{"took":86,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":639,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6951157","_score":19.66578,"_source":{"product":"Debt collection","complaint_what_happened":"A debt of {$350.00} has been reported by XXXX Credit Bureau. They never contacted me until they reported the debt. I told them that I had paid the company already in form of security deposit. When I started renting I paid a security deposit of {$650.00}. While they actually owe me money, they instead reported a debt to my account. They told me that they will check, but they didnt. Please remove this false debt from my account. Thanks.","date_sent_to_company":"2023-05-09T11:38:01.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"60060","tags":null,"has_narrative":true,"complaint_id":"6951157","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2023-05-09T11:31:40.000Z","state":"IL","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["A debt of {$350.00} has been reported by <em>XXXX</em> Credit Bureau. They never contacted me until they reported the debt. I told them that I had <em>paid</em> the company already in form of <em>security</em> <em>deposit</em>. When I started renting I <em>paid</em> a <em>security</em> <em>deposit</em> of {$650.00}. <em>While</em> they actually owe me money, they instead reported a debt to my account. They told me that they will check, but they didnt. Please remove this false debt from my account. Thanks."],"sub_issue":["Debt was <em>paid</em>"]},"sort":[19.66578,"6951157"]},{"_index":"complaint-public-v1","_id":"7736934","_score":18.825321,"_source":{"product":"Credit card","complaint_what_happened":"I placed a security deposit of {$300.00} as collateral for a secured credit card. US Bank closed my credit card AFTER I had paid the credit card balance in full. While I am not concerned with the closure, I have never received the security deposit US Bank held. I have sent multiple requests to US Bank, including the proper address to return the deposits funds to. However, after apx 1 year, I still have not received a response from the bank or the funds that should have been returned. \n\nI am requesting that US Bank return my full security deposit plus any applicable interest to the following address ( same as on file ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX","date_sent_to_company":"2023-10-22T01:11:41.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"84020","tags":null,"has_narrative":true,"complaint_id":"7736934","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2023-10-22T00:58:57.000Z","state":"UT","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":["I placed a <em>security</em> <em>deposit</em> of {$300.00} as collateral for a secured credit card. US Bank closed my credit card AFTER I had <em>paid</em> the credit card balance in full. <em>While</em> I am not concerned with the closure, I have never received the <em>security</em> <em>deposit</em> US Bank held. I have sent multiple requests to US Bank, including the proper address to return the <em>deposits</em> funds to. However, after apx 1 year, I still have not received a response from the bank or the funds that should have been returned."]},"sort":[18.825321,"7736934"]},{"_index":"complaint-public-v1","_id":"17785479","_score":18.751379,"_source":{"product":"Debt collection","complaint_what_happened":"During my tenancy at XXXX XXXX in XXXX, FL, I purchased a property and requested an early termination from my lease agreement, the penalty was 2 months rent. Nevertheless, I see the amount still owed is more than two months rent without reducing the security deposit from it. \n\nI contacted this creditor multiple times to pay my balance and I was never ever able to get a phone call back or get the final statement while I reached out by phone and multiple in-person visits at the leasing office. I just stopped for a while looking to pay for the balance due due to early termination penalty amount minus security deposit paid. Thanks, XXXX XXXX XXXX","date_sent_to_company":"2025-11-22T04:05:36.000Z","issue":"False statements or representation","sub_product":"Rental debt","zip_code":"60622","tags":null,"has_narrative":true,"complaint_id":"17785479","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Professional Debt Mediation, Inc.","date_received":"2025-11-22T03:28:13.000Z","state":"IL","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I just stopped for a <em>while</em> looking to pay for the balance due due to early termination penalty amount minus <em>security</em> <em>deposit</em> <em>paid</em>. Thanks, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>"]},"sort":[18.751379,"17785479"]},{"_index":"complaint-public-v1","_id":"10069300","_score":18.736765,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Secured credit card was paid amount due on account balance and account was to be closed leaving the {$500.00} security deposit to cover any additional balance or to be refunded to me and neither was done. First National Bank of Omaha has been reporting the account as a charge off with unpaid balance while keeping my security deposit for XXXX XXXX now negatively impacting my credit. I have reached out to XXXX  and all XXXX credit reporting agencies as the errors on the reported amounts are obvious but no change has been made to correct this.","date_sent_to_company":"2024-09-10T01:56:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77354","tags":null,"has_narrative":true,"complaint_id":"10069300","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST NATIONAL BANK OF OMAHA","date_received":"2024-09-10T01:44:46.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Secured credit card was <em>paid</em> amount due on account balance and account was to be closed leaving the {$500.00} <em>security</em> <em>deposit</em> to cover any additional balance or to be refunded to me and neither was done. First National Bank of Omaha has been reporting the account as a charge off with unpaid balance <em>while</em> keeping my <em>security</em> <em>deposit</em> for <em>XXXX</em> <em>XXXX</em> now negatively impacting my credit."]},"sort":[18.736765,"10069300"]},{"_index":"complaint-public-v1","_id":"10080461","_score":18.604847,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Secured credit card was paid amount due on account balance and account was to be closed leaving the {$500.00} security deposit to cover any additional balance or to be refunded to me and neither was done. XXXX XXXX XXXX XXXX XXXX has been reporting the account as a charge off with unpaid balance while keeping my security deposit for XXXX XXXX now negatively impacting my credit. I have reached out to XXXX and all XXXX credit reporting agencies as the errors on the reported amounts are obvious but no change has been made to correct this.","date_sent_to_company":"2024-09-10T01:56:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77354","tags":null,"has_narrative":true,"complaint_id":"10080461","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-10T01:56:46.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Secured credit card was <em>paid</em> amount due on account balance and account was to be closed leaving the {$500.00} <em>security</em> <em>deposit</em> to cover any additional balance or to be refunded to me and neither was done. <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> has been reporting the account as a charge off with unpaid balance <em>while</em> keeping my <em>security</em> <em>deposit</em> for <em>XXXX</em> <em>XXXX</em> now negatively impacting my credit."]},"sort":[18.604847,"10080461"]},{"_index":"complaint-public-v1","_id":"10080458","_score":18.566624,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Secured credit card was paid amount due on account balance and account was to be closed leaving the {$500.00} security deposit to cover any additional balance or to be refunded to me and neither was done. XXXX XXXX XXXX XXXX XXXX has been reporting the account as a charge off with unpaid balance while keeping my security deposit for XXXX XXXX now negatively impacting my credit. I have reached out to XXXX and all XXXX credit reporting agencies as the errors on the reported amounts are obvious but no change has been made to correct this.","date_sent_to_company":"2024-09-10T01:56:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77354","tags":null,"has_narrative":true,"complaint_id":"10080458","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-10T01:56:46.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Secured credit card was <em>paid</em> amount due on account balance and account was to be closed leaving the {$500.00} <em>security</em> <em>deposit</em> to cover any additional balance or to be refunded to me and neither was done. <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> has been reporting the account as a charge off with unpaid balance <em>while</em> keeping my <em>security</em> <em>deposit</em> for <em>XXXX</em> <em>XXXX</em> now negatively impacting my credit."]},"sort":[18.566624,"10080458"]},{"_index":"complaint-public-v1","_id":"18666147","_score":18.29046,"_source":{"product":"Debt collection","complaint_what_happened":"In XX/XX/XXXX, we notified our landlord that we needed to relocate and vacate the property by the end of XX/XX/XXXX. We worked with the landlord in good faith and agreed to pay rent for XXXX and XX/XX/XXXX to allow time for re-renting the property. \n\nWe paid the full XX/XX/XXXX rent. When we attempted to pay XX/XX/XXXX rent, the landlord repeatedly declined to accept payment, stating that he wanted us to first pay additional charges he was demanding. These charges were presented in invoices totaling more than {$15000.00}, which included numerous items we disputed as excessive, unsupported, or unrelated to actual damages. \n\nWe had a security deposit of approximately {$3100.00} held by the landlord. That security deposit was sufficient to fully cover the unpaid XXXX rent the landlord later claimed was owed. \n\nThe landlord filed a lawsuit seeking the full inflated amount. On XX/XX/XXXX, the court dismissed most of the landlords claimed charges, rejecting the majority of the alleged damages. The court reduced the claim significantly and left only {$2700.00} in damages plus XXXX rent. However, the judgment did not apply credit for the security deposit, which should have been applied to the XXXX rent. \n\nAs a result, we do not owe the XXXX rent the landlord continues to claim, because it is fully offset by the security deposit already in his possession. After accounting for the security deposit, the undisputed balance owed is {$2300.00}. \n\nWe have sent payment of {$2300.00} to the landlord through his attorney as a partial payment of the undisputed amount, while a XXXX XXXX XXXXXXXX or XXXX XXXX remains pending to address the failure to apply the security deposit credit. \n\nDespite this, the landlord, through XXXX Credit Bureau ( LCB ) and XXXX, reported a debt of {$2900.00} to XXXX  on XX/XX/XXXX, before the court proceeding, and has continued to furnish and update the account while the amount remains under court review. The reported amount does not reflect the courts rulings, does not account for the security deposit, and has caused ongoing credit harm. \n\nI am requesting removal of this account while the matter remains under active court review and unresolved.","date_sent_to_company":"2026-01-12T23:08:42.