to regain access. Upon doing so, I was questioned about which devices I had and whether or not they were fully updated. The operator told me to run updates on my XXXX and XXXX XXXX and call back to regain access to the account and be able to inquire about the mobile deposit. After complying with her instructions, I attempted to login in but it gave an error message saving that the account had been closed. \n\nWhen I called in again they tried to tell me I had a fraudulent membership. This accusation blew my mind as it seemed they were looking for a reason to deprive me of my account. I was rather shocked that they had sprung this on me and I was also surprised by the manner in which they questioned me about my devices and whether they were updated or not. \n\nA day or two prior to this occurrence my XXXX account had been drained of {$200.00} by purchases made by someone that was hacked into my phone using an XXXX XXXX. XXXX had that particular device blocked from purchasing anymore apps but the hacker was not purged completely from my phone. I believe it was this same hacker that was in my Navy account at the same time I was and that was why the operator had questioned me so heavily about devices I own and use with the account. \n\nI found out later that there was indeed someone hacked into my phone and the person was using an XXXX XXXX. He apparently tried using the mobile deposit feature in the Navy account which got it restricted before I realized it had been unlocked. He must have also been in the Navy app at the same time as me for the operator to be asking all my devices and inquiring if their software was updated. It was wrong of her not to tell me me there was a threat there in the account and she deceived me into believing a simple phone update was all I needed to regain entry to the account when she was actually busy shutting my account down. \n\nWhen all of this happened I was actually trying to use the mobile deposit function to deposit a check to try and save my church property in Kansas. I had bought this property with my family inheritance in XX/XX/year> and I defaulted on a $ XXXX loan I took out against the property. The property contains everything I have left to my name after suffering a devastating identity theft that literally is costing me everything. I have to be able to receive a $ XXXX loan to be wired to my lender by tomorrow morning or I lose everything I have left to my name, over a XXXX dollars in real estate and personal property that I will not be able to live with. The closing of my account set me back and scrambling to find another account to carry out my necessary transaction, which still has not occurred. My life is in jeopardy because of this unfortunate event. \n\nThe last thing this was a fraudulent membership as security told me they believed. I had been pursuing Navy as a bank for over a year with multiple applications and I also attached my XXXX Form XXXX. I will truly appreciate my account be given back to me right away for it was nothing security assumed and the only potential risk there was could have been a potential unauthorized user in my account and that was no fault of mine as I had not given out my login to anyone. I have since then reset my phone and changed all my passwords to assure there are no more unwanted intruders hacked into my phone. Please consider returning my account to me as I worked very hard to repair my consumer report to finally be accepted as a member. Please dont make all that pride and effort go to waste. I want to remain a member for life just as I am with XXXX.","date_sent_to_company":"2025-01-12T17:51:17.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"89117","tags":"Servicemember","has_narrative":true,"complaint_id":"11490068","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-01-12T17:04:43.000Z","state":"NV","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["The last thing this was a fraudulent membership as <em>security</em> told me they believed. I had been pursuing Navy as a bank for over a year with multiple applications and I also attached my <em>XXXX</em> Form <em>XXXX</em>. I will truly appreciate my account be <em>given</em> back to me right away for it was nothing <em>security</em> assumed and the only potential risk there was could have been a potential unauthorized user in my account and that was no fault of mine as I had not <em>given</em> out my login to anyone."]},"sort":[16.41543,"11490068"]},{"_index":"complaint-public-v1","_id":"2095106","_score":16.386534,"_source":{"product":"Bank account or service","complaint_what_happened":"I received a coupon in the mail from Chase for {$300.00} when opening a new account and setting up direct deposit. After consideration of friends ' positive experiences with the bank, I decided to try it. The first red flag I encountered while opening the account was when Chase blatantly refused to accept my valid drivers license, social security card, and/or valid work authorization card as proofs of identification, all because of my \" XXXX. '' I should have given up then. Instead, I followed the banker 's advise of getting a \" XXXX '' from the XXXX ; a document I will never have another use for except fulfilling Chase 's XXXX requirements. {$27.00} dollars and two weeks later, after receiving the only form of identification they would accept in the mail, I went back into the same branch and spoke to XXXX. While setting up the account, I told her I was a XXXX for XXXX and received my direct deposit payments from them almost on a daily basis. She said she was familiar with the company, as she had assisted other people with the same work situation. The account was opened on XXXX XXXX, and immediately I transferred my direct deposit information from XXXX XXXX to this new Chase checking account. The first deposit of {$0.00} came in the next day, on XXXX XXXX. ( The company always does this when you reroute your direct deposit. ) The rerouting finished processing and I began receiving my payments consistently starting on XXXX XXXX. ( During that time period of 8 days, I was unable to access my money which was very inconvenient. ) From then until today, I have been consistently receiving my direct deposit payments 2-5 times per week. My surprise came when, much later than 10 business days as per the agreement, on XXXX XXXX, I still had not received the {$300.00} as advertised on the coupon. On XXXX XXXX at XXXX, I