{"took":91,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":41,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2905019","_score":23.47799,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I applied for an XXXX XXXX account with XXXX XXXX in late XXXX. At some point, without my knowledge or consent, I was signed up by Synchrony into a Card Security service, which charged my account a percentage of the balance due each month as a fee on top of other balance owed. \n\nI discovered that I had been enrolled into this service in XX/XX/XXXX. The charge had been applied on all card statements available to me going back as far as statements were available online ( only going back one year for Synchrony, for some reason ). On XX/XX/XXXX I called the Syncrhony customer service line to dispute Card Security fees that I was signed up for without my authorization. The representative I spoke with told me that I would be opted out of Card Security moving forward and that I would be refunded all charges related to Card Security as I had not authorized that service be applied to my account. \n\nA month later those charges have not been refunded from my account.","date_sent_to_company":"2018-05-13T04:34:16.000Z","issue":"Fees or interest","sub_product":"Store credit card","zip_code":"28210","tags":null,"has_narrative":true,"complaint_id":"2905019","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2018-05-13T04:27:26.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX I called the Syncrhony customer service line to dispute Card <em>Security</em> fees that I was signed up for without my authorization. The representative I spoke with told me that I would be opted out of Card <em>Security</em> <em>moving</em> <em>forward</em> and that I would be <em>refunded</em> all <em>charges</em> related to Card <em>Security</em> as I had not authorized that service be applied to my account. \n\nA month later those <em>charges</em> have not been <em>refunded</em> from my account."]},"sort":[23.47799,"2905019"]},{"_index":"complaint-public-v1","_id":"13081896","_score":18.957006,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Ive been a Coinbase customer for about one year and pay monthly for Coinbase One, their premium subscription that advertises priority support and enhanced functionality.\n\nRecently, without warning or explanation, I was suddenly blocked from purchasing any cryptocurrency on the platform due to an alleged security reason. I have not violated any terms, have a clean transaction history, and have always used the platform responsibly. This restriction completely blocks the most basic function of the app, despite me continuing to pay for Coinbase One.\n\nI reached out to Coinbase support three separate times through their official support channels and spoke with three different representatives none of them provided any information, clarity, or resolution. They could not tell me what caused the restriction, how to appeal it, or how long it would last. All I was given was a vague reference to security flags without any detail.\n\nWhats worse, Coinbase continues to charge me for Coinbase One, even though I no longer have access to one of the core features of the platform : buying crypto. This feels deceptive and unacceptable. \n\nIm requesting : 1. A clear and detailed explanation of why my purchase access was restricted ; 2. Reinstatement of full account functionality, or a clear appeals process ; 3. A refund for Coinbase One charges incurred while restricted ; 4. Better customer service and accountability moving forward.\n\nThis experience has severely damaged my trust in Coinbase. I would appreciate the CFPBs help in getting a resolution.","date_sent_to_company":"2025-04-21T03:30:26.000Z","issue":"Confusing or missing disclosures","sub_product":"Virtual currency","zip_code":"27540","tags":null,"has_narrative":true,"complaint_id":"13081896","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2025-04-21T03:21:10.000Z","state":"NC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["A <em>refund</em> for Coinbase One <em>charges</em> incurred while restricted ; 4. Better customer service and accountability <em>moving</em> <em>forward</em>.\n\nThis experience has severely damaged my trust in Coinbase. I would appreciate the CFPBs help in getting a resolution."]},"sort":[18.957006,"13081896"]},{"_index":"complaint-public-v1","_id":"17350884","_score":17.966568,"_source":{"product":"Debt collection","complaint_what_happened":"I am disputing an alleged rental debt that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX forwarded to XXXX XXXX. The balance is inaccurate and includes charges that are unlawful under Texas Property Code 92.10492.109. \n\nMy tenancy at XXXX XXXX XXXX XXXX XXXX XXXX ended on XX/XX/XXXX. Before moving out, the property acknowledged in writing that I had overpaid my final months rent by {$360.00}, yet this amount was never refunded. My {$400.00} security deposit was also withheld and applied to cleaning, painting, and carpet charges that represent ordinary wear and tear, not tenant-caused damage. Under Texas law, landlords can not deduct these items from a security deposit. \n\nEquity Residential also billed me for utilities after my lease ended, which I do not owe. They then claimed I owed an additional balance and forwarded this incorrect amount to XXXX XXXX \n\nI disputed the debt in writing with XXXX and requested full validation. XXXX response did not meet FDCPA validation requirements. They did not provide : A copy of my signed lease Proof that XXXX XXXX  authorized them to collect this debt Evidence that I caused any damage beyond normal wear Receipts or invoices tied specifically to my unit Documentation showing my rent overpayment was credited Documentation showing my security deposit was handled legally Any explanation connecting the invoices to the charges they claim I owe The photos and inspection materials provided show only routine cleaning needs, not damage. Nothing supports the charges assessed. \n\nIn addition, there are concerns about the legitimacy of the move-out inspection itself. The inspection report is signed by XXXX, but the hand and appearance of the person shown in multiple inspection photos appear to belong to XXXX, a maintenance employee I previously had issues with during my tenancy due to rude behavior and refusal to complete needed repairs. This inconsistency raises doubts about who actually performed the inspection and whether it was conducted fairly. \n\nFurthermore, when I returned my keys on XX/XX/XXXX, I specifically requested a final walk-through, which the on-site staff refused to conduct. This prevented me from seeing or addressing any items they later charged me for and is inconsistent