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"20774","tags":null,"has_narrative":true,"complaint_id":"18666147","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LCB Rent Reporting Ltd.","date_received":"2026-01-12T22:18:00.000Z","state":"MD","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["However, the judgment did not apply credit for the <em>security</em> <em>deposit</em>, which should have been applied to the <em>XXXX</em> rent. \n\nAs a result, we do not owe the <em>XXXX</em> rent the landlord continues to claim, because it is fully offset by the <em>security</em> <em>deposit</em> already in his possession. After accounting for the <em>security</em> <em>deposit</em>, the undisputed balance owed is {$2300.00}."],"sub_issue":["Debt was <em>paid</em>"]},"sort":[18.29046,"18666147"]},{"_index":"complaint-public-v1","_id":"2760384","_score":18.088894,"_source":{"product":"Checking or savings account","complaint_what_happened":"Car rental in XXXX  held car rental from banking account for a deposit even while being paid. The  security deposit is to be held but not to be charged to bank account.  I was charge for overdraft fees and additional fees for overdraft protection. This is the second time my bank account has gotten missed up by Bank America. The money was in the savings account  also the amount is still pending and not applied. Bank of America is charging me unnecessary fees and forcing overdraft protection fees in the amount of $XXXX","date_sent_to_company":"2017-12-20T15:34:05.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"32548","tags":null,"has_narrative":true,"complaint_id":"2760384","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2017-12-20T14:50:13.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["Car rental in <em>XXXX</em>  held car rental from banking account for a <em>deposit</em> even <em>while</em> being <em>paid</em>. The  <em>security</em> <em>deposit</em> is to be held but not to be charged to bank account.  I was charge for overdraft fees and additional fees for overdraft protection. This is the second time my bank account has gotten missed up by Bank America. The money was in the savings account  also the amount is still pending and not applied."]},"sort":[18.088894,"2760384"]},{"_index":"complaint-public-v1","_id":"20816125","_score":17.84903,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint against Columbia Debt Recovery LLC ( dba Genesis ) for attempting to collect a debt that is not owed. Genesis is attempting to collect a debt of {$200.00} originating from a previous apartment lease at The XXXX XXXX XXXX. The move-out charges were fully covered by my security deposit. I previously disputed this matter with the original creditor and a prior collection agency in XX/XX/XXXX, providing proof that my security deposit was paid and sufficient to cover the final charges. \n\nWhen Genesis recently began reporting this account to my credit file, I disputed it with the credit bureaus ( investigation completed XX/XX/XXXX ) and sent a direct formal debt validation request to Genesis via Certified Mail in XX/XX/XXXX. I explicitly requested the move-in ledger to show how my security deposit was applied. \n\nOn XX/XX/XXXX, Genesis sent me a response that only contained a final move-out bill, deliberately omitting the security deposit ledger and failing to account for my withheld funds. They are in violation of the FDCPA and FCRA by refusing to properly validate the debt and investigate the missing security deposit, while continuing to report this false balance as valid to the credit bureaus. I am requesting immediate deletion of this trade line from my credit report and a cessation of all collection activities.","date_sent_to_company":"2026-03-31T18:26:58.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"78254","tags":null,"has_narrative":true,"complaint_id":"20816125","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis","date_received":"2026-03-31T18:04:04.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["Genesis is attempting to collect a debt of {$200.00} originating from a previous apartment lease at The <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>. The move-out charges were fully covered by my <em>security</em> <em>deposit</em>. I previously disputed this matter with the original creditor and a prior collection agency in XX/XX/<em>XXXX</em>, providing proof that my <em>security</em> <em>deposit</em> was <em>paid</em> and sufficient to cover the final charges."],"sub_issue":["Debt was <em>paid</em>"]},"sort":[17.84903,"20816125"]},{"_index":"complaint-public-v1","_id":"4343061","_score":17.767504,"_source":{"product":"Debt collection","complaint_what_happened":"Landlord, XXXX XXXX did not give any notice before sending an alleged damage claim to XXXX XXXX XXXX XXXX XXXX states according to Lease agreement without a forwarding address landlord did not need to contact to advise of alleged debt prior to placing on all three reporting agencies. The lease requires a forwarding address for a security deposit but not for the risk fee charged. Landlord never took a security deposit although they charged a risk fee in connection to a security deposit. Then used the laws governing security deposits to attack our credit without warning although no security deposit had been charged or paid. The risk fee was charged and paid not a security deposit and there is no move out protocol given for a risk fee. And as such, we were not required to give a forwarding address in accordance with the lease agreement signed. Landlord had mobile phone numbers and email addresses, yet made no effects to resolve this issues before attacking our credit. In addition, items listed for cleaning charges are not listed in the lease agreement. Landlord waited eights months after move out to attack our credit without warning. I've disputed this debt with the collections company. They are aware the legal forwarding address requirement is for security deposit not risk fees and no notice was given prior to placing damaging items on credit report and they have chosen to move forward with an alleged damage debt. This alleged damage debt was place on our credit at the exact time that I was submitting applications for apartments. One such complex waited three days called with a denial based on the above and has yet to put the denial and or conditional approval in writing as required by the consumer fair credit protection law. The landlord intentionally sought to damage our credit, and I am now being locked out of housing and forced to pay debt regardless of dispute because such damaging items deny one the ability to seek future rentals. The landlord used the credit reporting system as first resort while never giving us the opportunity to dispute items with them and or make payments if necessary to avoid negative credit effects.","date_sent_to_company":"2021-05-01T23:24:10.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"33569","tags":null,"has_narrative":true,"complaint_id":"4343061","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ideal Collection Services, Inc.","date_received":"2021-05-01T21:54:51.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Landlord, <em>XXXX</em> <em>XXXX</em> did not give any notice before sending an alleged damage claim to <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> states according to Lease agreement without a forwarding address landlord did not need to contact to advise of alleged debt prior to placing on all three reporting agencies. The lease requires a forwarding address for a <em>security</em> <em>deposit</em> but not for the risk fee charged. Landlord never took a <em>security</em> <em>deposit</em> although they charged a risk fee in connection to a <em>security</em> <em>deposit</em>."]},"sort":[17.767504,"4343061"]},{"_index":"complaint-public-v1","_id":"6720266","_score":17.68311,"_source":{"product":"Debt collection","complaint_what_happened":"The original creditor is a real estate agency called XXXX XXXX XXXX XXXX of an apartment I rented, where prior to move in I paid a security deposit via money order, the protocol was that in order to receive keys on move in date I had to bring a deposit, so I did. Upon move out, the company stated I didn't provide a long enough notice and also stated that I did not pay a deposit when I moved in so therefore the balance owed was for a one month rent plus several hundred for any damages and cleaning that accrued while I occupied the apartment. Which is absolutely false, I paid a deposit upon move in. Later, I found out from other neighbors that the previous manager fraudulently cashed the deposits and did not apply the money to accounts, as far as giving the notice to apartment according to State Law if the apartment remains unrented they are supposed to charge me the amount of days that it remains unoccupied, while I tried to resolve and paid for the amount of days it was unoccupied the balance still grew at an awfully high interest rate of 12 % with now a collections company, which also made zero attempts to inform me of the debt and the interest rate they go for. In conclusion, the original debtor received a payment of {$400.00} which I believed was what I owed for not providing enough of an advance notice prior to move out, which could also be argued since the apartment manager was never on duty, she later go fired.","date_sent_to_company":"2023-03-20T20:41:24.