called the Chase customer service line, where they assured me that I would be receiving it, but had to \" wait until the coupon expired on XXXX XXXX '' for \" the system to recognize it. '' This was already contrary to what the paperwork stated, but given no other choice by the customer service representative over the phone, I waited. On XXXX XXXX at XXXX, I called the Chase customer service line once again. This time, they told me that my direct deposits were not being recognized as direct deposits, and that I would have to speak to a banker in person. Frustrated at XXXX, I called the branch where I opened my account and asked for XXXX. The lady said everyone was busy at the moment. I explained the situation and frustration of being passed back and forth and being told to \" keep waiting. '' She took my number and said she would call me back in 15 minutes. I called back at XXXX and received the same response. Finally, an hour later at XXXX, XXXX called me completely clueless, again I explained the situation and she took my number and said she would \" open a case '' and call me back, and to \" call '' her if I \" had not heard '' from her by XXXX XXXX. On XXXX XXXX, after calling the branch and finding out she was not there that day, I went in and asked to speak to the manager. XXXX XXXX seemed very understanding and said she would follow through the case. Today, she called me with \" not-so-good news '' saying that she spoke with corporate and they said they would be honoring the coupon and there was nothing else she could do. At this point, I have waited 2 months, spent {$27.00} dollars and approximately 5 days of work dealing with this issue, not mentioning the waiting period I will be unable to access my money if I choose to reroute my DD to my old account. I did my part, and Chase is refusing to give me the money they promised. The banker confiscated the physical copy of the coupon, but attached is the agreement I received at account opening. The branch : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX","date_sent_to_company":"2016-09-03T23:54:04.000Z","issue":"Deposits and withdrawals","sub_product":"Other bank product/service","zip_code":"90065","tags":null,"has_narrative":true,"complaint_id":"2095106","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2016-09-03T23:54:03.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I received a coupon in the mail from Chase for {$300.00} when opening a new account and setting up direct <em>deposit</em>. <em>After</em> consideration of friends ' positive experiences with the bank, I decided to try it. The first red flag I encountered while opening the account was when Chase blatantly refused to accept my valid drivers license, social <em>security</em> card, and/or valid work authorization card as proofs of identification, all because of my \" <em>XXXX</em>. '' I should have <em>given</em> up then."]},"sort":[16.386534,"2095106"]},{"_index":"complaint-public-v1","_id":"2146638","_score":16.200825,"_source":{"product":"Prepaid card","complaint_what_happened":"I do n't know whether to put fraud or scam or unauthorized transactions because it is both. As I have several copies of all of the statements provided, I will send one to the Attorney General, the CFPB, the Department of justice and the FBI. Due to the dollar amount of this financial crime. After reading your response, I am livid that you suggest 11 payments came from The Social Security Administration that were in fact released to me. Here is the fact, the truth of the matter. I opened XXXX card specifically to receive my benefits payments. On month 1 which was XXXX XXXX, I was paid XXXX, which is short by {$110.00} with which the Social Security Administration states my whole payment was released to Netspend and they somewhere along the lines Netspend have helped themselves to the difference in payment. Then, the amount of XXXX was in pending status 2 days later. Again, short being my benefit amount was {$100.00} or so dollars higher. Netspend never released that payment as I called continuously, no one would help me. In fact, the customer service agents were literally laughing at the situation. In XXXX, there were approximately XXXX payments from The Social Security Administration were released. From what The Social Security Administration states, they were payments I had never received in the amounts of XXXX,XXXX,XXXX,XXXX, and XXXX. Those payments are all showing as XXXX dollars deposited to the card. Netspend is trying to make it appear as I received all I was supposed to. not by a long shot. In XX/XX/XXXX, I received my correct payment amount released to me on time. In XX/XX/XXXX, I no longer used the card. however, my dependents payments were applied to the card. I did call Netspend several times stating fraudulent transactions that I neither made or authorized. Their customer service is less than desirable. I then filed my tax returns for XX/XX/XXXX and I was given a Netspend card. This is card number of the only XXXX cards I ever had. Somehow, everything got merged onto XXXX card including my Social Security XXXX payments. I called with fraud related issues more often than not and they would do nothing!! on a few occasions, they did refund me some of the money stolen. However, not nearly everything. I stopped using that card as well and I was totally done with Netspend because of the awful service and the company itself was crooked and enjoyed stealing people 's money. When I stopped using card number XXXX I could n't imagine where the heck all of my money had gone. XX/XX/XXXX, after a lengthy hospital stay, i decided I would attempt to clear up the situation with the XXXX cards. This is where I learned about XXXX cards in my name. I never had XXXX cards, I had XXXX. And the XXXX I had I stopped using very quickly. At any rate, after getting the run around several times, sending their requested documents several times, being told some paperwork had come through blank and re sending directly to XXXX XXXX, I finally got the notification that they would be send ing me the XXXX statements. I was never informed of a paypal statement that they could not send. I wonder what erroneous charges are on there. I received the statements and I was horrified, livid, frustrated, you name it. I called XXXX XXXX for days and e-mailed him for days with no return call or e-mail. I went through the transactions and I highlighted only