{"took":125,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":54,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3356779","_score":26.50653,"_source":{"product":"Debt collection","complaint_what_happened":"They say I owe on a capital one account and give the last four digits to my social security card but Ive NEVER had a capital one account ever! They are call constantly to my home, cell phone and all my family members repeatedly. I would like them to stop! I NEVER HAD THE ACCOUNT NEVER!!!!!!!!!!!!!!! \nConstant harassment!!! \nIm also filling a complaint with the District Attorneys Office!!!","date_sent_to_company":"2019-09-03T19:36:08.000Z","issue":"Communication tactics","sub_product":"I do not know","zip_code":"953XX","tags":null,"has_narrative":true,"complaint_id":"3356779","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2019-08-28T17:08:40.000Z","state":"CA","company_public_response":null,"sub_issue":"Used obscene, profane, or other abusive language"},"highlight":{"complaint_what_happened":["They say I owe on a capital one account and give the last four digits to my social <em>security</em> card but Ive NEVER had a capital one account ever! They are call constantly to my home, <em>cell</em> <em>phone</em> and all my <em>family</em> <em>members</em> repeatedly. I would like them to stop! I NEVER HAD THE ACCOUNT NEVER!!!!!!!!!!!!!!! \nConstant harassment!!! \nIm also filling a complaint with the District Attorneys Office!!!"]},"sort":[26.50653,"3356779"]},{"_index":"complaint-public-v1","_id":"3228732","_score":26.322481,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/2019, I login to my Capital One Credit Card account to review activity and to make a payment like normal. I got a message to send a pin to my cell phone, which I no longer have. I told them that I no longer carry mobile devices and could they send the code to my email address like they send my monthly statement. They told that that is not an option. They are forcing customers to download their app to an electronic device to review account activity. I understand they are trying to put security controls in place, but as a consumer that should not be the only option for me to view my account online. I have other bank accounts and they also have the same security feature that allows me to receive the security code via. email. I believe this is a strategic business tactic to force customer to use their app. \n\nIn the attempt to give me other options, which I think is more of a security breach. They asked me if they can send the security code to a family member cell phone. If you are willing to send the security code to a non-customer cell phone, why you do not give me the option to receive the code via. email. This security measure is preventing me to access my credit card account online to make timely payments. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2019-05-01T20:19:58.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"75287","tags":null,"has_narrative":true,"complaint_id":"3228732","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2019-05-01T19:57:57.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["I have other bank accounts and they also have the same <em>security</em> feature that allows me to receive the <em>security</em> code via. email. I believe this is a strategic business tactic to force customer to use their app. \n\nIn the attempt to give me other options, which I think is more of a <em>security</em> breach. They asked me if they can send the <em>security</em> code to a <em>family</em> <em>member</em> <em>cell</em> <em>phone</em>."]},"sort":[26.322481,"3228732"]},{"_index":"complaint-public-v1","_id":"2838949","_score":26.291763,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I placed a Security Freeze on my Experian account on XX/XX/2017. I tried to lift the freeze, with my current and correct address and PIN for the freeze. The Experian system will not lift the freeze. I attempted to lift the security freeze through their seconday online system and was denied. The only option to lift the freeze is to mail my information to Experian. \n\nI am a US military member preparing to transfer from XXXX to California in the next week. I went on the Experian website and signed up for a free account, I was able to view my credit report. I was also able to see that I have a security freeze on my credit report. I am not able to find support for removing my security freeze other than mailing my information to Texas. \n\nWhen my family returns to the United States in the coming week we need to purchase cell phones and cars. I am afraid I will have to buy the cell phones because of the security freeze, I will not be able to use the cell phone company credit. I have searched the internet for phone numbers to call Experian, I can only find numbers for automated systems that do not help in my situation. I can not find a means to contact Experian other than by mail. \n\nI am frustrated with Experian and the non-availability to contact their organization.","date_sent_to_company":"2018-03-09T23:48:39.000Z","issue":"Identity theft protection or other monitoring services","sub_product":"Other personal consumer report","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"2838949","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-03-09T23:30:10.000Z","state":"AP","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with product or service terms changing"},"highlight":{"complaint_what_happened":["I was also able to see that I have a <em>security</em> freeze on my credit report. I am not able to find support for removing my <em>security</em> freeze other than mailing my information to Texas. \n\nWhen my <em>family</em> returns to the United States in the coming week we need to purchase <em>cell</em> <em>phones</em> and cars. I am afraid I will have to buy the <em>cell</em> <em>phones</em> because of the <em>security</em> freeze, I will not be able to use the <em>cell</em> <em>phone</em> company credit."]},"sort":[26.291763,"2838949"]},{"_index":"complaint-public-v1","_id":"3322027","_score":24.616024,"_source":{"product":"Debt collection","complaint_what_happened":"Everest Receivable Services contacted me 2 weeks ago via telephone. The agent demanded I confirm my social security number and address. I asked for the company name and nature of the business. The agent refused to give me information and then threatened that a criminal complaint had been files and a warrant was issued for my arrest and that he had been retained to serve me with paperwork at my place of employment. I asked the agent to not contact me and that if the complaint is real to contact me in writing. Now agents have called me at work repeatedly and left messages threatening to contact my employer/payroll and they have contacted family members stating that have a criminal complaint against me and need to know my whereabouts and to ask me questions. My family members have asked for the calls to stop. Agents continue to contact them several times a day. Agents call my cell phone and work number repeatedly in 5 minute intervals.","date_sent_to_company":"2019-07-29T19:08:35.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"I do not know","zip_code":"94501","tags":null,"has_narrative":true,"complaint_id":"3322027","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Everest Receivable Services Inc.","date_received":"2019-07-29T18:55:49.000Z","state":"CA","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Talked to a third-party about your debt"},"highlight":{"complaint_what_happened":["Now agents have called me at work repeatedly and left messages threatening to contact my employer/payroll and they have contacted <em>family</em> <em>members</em> stating that have a criminal complaint against me and need to know my whereabouts and to ask me questions. My <em>family</em> <em>members</em> have asked for the calls to stop. Agents continue to contact them several times a day. Agents call my <em>cell</em> <em>phone</em> and work number repeatedly in 5 minute intervals."]},"sort":[24.616024,"3322027"]},{"_index":"complaint-public-v1","_id":"2812882","_score":24.50562,"_source":{"product":"Debt collection","complaint_what_happened":"I and my family ( current and past ) members have received harassing phone calls froma person identifying themselves as XXXX XXXX, phone number, XXXX with XXXX XXXX XXXX trying to get my address ( which they have already and have left on voicemail ) to  deliver papers for a company called XXXX XXXX XXXX ( XXXX ). They call my business phone repeatedly every day, sometimes several times in a row if no answer as well as my cell phone. I contacted XXXX and asked their address so that I could send them a cease and desist letter. The person I spoke with identified himself as XXXX and refused to give me the address due to security and privacy reasons. I continued to ask the address and he hung up on me. I called back and he continued to refuse to give me the address. Ten minutes later, I received 3 calls in a row at work and one on my cell phone from a different number, XXXX, left a message on my cell number advising he was the legal representation of XXXX and received a complaint on me and needed me to call back. I did not contact them again, as I didn't see the need in arguing over the phone whom was actually harassing whom. He identified himself as XXXX XXXX, phone number, XXXX XXXX.","date_sent_to_company":"2018-02-17T12:58:09.