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"98031","tags":null,"has_narrative":true,"complaint_id":"6720266","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Merchants Credit Corporation","date_received":"2023-03-20T20:19:09.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["The original creditor is a real estate agency called <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> of an apartment I rented, where prior to move in I <em>paid</em> a <em>security</em> <em>deposit</em> via money order, the protocol was that in order to receive keys on move in date I had to bring a <em>deposit</em>, so I did."],"sub_issue":["Debt was <em>paid</em>"]},"sort":[17.68311,"6720266"]},{"_index":"complaint-public-v1","_id":"5168003","_score":17.680178,"_source":{"product":"Debt collection","complaint_what_happened":"While staying in XXXX XXXX, I paid rent on-time every month. When I moved out at the end of my lease everything was okay. The apartment was inspected and I received my full security deposit back with no issues. After moving, the apartment complex put fraudulent charges onto my credit account for {$550.00}. This is unfair and criminal.","date_sent_to_company":"2022-01-31T17:42:17.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"30224","tags":"Servicemember","has_narrative":true,"complaint_id":"5168003","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"ResidentCollect, Inc.","date_received":"2022-01-31T17:07:08.000Z","state":"GA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["<em>While</em> staying in <em>XXXX</em> <em>XXXX</em>, I <em>paid</em> rent on-time every month. When I moved out at the end of my lease everything was okay. The apartment was inspected and I received my full <em>security</em> <em>deposit</em> back with no issues. After moving, the apartment complex put fraudulent charges onto my credit account for {$550.00}. This is unfair and criminal."]},"sort":[17.680178,"5168003"]},{"_index":"complaint-public-v1","_id":"3863784","_score":17.39035,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I had an account with Capital One Bank, for a Capital One Platinum secured card. I had the card for about ( 4 ) months, but I decided to close the account because every time I made payments, Capital One would 1 ) Accept my payment 2 ) take money out of my bank account with XXXX XXXX XXXX 3 ) then put a \" hold '' on my credit card. I would have to get a representative with Capital One to call XXXX XXXX XXXX while I was on hold to do a 3 way call, this was very time consuming and cost me a lot of time and money so I closed the account. Anyway ... The reason why I am filing this complaint : I paid a {$200.00} security deposit on this particular account, and Capital One wont give it back!!!! It is a security deposit. I have never been late on this account. Ive always paid my balances in full every month. Ive never missed a payment. Capital One won't give my money back!!! This isn't the first time they've done this to me. I dont owe them any money, I have copies of all my statements. Years ago, I had another card with them, they did the same thing but I owed a balance and they put charge offs on my credit report ... but they still held my security deposit! They didnt just apply those charges to my security deposit, and refund me the rest like any other company would do. Capital One needs to understand ... a security deposit is a liability .... it is not their money! They have to return security deposits if their customers show good faith and have exercised good habits during the course of their business relationship. {$200.00} means a lot to me, it may not mean anything to Capital One, but this is my money not theirs!!!","date_sent_to_company":"2020-09-24T17:36:21.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"98155","tags":"Servicemember","has_narrative":true,"complaint_id":"3863784","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2020-09-24T17:21:47.000Z","state":"WA","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["The reason why I am filing this complaint : I <em>paid</em> a {$200.00} <em>security</em> <em>deposit</em> on this particular account, and Capital One wont give it back!!!! It is a <em>security</em> <em>deposit</em>. I have never been late on this account. Ive always <em>paid</em> my balances in full every month. Ive never missed a payment. Capital One won't give my money back!!! This isn't the first time they've done this to me. I dont owe them any money, I have copies of all my statements."]},"sort":[17.39035,"3863784"]},{"_index":"complaint-public-v1","_id":"14343602","_score":17.303207,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint against XXXX XXXX  XXXX for the improper handling of my secured credit card account. Prior to my arrest on XX/XX/2023, I had a secured credit card with a \\ {$500.00} deposit, which I maintained in good standing. I paid the balance down in advance, and at the time of my incarceration, there was only a small remaining balance. Due to my incarceration, I was unable to make further payments. However, instead of applying the \\ {$500.00} security deposit to the remaining balance as required under a secured credit card agreement, XXXX XXXX XXXX charged off the account and is reporting a balance still owed, while keeping the deposit. This is not permitted. The deposit is meant to be used to cover any unpaid charges. Retaining the deposit while also reporting a charge-off with a balance owed is unfair, deceptive, and a likely violation of the Fair Credit Reporting Act and Truth in Lending Act. I am requesting that XXXX XXXX XXXXXXXX immediately apply the deposit to the balance, remove any remaining amount reported as owed, delete the negative credit reporting, and send written confirmation that the issue has been resolved. If this is not corrected, I will consider pursuing legal action for the financial harm and damage to my credit.","date_sent_to_company":"2025-06-27T06:18:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95307","tags":null,"has_narrative":true,"complaint_id":"14343602","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-27T06:17:44.000Z","state":"CA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["However, instead of applying the \\ {$500.00} <em>security</em> <em>deposit</em> to the remaining balance as required under a secured credit card agreement, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> charged off the account and is reporting a balance still owed, <em>while</em> keeping the <em>deposit</em>. This is not permitted. The <em>deposit</em> is meant to be used to cover any unpaid charges."]},"sort":[17.303207,"14343602"]},{"_index":"complaint-public-v1","_id":"19261888","_score":17.285889,"_source":{"product":"Credit card","complaint_what_happened":"I applied for and was approved for a Capital One Quicksilver XXXX XXXX ( account ending in XXXX ). As required by the account terms, I submitted a {$1000.00} security deposit via XXXX from my XXXX Checking account ( ending in XXXX ) on XX/XX/year>. \nCapital One accepted and retained my deposit, then restricted the account, making the credit line completely inaccessible. I can not use the card for any transactions. Capital One is holding my {$1000.00} while providing no access to the product that deposit was intended to secure. \nCapital One has not provided a clear written explanation of why the account was restricted, what specific documentation is needed to resolve it, or a timeline for reinstatement. The account carries a {$0.00} balance.\n\nThe Capital One Customer Agreement for Consumer Secured Cards states the consumer \" may not withdraw Funds from the Security Account unless your Account is closed and paid to a {$0.00} balance '' and that Capital One \" may take up to 60 days to return any excess Collateral. '' The agreement is silent on consumer rights when an account is restricted but not closed meaning my deposit can be held indefinitely with no credit access and no clear remedy.\n\nAccepting a consumer 's security deposit and then restricting the account without providing a specific path to resolution is an unfair practice that causes substantial consumer injury.","date_sent_to_company":"2026-02-05T06:46:07.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"92618","tags":null,"has_narrative":true,"complaint_id":"19261888","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-02-05T02:53:56.000Z","state":"CA","company_public_response":null,"sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["I applied for and was approved for a Capital One Quicksilver <em>XXXX</em> <em>XXXX</em> ( account ending in <em>XXXX</em> ). As required by the account terms, I submitted a {$1000.00} <em>security</em> <em>deposit</em> via <em>XXXX</em> from my <em>XXXX</em> Checking account ( ending in <em>XXXX</em> ) on XX/XX/year>. \nCapital One accepted and retained my <em>deposit</em>, then restricted the account, making the credit line completely inaccessible. I can not use the card for any transactions."]},"sort":[17.285889,"19261888"]},{"_index":"complaint-public-v1","_id":"14343603","_score":17.285206,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint against XXXX XXXXXXXX XXXX for the improper handling of my secured credit card account. Prior to my arrest on XX/XX/year>, I had a secured credit card with a \\ {$500.00} deposit, which I maintained in good standing. I paid the balance down in advance, and at the time of my incarceration, there was only a small remaining balance. Due to my incarceration, I was unable to make further payments. However, instead of applying the \\ {$500.00} security deposit to the remaining balance as required under a secured credit card agreement, XXXX  XXXX XXXX charged off the account and is reporting a balance still owed, while keeping the deposit. This is not permitted. The deposit is meant to be used to cover any unpaid charges. Retaining the deposit while also reporting a charge-off with a balance owed is unfair, deceptive, and a likely violation of the Fair Credit Reporting Act and Truth in Lending Act. I am requesting that XXXX XXXX XXXX immediately apply the deposit to the balance, remove any remaining amount reported as owed, delete the negative credit reporting, and send written confirmation that the issue has been resolved. If this is not corrected, I will consider pursuing legal action for the financial harm and damage to my credit.","date_sent_to_company":"2025-06-27T06:18:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95307","tags":null,"has_narrative":true,"complaint_id":"14343603","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-27T06:17:44.