the ones I knew for a fact that were not mine. There are possibly more, but if I do not know I will give them the benefit of the doubt. XXXX sent me an e-mail stating I would hear something within 10 days. All I want to hear is they intend on making good on the fraudulent erroneous charges and the XXXX payments I never received. I do n't even know what the dollar amounts of the ones stating XXXX were supposed to be. I have e-mailed XXXX for an update, he has ignored me.","date_sent_to_company":"2016-10-11T15:16:06.000Z","issue":"Unauthorized transactions/trans. issues","sub_product":"ID prepaid card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"2146638","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Netspend Corporation","date_received":"2016-10-05T15:55:41.000Z","state":"NC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["On month 1 <em>which</em> was <em>XXXX</em> <em>XXXX</em>, I was paid <em>XXXX</em>, <em>which</em> is short by {$110.00} with <em>which</em> the Social <em>Security</em> Administration states my whole payment was released to Netspend and they somewhere along the lines Netspend have helped themselves to the difference in payment. Then, the amount of <em>XXXX</em> was in pending status 2 days later. Again, short being my benefit amount was {$100.00} or so <em>dollars</em> higher. Netspend never released that payment as I called continuously, no one would help me."]},"sort":[16.200825,"2146638"]},{"_index":"complaint-public-v1","_id":"14663213","_score":16.19047,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am a XXXX Social Security recipient and have been permanently XXXX for over 10 years due to lupus, avascular XXXX, and multiple joint replacements. I recently underwent major foot and ankle XXXX, have permanent metal implants, and am currently confined to a wheelchair for XXXX weeks. I rely on Chase as my only bank and do not have a credit card or alternative account. \n\nOn or around XX/XX/2025, I reported fraud on my Chase checking account ( ending in XXXX ) after discovering unauthorized transactions. I immediately canceled my debit card, filed claims, and followed all instructions given by Chase representatives. \n\nShortly after, my paycheck of {$3200.00} was direct-deposited into that same account, bringing it fully positive. My sons linked college/work account ( ending in XXXX ) was also brought positive by his direct deposit. Despite both accounts now being in good standing, Chase fully restricted our access including online login, debit cards, and branch access to even a few dollars. \n\nAdditionally, we were told that a * * third linked savings account * * ( believed to end in XXXX ), which is still negative due to fraud, must be brought positive before * any * restrictions will be removed. We were told that * * none * * of our money including the deposited paychecks could be accessed until the negative savings account is fixed, despite being fraud-related. \n\nI have no other source of income or financial tools. I was forced to ask my small-town pharmacy to provide medication without payment. My son is unable to pay his * * court-ordered child support * * or * * car insurance * *, which will cancel by XX/XX/XXXX. We are sharing a car just to get him to work. All three accounts were visible within my Chase app and are clearly linked yet Chase is now punishing us for their system 's exposure to fraud, while denying us basic financial access. \n\nWe have spoken with customer service, branch staff, and the fraud team, and no one has offered help or a timeline. We have now escalated directly to XXXX XXXX XXXX and are filing this formal CFPB complaint to request * * emergency access * * to our * * legally deposited wages * * while Chase investigates. \n\nI am requesting urgent review due to XXXX, medical risk, legal risk, and total loss of income access.","date_sent_to_company":"2025-07-15T21:24:40.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"70607","tags":null,"has_narrative":true,"complaint_id":"14663213","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-07-15T21:16:12.000Z","state":"LA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["On or around <em>XX/XX</em>/2025, I reported fraud on my Chase checking account ( ending in <em>XXXX</em> ) <em>after</em> discovering unauthorized transactions. I immediately canceled my debit card, filed claims, and followed all instructions <em>given</em> by Chase representatives. \n\nShortly <em>after</em>, my paycheck of {$3200.00} was direct-<em>deposited</em> into that same account, bringing it fully positive. My sons linked college/work account ( ending in <em>XXXX</em> ) was also brought positive by his direct <em>deposit</em>."]},"sort":[16.19047,"14663213"]},{"_index":"complaint-public-v1","_id":"3140531","_score":16.043531,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XXXX XXXX company receives my monthly social security payments, and are suppose to have it available monthly on my card. Well, a month ago, someone made an unauthorized purchase in the XXXX XXXX on my XXXX XXXX for {$800.00}. I filed a dispute claim, I live in XXXX Pennsylvania. After, about 15 days or so the XXXX XXXX company put the {$800.00} from the unauthorized transaction back onto my XXXXXXXX XXXX. Now, I was expecting my social security payment for today XX/XX/2019 Only to find out that XXXX was deposited by the social security administration to my XXXX XXXX Account, but that the XXXX company deducted the {$900.00}. Dollars because they said that the XXXX dispute on the prior claim on the XXXX XXXX purchase was not finalized. So, they took my social security XXXX payment because of that. I never been to the XXXX XXXX, I live in XXXX Pennsylvania. I dont buy any products online. The {$800.00} purchase made was unauthorized. And this XXXX XXXX  company is not only penalizing me for that unauthorized purchase, but, fraudulently, advance me back my own money, and then the following month of XXXX XX/XX/2019 deducted {$900.00} from my social security again on this fraud purchase made by someone other than myself. They have put me in a vulnerable financial situation in paying my living expenses over the last few months because of their unethical business practices. They have showed not concern for me or providing immediate resolutions to these issues and problems concerning my account. I have been backed up in paying my bills and because of them have