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"75068","tags":null,"has_narrative":true,"complaint_id":"2812882","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Roycroft Management","date_received":"2018-02-13T18:14:18.000Z","state":"TX","company_public_response":null,"sub_issue":"Impersonated attorney, law enforcement, or government official"},"highlight":{"complaint_what_happened":["I and my <em>family</em> ( current and past ) <em>members</em> have received harassing <em>phone</em> calls froma person identifying themselves as XXXX XXXX, <em>phone</em> number, XXXX with XXXX XXXX XXXX trying to get my address ( which they have already and have left on voicemail ) to  deliver papers for a company called XXXX XXXX XXXX ( XXXX ). They call my business <em>phone</em> repeatedly every day, sometimes several times in a row if no answer as well as my <em>cell</em> <em>phone</em>."]},"sort":[24.50562,"2812882"]},{"_index":"complaint-public-v1","_id":"7054671","_score":23.981789,"_source":{"product":"Debt collection","complaint_what_happened":"I get calls from this company every couple years stating a repo debt unpaid. Last thing received from this company was XXXX. They call my work and several family members threating to sue me or take assets. This loan I have spoken with several employees and they could not and will not provide information I owe this debt only verbally. They contacted me at work and on cell phone along with calling family members on XXXX around XXXX XXXX  gave me several options ranging from {$9200.00} to {$1500.00} to take care of debt and only gave me 30 minutes to comply or they were sending my social security number to the courts. I spoke with attorney that stated there is a statue of limitations and they are a scam. Nothing has been filed. They called me at work this morning threating me calling me by a combination of my maiden and married last name which made no sense and stated good luck in court. Todays person was named XXXX XXXX and said he will serve me at work and home. They will not stop even telling them not to contact me or family and to contact my attorney. Please make them stop.","date_sent_to_company":"2023-05-31T15:06:11.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Auto debt","zip_code":"80537","tags":null,"has_narrative":true,"complaint_id":"7054671","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2023-05-31T15:06:08.000Z","state":"CO","company_public_response":null,"sub_issue":"Threatened to sue you for very old debt"},"highlight":{"complaint_what_happened":["They call my work and several <em>family</em> <em>members</em> threating to sue me or take assets. This loan I have spoken with several employees and they could not and will not provide information I owe this debt only verbally. They contacted me at work and on <em>cell</em> <em>phone</em> along with calling <em>family</em> <em>members</em> on XXXX around XXXX XXXX  gave me several options ranging from {$9200.00} to {$1500.00} to take care of debt and only gave me 30 minutes to comply or they were sending my social <em>security</em> number to the courts."]},"sort":[23.981789,"7054671"]},{"_index":"complaint-public-v1","_id":"8319887","_score":21.084707,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/2024, I received a call from XXXX XXXX, Senior Recovery Agent with HF Holdings , Inc . Phone : XXXX XXXX fax : XXXX Email : XXXX XXXX XXXX, com XXXX XXXX indicated to me that he was trying to collect {$6300.00} from me and stated that I had a relationship with a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and an individual with that company by the name of XXXX XXXX had purchased inventory from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX. Phone : XXXX XXXXXXXX XXXX XXXX XXXX called me on my cell phone with threatening tones and stated to me my social security number and other family members names. I informed XXXX XXXX that I had nothing to do with that company or XXXX XXXX creating a debt. He continued to make phone calls and send over documents showing that XXXX XXXX and XXXX XXXX created a debt with his client. I stated to XXXX XXXX that he was trying to fraudulently collect money from me that I don't owe, however he continues to call and harass me.","date_sent_to_company":"2024-02-09T22:07:57.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"77018","tags":"Older American","has_narrative":true,"complaint_id":"8319887","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HF Holdings","date_received":"2024-02-09T21:13:18.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["<em>Phone</em> : XXXX XXXXXXXX XXXX XXXX XXXX called me on my <em>cell</em> <em>phone</em> with threatening tones and stated to me my social <em>security</em> number and other <em>family</em> <em>members</em> names. I informed XXXX XXXX that I had nothing to do with that company or XXXX XXXX creating a debt. He continued to make <em>phone</em> calls and send over documents showing that XXXX XXXX and XXXX XXXX created a debt with his client."]},"sort":[21.084707,"8319887"]},{"_index":"complaint-public-v1","_id":"5868820","_score":20.033688,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I have an account with Venmo , LLC that was created with my old cell phone number and my existing email address. When I created the account I linked it to my primary bank account ( which is still on the account ). The handle is XXXX XXXX \n\nOn XX/XX/XXXX a family member paid {$110.00} to this account ( Payment ID : XXXX ) but I am unable to access my Venmo account and my money because I do not have access to the cell phone number I had when I created the account. I have the correct login credentials ( login and password ) but Venmo is requiring a two-factor text to verify my identity. \n\nI contacted Venmo to help me reset the account. I provided my email address and banking details at their request ( which is supposed to unlock my account ). \n\nVenmo is insisting that I provide a scan of my face and Government ID to reset my account. They specifically said not to omit or cover any information on your ID. I think I should not have to hand over this personal data to this company since I have no assurances they will use it responsibly. \n\nI find it very disconcerting that they do not have a process to unlock my account without providing them with a scan of my ID and my face. They also have no way of reaching customer service except for submitting a case through their website and waiting for someone to correspond via email. Most responsible financial institutions have a process to establish identity by answering security questions or identifying past financial transactions known only to the real account holder ( old address, mortgage lender, etc ). Its almost like they are capturing my money by design.","date_sent_to_company":"2022-08-11T20:17:29.000Z","issue":"Managing, opening, or closing your mobile wallet account","sub_product":"Mobile or digital wallet","zip_code":"190XX","tags":null,"has_narrative":true,"complaint_id":"5868820","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2022-08-11T20:00:38.000Z","state":"PA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I have an account with Venmo , LLC that was created with my old <em>cell</em> <em>phone</em> number and my existing email address. When I created the account I linked it to my primary bank account ( which is still on the account ). The handle is XXXX XXXX \n\nOn XX/XX/XXXX a <em>family</em> <em>member</em> paid {$110.00} to this account ( Payment ID : XXXX ) but I am unable to access my Venmo account and my money because I do not have access to the <em>cell</em> <em>phone</em> number I had when I created the account."]},"sort":[20.033688,"5868820"]},{"_index":"complaint-public-v1","_id":"8760698","_score":19.82358,"_source":{"product":"Checking or savings account","complaint_what_happened":"My issue is with Ally Bank - an online-only bank, so there's no XXXX XXXX XXXX to visit. On XX/XX/2024, I tried sending a XXXX payment to pay rent. They wouldn't send it and told me to call in. When I called in, I had issues with my cell phone not answering the verification call, so they couldn't authenticate me as owner of the account. After doing this multiple times ( XXXX at least ), and answering all their security questions successfully, they froze my accounts and disabled my online access. Many of the questions they asked were not security questions, but very personal, asking about family members, what XXXX I was using, and info that was not necessary to solve who I am. I was told someone in the fraud department would be contacting me within XXXX hours. I was never contacted by anyone by phone or email. I've tried calling in to the main support number and the fraud department multiple times but have never gotten any further than them telling me \" the accounts are frozen. I will let the investigator know, and they will look into it. '' Even when calling the fraud line, I was never given a case # so I could check in on the progress. No timeline other than \" soon '' was told to me, and I've not heard anything back. I have a savings account and checking account, and I can't access my money until this is resolved. My money is being held XXXX indefinitely. I have bills to pay and need access my money.","date_sent_to_company":"2024-04-12T23:34:48.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"98665","tags":null,"has_narrative":true,"complaint_id":"8760698","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2024-04-12T23:18:51.