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["However, instead of applying the \\ {$500.00} <em>security</em> <em>deposit</em> to the remaining balance as required under a secured credit card agreement, <em>XXXX</em>  <em>XXXX</em> <em>XXXX</em> charged off the account and is reporting a balance still owed, <em>while</em> keeping the <em>deposit</em>. This is not permitted. The <em>deposit</em> is meant to be used to cover any unpaid charges."]},"sort":[17.285206,"14343603"]},{"_index":"complaint-public-v1","_id":"6854099","_score":17.038322,"_source":{"product":"Debt collection","complaint_what_happened":"I rented an apartment when I moved to XXXX while my house was being built. I had a full security deposit and paid my rent timely. The apartment repeatedly flooded while I lived there because of a faulty refrigerator line and washing machine. The floors were ruined and the carpet and pad was damaged. They never fixed these things. I moved out at the end of the lease. I was in the apartment for approximately 6 months. I left the place clean and they kept my deposit without any written notification. I complained about the water damage which they never addressed. I have pictures of the flooding and damage. I have pictures of the house that I left in good condition. I was never sent any written notification from them that they were keeping my deposit. I was never contacted in writing by anyone that they were trying to collect a debt. I only noticed that there was a problem when I got a notification on my credit report. I moved in XX/XX/XXXX and moved out XX/XX/XXXX.","date_sent_to_company":"2023-05-22T17:40:10.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"37122","tags":null,"has_narrative":true,"complaint_id":"6854099","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis","date_received":"2023-04-18T12:46:56.000Z","state":"TN","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["I rented an apartment when I moved to <em>XXXX</em> <em>while</em> my house was being built. I had a full <em>security</em> <em>deposit</em> and <em>paid</em> my rent timely. The apartment repeatedly flooded <em>while</em> I lived there because of a faulty refrigerator line and washing machine. The floors were ruined and the carpet and pad was damaged. They never fixed these things. I moved out at the end of the lease. I was in the apartment for approximately 6 months."]},"sort":[17.038322,"6854099"]},{"_index":"complaint-public-v1","_id":"6585551","_score":16.935171,"_source":{"product":"Debt collection","complaint_what_happened":"I applied for an apartment at a complex called XXXX XXXX '' in XXXX. I paid a {$400.00} security deposit upon application using my credit card. I did not rent from The XXXX and asked for my security deposit to be refunded. The complex said it takes XXXX weeks to receive the deposit back. After XXXX weeks, they had not refunded my money. I called my credit card company and disputed the {$400.00} charge. My credit card company gave me a {$400.00} credit to my account as a curtesy while they did an investigation. A few days later, the XXXX refunded my {$400.00} deposit by mailing me a check. I called my credit card and cancelled the dispute The credit card company put the {$400.00} curtesy credit back into my account. I paid the {$400.00} charge with the check The XXXX sent me for {$400.00}. \nI XXXX XXXX XXXX, The XXXX turned me over to collections for the {$400.00} stating that I was refunded twice. My bank confirmed that {$400.00} was NOT refunded to The XXXX. \n\nThe collection agency refuses to prove me proof that I owe {$400.00}. They refuse to provide proper documentation outlining why The XXXX states I owe {$400.00}. The collection agency said that I can not dispute the amount as I was told by them that \" I owe it ''. The agent was very rude and hung up on me.","date_sent_to_company":"2023-03-03T13:14:56.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"201XX","tags":null,"has_narrative":true,"complaint_id":"6585551","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HW Holding, Inc","date_received":"2023-02-17T20:13:16.000Z","state":"VA","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["I applied for an apartment at a complex called <em>XXXX</em> <em>XXXX</em> '' in <em>XXXX</em>. I <em>paid</em> a {$400.00} <em>security</em> <em>deposit</em> upon application using my credit card. I did not rent from The <em>XXXX</em> and asked for my <em>security</em> <em>deposit</em> to be refunded. The complex said it takes <em>XXXX</em> weeks to receive the <em>deposit</em> back. After <em>XXXX</em> weeks, they had not refunded my money. I called my credit card company and disputed the {$400.00} charge."],"sub_issue":["Debt was <em>paid</em>"]},"sort":[16.935171,"6585551"]},{"_index":"complaint-public-v1","_id":"4389150","_score":16.696123,"_source":{"product":"Debt collection","complaint_what_happened":"Hello, I had been a resident of XXXX XXXX  XXXX XXXX XXXX XXXX Texas - XXXX for almost three years. At the time when I first rented the apartment, I paid a security deposit of USD XXXX. At the time of vacation, I was charged USD XXXX, which included reletting fee ( XXXX ), damages ( XXXX ), and cleaning charges ( XXXX ). I paid the complete amount through my credit card. In the invoice provided, they no where mentioned about the adjustment of the security deposit I paid during first renting out the apartment. \n\nWhen I realized, I tried to reach out to the XXXX XXXX  at the same address through phone as they were not available in office due to covid-19. At first, no one answers the call, which can be confirmed from the residents there, they also practice racism. Finally, I wrote them email as well and after many attempts could connect with them over the phone. The response was improper and they were not pleasant while talking. \n\nNow, they are sending me notices for paying USD XXXX via the Rent Recovery Solutions, LLC. Also, my credit history also got a hit as it has been wrongly reported. \n\nI need help.","date_sent_to_company":"2021-05-19T17:19:25.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"77407","tags":null,"has_narrative":true,"complaint_id":"4389150","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rent Recovery Solutions","date_received":"2021-05-19T16:34:14.000Z","state":"TX","company_public_response":null,"sub_issue":"Impersonated attorney, law enforcement, or government official"},"highlight":{"complaint_what_happened":["Hello, I had been a resident of <em>XXXX</em> <em>XXXX</em>  <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Texas - <em>XXXX</em> for almost three years. At the time when I first rented the apartment, I <em>paid</em> a <em>security</em> <em>deposit</em> of USD <em>XXXX</em>. At the time of vacation, I was charged USD <em>XXXX</em>, which included reletting fee ( <em>XXXX</em> ), damages ( <em>XXXX</em> ), and cleaning charges ( <em>XXXX</em> ). I <em>paid</em> the complete amount through my credit card."]},"sort":[16.696123,"4389150"]},{"_index":"complaint-public-v1","_id":"4694070","_score":16.619324,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"on XX/XX/2021 Paypal issued a decision whereby they refunded a previous tenant whom was renting my property a refund in the amount of {$1800.00} for the month of XXXX rent. The buyer paid me ( at his request ) the monthly rent payment via paypal. He lived in the property the entire time up til XXXX the day of his last rent payment and fulfilled the occupancy terms of the lease. Payment for lease = Time lived in property. He used his last payment date as the transaction he opened a dispute against me stating he had not received his security deposit back yet. First he left the property with significant damages while also I followed the Georgia OCGA code ; which states that if the tenant does not provide a forwarding mail address that I then must mail him a copy of the moveout inspection report with final accounting provided. ( It was stated in writing that he must provide forwarding mail address for final security dep if any due to be sent to, and 2. it was stated that he should participate in a move out inspection of the property 3-5 days at max after vacating. He did NOT do either. I provided the lease contract which stated these details to paypal and he paid his security deposit via a personal check drawn off renesant bank with memo note indicating security deposit. I also provided a copy of cleared check to paypal. They stated I needed to provide tracking number for shipment. I asked how or what I could get this information from as it was impossible to obtain considering the circumstances. I did provide a copy of text messages from the tenant showing where they texted me the date they vacated telling me it was empty and they were moved out. None of this helped and after 3 calls to paypal desperate for help they still gave him a refund of {$1800.00} now i owe paypal {$1800.00} and I need help to resolve this matter. one that paypal never should have been involved in to any regard, as well the tenant fraudently disputed his rent payment which he received occupancy of the property for the entire time. His security deposit was paid via a personal check not paypal and he stated in his dispute he was seeking his security deposit back. Which again the amount of damages he left when vacating was substantial and I am taking him to small claims court to resolve that matter","date_sent_to_company":"2021-09-05T18:52:09.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"30265","tags":"Servicemember","has_narrative":true,"complaint_id":"4694070","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2021-09-05T16:14:13.