experience more health issues. Their telling me, that it takes 180 days on a claim dispute issue, to finalize even tho I live here in the United States and the unauthorized purchase was made in the XXXX XXXX, which I have never been too. Then, they put the money on the card and take it out of my followings social security payment as if they given me a loan on my own money, that they owe me. The {$800.00} and this month of XXXX, {$900.00} They have taken from me via my social security payments. They are giving me nothing but a hard time with retifiying this situation. So, today I have filed several complaints against this company for shady unethical business practices. And I want all my hard earned money return to me immediately.","date_sent_to_company":"2019-02-07T18:45:53.000Z","issue":"Money was not available when promised","sub_product":"Domestic (US) money transfer","zip_code":"152XX","tags":null,"has_narrative":true,"complaint_id":"3140531","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fidelity National Information Services, Inc. (FNIS)","date_received":"2019-02-02T02:26:31.000Z","state":"PA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Now, I was expecting my social <em>security</em> payment for today <em>XX/XX</em>/2019 Only to find out that <em>XXXX</em> was <em>deposited</em> by the social <em>security</em> administration to my <em>XXXX</em> <em>XXXX</em> Account, but that the <em>XXXX</em> company deducted the {$900.00}. <em>Dollars</em> because they said that the <em>XXXX</em> dispute on the prior claim on the <em>XXXX</em> <em>XXXX</em> purchase was not finalized. So, they took my social <em>security</em> <em>XXXX</em> payment because of that. I never been to the <em>XXXX</em> <em>XXXX</em>, I live in <em>XXXX</em> Pennsylvania. I dont buy any products online."]},"sort":[16.043531,"3140531"]},{"_index":"complaint-public-v1","_id":"3209938","_score":16.014503,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"In XXXX XXXX, I walked into bank of America in XXXX, Ca. I opened a Secured Credit Card. I gave the associate {$500.00} for my deposit. In XXXX after using my cards availible XXXX dollars. I went to the same bank, spoke to the same person, and asked him close my account because I could not afford to pay the payments. I requested the deposit to be used to cover my usage. \n\nIn XXXX around XX/XX/XXXX I called the them asking why they are still showing my card as open and reporting adversely on my credit. I was transferred to a sales associate who convinced me to allow my account to be graduated, and that I would get a check back in the mail. I asked about the balance, which I was told would transfer over. I told the associate that I would rather have my deposit cover the card money. ( Balance was XXXX dollars from fees since no payments were made ) I honestly believe that my account was going yo be credited to show my deposit as they graduated me to a few based account. \n\nIn XXXX I lost track of this account, other hardships had my attention. In XXXX I realized when I was applying for a loan that they hadn't done anything on my account. So I called back in, and was told they had to do research on it, and I would receive a letter and call back. To my knowledge I never recieved a letter nor did I recieve a call. \n\nI started filing disputes with credit bureaus at this point. \n\nSeveral disputes later I had XXXX results. Bank of America, kept reporting my account as a unsecured credit card with a XXXX limit, and a balance of XXXX. ( 10 years of adverse effects on my credit ) Recently I spent over 17 hours on the phone with every department in the bank demanding research and proof of my account informtion. \n\nThe bank claims I never put a security deposit down according to their records, contradicting what I was told over 100 times in the last 30 days. I was told they only keep records for 7 years. So when I asked how they came to the conclusion about my account at the time of opening the said they checked their records. \n\nIf they have record of my account being opened as a unsecured card, then they should have the name of the bank associate whom opened my account in XXXX. And if they are sure that it was not a secured card then the man that I gave my XXXX cash deposit to, pocketed my money. But the bank says they cant give me such information if they have it. \n\nFinally, for the last 10 years I've been getting denied credit, or, I have been given very high interest rates, I've been unable to gain employment and lost several job opportunities, my life has been extensive burden and I've been greatly affected by \" the amount of usage on revolving or national bank cards is to high '' directly relating to this account specifically. Which has been at 168 percent utilized since XXXX. \n\nThey also changed my account number sometime between XXXX and XXXX. And when I asked for statements from my account they told me they would send every statement to me and did not send me but 10 total. \n\nFinally since XXXX they have also reported diffrent payment history to each credit bureau, which also has had a negative impact on my score and life.","date_sent_to_company":"2019-04-12T04:00:28.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"925XX","tags":null,"has_narrative":true,"complaint_id":"3209938","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2019-04-12T02:55:17.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["In <em>XXXX</em> <em>XXXX</em>, I walked into bank of America in <em>XXXX</em>, Ca. I opened a Secured Credit Card. I gave the associate {$500.00} for my <em>deposit</em>. In <em>XXXX</em> <em>after</em> using my cards availible <em>XXXX</em> <em>dollars</em>. I went to the same bank, spoke to the same person, and asked him close my account because I could not afford to pay the payments. I requested the <em>deposit</em> to be used to cover my usage."]