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["When I called in, I had issues with my <em>cell</em> <em>phone</em> not answering the verification call, so they couldn't authenticate me as owner of the account. After doing this multiple times ( XXXX at least ), and answering all their <em>security</em> questions successfully, they froze my accounts and disabled my online access. Many of the questions they asked were not <em>security</em> questions, but very personal, asking about <em>family</em> <em>members</em>, what XXXX I was using, and info that was not necessary to solve who I am."]},"sort":[19.82358,"8760698"]},{"_index":"complaint-public-v1","_id":"6144885","_score":19.452332,"_source":{"product":"Debt collection","complaint_what_happened":"Capital Link Management has been contacting my daughter and husband on their cell phones, one of which is a employer-provided mobile phone. They leave multiple voicemails stating they are collecting a debt for \" my first and last name '' with a threatening tone, but probably being careful with the words they use. They have sent my daughter texts. When she replies \" STOP '' to \" opt-out '', seconds later she'll receive another text from a different number. It is always a male that leaves voice messages and one actually spoke with my husband. One of the voicemails states his name is XXXX. \n\nI DO NOT owe any past due debt. My credit is excellent ( score averages around 800 ) and any lines of credit I have are in excellent standing. \n\nMy personal credentials have been in various breaches over the years, including XXXX, XXXX, etc. As a result, I have been a victim of identity theft. \" Someone '' submitted a XXXX tax return with my SSN and personal data. Thankfully the IRS have security protocols in place. Unfortunately, I can never file my federal tax returns with my SSN. I must use a TAX ID with PIN. \n\nI would like Capital Link Management to cease all communication with my family members, as I do NOT owe or have any past due debts.","date_sent_to_company":"2022-10-29T16:48:03.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"I do not know","zip_code":"450XX","tags":"Servicemember","has_narrative":true,"complaint_id":"6144885","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Capital Link Management, LLC","date_received":"2022-10-29T16:33:38.000Z","state":"OH","company_public_response":"Company believes the complaint is the result of a misunderstanding","sub_issue":"Talked to a third-party about your debt"},"highlight":{"complaint_what_happened":["Thankfully the IRS have <em>security</em> protocols in place. Unfortunately, I can never file my federal tax returns with my SSN. I must use a TAX ID with PIN. \n\nI would like Capital Link Management to cease all communication with my <em>family</em> <em>members</em>, as I do NOT owe or have any past due debts."]},"sort":[19.452332,"6144885"]},{"_index":"complaint-public-v1","_id":"3610784","_score":19.225468,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"The short story they discriminated against me using my geographical data and by seeing my family members and my ID 's. I live in the hood which any proper data would show is full of mostly poor XXXX people. \n\nOn about XX/XX/20 I called capital one to add XXXX of my family members to 1 ( XXXX ) of my 2 ( XXXX and XXXX ) accounts to help with their credit score. I checked capital one rules online about an authorized user \" An authorized  user is someone you add to your account without any additional application or credit check. They'll get a card with their name on it and share your line of credit. As the primary cardholder, you'll still be responsible for all charges and, if you have a rewards card, you'll earn on every dollar they spend. \nAdding a user wont impact your credit scoreonly the usual factors like payment history and available credit do that. As long as you use your card responsibly and make payments on time, these actions can have a positive impact on your users score. '' XXXX XXXX XXXX When I called the agent seemed helpful and everything went fine. I asked him about the rules of authorized users and made sure I submitted my family members properly. I told the agent my goal was to help them with their credit score. \n\nThe next day both my cards ( XXXX and XXXX ) were suspended and I went into a month of XXXX with capital one. When I called I got told I need to submit IDs and social security cards for me and all my family members. I asked why I'm being investigated and they told me they can't tell me until the investigation is over with. I quickly sent them all of my family 's ID 's and social security cards except for one of my brothers. We had to wait for an updated driver 's license and a new social security card since he lost his old one. \n\nEvery time I called I would be told that all the pictures were too blurry. I would then retake the pictures and was told by the agent that my photo was now fine. Next time I'll call I would be told all my pictures were blurry again and I needed to retake them. I probably sent each family members picture at least 10 times. \n\nOn XX/XX/20 my last brother 's ID and social security card arrived and now they finally had everything. I was waiting for this nightmare to be over. \n\nOn XX/XX/20 I missed a call from capital one at abut XXXX XXXX  when I was at work. I listen to the voicemail and it said to call them back when I get a chance. I tried to call them back immediately but when I did the automatic operator said the call volume was too high due to covid 19 and said for me to call back later and it hung up on me. I waited for my shift was over and called back at about XXXX XXXX. When I called I got an agent who talked down to me. She told me since I didn't call back immediately my account was permanently closed. When I told her about the covid 19 messages and how it hung up on me she told me I was wrong and didn't know how to use a cell phone. I asked for the reason my account was under investigation and now closed since the investigation was over. She was rude and made it quite clear that I wasn't going to get that information since I was no longer a capital one customer. I asked for her full name so I could make a complaint since she was being so rude. She began to laugh and then she hung up on me. \n\nI gave them everything they wanted and they still closed my accounts XXXX and XXXX. There was no reason by there own rules to check my family members ' status let alone closed my accounts. They would have been an authorized user on my account in which I'm responsible for the bill. I can't see a scam in which I would benefit from making them authorized users on my card. \n\nThe only reason I can assume my account was under investigation and closed was due to me adding authorized users in a poor XXXX neighborhood. That's the only thing that makes sense. My account was in great standing. No missed payment and I paid off the card with my tax money so I had a balance of {$0.00}. \n\nI have a really bad case of XXXX  and I'm on XXXX XXXX XXXX medication. I have a calm personality and rarely curse but the rudeness of some of the agents got me so mad that I had to curse at them. I worked 17 years in XXXX XXXX and I would never treat a customer the way they treated me. Most of their agents need to be retrained. You're supposed to deescalate not escalate. There were times I was shaking after getting off the phone with these people. \n\nI have no doubt they broke the law when it comes to race using my geographical data and by seeing my family members and my ID 's. They saw a poor XXXX family and decided to get rid of them all. \n\nI have no criminal record. I'm sure that would surprise capital one.","date_sent_to_company":"2020-04-17T07:33:55.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"14211","tags":null,"has_narrative":true,"complaint_id":"3610784","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2020-04-17T05:30:27.000Z","state":"NY","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["There were times I was shaking after getting off the <em>phone</em> with these people. \n\nI have no doubt they broke the law when it comes to race using my geographical data and by seeing my <em>family</em> <em>members</em> and my ID 's. They saw a poor XXXX <em>family</em> and decided to get rid of them all. \n\nI have no criminal record. I'm sure that would surprise capital one."]},"sort":[19.225468,"3610784"]},{"_index":"complaint-public-v1","_id":"15347526","_score":19.190248,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXX, my then-husband, XXXX confessed to me that he had a gambling addiction. He said he had emptied all of our savings, retirement funds, my inheritance, rolled over pension, rolled over XXXX and he was in debt over $ XXXX. In addition to the debt he had, he had taken out credit cards and a loan under my social security number without my knowledge. At that time, he was making minimum payments on all the accounts The next day, I ran my credit report from XXXX  and tried to see if there were any other accounts that I had not opened of my own authority. I closed all the accounts that he had open in my name, put holds on our checking, joint credit card. \n\nXXXX opened these accounts under my SSN and name, without my permission and knowledge. He used his email address, his cell phone, and his personal XXXX account to pay the balances. He had all statements sent to his email and took it upon himself to gather the mail. \n\nOn Tuesday, XX/XX/XXXX XXXX body was found with a gunshot to his head. I contacted the creditors a few days afterward and again reported fraud. \n\nI received initial letters they had received my fraud request and then within a few weeks said they would not accept my claim due to us being at the same address and a phone that was under my account. ( each of my family members had their own phones ) I have filed a police report and filed with the Attorney General.","date_sent_to_company":"2025-08-18T19:10:24.