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["His <em>security</em> <em>deposit</em> was <em>paid</em> via a personal check not paypal and he stated in his dispute he was seeking his <em>security</em> <em>deposit</em> back. Which again the amount of damages he left when vacating was substantial and I am taking him to small claims court to resolve that matter"]},"sort":[16.619324,"4694070"]},{"_index":"complaint-public-v1","_id":"22453319","_score":16.529783,"_source":{"product":"Checking or savings account","complaint_what_happened":"As detailed in their email ( attached ) Ally Financial made an offer to me, by targeted email solicitation, that with XXXX XXXX deposits of XXXX {$1000.00}, one would get a {$300.00} bonus. {$1000.00} must be deposited within 60 days of account opening. My issue, explained to Ally many times via email and phone, is even though I went online to the Social Security website and changed my deposit bank to Ally immediately after opening the \" spending account '', Social Security takes XXXX days to change deposit accounts for monthly payments. Social Security makes payments during XXXX periods per month, and the payment date depends on your birthday- and I am always paid the last week of the month, which I can not change. The offer thus is knowingly unattainable, highly misleading, and arguably constitutes a deceptive promotional practice. owing to the Social Security agencys standard processing timeline for direct-deposit changes. Realising this might be a problem with them, though, I had organised a {$1000.00} XXXX direct payment from my employment to the account ( from XXXX, credited XXXX ), which should have met their restrictive requirements even if the first Social Security payment within 60 days was impossible ( and they do not acknowledge this deposit in their previous responses ). Ally apparently reserves the right to deem any XXXX deposit as non-qualifying at their discretion, presumably to avoid honoring their offer. Their email responses reveal that they understand the problem with Social Security XXXX deposits, because they state : \" New customers must keep in mind that some QDDs XXXX not initially take effect until XXXX payroll cycles ''. ( By the way, I am not a new customer- as I have another account with them that had previously been credited Social Security payments, so they would have known my payment dates when making me the offer ). So Ally Financial has made an offer to retired people on Social Security that they never intended to honor. And while extremely frustrated at their unfairness, and inability to communicate with any representative who has the power to resolve issues, I can not even close my accounts now because my Social Security payments will continue to be credited to that account for at least XXXX more months after I change my banking information with them.","date_sent_to_company":"2026-05-21T23:59:35.000Z","issue":"Opening an account","sub_product":"Savings account","zip_code":"74075","tags":"Older American","has_narrative":true,"complaint_id":"22453319","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2026-05-21T23:18:37.000Z","state":"OK","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive terms that were advertised"},"highlight":{"complaint_what_happened":["My issue, explained to Ally many times via email and phone, is even though I went online to the Social <em>Security</em> website and changed my <em>deposit</em> bank to Ally immediately after opening the \" spending account '', Social <em>Security</em> takes <em>XXXX</em> days to change <em>deposit</em> accounts for monthly payments. Social <em>Security</em> makes payments during <em>XXXX</em> periods per month, and the payment date depends on your birthday- and I am always <em>paid</em> the last week of the month, which I can not change."]},"sort":[16.529783,"22453319"]},{"_index":"complaint-public-v1","_id":"8069884","_score":16.208248,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"My car was totaled in a crash on the XX/XX/2023 \nI had a lease going on with around a total of {$37000.00} pending ( pending lease amount plus buyout amount ). The insurance company estimated car value at XXXX and cut a check to my leasing company ( BMW financial services ). I had intended to buy the car out at the end of the lease. Now BMW is not returning me the excess money and I also had a {$5000.00} deposit that they are refusing to send to me in addition to the overage amount. \nI have made repeated calls and tickets on their portal but they are non-responsive. \n\nThey are offering me a loyalty payment credit which I'm not interested in. I just need the excess payment returned along with my security deposit of XXXX that I had paid while signing the lease.","date_sent_to_company":"2023-12-29T04:33:49.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Lease","zip_code":"07093","tags":null,"has_narrative":true,"complaint_id":"8069884","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BMW Financial Services NA, LLC","date_received":"2023-12-29T04:11:01.000Z","state":"NJ","company_public_response":null,"sub_issue":"Termination fees or other problem when ending the lease early"},"highlight":{"complaint_what_happened":["I just need the excess payment returned along with my <em>security</em> <em>deposit</em> of <em>XXXX</em> that I had <em>paid</em> <em>while</em> signing the lease."]},"sort":[16.208248,"8069884"]},{"_index":"complaint-public-v1","_id":"2943541","_score":16.139614,"_source":{"product":"Checking or savings account","complaint_what_happened":"This complaint is about how my bank \" Capital One 360 '' handled a chargeback dispute with the merchant \" XXXX XXXX  ''.\n\nOn XX/XX/XXXX, I rented two scooters from the merchant and paid a {$500.00} security deposit. I was told by the merchant I would receive the deposit back 2 weeks after returning the scooters which I did return the same day. I never received the security deposit after two weeks so I called the merchant about it. Weeks went by without receiving the deposit back.\n\nI then filed a dispute on XX/XX/XXXX XXXX XXXX with my bank and they gave me a provisional credit while they investigated the dispute. They then took back the provisional credit back on saying the merchant had provided documentation that settled the dispute. I asked the bank to provide said documentation. They gave me a letter from the merchant stating that yes they did owe me the security deposit but otherwise did not provide documentation that they actually had returned my deposit. Apparently, to the bank, providing any documentation whatsoever was enough to favor the dispute on the side of the merchant.\n\nI then called the merchant to see if I could resolve this. They went through their documentation and informed me that the bank did a chargeback and took the money from them. The bank also took the same money from me. Now, neither the bank nor the merchant want to deal with me any further.\n\nThe bank has stolen this money from me. I have bank statements that show this transaction originally going to the merchant, then there is no transaction from them returning the deposit, then a transaction for the bank giving me the provisional credit, then a transaction from the bank taking the credit back. If the merchant is telling the truth and that the bank actually did chargeback from them, then this seems to me the bank pocketed this money from us.","date_sent_to_company":"2018-06-22T18:59:43.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"33181","tags":null,"has_narrative":true,"complaint_id":"2943541","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2018-06-22T18:01:02.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["This complaint is about how my bank \" Capital One 360 '' handled a chargeback dispute with the merchant \" <em>XXXX</em> <em>XXXX</em>  ''.\n\nOn XX/XX/<em>XXXX</em>, I rented two scooters from the merchant and <em>paid</em> a {$500.00} <em>security</em> <em>deposit</em>. I was told by the merchant I would receive the <em>deposit</em> back 2 weeks after returning the scooters which I did return the same day. I never received the <em>security</em> <em>deposit</em> after two weeks so I called the merchant about it. Weeks went by without receiving the <em>deposit</em> back."]},"sort":[16.139614,"2943541"]},{"_index":"complaint-public-v1","_id":"5232839","_score":16.118006,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Re : account ending in XXXX account ending in XXXX Capital One committed fraud, excessive charges and fees, failure to return merchant credit, failure to investigate, inaccurate malicious intentional damage to credit history. \n\nIve been trying to avoid court and resolve this amicably however capital one refused on 13 separate occasions. \n\nI found out while attempting to continue utilizing this card in 2020, however Capital one closed the accounts unbeknownst to me. Albeit, until that time every single solitary payment was timely. I called capital one and was told the payments I made bounced and because of this, the card was closed. This was not intentional or known until that point speaking to them and I found out about entering accidentally incorrect account number by one digit, and it did not go through several times. I explained to another representative this and was told nothing further to be done and they were closed. I awaited my security deposit back, knowing there was {$500.00} I gave them months ago for the secured card for account number ending in XXXX, I also received a merchant credit. Capital one never returned these funds. I was calling and sending in many letters to resolve this and find out where my security deposit was, and why this merchant credit was never issued back to me. Nobody investigated, they stated they would note and look into it further. I did not give up because I signed with Capital one to improve my credit not to destroy it and my life. I did not want to be taken advantage of and let them know they need to return my funds, and that I do not owe them anything. This is genuinely what I thought to be true and I just. Four months later I received a several page letter from Capital One explaining what happened. It was throughly investigated and they informed me the merchant credit was applied to funds I owed on the card and there was no longer any security deposit due to funds utilized. I am still unclear as to what really occurred. I do know if I was notified of what was done with the merchant credit of {$800.00}, I would not be in this mess. Nobody called me, no notation on any bill regarding these funds being applied. After I read this investigational letter and having further clarity, I immediately paid the accounts. \nHowever Capital One was not done with me and they reported late payments to all the credit bureaus. They should not have done this and it was not under their authority since I filed a dispute on the phone with the representatives about the merchant credit not being applied. Payment was made late due to capital one not having answers for me and taking four months to investigate. After they finally looked into this, I paid immediately yet Capital one reports to credit bureaus inaccurately that I was late as if I did not have the money or was negligent and reckless with payments. This is simply untrue and what they have done is literally costing my life as my credit decreased XXXX points with the derogatory information capital one is reporting. I have 18 documents and one entire page filled with representatives I spoke to attempting to resolve this, even before it went this far, and this was not looked into until four months later. \n\nI am requesting a deletion of this inaccurate derogatory reporting. The payments were not paid because I filed a dispute believing I was owed my security deposit back and the merchant credit. I should not be punished for this investigation not being resolved until four months later. \n\nThese payments would never have been late if I capital one informed me how a credit was applied and why my security deposit was not going to be given back to me. Capital one has accountability here as while the dispute was in process, no late payments should have been reported. The amounts I was disputing was for my merchant credit and security deposit. You had an obligation to investigate and you did, albeit four months later while reporting inaccurate, misleading derogatory information. \n\n\nPlease delete the tradelines ending in XXXX and XXXX.","date_sent_to_company":"2022-02-17T20:49:05.