},"sort":[16.014503,"3209938"]},{"_index":"complaint-public-v1","_id":"1459040","_score":15.993437,"_source":{"product":"Mortgage","complaint_what_happened":"I applied for a mortgage with Academy Mortgage in XXXX 2015 in the State of XXXX as a first time homebuyer. I was given a good faith estimate along with my loan application which included loan origination fees and an estimate of all the fees and funds that I should anticipate to cover upon closing. The last communication I received from my loan officer, XXXX XXXX, was in XXXX when she verified that she had all of the documents required for underwriting and gave me an estimated cash to close which was around {$24000.00}. My original closing date was scheduled for XXXX XXXX, 2015. My closing was delayed until XXXX XXXX, 2015 and it was n't until XXXX XXXX that I received any additional communication from Academy Mortgage. A different loan officer/loan processor, XXXX XXXX, from XXXX contacted me and started requesting essentially all of the same documents which I had already provided to XXXX XXXX in the month of XXXX. On XXXX XXXX, 2015, I was given notice after inquiring with XXXX XXXX that my cash to close had increased by approximately {$2000.00} dollars with no real explanation as to the difference from my original GFE. I was told that she was assigned to close my file and was merely doing her job as a processor of my loan. The morning of the closing, XXXX XXXX, 2015 I finally received the HUD-1 which detailed how my loan origination fee increased and my tax escrow increased from XXXX months escrow to XXXX months escrow. This increased my amount to close by another {$500.00} dollars the morning of the closing. At the closing in the afternoon, the HUD-1 presented at the table showed another increase of an additional {$1000.00} required of the buyer to close due to a processing error. I later found out that Academy Mortgage broke apart early XXXX and all of the loans processed in XXXX by my original loan officer, XXXX XXXX, and sent up to the XXXX office of Academy Mortgage to be closed. I was not given any notice, I was left in the dark and ultimately had to place my household in financial distress in order to close on this home a few days later. According to my contract I had to either come up with the additional loan funds or risk default on the contract and forfeiture of my security deposit of {$10000.00}. Academy. My loan processor did not work on the day of either of the closings ( XXXX XXXX or XXXX XXXX ) and since I went from having a local officer to having an offer in XXXX, I had no representation from the mortgage company at the closing table and all concerns that were raised related to the mortgage were left unanswered. Mortgage was very unprofessional and unethical in the manner in which they handled me and made the home buying process very XXXX for me and my family. Our attorney estimates that Academy Mortgage held in excess of {$4000.00} of property tax escrow that is not required by the State of XXXX for home loans. This money in addition to the added loan origination fees took away my ability to buy things for my new home and pay for various utility connections after closing.","date_sent_to_company":"2015-07-09T00:48:11.000Z","issue":"Application, originator, mortgage broker","sub_product":"Conventional fixed mortgage","zip_code":"30253","tags":null,"has_narrative":true,"complaint_id":"1459040","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Academy Mortgage Corporation","date_received":"2015-07-09T00:48:10.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["A different loan officer/loan processor, <em>XXXX</em> <em>XXXX</em>, from <em>XXXX</em> contacted me and started requesting essentially all of the same documents <em>which</em> I had already provided to <em>XXXX</em> <em>XXXX</em> in the month of <em>XXXX</em>. On <em>XXXX</em> <em>XXXX</em>, 2015, I was <em>given</em> notice <em>after</em> inquiring with <em>XXXX</em> <em>XXXX</em> that my cash to close had increased by approximately {$2000.00} <em>dollars</em> with no real explanation as to the difference from my original GFE."]},"sort":[15.993437,"1459040"]},{"_index":"complaint-public-v1","_id":"6266342","_score":15.905056,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I requested the company to honor our fiduciary relationship with my consumer accounts. I gave them all the permissions they would need to act as my trustee as some of their documents claim they have power of attorney. I asked them to define U.S. Dollar and what it means. I asked them as my Trustee to allow my account to be drawn/paid down each month so I can continue to use my card for food and house hold goods for my family of XXXX. I offered to leave a balance on the amount each month for a profit to the bank. I asked them to provide me with an accounting of my account and to return to me any over payments. I gave them full authority to act in my best interest, sharing that I have XXXX and that my communication has become more difficult. I shared that if they do not do what I am requesting, they will be causing me and my family harm. I shared that I am having each and every Consumer Account that uses my social security number audited and on a phone call, I shared that it is my belief the bank draws from an account in addition to my payments. I included a {$1.00} bill taped to a filled out coupon written back to U. S. Bank as payment for that statement. The dollar was NEVER deposited, the green card was signed by a registered agent and returned. My networth with my husband is over {>= $1,000,000} and I want to be on the private banking side. Now, i requested my consumer credit to be increased. I was denied. I am being harmed again after the bank closed a credit card and used my lack of accounts as a reason and my ratio of debt to credit. They used the reporting from XXXX to determine I should be denied an extension of my own consumer credit then a paragraph later stated XXXX had nothing to do with their decision. The deceptive words on that statement make reading their documents confusing for consumers which I indicated that their information and disclosures was confusing for the public. My XXXX  report has very little on accounts open, I have XXXX public records which are in process of getting romoved from errors. The medical bill is being removed. I am being harmed, deprived, and discriminated against to even have access to my own consumer credit. The bank does not loan their own money, my signature and social security account provides securities for banks. I am the Original Creditor. The Full Faith and Credit shall be given in each State to the public Acts, Records, and judicial Proceedings of every other State.","date_sent_to_company":"2022-12-01T23:23:43.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"63368","tags":null,"has_narrative":true,"complaint_id":"6266342","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2022-12-01T22:12:49.