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"63301","tags":null,"has_narrative":true,"complaint_id":"15347526","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-08-18T18:28:42.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["I received initial letters they had received my fraud request and then within a few weeks said they would not accept my claim due to us being at the same address and a <em>phone</em> that was under my account. ( each of my <em>family</em> <em>members</em> had their own <em>phones</em> ) I have filed a police report and filed with the Attorney General."]},"sort":[19.190248,"15347526"]},{"_index":"complaint-public-v1","_id":"2866234","_score":19.02982,"_source":{"product":"Debt collection","complaint_what_happened":"Received several voicemails for past month from this company since I never got anything in writing from XXXX associates it sounded like a scam. Plus my family members phone as well, one person said I won a cruise?? Another saying somone taking me to court XX/XX/2018 XXXX contacted at me at my job in regards to a debt from a student loan account, representative contact me saying it was a personal issue, explained they are a law office not a dept collection agency working for XXXX XXXX trying to contact me on my cell. When I asked not to call me at work there response was, since we are a debt collector we will take it into consideration but we can contact you at work if you wil not Work with us. Asked representative for a call back number which she provided. Advised I will call in 15 mins when Im on break. \n\nCalled back at XXXX, a little later since I am at work! Reach another rep who said she was a supervisor this final landed on her desk today and the company they are working for is getting ready to take me to court. I got upset and asked who are they she explained, XXXX XXXX XXXX XXXX not a collection company a law office they have lawyers so they are able to call my job, phone or family members if they need to reach me at any time ... then went on to say she can settle a debt over the phone if I give a credit card. I explained I dont feel comfortable 1 ) I never heard about this debt. 2 ) I want something in writing 3 ) Im going to contact company before I pay anything. Her response during conversation, we will garnish your wages if we have to, asked for my social security number which I didnt provide since I have no clue who they are, said she will get a lawyer on the line. Asked for my job info, my response was the other representative just called my job why dont you know information? No response. And no they can not mail a letter but can email it including a settlement amount. If I dont pay today it will go up.i never agreed to an amount since I wanted to see something in writing. There is no company license number on letter. Took 30 mins to email letter. I explained once I receive letter and contact XXXX XXXX I will call back.","date_sent_to_company":"2018-04-05T13:18:57.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Private student loan debt","zip_code":"01854","tags":null,"has_narrative":true,"complaint_id":"2866234","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelson Cruz & Associates LLC","date_received":"2018-04-05T12:10:33.000Z","state":"MA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Threatened to sue you for very old debt"},"highlight":{"complaint_what_happened":["Plus my <em>family</em> <em>members</em> <em>phone</em> as well, one person said I won a cruise?? Another saying somone taking me to court XX/XX/2018 XXXX contacted at me at my job in regards to a debt from a student loan account, representative contact me saying it was a personal issue, explained they are a law office not a dept collection agency working for XXXX XXXX trying to contact me on my <em>cell</em>."]},"sort":[19.02982,"2866234"]},{"_index":"complaint-public-v1","_id":"12699130","_score":18.722647,"_source":{"product":"Debt collection","complaint_what_happened":"I have received multiple calls from individuals claiming to be a debt collectors or process serves acting on behalf of debt collectors. They have called my personal cell phone on my cell phone and have recently escalated to calling my family members, as well. \n\nFamily Member Calls : XX/XX/year> from ( XXXX ) XXXX at XXXXXXXX XXXX [ XXXX, CA ] The messages left on voicemail are almost identical to the messages left on my cell phone listed below, according to my family member. They state that these calls have become harassing. \n\n\nCalls to my Personal Cell Phone : XX/XX/year> from ( XXXX ) XXXX at XXXXXXXX XXXX [ XXXX, CA ] \" Hello. This is XXXX XXXX contacting you from XXXX. We have made several attempts to reach XXXX XXXX with social security number ending in XXXX. I wanted to inform you at this time, your file in the office is being finalized for further action. As stated prior, our office has made several attempts to obtain a statement from you in regard to file number XXXX. The client is asking at this point that we attach audio statements and correspondence to this claim. A default statement will be submitted that basically states you are liable for to these allegations. You have 48 hours to dispute a default statement. You or your attorney can reach me at phone number ( XXXX ) XXXX. This is a time-sensitive matter and our office has exhausted all efforts regard to file number XXXX attached to the social security number ending in XXXX. We, at this point recommend, you cover yourself accordingly with two forms of ID. This XXXX XXXX from XXXX. Have a good day. \n\nXX/XX/year> from ( XXXX ) XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA ] \" Hello. This is XXXX XXXX calling you from XXXX. I have made several attempts to contact you via phone and through mail. We have not heard back nor received any return mail concerning or attached to your name, date of birth and social security number ending in XXXX. XXXX XXXX this is time-sensitive matter. You need to contact in regard to reference number XXXX. Again it is important that I speak with XXXX XXXX in the next 24 business hours. The client reserves the right to render a default statement which basically rendering your silence as a form of admission. This is XXXX XXXX calling. You can reach me at ( XXXX ) XXXX. \n\nXX/XX/year> from ( XXXX ) XXXX at XXXX XXXX XXXX XXXXXXXX, CA ] \" Good afternoon. This is XXXX XXXX calling from XXXX. This message is intended solely for XXXX XXXX. A serious matter has been placed in our office associated with your personal information. We need to receive a statement from you or your attorney if you have one today in order tto resolve this issue quickly and release you from this matter. Your file number is XXXX and you can reach me directly at phone number ( XXXX ) XXXX. Again, this is XXXX XXXX from XXXX. Have a good day. \n\nXX/XX/year> from ( XXXX ) XXXX at XXXXXXXX XXXX  [ XXXX, TX ] \" This message is intended for XXXX XXXX. Hello, my name is XXXX XXXX with XXXX XXXX XXXX. We are calling you because we just received some legal documents in the office regarding your name and social security number and due to state and federal law, we are mandated to make you aware of the information. You can please contact our office here at ( XXXX ) XXXX or press one now to reach our office directly. It is quite important that we do speak to you and our number is ( XXXX ) XXXX. Thank you and have a good day. \n\nXX/XX/year> from XXXX at XXXXXXXX XXXX XXXX XXXX XXXX ] \" This message is for XXXX XXXX. My name is XXXX XXXX. I am a process servicer in XXXX XXXX XXXX. I have some legal documents I am scheduled to deliver to you. I have left a couple voicemails about these documents already. As of today, we have not got a Stop Order. So once again, you will need your ID on you when we do arrive. When we do come out to your place of employment have your manager or supervisor on standby, so they can be a witness, as well. This is your final notice. So, if we can come out and dont get a signature it will be turned over to the court. If you have any questions, comments, or concerns about the document you will want to give the filing party a call as soon you get this message so were on the same page. The number is XXXX. Give them your file number is XXXX as in water XXXX. If I do not get a XXXX XXXX, I will be out there. Thank you XX/XX/year> from XXXX at XXXXXXXX XXXX XXXX XXXX XXXX XXXX  \" This message is for XXXX XXXX. My name is XXXX XXXX, I am a process server from XXXX XXXX XXXX. Im giving you a call because I have some legal documents Im scheduled to deliver to you tomorrow between XXXX and XXXX either at your residence or place of employment that I need you to sign for. If you have any questions, comments, or concerns about the documents or if you do need to reschedule, it is important you give the filing party a call. The number is XXXX. Give them your file number which is XXXX as in water XXXX. If I do not get a stop order, please have your ID on you to verify who you are. If I come out to your place of employment, please have your manager or supervisor on standby so he or she can be a witness, as well. Other than that, if I do not get a stop order, I will see you tomorrow XX/XX/year> from ( XXXX ) XXXX at XXXX XXXX  [ XXXX, GA ] \" Hello. This message is for XXXX XXXX. My name is XXXX. Im calling from the office of Ameritan Group Services. I would like to speak with him in regards to a claim that has been placed here. We have it connected to his name and social security number. Please have XXXX contact the office back as soon as possible at ( XXXX ) XXXX. The case number here is XXXX. XXXX again, XXXX XXXX from XXXX. Thank you. Goodbye.","date_sent_to_company":"2025-05-06T20:23:45.000Z","issue":"Communication tactics","sub_product":"I do not know","zip_code":"94063","tags":null,"has_narrative":true,"complaint_id":"12699130","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Ameritan Group Services","date_received":"2025-03-27T23:51:11.000Z","state":"CA","company_public_response":null,"sub_issue":"Frequent or repeated calls"},"highlight":{"complaint_what_happened":["They have called my personal <em>cell</em> <em>phone</em> on my <em>cell</em> <em>phone</em> and have recently escalated to calling my <em>family</em> <em>members</em>, as well. \n\n<em>Family</em> <em>Member</em> Calls : XX/XX/year> from ( XXXX ) XXXX at XXXXXXXX XXXX [ XXXX, CA ] The messages left on voicemail are almost identical to the messages left on my <em>cell</em> <em>phone</em> listed below, according to my <em>family</em> <em>member</em>. They state that these calls have become harassing."]