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"10019","tags":"Servicemember","has_narrative":true,"complaint_id":"5232839","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2022-02-17T20:09:42.000Z","state":"NY","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["The amounts I was disputing was for my merchant credit and <em>security</em> <em>deposit</em>. You had an obligation to investigate and you did, albeit four months later <em>while</em> reporting inaccurate, misleading derogatory information. \n\n\nPlease delete the tradelines ending in <em>XXXX</em> and <em>XXXX</em>."]},"sort":[16.118006,"5232839"]},{"_index":"complaint-public-v1","_id":"13196454","_score":15.955361,"_source":{"product":"Debt collection","complaint_what_happened":"I disputed the charges XXXX XXXXXXXX claimed I owed because they failed to provide clear, respectful answers to my questions about improper fees, my missing security deposit, and unexplained charges after move-out. Despite my requestsXXXX XXXX only sent repeated bills without proof justifying the charges. XXXX, the collection agency now handling the debt, is also refusing to address my disputes and is only offering the same bills while trying to collect a lower amount than XXXX originally claimed. This inconsistency suggests the debt may have already been paid by XXXX  and I have not received proper documentation or answers explaining why I allegedly owe anything. I am requesting the return of my {$150.00} deposit or a full documented breakdown justifying its withholding, along with the removal of this debt from my record.","date_sent_to_company":"2025-04-26T14:47:29.000Z","issue":"False statements or representation","sub_product":"Rental debt","zip_code":"77598","tags":null,"has_narrative":true,"complaint_id":"13196454","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Optio Solutions, LLC","date_received":"2025-04-26T14:18:53.000Z","state":"TX","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I disputed the charges <em>XXXX</em> XXXXXXXX claimed I owed because they failed to provide clear, respectful answers to my questions about improper fees, my missing <em>security</em> <em>deposit</em>, and unexplained charges after move-out. Despite my requests<em>XXXX</em> <em>XXXX</em> only sent repeated bills without proof justifying the charges."]},"sort":[15.955361,"13196454"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":639,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":639}]}},"product":{"doc_count":639,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":195,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":163},{"key":"Other banking product or service","doc_count":17},{"key":"Savings account","doc_count":12},{"key":"CD (Certificate of Deposit)","doc_count":3}]}},{"key":"Debt collection","doc_count":137,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Rental debt","doc_count":43},{"key":"Other debt","doc_count":37},{"key":"Credit card debt","doc_count":21},{"key":"Mortgage debt","doc_count":13},{"key":"Auto debt","doc_count":8},{"key":"I do not know","doc_count":8},{"key":"Credit card","doc_count":2},{"key":"Other (i.e. phone, health club, etc.)","doc_count":2},{"key":"Medical debt","doc_count":1},{"key":"Payday loan debt","doc_count":1},{"key":"Telecommunications debt","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":53,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Domestic (US) money transfer","doc_count":19},{"key":"Mobile or digital wallet","doc_count":14},{"key":"Virtual currency","doc_count":9},{"key":"International money transfer","doc_count":6},{"key":"Check cashing service","doc_count":2},{"key":"Traveler's check or cashier's check","doc_count":2},{"key":"Money order, traveler's check or cashier's check","doc_count":1}]}},{"key":"Mortgage","doc_count":52,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":26},{"key":"FHA mortgage","doc_count":9},{"key":"VA mortgage","doc_count":7},{"key":"Home equity loan or line of credit (HELOC)","doc_count":6},{"key":"Conventional fixed mortgage","doc_count":2},{"key":"Other type of mortgage","doc_count":1},{"key":"Reverse mortgage","doc_count":1}]}},{"key":"Credit card or prepaid card","doc_count":47,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":34},{"key":"General-purpose prepaid card","doc_count":5},{"key":"Government benefit card","doc_count":5},{"key":"Store credit card","doc_count":3}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":43,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":41},{"key":"Other personal consumer report","doc_count":2}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":32,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":28},{"key":"Credit repair services","doc_count":2},{"key":"Other personal consumer report","doc_count":2}]}},{"key":"Credit card","doc_count":30,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":26},{"key":"Store credit card","doc_count":2}]}},{"key":"Bank account or service","doc_count":14,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":10},{"key":"Other bank product/service","doc_count":3},{"key":"Savings account","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":14,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":11},{"key":"Lease","doc_count":3}]}},{"key":"Student loan","doc_count":8,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":6},{"key":"Private student loan","doc_count":2}]}},{"key":"Credit reporting","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Debt or credit management","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt settlement","doc_count":2},{"key":"Credit repair services","doc_count":1}]}},{"key":"Prepaid card","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose prepaid card","doc_count":1},{"key":"Government benefit card","doc_count":1},{"key":"Payroll card","doc_count":1}]}},{"key":"Consumer Loan","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":2}]}},{"key":"Payday loan, title loan, or personal loan","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":1},{"key":"Personal line of credit","doc_count":1}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Personal line of credit","doc_count":1}]}}]}},"issue":{"doc_count":639,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Managing an account","doc_count":120,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Deposits and withdrawals","doc_count":55},{"key":"Problem using a debit or ATM card","doc_count":16},{"key":"Funds not handled or disbursed as instructed","doc_count":14},{"key":"Banking errors","doc_count":10},{"key":"Problem accessing account","doc_count":10},{"key":"Problem making or receiving payments","doc_count":9},{"key":"Fee problem","doc_count":5},{"key":"Cashing a check","doc_count":1}]}},{"key":"Attempts to collect debt not owed","doc_count":74,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":35},{"key":"Debt was paid","doc_count":27},{"key":"Debt was result of identity theft","doc_count":11},{"key":"Debt was already discharged in bankruptcy and is no longer owed","doc_count":1}]}},{"key":"Incorrect information on your report","doc_count":32,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account information incorrect","doc_count":15},{"key":"Account status incorrect","doc_count":8},{"key":"Information belongs to someone else","doc_count":4},{"key":"Public record information inaccurate","doc_count":3},{"key":"Personal information incorrect","doc_count":2}]}},{"key":"Closing an account","doc_count":31,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":16},{"key":"Funds not received from closed account","doc_count":12},{"key":"Can't close your account","doc_count":3}]}},{"key":"Fraud or scam","doc_count":28,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"False statements or representation","doc_count":24,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":21},{"key":"Impersonated attorney, law enforcement, or government official","doc_count":2},{"key":"Indicated you were committing crime by not paying debt","doc_count":1}]}},{"key":"Improper use of your report","doc_count":24,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":23},{"key":"Credit inquiries on your report that you don't recognize","doc_count":1}]}},{"key":"Trouble during payment process","doc_count":23,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Escrow, taxes, or insurance","doc_count":4},{"key":"Trying to communicate with the company to fix an issue while managing or servicing your loan","doc_count":3},{"key":"Loan sold or transferred to another company","doc_count":1},{"key":"Payment process","doc_count":1}]}},{"key":"Problem with a lender or other company charging your account","doc_count":21,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":17},{"key":"Can't stop withdrawals from your account","doc_count":2},{"key":"Money was taken from your account on the wrong day or for the wrong amount","doc_count":2}]}},{"key":"Written notification about debt","doc_count":17,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive enough information to verify debt","doc_count":9},{"key":"Didn't receive notice of right to