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["The <em>dollar</em> was NEVER <em>deposited</em>, the green card was signed by a registered agent and returned. My networth with my husband is over {>= $1,000,000} and I want to be on the private banking side. Now, i requested my consumer credit to be increased. I was denied. I am being harmed again <em>after</em> the bank closed a credit card and used my lack of accounts as a reason and my ratio of debt to credit."]},"sort":[15.905056,"6266342"]},{"_index":"complaint-public-v1","_id":"3733841","_score":15.8269,"_source":{"product":"Checking or savings account","complaint_what_happened":"Consumer Financial Protection Bureau, Please allow this statement to serve as a factual recollection of the events and circumstances that transpired in or around XX/XX/XXXX and involved a demand deposit account ( DDA ) that I had with BB & T Bank ( Now called Truist Bank by Merger and Acquisition with Suntrust Bank ) - opened in or around XX/XX/XXXX. This checking account was the principal transaction account that I used to receive direct deposits from my W-2 employer, XXXX XXXX XXXX   XXXX XXXX, and to receive deposits and conduct withdrawals for both personal expenses and expenses associated with my side-gig, an XXXX XXXX. \n\nUp until the events that lead to the involuntary account closure of my account by BB & T, I did not have any issues or concerns with the services or products they provided to me as a customer. \n\nIn or around late XX/XX/XXXX, I applied for the Small Business Administration 's Economic Injury Advance after Congress replenished funding, so that the SBA may consider and process applicants from industries other than Agricultural. As an XXXX  XXXX who received compensation from private individuals and businesses for XXXX XXXX XXXX, I qualified to apply for this advance via the SBA 's COVID-19 portal. I applied for the advance and was notified via an alert from BB & T Bank on XX/XX/XXXX that a direct deposit in my name, XXXX XXXX XXXX, was received from the Small Business Administration 's Disaster Team ( SBAD ) for {$10000.00} dollars. This advance is authorized under legislation passed by Congress and signed by President Trump for contractors/small businesses experiencing financial hardship as a result of the COVID-19 Public Health Crisis. \n\nLike other similarly situated citizens, I have suffered financially from the COVID-19 crisis and the reduction in revenue due to Stay at Home orders and social distancing led to a significant decline in business and profit. As a result, I had fallen significantly behind on paying vendors for parts, making forbearance arrangements with creditors, and having to negotiate a partial payment plan with my landlord in order to ensure that once the eviction moratorium was lifted, I wouldn't be subject to eviction proceedings. I promptly sent {$800.00} to my roommate in ( 2 ) {$400.00} debit card transactions sent via XXXX XXXX 's \" XXXX XXXX '' and {$2000.00} dollars via the same format to my landlord the morning of XX/XX/XXXX. \n\nLater that afternoon, once I had left my part-time W2 position at a local XXXX XXXX I decided to go to the local branch of BB & T in XXXX, Florida ( where I had also opened my account and where I have historically conducted my financial business ) to make a withdrawal of {$6000.00} dollars to pay my outstanding invoices with automotive parts vendors like XXXX and XXXX - as well as to pay some personal expenses and catch up on utility payments. \n\nMy interaction with bank staff at the local branch was uneasy and I felt that the staff at the Teller station did not accord me with the respect one would expect as a customer. I had not yet gone home when I went to the local branch and so, I was dirty and so were my clothes. At the time I requested the {$6000.00} dollar withdrawal, the teller gave me a look as if there was no way the money I had an account was mine and she and the head teller proceeded to call the bank manager. Now, the bank manager was someone whom I have interacted with in the past and whom I thought had more than just a passing familiarity with me as we have spoken about other financial products in the past.\n\nNow, per Section 6 of the Deposit Account Agreement ( or Banking Services Agreement ), it states the following : We require prior notice for large cash withdrawals. We can refuse an order to withdraw funds in cash or to cash an item if we believe that the request is a security risk or possesses a hardship on the Bank. We may require you to accept an Official Check or electronic transfer to receive the funds. If we agree to a large cash withdrawal, you may be required to employ a courier service acceptable to us and at your risk and expense. If a large cash withdrawal is completed at a branch you will be required to sign a cash withdrawal agreement. Refusal to sign the agreement is grounds for us to revoke the cash withdrawal and require an alternate delivery for the funds. \n\nAt no point did the branch require me to make a request in advance nor did the branch indicate to me that they would be unable or the had security concerns in processing my request ( assuming {$6000.00} dollars is a large cash withdrawal - the banking services agreement which is binding on both myself and BB & T does not provide a dollar amount or range that constitutes or otherwise could be defined as a large cash withdrawal ). \n\nAt that point, the bank manager, XXXX XXXX, proceeded to interrogate me and asked me if I owned   a business. I explained that, in addition to my part-time work as a W-2 employee for the XXXX XXXX, I was also an 1099 XXXX  XXXX for various local businesses, providing XXXX   XXXX XXXX on an as-needed, per-job basis. I explained that I applied for a Small Business Administration advance as the legislation passed by Congress funding the Economic Injury Advance due to COVID-19 specifically authorized individuals like myself, an XXXX XXXX to apply and participate in the Disaster Recovery Program. \n\nIf that constitutes \" XXXX XXXX XXXX XXXX '', then yes, perhaps that meets the definition. However, I have been told that a business account is unnecessary since the majority of my income is not considered consistent ( I have weeks and months of good and bad business ) and therefore, non-employee compensation as shown on a 1099 does not constitute business income within the usual and customary meaning of owning your own business. \n\nIt