},"sort":[18.722647,"12699130"]},{"_index":"complaint-public-v1","_id":"1606230","_score":18.542309,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX contacted myself, my husband, and my son 's father to get ahold of my son concerning an advance payday loan from XXXX for {$130.00} from XXXX 2014. \nXXXX XXXX XXXX stated that my son committed fraud against me. XXXX XXXX stated that he worked for the Oracle Financial Group in accordance with the XXXX County Courts. He will be changed through the XXXX County Courts if my son, XXXX XXXX, does n't call by XXXX XXXX. That was the message left on my husband 's cell phone for me. \nWhen XXXX XXXX called me directly, he said about the same thing, but XXXX XXXX had to call him back by XXXX or he would have the sheriff 's department go and arrest him at work and XXXX would lose his job. \nXXXX XXXX also knew all of my previous last names, my birthday, and my social security number. XXXX XXXX also stated that he would have me arrested if XXXX did n't contact him. I am XXXX and makes me afraid because of his tone and threatening attitude. He also knows my address. \nI do not want this company or anyone associated with the Oracle Financial Group LLC to ever contact myself, or other family members again.","date_sent_to_company":"2015-10-14T16:32:40.000Z","issue":"False statements or representation","sub_product":"Payday loan","zip_code":"445XX","tags":null,"has_narrative":true,"complaint_id":"1606230","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Oracle Financial Group LLC.","date_received":"2015-10-14T16:32:39.000Z","state":"OH","company_public_response":"Company chooses not to provide a public response","sub_issue":"Impersonated an attorney or official"},"highlight":{"complaint_what_happened":["I do not want this company or anyone associated with the Oracle Financial Group LLC to ever contact myself, or other <em>family</em> <em>members</em> again."]},"sort":[18.542309,"1606230"]},{"_index":"complaint-public-v1","_id":"16226051","_score":18.329775,"_source":{"product":"Debt collection","complaint_what_happened":"A complaint against American Express regarding their ongoing and improper handling of a XXXX XXXX Credit Card account that was opened under XXXX XXXX  of XXXX XXXX  while I was serving as the XXXX XXXX. \n\nIN my role as XXXX XXXX, I opened an American Express XXXX XXXX XXXX to cover monthly operating expenses for the organization. While the card was connected to the nonprofits operations, I was required to provide my Social Security number to establish the account. Importantly, this was always understood to be a company credit card, used exclusively for XXXX business purposes and not for my personal benefit. \n\nWhen my tenure with XXXX concluded, I followed XXXX XXXX guidance and closed the account in accordance with their procedures. At that point, the debt associated with the card was the responsibility of the organization, not me personally. The current XXXX board has since declined to pay the outstanding balance. \n\nDespite this, American Express representatives have repeatedly contacted me directly, pressuring me to make payments on this corporate debt. Initially, I was told I was not personally responsible for the debt. However, more recently, I received threatening calls from American Express agents, warning that my personal credit would be negatively affected unless I made payment within the next month. This directly contradicts their earlier statements. \n\nIn addition to harassing me, American Express has contacted members of my familyspecifically my wife and my sonwho have absolutely no involvement with the XXXX credit account. \n\nTo summarize : The account was opened in the course of my duties as XXXX XXXX of XXXX XXXX  of XXXX XXXX. The XXXX due is about {$16000.00} I used my Social Security number only because it was required to establish the company card, but the card was strictly for organizational use. \n\nI closed the account upon leaving my position, per XXXX XXXX direction. \n\nAmerican Express first stated I was not responsible for the remaining debt but is now threatening my personal credit standing. \n\nAmerican Express has harassed my family members who have no connection to the account. \n\nThey call once a day, sometimes even more often. XXXX week ago, they called my son and my wife back-to-back on their cell phones.","date_sent_to_company":"2025-10-03T12:18:58.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"33324","tags":null,"has_narrative":true,"complaint_id":"16226051","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-09-28T22:05:15.000Z","state":"FL","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["American Express has harassed my <em>family</em> <em>members</em> who have no connection to the account. \n\nThey call once a day, sometimes even more often. XXXX week ago, they called my son and my wife back-to-back on their <em>cell</em> <em>phones</em>."]},"sort":[18.329775,"16226051"]},{"_index":"complaint-public-v1","_id":"3025118","_score":18.284466,"_source":{"product":"Debt collection","complaint_what_happened":"A representative of East Point Recovery ( XXXX ) XXXX-XXXX contacted me by phone regarding a debt my son has in collections. \nI believe they violated numerous articles of the FDCPA : 1. I know they have a way to contact my son directly ; they had called him earlier the same day on his personal cell phone to try and negotiate payment. \n2. They threatened that my son could be arrested for Jewelry theft for an outstanding debt to XXXX XXXX XXXX. \n3. They disclosed my sons debt to me, and that he also has a previous arrest on his record for a XXXX. That has nothing to do with debt collection, and is just malicious to contact family members regarding legal history. \n4. Upon answering the first call, they got my attention by telling me the last 4 digits of MY social security number. At this point I informed them I am not responsible for my sons debts, that they should contact HIM, please don't call me again, and hung up. \n5. They called back on an unlisted number and asked if I still owned my XXXX XXXX XXXX. Threatening, and an obvious ploy to coerce me into paying. I informed them they have no right to any of my PII as I do not do business with them, and that I didn't appreciate them revealing my information or that of my sons without cause. This time, they hung up on me. \n6. I called the number from another phone number to obtain the name of the company, and they IMMEDIATELY called that number back also in an attempt to find out why I called. \nAltogether a very unprofessional, coercive, threatening, and maligning series of phone calls. I don't know if it is their company policy to violate the rules that protect people 's rights during the debt collection process, or if this particular employee just enjoys harassing people.","date_sent_to_company":"2018-09-20T21:14:17.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"I do not know","zip_code":"857XX","tags":null,"has_narrative":true,"complaint_id":"3025118","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Eastpoint Recovery Group, Inc","date_received":"2018-09-20T20:13:13.000Z","state":"AZ","company_public_response":null,"sub_issue":"Talked to a third-party about your debt"},"highlight":{"complaint_what_happened":["That has nothing to do with debt collection, and is just malicious to contact <em>family</em> <em>members</em> regarding legal history. \n4. Upon answering the first call, they got my attention by telling me the last 4 digits of MY social <em>security</em> number. At this point I informed them I am not responsible for my sons debts, that they should contact HIM, please don't call me again, and hung up. \n5. They called back on an unlisted number and asked if I still owned my XXXX XXXX XXXX."]