dispute","doc_count":8}]}},{"key":"Problem with a purchase shown on your statement","doc_count":16,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":11},{"key":"Card was charged for something you did not purchase with the card","doc_count":5}]}},{"key":"Took or threatened to take negative or legal action","doc_count":14,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Threatened or suggested your credit would be damaged","doc_count":8},{"key":"Seized or attempted to seize your property","doc_count":3},{"key":"Collected or attempted to collect exempt funds","doc_count":2},{"key":"Threatened to arrest you or take you to jail if you do not pay","doc_count":1}]}},{"key":"Problem caused by your funds being low","doc_count":13,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Overdrafts and overdraft fees","doc_count":9},{"key":"Non-sufficient funds and associated fees","doc_count":4}]}},{"key":"Other features, terms, or problems","doc_count":12,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":8},{"key":"Problem with balance transfer","doc_count":1},{"key":"Problem with cash advances","doc_count":1},{"key":"Problem with customer service","doc_count":1},{"key":"Problem with rewards from credit card","doc_count":1}]}},{"key":"Struggling to pay mortgage","doc_count":12,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Foreclosure","doc_count":3},{"key":"Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu","doc_count":1},{"key":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure","doc_count":1}]}},{"key":"Opening an account","doc_count":10,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive terms that were advertised","doc_count":5},{"key":"Unable to open an account","doc_count":4},{"key":"Account opened without my consent or knowledge","doc_count":1}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":10,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":5},{"key":"Investigation took more than 30 days","doc_count":4},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":1}]}},{"key":"Applying for a mortgage or refinancing an existing mortgage","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trying to communicate with the company to fix an issue with the application process","doc_count":3},{"key":"Delays in the application process","doc_count":1}]}},{"key":"Account opening, closing, or management","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Closing your account","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":8}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with personal statement of dispute","doc_count":4},{"key":"Their investigation did not fix an error on your report","doc_count":4}]}},{"key":"Other transaction problem","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Closing on a mortgage","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Dealing with your lender or servicer","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Received bad information about your loan","doc_count":3},{"key":"Trouble with how payments are being handled","doc_count":3}]}},{"key":"Getting a credit card","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Application denied","doc_count":5},{"key":"Card opened as result of identity theft or fraud","doc_count":1}]}},{"key":"Money was not available when promised","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem when making payments","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem during payment process","doc_count":3},{"key":"You never received your bill or did not know a payment was due","doc_count":3}]}},{"key":"Advertising and marketing, including promotional offers","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive advertised or promotional terms","doc_count":3},{"key":"Confusing or misleading advertising about the credit card","doc_count":2}]}},{"key":"Problem with a purchase or transfer","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Charged for a purchase or transfer you did not make with the card","doc_count":3},{"key":"Card company isn't resolving a dispute about a purchase or transfer","doc_count":2}]}},{"key":"Credit monitoring or identity theft protection services","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing dispute for services","doc_count":4}]}},{"key":"Deposits and withdrawals","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Getting a loan or lease","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit denial","doc_count":2},{"key":"Fraudulent loan","doc_count":2}]}},{"key":"Managing the loan or lease","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with fees charged","doc_count":2},{"key":"Billing problem","doc_count":1},{"key":"Problem with additional products or services purchased with the loan","doc_count":1}]}},{"key":"Trouble using your card","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Can't use card to make purchases","doc_count":3},{"key":"Credit card company won't increase or decrease your credit limit","doc_count":1}]}},{"key":"Communication tactics","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Frequent or repeated calls","doc_count":3}]}},{"key":"Incorrect information on credit report","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account status","doc_count":3}]}},{"key":"Problem getting a card or closing an account","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trouble closing card","doc_count":2},{"key":"Don't want a card provided by your employer or the government","doc_count":1}]}},{"key":"Problems at the end of the loan or lease","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem related to refinancing","doc_count":1},{"key":"Problem while selling or giving up the vehicle","doc_count":1},{"key":"Termination fees or other problem when ending the lease early","doc_count":1}]}},{"key":"Struggling to pay your loan","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Lender trying to repossess or disable the vehicle","doc_count":1},{"key":"Loan balance remaining after the vehicle is repossessed and sold","doc_count":1}]}},{"key":"Trouble accessing funds in your mobile or digital wallet","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Trouble using the card","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem using the card to withdraw money from an ATM","doc_count":1},{"key":"Problem with direct deposit","doc_count":1},{"key":"Trouble using the card to spend money in a store or online","doc_count":1}]}},{"key":"Unauthorized transactions or other transaction problem","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Charged upfront or unexpected fees","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Confusing or misleading advertising or marketing","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Confusing or missing disclosures","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Fees or interest","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with fees","doc_count":2}]}},{"key":"Taking out the loan or lease","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Taking/threatening an illegal action","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Seized/Attempted to seize property","doc_count":2}]}},{"key":"Unexpected or other fees","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Application, originator, mortgage broker","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Dealing with my lender or servicer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trouble with how payments are handled","doc_count":1}]}},{"key":"Didn't provide services promised","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Disclosure verification of debt","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Not given enough info to verify debt","doc_count":1}]}},{"key":"Electronic communications","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"You told them to stop contacting you, but they keep trying","doc_count":1}]}},{"key":"Loan servicing, payments, escrow account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Lost or stolen check","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Managing, opening, or closing your mobile wallet account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Overdraft, savings, or rewards features","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Payoff process","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with a company's investigation into an existing issue","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Investigation took more than 30 days","doc_count":1}]}},{"key":"Problem with the payoff process at the end of the loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problems caused by my funds being low","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Repossession","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Lender trying to repossess or disable the vehicle","doc_count":1}]}},{"key":"Rewards","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Struggling to pay your bill","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company won't work with you while you're going through financial hardship","doc_count":1}]}},{"key":"Struggling to repay your loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem lowering your monthly payments","doc_count":1}]}},{"key":"Threatened to contact someone or share information improperly","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Talked to a third-party about your debt","doc_count":1}]}},{"key":"Using a debit or ATM card","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Wrong amount charged or received","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":639,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":628},{"key":"No","doc_count":11}]}},"company_response":{"doc_count":639,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":529},{"key":"Closed with non-monetary relief","doc_count":57},{"key":"Closed with monetary relief","doc_count":53}]}},"submitted_via":{"doc_count":639,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":639}]}},"company":{"doc_count":639,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"JPMORGAN CHASE & CO.","doc_count":48},{"key":"WELLS FARGO & COMPANY","doc_count":41},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":33},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":30},{"key":"Experian Information Solutions Inc.","doc_count":22},{"key":"EQUIFAX, INC.","doc_count":18},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":18},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":18},{"key":"UNITED