was at this point that I believe branch staff and the branch manager discriminated against me by failing to fulfill the withdrawal request and it was there actions that caused the account to be restricted and quickly closed thereafter. I felt that I was discriminated against due to being a low-income accountholder. I was never able to transact in that account again, my payroll direct deposit posted the following day thankfully, but as of XX/XX/XXXX, I was informed that my account is officially closed to both credits and debits. \n\nBB & T failed to adhere to its obligations under Section 8 of the Banking Services Agreement titled \" Right to Close Account '', in which it states : You or the Bank may close your account with or without cause at any time. We shall give you either oral or written ( includes electronic ) notice of our intention to close the account. If given in writing, the notice will be sent to your address or e-mail shown on our records. In the case of oral notice, you shall have five ( 5 ) days from the date of notice to close the account. In the case of written notice, you shall have seven ( 7 ) days from the date appearing on the notice to close the account. Upon notice, you must stop conducting transactions on your account. We shall not be liable for dishonoring any items initiated after the date of the notice. In the event that you have not closed your account, ****we will close the account and mail you a check for the remaining balance in the account after deducting any applicable fees and charges. *** Closing the account does not release you from the payment of accrued fees or liability for items in process. The Bank may in its discretion close your account without prior notice if the account has a XXXX  or negative balance, or if we believe it necessary to protect the bank, its employees or others from risk, harm or loss. Any waiver by the Bank of its right to close an account for cause shall not be a waiver of our right at a later time to close your account for the same or similar reasons. We reserve the right to reject any deposit that is made to a closed account by returning the item or by crediting the item to another active account of yours.\n\nSection 8 further states : ** We reserve this right notwithstanding that the deposit may have been processed and/or that you were given a receipt for the deposit. The deposit receipt shall not constitute acceptance of funds in such instance and we shall have no liability for any items returned unpaid which are drawn on a closed account even if you attempt to make a deposit to the account. ** BB & T is not likely to return the deposit, issued to me in my name by a government agency, as doing so would create a roughly {$2000.00} dollar liability for them since their ability to collect a debt caused by their failure to conduct quality due diligence and exercising ordinary care in the handling of my account prejudices their ability to collect any deficiency balance. \n\nFurthermore, Section 12 establishes standards of care that both the accountholder, me, and the bank, BB & T, must adhere to in order to avoid liability for loss of funds. I have exercised ordinary care and have fulfilled all duties as listed including Duty to Safeguard, Duty to Cooperate, Duty to Review Account Statement, and Duty of Care. \n\nBB & T failed in its responsibilities to adhere to these same duties when its branch staff discriminated against me, as a low-income accountholder, in failing to complete the withdrawal transaction as requested by me. \n\nI want to make sure that the balance of the account, {$8100.00} as of XX/XX/XXXX, is remitted back to me promptly. BB & T Bank should not be permitted to unjustly enrich themselves by retaining funds that do not belong to them ( the funds were remitted to my account in my name ). Once BB & T verifies and confirms legal ownership of the direct deposits, both my payroll and the SBA advance - per the deposit account agreement, BB & T is required to remit those funds via certified check to me. \n\nAttached this complaint, you will find the following : ( 1 ) BB & T 's Banking Services Agreement, which both BB & T and I have agreed to be contractually bound and the terms of which we both have agreed to comply with, ( 2 ) Screenshot of my Account Balance after I was refused my withdrawal request ( They attempted to return the deposit, but were unsuccessful because the SBA Advance Deposit was in my name ) ( 3 ) Screenshot of my Account Balance as of XX/XX/XXXX - showing the deposit was credited back, but no indication that the account was closed until I called BB & T 's customer service.\n\n( 4 ) Screenshot of the Direct Deposit from the SBA showing me as the payee/beneficiary and dollar amount ( {$10000.00} ).\n\n( 5 ) Screenshot of my payroll Direct Deposit, again showing me as the payee/beneficiary.","date_sent_to_company":"2020-07-07T21:50:20.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"33606","tags":null,"has_narrative":true,"complaint_id":"3733841","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2020-07-07T20:17:44.000Z","state":"FL","company_public_response":null,"sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["Attached this complaint, you will find the following : ( 1 ) BB & T 's Banking Services Agreement, <em>which</em> both BB & T and I have agreed to be contractually bound and the terms of <em>which</em> we both have agreed to comply with, ( 2 ) Screenshot of my Account Balance <em>after</em> I was refused my withdrawal request ( They attempted to return the <em>deposit</em>, but were unsuccessful because the SBA Advance <em>Deposit</em> was in my name ) ( 3 ) Screenshot of my Account Balance as of XX/XX/<em>XXXX</em> - showing the <em>deposit</em> was credited"]},"sort":[15.8269,"3733841"]},{"_index":"complaint-public-v1","_id":"11881844","_score":15.812278,"_source":{"product":"Checking or savings account","complaint_what_happened":"this complaint is regarding capital one bank NA They have taken {$500.00} dollars of my money and wont refund it after several requests. \nmy daughter XXXX XXXX ( she lives with my ex husband XXXX XXXX ) opened an account when she was visiting me in Texas so she can access her funds in California. XXXX I am a member of capital one for several years ( 7 years or so ) but when opening her account, they asked for her social security number but no ID or she would have scanned it in. my daughter