},"sort":[18.284466,"3025118"]},{"_index":"complaint-public-v1","_id":"1779746","_score":18.284466,"_source":{"product":"Debt collection","complaint_what_happened":"On Tuesday, XXXX/XXXX/16, at approximately XXXX I received a call from a male person identifying himself as XXXX. XXXX claimed to be calling from Everest Receivable Services, XXXX, NY XXXX. The telephone shown on monitor showed as XXXX. I have received numerous calls from unknown telephone numbers such as these and typically would not answer since my phone is private unlisted and used for work purposes only. \n\nXXXX told me he wanted to verify the mailing address of \" XXXX XXXX '' he did not pronounce my birth name in full and then when I tried to find out the reason he was calling my private cell phone number, he wanted me to verify the last XXXX digits of my social security number ( often a ploy from subjects committing identity theft fraud schemes ). He stated that he wanted to verify my address as XXXX XXXX XXXX. XXXX stated that he needed to verify my identity based on Federal Statute Requirements. Yet when I asked him to cite the code section for the Federal Statute he did not know it. \n\nI have been a victim of Identity Theft in the past and have been in contact with your agency concerning this ongoing problem. I have also filed several complaints with the Federal Trade Commission concerning problems such as this. \n\nThis consistent relentless harassment is becoming emotionally distressing and has effected me in my personal as well as my professional life. Phone calls have been made at my place of business, at my home, at my elderly parents home, and even at my family members ' personal phone numbers. \n\nI do not believe this type of business practice is appropriate, let alone lawful. \n\nWhat steps can I do to stop all this harassment?","date_sent_to_company":"2016-02-10T00:27:58.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"I do not know","zip_code":"94583","tags":null,"has_narrative":true,"complaint_id":"1779746","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Everest Receivable Services Inc.","date_received":"2016-02-10T00:27:57.000Z","state":"CA","company_public_response":"Company chooses not to provide a public response","sub_issue":"Debt is not mine"},"highlight":{"complaint_what_happened":["<em>Phone</em> calls have been made at my place of business, at my home, at my elderly parents home, and even at my <em>family</em> <em>members</em> ' personal <em>phone</em> numbers. \n\nI do not believe this type of business practice is appropriate, let alone lawful. \n\nWhat steps can I do to stop all this harassment?"]},"sort":[18.284466,"1779746"]},{"_index":"complaint-public-v1","_id":"2636068","_score":17.60048,"_source":{"product":"Debt collection","complaint_what_happened":"I got a call today on my cell phone and when I answered it they man named XXXX XXXX told me that he was with the fraud department and and my County XXXX XXXX XXXX or suing me there was a warrant for my arrest and he said it twice he did not tell me what company he was with all he told me that he was with the fraud department and I was being sued by XXXX XXXX XXXX and I asked why then he told me it was a credit card that I 've never even heard of that was taken out in 2015 and I told him I do n't I do n't know anything about it and then he told me that then he told me that I was going to be summons and I was going to court then he asked where I worked and I told him I do not work and he told me that they 're going to garnish my wages take my property take everything I have and then he told me is it well then he asked me how do I make a living and when my next check was going to be which I do n't work I explain to him that I lost my house in the flood and I 'm doing everything I can right now to get everything back together and he told me that I need to check my credit report and then he gave me my social security number over the phone the whole number and then he told me that I need to pay something today to stop proceedings and you ca n't do nothing if I do n't give them all my banking information I asked him to send me something in the mail told me that he did and that is being ignored which I have not gotten anything in the mail and then he asked me for my family members and close friends I need to ask them for money I need to give him the information and I told him I ca n't that I really do n't have any family members left but my parents are dead and he told me that I have a few days to cough up that {$520.00} I believe he said it was or I 'm going to go to court go to jail and be sued and then to call him whenever I want to give him my banking information over the phone and I said okay and thank you well the reason I know the name of the company is because I accidentally called back and he answered that with the proper name which was the winberg meditation group and I have it was an accident he called me right back and asked why I told him it was an accident he said accident right well this name this number came up as such and such and you need to tell XXXX XXXX that information I gave you on the phone you understand me","date_sent_to_company":"2017-08-17T18:21:31.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"70785","tags":null,"has_narrative":true,"complaint_id":"2636068","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Weinberg Mediation Group LLC","date_received":"2017-08-17T01:52:04.000Z","state":"LA","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Threatened to arrest you or take you to jail if you do not pay"},"highlight":{"complaint_what_happened":["number over the <em>phone</em> the whole number and then he told me that I need to pay something today to stop proceedings and you ca n't do nothing if I do n't give them all my banking information I asked him to send me something in the mail told me that he did and that is being ignored which I have not gotten anything in the mail and then he asked me for my <em>family</em> <em>members</em> and close friends I need to ask them for money I need to give him the information and I told him I ca n't that I really do n't have"]},"sort":[17.60048,"2636068"]},{"_index":"complaint-public-v1","_id":"5833752","_score":17.527184,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Hello I am severely XXXX and have XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my brother and was XXXX very bad by an ex and family members for years my mother tricked me into going on a cell phone plan with her and then reported the phone stolen and wiped out the cloud also there's been a XXXX who's been stalking me who's also affiliated with my family who stole the XXXX card that I had in a government phone that I got and got into my XXXX account changed all my passwords and somebody purchased {$450.00} worth of cryptocurrency from XXXX with my debit card I get {$840.00} a month on the XXXX o the month I had {$590.00} in the bank I want to go purchase XXXX food and there was XXXX missing from my account to XXXX they tried to say I authorized these charges which I did not there's recordings of me calling sometimes twice every day in a month crying to please give me my money back begging and pleading I literally lost my house sitting and everything I'm XXXX XXXX XXXX XXXX because of this now I'm living in a XXXX XXXX because I have nowhere else to go because the police tried to say I didn't live at my address and that's how my family was getting over on me they would call the cops every time I would come home and I would get thrown out of my own house so they threw all my stuff out on the street and on the porch and I have pictures of it they were stealing my mail and everything my sister is a witness to all this as she herself has a PFA on certain family members they stole lots of money from my grandparents and tried to coerce him to lie for them the situation is really bad now direct Express debit card services took XXXX back out of my account which left me with {$390.00} they canceled my card on the XXXX when I asked him to please lock it until I could get to the ATM in the morning and now I'm sitting here with no food no money nothing because they canceled my debit card told me to call social security and now they charged me {$20.00} for another replacement card that won't get here until Thursday this company has also charged me {$100.00} to change my address in XXXX there's something with the phone my mother gave me there's a reason she did that and I reasonably that she either tried to frame me or do something very sketchy because they were all audited by the FBI for stealing money for the pandemic I really really need help with this I'm struggling so bad I'm severely XXXX and don't know what to do I need this money to survive and I need to get money to get to somewhere safe please help me you can reach me at XXXX and my name is XXXX XXXX XXXX I also have photos of the paper direct Express debit card services/ Comerica can do it Bank sent me by the flimsy investigation they did they tried to say authorized charges in which I never even had an account in the first place.","date_sent_to_company":"2022-08-02T22:45:48.