SERVICES AUTOMOBILE ASSOCIATION","doc_count":15},{"key":"U.S. BANCORP","doc_count":14},{"key":"CITIBANK, N.A.","doc_count":13},{"key":"Paypal Holdings, Inc","doc_count":12},{"key":"TD BANK US HOLDING COMPANY","doc_count":12},{"key":"DISCOVER BANK","doc_count":11},{"key":"Chime Financial Inc","doc_count":10},{"key":"HW Holding, Inc","doc_count":10},{"key":"PNC Bank N.A.","doc_count":9},{"key":"AMERICAN EXPRESS COMPANY","doc_count":8},{"key":"FAIR COLLECTIONS & OUTSOURCING, INC.","doc_count":8},{"key":"National Credit Systems,Inc.","doc_count":8},{"key":"Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis","doc_count":8},{"key":"Self Financial Inc.","doc_count":8},{"key":"T.S. Holdings","doc_count":8},{"key":"Block, Inc.","doc_count":7},{"key":"Comerica","doc_count":7},{"key":"SYNCHRONY FINANCIAL","doc_count":7},{"key":"TRUIST FINANCIAL CORPORATION","doc_count":7},{"key":"ALLY FINANCIAL INC.","doc_count":6},{"key":"BBVA FINANCIAL CORPORATION","doc_count":5},{"key":"Coinbase, Inc.","doc_count":5},{"key":"HUNTINGTON NATIONAL BANK, THE","doc_count":5},{"key":"Mr. Cooper Group Inc.","doc_count":5},{"key":"ProCollect, Inc.","doc_count":5},{"key":"FIRST HORIZON BANK","doc_count":4},{"key":"I.Q. DATA INTERNATIONAL, INC.","doc_count":4},{"key":"KEYCORP","doc_count":4},{"key":"Navient Solutions, LLC.","doc_count":4},{"key":"Netspend Corporation","doc_count":4},{"key":"PENNYMAC LOAN SERVICES, LLC.","doc_count":4},{"key":"Specialized Loan Servicing Holdings LLC","doc_count":4},{"key":"TRANSWORLD SYSTEMS INC","doc_count":4},{"key":"ADP Inc.","doc_count":3},{"key":"BMO BANK NATIONAL ASSOCIATION","doc_count":3},{"key":"Fay Servicing, LLC","doc_count":3},{"key":"STATE EMPLOYEES CREDIT UNION","doc_count":3},{"key":"SUNTRUST BANKS, INC.","doc_count":3},{"key":"Auto Trakk, LLC","doc_count":2},{"key":"BOEING EMPLOYEES' CREDIT UNION","doc_count":2},{"key":"Blitt and Gaines, P.C.","doc_count":2},{"key":"CITIZENS FINANCIAL GROUP, INC.","doc_count":2},{"key":"Caliber Home Loans, Inc.","doc_count":2},{"key":"Cascade Capital, LLC","doc_count":2},{"key":"FIFTH THIRD FINANCIAL CORPORATION","doc_count":2},{"key":"First Advantage LNS Inc.","doc_count":2},{"key":"GOLDMAN SACHS BANK USA","doc_count":2},{"key":"HSBC NORTH AMERICA HOLDINGS INC.","doc_count":2},{"key":"M&T BANK CORPORATION","doc_count":2},{"key":"Mortgage Research Center, LLC","doc_count":2},{"key":"NATIONSTAR MORTGAGE LLC","doc_count":2},{"key":"Nationwide Title Clearing, Inc.","doc_count":2},{"key":"Nelnet, Inc.","doc_count":2},{"key":"OLD NATIONAL BANCORP","doc_count":2},{"key":"PENTAGON FEDERAL CREDIT UNION","doc_count":2},{"key":"Populus Financial Group, Inc. (F/K/A Ace Cash Express)","doc_count":2},{"key":"Professional Debt Mediation, Inc.","doc_count":2},{"key":"RAS LaVrar, LLC","doc_count":2},{"key":"REGIONS FINANCIAL CORPORATION","doc_count":2},{"key":"Rent Recovery Solutions","doc_count":2},{"key":"SANTANDER HOLDINGS USA, INC.","doc_count":2},{"key":"SOFI TECHNOLOGIES, INC.","doc_count":2},{"key":"Sentry Credit, Inc.","doc_count":2},{"key":"Westlake Services, LLC","doc_count":2},{"key":"1st Franklin Financial Corporation","doc_count":1},{"key":"21ST MORTGAGE CORP.","doc_count":1},{"key":"AES/PHEAA","doc_count":1},{"key":"AMERICA FIRST FEDERAL CREDIT UNION","doc_count":1},{"key":"ARVEST BANK GROUP, INC.","doc_count":1},{"key":"AmeriHome Mortgage Company, LLC","doc_count":1},{"key":"Amsher Collection Services, Inc.","doc_count":1},{"key":"AppFolio, Inc.","doc_count":1},{"key":"Atlantic Union Bankshares, Inc.","doc_count":1},{"key":"BANK OF THE WEST","doc_count":1},{"key":"BB&T CORPORATION","doc_count":1},{"key":"BMW Financial Services NA, LLC","doc_count":1},{"key":"BYL Collection Services","doc_count":1},{"key":"Bread Financial Holdings, Inc.","doc_count":1},{"key":"Bridgecrest Acceptance Corporation","doc_count":1},{"key":"Brown and Joseph, Ltd","doc_count":1},{"key":"Bubba Hill Auto Plaza Inc","doc_count":1},{"key":"Bull City Financial Solutions, Inc","doc_count":1},{"key":"Byrider Franchising, LLC","doc_count":1},{"key":"CHARLES SCHWAB CORPORATION, THE","doc_count":1},{"key":"CHERRY TECHNOLOGIES INC.","doc_count":1},{"key":"CLGF Holdco 1, LLC","doc_count":1},{"key":"COLLECTIONS USA, INC.","doc_count":1},{"key":"COLORADO HOUSING AND FINANCE AUTHORITY","doc_count":1},{"key":"CORELOGIC INC","doc_count":1},{"key":"Consumer Collection Management. Inc","doc_count":1},{"key":"Cordoba Legal Group, PLLC.","doc_count":1},{"key":"Crown Asset Management, LLC, Duluth, GA Branch","doc_count":1},{"key":"DOLLAR MUTUAL BANCORP","doc_count":1},{"key":"Ditech Financial LLC","doc_count":1},{"key":"E*TRADE BANK","doc_count":1},{"key":"EA Holdings Corp.","doc_count":1},{"key":"ENCORE CAPITAL GROUP INC.","doc_count":1},{"key":"EdFinancial Services","doc_count":1},{"key":"FIRST NATIONAL BANK OF OMAHA","doc_count":1},{"key":"FORD MOTOR CREDIT CO.","doc_count":1},{"key":"FREEDOM FINANCIAL NETWORK","doc_count":1},{"key":"FinCo Services Inc DBA Current","doc_count":1},{"key":"Financial Management Solutions, LLC","doc_count":1},{"key":"Flagstar Bank, N.A.","doc_count":1},{"key":"Flexible Finance, Inc.","doc_count":1},{"key":"Freedom Mortgage Company","doc_count":1},{"key":"GFS II, LLC","doc_count":1},{"key":"GUARANTEED RATE INC.","doc_count":1},{"key":"HILLTOP HOLDINGS, INC","doc_count":1},{"key":"Hayt Hayt & Landau, P.L. (FL)","doc_count":1},{"key":"Home Loan Center, Inc.","doc_count":1},{"key":"INDEPENDENT BANK CORP.","doc_count":1},{"key":"INTERCONTINENTAL EXCHANGE, INC.","doc_count":1},{"key":"Ideal Collection Services, Inc.","doc_count":1},{"key":"Indie Technology DBA Found","doc_count":1},{"key":"Interstate Credit Control","doc_count":1},{"key":"InvestiNet LLC","doc_count":1},{"key":"Kimball, Tirey & St. John LLP","doc_count":1},{"key":"LAND HOME FINANCIAL SERVICES","doc_count":1},{"key":"LCB Rent Reporting Ltd.","doc_count":1},{"key":"Lendsmart, Inc.","doc_count":1},{"key":"Lloyd & McDaniel, PLC","doc_count":1},{"key":"LoanCare, LLC","doc_count":1},{"key":"MONEY SOURCE, INC., THE","doc_count":1},{"key":"MOUNTAIN AMERICA FEDERAL CREDIT UNION","doc_count":1},{"key":"Mercedes Benz Financial Services","doc_count":1},{"key":"Merchants Credit Corporation","doc_count":1},{"key":"MoneyLion Inc.","doc_count":1},{"key":"Ocwen Financial Corporation","doc_count":1},{"key":"Optio Solutions, LLC","doc_count":1},{"key":"PARAMOUNT RESIDENTIAL MORTGAGE GROUP","doc_count":1},{"key":"PATRICK A. CAREY, P.A.","doc_count":1},{"key":"Pollack & Rosen, P.A.","doc_count":1},{"key":"Prosper Marketplace, Inc.","doc_count":1},{"key":"ROBINHOOD MARKETS INC.","doc_count":1},{"key":"ROYAL UNITED MORTGAGE LLC","doc_count":1},{"key":"RUSHMORE LOAN MANAGEMENT SERVICES LLC","doc_count":1},{"key":"Receivables Management Partners, LLC","doc_count":1},{"key":"Reliant Capital Solutions, LLC","doc_count":1},{"key":"Rent Recover, LLC","doc_count":1},{"key":"RentDebt Automated Collections, LLC","doc_count":1},{"key":"ResidentCollect, Inc.","doc_count":1},{"key":"Resurgent Capital Services L.P.","doc_count":1},{"key":"Ria Envia, LLC","doc_count":1},{"key":"Rocket Mortgage, LLC","doc_count":1},{"key":"SCHOOLSFIRST FEDERAL CREDIT UNION","doc_count":1},{"key":"SELECT PORTFOLIO SERVICING, INC.","doc_count":1},{"key":"Silverman Theologou, LLP","doc_count":1},{"key":"Southwest Recovery Services, Inc.","doc_count":1},{"key":"Suttell, Hammer & White, P.S","doc_count":1},{"key":"TCF NATIONAL BANK","doc_count":1},{"key":"Tesla, Inc.","doc_count":1},{"key":"The CBE Group, Inc.","doc_count":1},{"key":"Total Card, Inc.","doc_count":1},{"key":"U.S. Collections West, Inc.","doc_count":1},{"key":"UPGRADE, INC.","doc_count":1},{"key":"United PanAm Financial Corp.","doc_count":1},{"key":"Volvo Car Financial Services U.S., LLC","doc_count":1},{"key":"WESTERN UNION COMPANY, THE","doc_count":1},{"key":"WSFS FINANCIAL CORPORATION","doc_count":1},{"key":"Winklevoss Exchange LLC","doc_count":1},{"key":"World Acceptance Corporation","doc_count":1},{"key":"ZWICKER & ASSOCIATES","doc_count":1}]}},"state":{"doc_count":639,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FL","doc_count":83},{"key":"CA","doc_count":78},{"key":"TX","doc_count":49},{"key":"GA","doc_count":40},{"key":"IL","doc_count":36},{"key":"NY","doc_count":30},{"key":"AZ","doc_count":25},{"key":"MI","doc_count":25},{"key":"NC","doc_count":23},{"key":"VA","doc_count":22},{"key":"CO","doc_count":20},{"key":"PA","doc_count":18},{"key":"MD","doc_count":17},{"key":"OH","doc_count":17},{"key":"WA","doc_count":17},{"key":"SC","doc_count":16},{"key":"MA","doc_count":13},{"key":"NJ","doc_count":10},{"key":"TN","doc_count":9},{"key":"AL","doc_count":8},{"key":"LA","doc_count":6},{"key":"AR","doc_count":5},{"key":"CT","doc_count":5},{"key":"DC","doc_count":5},{"key":"HI","doc_count":4},{"key":"ID","doc_count":4},{"key":"MN","doc_count":4},{"key":"NM","doc_count":4},{"key":"NV","doc_count":4},{"key":"DE","doc_count":3},{"key":"MO","doc_count":3},{"key":"NE","doc_count":3},{"key":"OK","doc_count":3},{"key":"OR","doc_count":3},{"key":"UT","doc_count":3},{"key":"WI","doc_count":3},{"key":"IN","doc_count":2},{"key":"MS","doc_count":2},{"key":"ND","doc_count":2},{"key":"VT","doc_count":2},{"key":"AK","doc_count":1},{"key":"IA","doc_count":1},{"key":"KS","doc_count":1},{"key":"KY","doc_count":1},{"key":"ME","doc_count":1},{"key":"RI","doc_count":1},{"key":"SD","doc_count":1},{"key":"WY","doc_count":1}]}},"company_public_response":{"doc_count":639,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":211},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":48},{"key":"Company chooses not to provide a public response","doc_count":5},{"key":"Company believes complaint represents an opportunity for improvement to better serve consumers","doc_count":4},{"key":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","doc_count":1},{"key":"Company believes complaint is the result of an isolated error","doc_count":1},{"key":"Company believes the complaint provided an opportunity to answer consumer's questions","doc_count":1},{"key":"Company disputes the facts presented in the complaint","doc_count":1}]}},"tags":{"doc_count":639,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":94},{"key":"Older American","doc_count":68},{"key":"Older American, Servicemember","doc_count":13}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[15.962343,"13196454"],"3":[14.078974,"6152873"],"4":[13.169342,"5947022"],"5":[12.416775,"14793606"],"6":[11.947351,"2980023"],"7":[11.424421,"4931021"],"8":[11.087979,"5538055"]}}}