lives with my husband and is his dependent, i do not have her SSN or birth certificate XXXX it is given to him by consent of court and me. \nI gave her a check of {$500.00} from my XXXX account ( not cash ) to deposit in her account as a gift. \nShe did so by using the app on my phone which i use to deposit mobile checks. \nnow the bank claimed ID fraud saying i was stealing her ID and calling them. why would i do such a thing. i gave her money would that help me. as she called them every time she was visiting me. they ask us questions when we opened the account etc. how can we remember exact dates. they claimed money laundering. \nthey asked us to take our ID and go to the bank in texas.. we did me nad my daughter on XX/XX/XXXX. the banker did not know what to do with the ID. \nyet no refund of the money. they keep our {$500.00} ( much needed funds for my daughter ) and refuse to give it back. \ni would ask the bank give her the {$500.00} or refund me the check. \nthe bank closed the account, they promised to reopen it. we have shown them two different people two ID yet no results.","date_sent_to_company":"2025-01-31T12:08:58.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"77477","tags":null,"has_narrative":true,"complaint_id":"11881844","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-01-31T11:39:21.000Z","state":"TX","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["this complaint is regarding capital one bank NA They have taken {$500.00} <em>dollars</em> of my money and wont refund it <em>after</em> several requests. \nmy daughter <em>XXXX</em> <em>XXXX</em> ( she lives with my ex husband <em>XXXX</em> <em>XXXX</em> ) opened an account when she was visiting me in Texas so she can access her funds in California."]},"sort":[15.812278,"11881844"]},{"_index":"complaint-public-v1","_id":"9684124","_score":15.554936,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Have attempted to send a wire transfer from my US account to my joint dollar account in the XXXX XXXX - 2 times - for the purchase of an apartment in the XXXX XXXX. These, as explained below, were cancelled without explanation via an email. \nSubsequently my wife attempted to send a {$30000.00} wire directly to the seller as a good faith deposit as we are concerned that the Seller will lose patience and cancel the purchase agreement due to lack of performance by us, the Buyer. She has attempted this twice and each time it has been cancelled with explanation despite having called the Security department immediately after submitting the wire, answering all their questions and receiving assurances that all was fine. \nFirst time on XX/XX/year>, in person in a Chase branch in XXXX which was subsequently rejected with no explanation notice by email, no call, only an XXXX number ( with incorrect selection option given ). Called number without success. Retried wire again on Sunday XX/XX/XXXX using the online wire function, also spoke with a representative who changed my account type to provide a higher transaction limit. Answered all security questions successfully, and was assured that all would be well. Note - none of the representatives I spoke with would provide their full name or employee ID. For sake of good order, went to same Chase branch at XXXX Monday, XX/XX/XXXX, to follow up in person via a branch employee. We spoke with the security representative, successfully answered all questions, and was assured all was good. I then went to the airport to go to the XXXX XXXX in preparation for closings, and while waiting to board, again received email announcing wire cancellation with no explanation. I called the security review number and ultimately spoke with a supervisor. She reiterated that once a wire has been cancelled it has to be resubmitted by sender and there was nothing they could do other than to m My wife then attempted to send a wire directly to the Seller, a XXXX corporation, on Wednesday XX/XX/XXXX this time for XXXX. Same result - cancelled. Called representative. Told to try again. She did on XXXX, and called security rep ( \" XXXX '' ) immediately. Again satisfactorily answered all his questions and was assured wire would be processed. Mid morning received the usual cancellation email. \nIssues XXXX. Despite repeated requests, we have not been given any explanation as to why wires are being cancelled- it is impossible to fix a problem if you don't know what the problem is. \nXXXX. Never received any phone calls warning of cancellation or asking for more information. \nXXXX. The planned apartment purchase is now in jeopardy die to Chase 's indifference to our situation, and lack of responsiveness and explanation. \nXXXX. I have not received a promise call from a manager in the Security Department. \nXXXX. At this point, we are desperate and urgently request your involvement","date_sent_to_company":"2024-08-01T18:04:24.000Z","issue":"Other transaction problem","sub_product":"International money transfer","zip_code":"33180","tags":null,"has_narrative":true,"complaint_id":"9684124","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-08-01T16:43:21.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["She has attempted this twice and each time it has been cancelled with explanation despite having called the <em>Security</em> department immediately <em>after</em> submitting the wire, answering all their questions and receiving assurances that all was fine. \nFirst time on XX/XX/year>, in person in a Chase branch in <em>XXXX</em> <em>which</em> was subsequently rejected with no explanation notice by email, no call, only an <em>XXXX</em> number ( with incorrect selection option <em>given</em> ). Called number without success."]},"sort":[15.554936,"9684124"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":217,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":217}]}},"product":{"doc_count":217,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":60,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":51},{"key":"Savings account","doc_count":6},{"key":"Other banking product or service","doc_count":3}]}},{"key":"Debt collection","doc_count":26,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other debt","doc_count":7},{"key":"Auto debt","doc_count":6},{"key":"Rental debt","doc_count":5},{"key":"I do not know","doc_count":4},{"key":"Mortgage debt","doc_count":2},{"key":"Credit card 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