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"186XX","tags":null,"has_narrative":true,"complaint_id":"5833752","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Comerica","date_received":"2022-08-02T22:26:57.000Z","state":"PA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Hello I am severely XXXX and have XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my brother and was XXXX very bad by an ex and <em>family</em> <em>members</em> for years my mother tricked me into going on a <em>cell</em> <em>phone</em> plan with her and then reported the <em>phone</em> stolen and wiped out the cloud also there's been a XXXX who's been stalking me who's also affiliated with my <em>family</em> who stole the XXXX card that I had in a government <em>phone</em> that I got and got into my XXXX account changed all my passwords and somebody purchased {$450.00"]},"sort":[17.527184,"5833752"]},{"_index":"complaint-public-v1","_id":"3082520","_score":16.559662,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Ok so I am a victim of identity theft and I had went online numerous times tonight to try to access my free credit report but every time I put in my email and username it would display a error message stating they did not have anyone by that username and or email address and I tried resetting my email password that failed as well. So I called equifax ( or  so I thought I was speaking to a customer service representative at equifax but she kept telling me my information was not matching up and she kept asking me the same question about student loan balance well a red flag went off right there ; ok so she had told me to write a cover letter and explain that I am sending in all of this information just to confirm my identity. She gave me the phone numbers to XXXX & XXXX. I called XXXX and was being harassed about giving him my credit card information and paying a $ XXXX/a month fee for a $ XXXX/ gift card. Well he abruptly hung up on me and gave me XXXX before he hung up. I called XXXX to reach XXXX they both have my social security number ok and I am already a victim of identity theft. My ssi number is XXXX my dob is XX/XX/XXXX. My cell # is XXXX. I am requesting credit reports from all 3 of the credit bureaus because I am a. I tin of identity theft due to XXXX XXXX and my own family members have been committing cyber crimes by allowing hundreds of people have access to my camera my text messages. I have been XXXX XXXX. I have been XXXX XXXX and so much more","date_sent_to_company":"2018-12-04T22:07:03.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"193XX","tags":null,"has_narrative":true,"complaint_id":"3082520","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-11-25T21:33:55.000Z","state":"PA","company_public_response":null,"sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["I tin of identity theft due to XXXX XXXX and my own <em>family</em> <em>members</em> have been committing cyber crimes by allowing hundreds of people have access to my camera my text messages. I have been XXXX XXXX. I have been XXXX XXXX and so much more"]},"sort":[16.559662,"3082520"]},{"_index":"complaint-public-v1","_id":"1506336","_score":16.17972,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX, Settlement Director with Atlantic Recovery Solutions, LLC contacted my father via his cell phone and told him that ARS was trying to collect on a debt that I have. XXXX XXXX proceeded to email my father a document to his personal email stating that they are trying to collect a debt on behalf of XXXX. Per the FDCPA, it is illegal for a debt collector to share any information regarding a debt with a XXXX party other than the conusmer, their spouse or an attorney. My father called me and forwarded me the document that XXXX XXXX had emailed him. I immediately checked my credit report and there is no reporting of this debt with any of the XXXX credit bureau agencies. I attempted to contact XXXX XXXX to obtain more information at XXXX x XXXX and spoke with XXXX XXXX, XXXX of the account representatives, she then transferred me to XXXX XXXX at XXXX who states that she is their compliance officer. I gave XXXX XXXX my name and she asked for me to confirm my father 's phone number and his social security number. I told her that I would not give her that information. She confirmed the last XXXX digits of my SS # and proceeded to tell me that XXXX has been trying to collect a debt for unpaid overdraft fees on an account that has been inactive for XXXX years. She indicated that XXXX, the original creditor, another collection agency by the name of XXXX XXXX XXXX and finally Atlantic Recovery Solutions have been trying to contact me for XXXX years to recover this debt. I asked how they had tried to contact me and she told me they had tried to call and had sent numerous letters. I asked for the numbers that they tried to reach me-they had a list of XXXX phone numbers that they had attempted to use to contact me-only XXXX of them belonged to me, the rest were for friends and family members. She indicated that there had been numerous letters sent to me trying to collect the debt. I have not received any letters from XXXX, XXXX XXXX XXXX or Atlantic Recovery Solutions even though they have my address on record. I told her that her organization was in violation of the FDCPA by sharing my information not only over the phone with a third party but also electronically. I also requested that a letter of validation regarding the debt be sent to me.","date_sent_to_company":"2015-08-06T17:52:47.000Z","issue":"Improper contact or sharing of info","sub_product":"Other (i.e. phone, health club, etc.)","zip_code":"40356","tags":null,"has_narrative":true,"complaint_id":"1506336","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Atlantic Recovery Solutions LLC","date_received":"2015-08-06T17:52:45.000Z","state":"KY","company_public_response":"Company believes complaint represents an opportunity for improvement to better serve consumers","sub_issue":"Talked to a third party about my debt"},"highlight":{"complaint_what_happened":["I asked for the numbers that they tried to reach me-they had a list of XXXX <em>phone</em> numbers that they had attempted to use to contact me-only XXXX of them belonged to me, the rest were for friends and <em>family</em> <em>members</em>. She indicated that there had been numerous letters sent to me trying to collect the debt. I have not received any letters from XXXX, XXXX XXXX XXXX or Atlantic Recovery Solutions even though they have my address on record."],"sub_product":["Other (i.e. <em>phone</em>, health club, etc.)"]},"sort":[16.17972,"1506336"]},{"_index":"complaint-public-v1","_id":"11244711","_score":15.464056,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2024, I tried to use my debit card at the grocery store with USAA. My card was declined. I tried to get money out of my savings and it was declined. My VA protected income which is deposited into these accounts couldnt be accessed and my account was frozen/locked. I was told a letter would be sent to me and no one would tell me what happened at the bank in customer service. I got a letter in my inbox in the USAA app saying the bank had randomly decided to stop doing business with me and that they were going to be closing the account within 60 days and that any funds coming into the account would be accepted by the bank but held and at the end of the closure the bank would send out a check to my home address. \n\nI called the bank and asked to talk to XXXX  members relations.. XXXX and talked to a XXXX and XXXX XXXX who stated that they had assigned a members advocacy team member who could help us get some answers and we would hear from that person in a few minutes several hours went by and we never got a call. Its XXXX and my entire income and savings is locked up. I contacted my payroll to try and stop my paycheck and my wives from coming into the account from XXXX as well as called the VA and I was told that the checks from XXXX and the VA were cut early on the XXXX of XXXX due to the holiday. \n\nI was supposed to be on vacation at XXXX XXXX with my kids and family as their XXXX present this year and now there is nothing my kids are opening or getting for XXXX. My mortgage is due on the XXXX, my cell phone bill is due, my electric is due, all of my bills are due and facing shutoff. I have begged my car loans to give me an extension and only XXXX is working with me due tot he situation. My wife and Is credit is going to be ruined over this and we need to maintain our credit for our job with XXXX. I had to call my XXXX security and involve my entire command.. pulling people off leave so that the XXXX XXXX was aware of what was happening to our bank right now. \n\nI have no idea what is going on. I filed some disputes due to my card being stolen and used by a punk teenage friend of my daughters. I have evidence of the merchants being talked to about the situation and the banks investigations are either pending or have come back favorable. \n\nI havent been asked for any of my documents to help with anything pending, I havent been called or anything! My wife checked her records and emails and documents and she also does not have any information or missed calls. \n\nAs a consumer, veteran, and customer who has been with USAA for 15 years this has severely impacted my ability to survive for the next XXXX days. Right now I am having to borrow money from friend and family and ask for help beyond measure. Its embossing and I feel like the bank has comiited highway robbery with my money. \n\nFrom a business standpoint I understand the bank is protecting itself and is conducting investigations or finalizing disputes but I have {$4000.00} in savings and {$7500.00} in checking as of next week when my checks post from XXXX and the XXXX which they will. However, the bank should be working with me and my wife to keep any money that is being investigated and disputed and release the other funds not in question, especially my protected funding with the XXXX.","date_sent_to_company":"2024-12-21T14:31:50.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"480XX","tags":"Servicemember","has_narrative":true,"complaint_id":"11244711","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2024-12-21T14:00:47.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["I was supposed to be on vacation at XXXX XXXX with my kids and <em>family</em> as their XXXX present this year and now there is nothing my kids are opening or getting for XXXX. My mortgage is due on the XXXX, my <em>cell</em> <em>phone</em> bill is due, my electric is due, all of my bills are due and facing shutoff. I have begged my car loans to give me an extension and only XXXX is working with me due tot he situation."]},"sort":[15.464056,"11244711"]},{"_index":"complaint-public-v1","_id":"8881882","_score":15.451265,"_source":{"product":"Checking or savings account","complaint_what_happened":"I opened an account at Marcus by Goldman Sachs in XXXX XXXX. I transferred a substantial amount of money into the account. I used approximately XXXX of it to purchase a certificate of deposit, and the other half was put into a high-yield savings account. Then, on XX/XX/XXXX, I linked my XXXX account to my Marcus account and attempted to withdraw {$7000.00} so that I can purchase securities via my Robinhood account. This transaction was reversed by Marcus. This caused 2 things to happen : XXXX ) I was forced to dip into my XXXX XXXX, which has a higher borrowing rate than my XXXX  account ( a 3.5 % difference ) XXXX ) XXXX FROZE my instant deposit, a feature of my \" gold '' status which enables me to invest funds before they transferred in funds clear my bank account. Right now, it is frozen for 90 days ( from XX/XX/XXXX ) but I will lose access to that feature if I do not cover the {$7000.00} within 90 days. \n\nShortly after that happened, I got a call from Marcus asking me to return the call to discuss this transaction. I called back and this is what transpired. \n\nXXXX ) Marcus attempted to verify my identity. Even though I provided them with my address, DOB, last 4 digits of social, etc. they have a step where they need to send a \" one-time code '' to a phone number that is registered in my name. I have a prepaid account ( with XXXX at the time ; it's now switched over to XXXX XXXX XXXX  XXXX XXXX Marcus was unable to send me a code to the number that I have been using for 1.5 years because for some reason, their system does not recognize that my name is registered to my phone number. They they tried to see if verifying using my Driver 's License is possible, but unfortunately, because I am in California, it is not. The only other way was to have someone from their Fraud department open a case, which would result in someone reaching out to me within 1-3 business days. Because I had no other option, this is what happened. \n\nXXXX ) I called back 2 days later ( XX/XX/XXXX ) to attempt another conversation. At that time, I had called my cell phone carrier to ensure that my name was registered to my account, which they confirmed was the case. Once again, Marcus was unable to authenticate me. They told me again that the only other thing to do was to open the case. I asked on the status of my case that had been opened 2 days ago. The agent was unable to see it. They ended up opening another case. \n\nXXXX ) At that point, I left the issues for 2 weeks due to vacation. I called back again week of XX/XX/XXXX. By then, I had switched my cell phone carrier from XXXX to XXXX XXXX XXXX XXXX I was at the XXXX XXXX XXXX store and I saw with my own eyes the fact that they attached my name to my cell phone account. However, once again, the agent at Marcus was unable to send a \" one time code '' to my cell phone ( by the way, this is the only number that I have ). Once again, I was told that the only way to authenticate me in order to talk about my account was to send me an affidavit to confirm my identity by mail. I asked about the case that had been opened before/ affidavit that had been sent previously. They had no record of this being done. \n\nThe other thing that happened is that I attempted once again to transfer money, via the online portal TO WHICH I HAVE ACCESS AND CAN SEE MY MONEY, in order to pay my tax bill. Once again, this transaction was blocked even though my bank account and Marcus account are correctly linked. I was forced to borrow money from a family member in order to cover my tax bill. \n\nAs of today, XX/XX/XXXX, I have not received anything by mail. I have also started doing some research and it appears that many other people have experienced this issue ( as reported on reddit ) and that whenever Marcus promises to send something out by mail to confirm identity, it never happens. See XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-04-29T19:46:00.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"93933","tags":null,"has_narrative":true,"complaint_id":"8881882","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2024-04-29T19:13:24.000Z","state":"CA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["By then, I had switched my <em>cell</em> <em>phone</em> carrier from XXXX to XXXX XXXX XXXX XXXX I was at the XXXX XXXX XXXX store and I saw with my own eyes the fact that they attached my name to my <em>cell</em> <em>phone</em> account. However, once again, the agent at Marcus was unable to send a \" one time code '' to my <em>cell</em> <em>phone</em> ( by the way, this is the only number that I have )."]},"sort":[15.451265,"8881882"]},{"_index":"complaint-public-v1","_id":"2597201","_score":15.3904,"_source":{"product":"Debt collection","complaint_what_happened":"Beginning on XXXX XXXX, I received 3 back to back messages on my office line from someone stating they were Investigator XXXX XXXX with the state locator office and I was to contact XXXX to discuss this legal matter before he came to serve me. It is in my best interest to call immediately because it will just go downhill for me. My parents called to say the same person had called them 3 times the same day and told them the same thing about the legal case against me, gave a case number and told them they had been legally notified. On XXXX XXXX my brother said he had 3 threatening messages left on his answering machine about an ongoing investigation regarding me and he was to return his call immediately to answer questions about me. On XXXX XXXX he called to say he received another message from Investigator XXXX XXXX to inform him my problems are turning to legal action and he was to contact them immediately at XXXX with case # XXXX to discuss this. He had 48 hours to return the call and he had been legally notified. On XXXX XXXX my brother said he received a message the 48 hours has passed and he left them with no choice but to proceed with having me served. On XXXX XXXX a message was left on my cell phone that this inspector will be serving me at home, work or with a family member to call XXXX immediately. He said I have until the of the day, good luck to you and hung up. On XXXX XXXX a XXXX XXXX left a message from an anonymous number and said garnishment documents have been faxed to my employer and to call immediately. On XXXX XXXX XXXX XXXX called to say he had claims against me and was a matter of jurisdiction. He will be contacting my employer for verification notification. On XXXX XXXX XXXX XXXX called and left 3 messages regarding complaints on my social security number ( gave the last 4 numbers ) and stated she will be starting employee verification and to call XXXX. On XXXX XXXX a friend from years ago said XXXX XXXX left 3 messages on her cell phone. Once to say she needed to call and provide asset information regarding me, once to verify she received the first message and again to say it was an important legal issue and she has been identified as being a known associate of mine. XXXX XXXX my mom called to say XXXX XXXX called her to ask about me, but she hung up. They then called later for my father, who also then hung up on them. My mother then filed a complaint with the FTC. XXXX XXXX my sister in law called concerned and stated there were 3 nasty messages left about my legal issues and she was to return a call to XXXX XXXX at XXXX. And also stated they had contacted her sister, or which I do not even know. XXXX XXXX XXXX XXXX called again and identified herself with the pre-legal department Warner Asset Location Service and to return her call immediately at XXXX before faxing employment and garnishment verification. XXXX XXXX XXXX XXXX left messages again on my office line and cell stating I must call prior to faxing verification of wages, assets and property.","date_sent_to_company":"2017-08-07T20:18:57.000Z","issue":"False statements or representation","sub_product":"Payday loan debt","zip_code":"63116","tags":null,"has_narrative":true,"complaint_id":"2597201","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Check Security Associates, LLC","date_received":"2017-08-07T17:12:26.000Z","state":"MO","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Impersonated attorney, law enforcement, or government official"},"highlight":{"complaint_what_happened":["On XXXX XXXX XXXX XXXX called and left 3 messages regarding complaints on my social <em>security</em> number ( gave the last 4 numbers ) and stated she will be starting employee verification and to call XXXX. On XXXX XXXX a friend from years ago said XXXX XXXX left 3 messages on her <em>cell</em> <em>phone</em>."],"company":["Check <em>Security</em> Associates, LLC"]},"sort":[15.3904,"2597201"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":54,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":54}]}},"product":{"doc_count":54,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":17,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":9},{"key":"Payday loan debt","doc_count":2},{"key":"Auto debt","doc_count":1},{"key":"Credit card debt","doc_count":1},{"key":"Other (i.e. phone, health club, etc.)","doc_count":1},{"key":"Other debt","doc_count":1},{"key":"Payday loan","doc_count":1},{"key":"Private student loan debt","doc_count":1}]}},{"key":"Checking or savings 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