with a fair and transparent inspection process. \n\nI also have documented emails from XX/XX/XXXX, shortly after move-in, showing that I reported multiple pre-existing defects in the unit ( peeling doors, paint issues, construction imperfections ). These issues existed long before move-out and were acknowledged by management. Despite this, the move-out charges include items that relate to these pre-existing problems, which is improper and unlawful under Texas landlord-tenant law. \n\nGiven these issues, the alleged debt is not valid, was not properly validated, and should not have been sent to collections. \n\nI am requesting CFPB intervention to : Require XXXX XXXX to cease all collection activity, Ensure the alleged debt is not reported to any credit bureau, Require that the alleged debt be removed entirely, Require XXXX XXXX to remove all improper charges, Require XXXX XXXX to refund my {$360.00} rent overpayment and refund my {$400.00} security deposit that was wrongfully withheld. \n\nI can provide copies of the move-out inspection, the Statement of Deposit, the ledger, the XX/XX/XXXX email documenting pre-existing issues, the XXXX response packet, and my dispute correspondence.","date_sent_to_company":"2025-11-20T06:51:04.000Z","issue":"False statements or representation","sub_product":"Rental debt","zip_code":"75019","tags":null,"has_narrative":true,"complaint_id":"17350884","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FAIR COLLECTIONS & OUTSOURCING, INC.","date_received":"2025-11-20T05:53:37.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I am disputing an alleged rental debt that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX <em>forwarded</em> to XXXX XXXX. The balance is inaccurate and includes <em>charges</em> that are unlawful under Texas Property Code 92.10492.109. \n\nMy tenancy at XXXX XXXX XXXX XXXX XXXX XXXX ended on XX/XX/XXXX. Before <em>moving</em> out, the property acknowledged in writing that I had overpaid my final months rent by {$360.00}, yet this amount was never <em>refunded</em>."]},"sort":[17.966568,"17350884"]},{"_index":"complaint-public-v1","_id":"5372598","_score":17.364784,"_source":{"product":"Checking or savings account","complaint_what_happened":"On the morning of XX/XX/2022 I got a fraud debt charge on my Ally financial debt card for XXXX XXXX I saw from my transaction history it came from a company called ( XXXX XXXX ) I immediately searched up the website and found their contact information and called, and after several attempts of trying to reach customer service I finally got someone on the phone and I told them that someone is using my debt card on their platform and got charged XXXX XXXX after speaking to the company customer representative, I was told that since they can't use my debt card information to see what account my card was connected to, due to security reasons that they couldn't help me, so feelings hopeless I moved on to dispute this fraud charge with my bank Ally financial, after I explained this charge to them they closed my debt card and sent me a new one and filed a dispute form over the phone with them, my dispute Case number for Ally financial ( XXXX ) they told me after 10-15 days I will receive a paper mail with the determination notice, after I received that paper I got declined for any provisional credit for this charge, they couldn't give me any exact reason why I got declined and now I am out of XXXX dollars and moving forward I'll banking with a different bank that protects & appreciates their customers. I would like CFPB to see if they could get me a refund of XXXX $ from Ally financial and to see what exact reasons they declined me for. Thank you.","date_sent_to_company":"2022-03-27T22:07:19.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"30084","tags":null,"has_narrative":true,"complaint_id":"5372598","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2022-03-27T20:54:05.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["the determination notice, after I received that paper I got declined for any provisional credit for this <em>charge</em>, they couldn't give me any exact reason why I got declined and now I am out of XXXX dollars and <em>moving</em> <em>forward</em> I'll banking with a different bank that protects & appreciates their customers."]},"sort":[17.364784,"5372598"]},{"_index":"complaint-public-v1","_id":"2990342","_score":16.794813,"_source":{"product":"Mortgage","complaint_what_happened":"XX/XX/XXXX - I initiated a call to Global Equity Finance after receiving multiple letters from them advertising their low interest rate to refinance mortgage and get a cash out. My call was transferred to XXXX XXXX, XXXX XXXX, Executive Loan Consultant | XXXX ID : XXXX, Direct : XXXX. Later that day I received an estimate pertaining to my inquiry ( refer to the attached file containing email exchange with Global Equity ). \nXX/XX/XXXX - I was told I need to pay {$480.00} for home appraisal, but that charge will be refunded in case Global Equity is not able to offer me the exact terms we discussed ( 4.875 % interest rate, $ XXXX cash out ). My credit card was charged for {$480.00}. \nXX/XX/XXXX I received a link to review and sign electronic documents. Upon reviewing the documents, I found out that the terms of the loan were different from what was previously discussed, the closing costs were exorbitant, the cash out amount was less, and the interest rate was higher. I have emailed XXXX XXXX telling him the terms were not acceptable and that I will not be moving forward with a loan. XXXX said Global Equity is  still structuring my loan, and since then I received several iterations of the estimates, none of which were acceptable to me. No electronic documents were ever sent to me, and all links where I could access the documents, were quickly disabled, so I never got a chance to get and keep a physical or electronic copy. \nI have requested a refund of the appraisal fee of {$480.00} multiple times by email and over the phone. I have been in contact with XXXX and his supervisor. I have also reached out to Global Equity legal department to no avail. \nI understand that under Regulation Z, I'm entitled to a refund if I do not close, or close and rescind : Reg. Z - 12 CFR 226.15 ( d ) Effects of rescission. \n( 1 ) When a consumer rescinds a transaction, the security interest giving rise to the right of rescission becomes void, and the consumer shall not be liable for any amount, including any finance charge. \n( 2 ) Within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest.\n\nAppendix c : Paragraph 15 ( d ) ( 2 ).\n1. Refunds to consumer. The consumer can not be required to pay any amount in the form of money or property either to the creditor or to a third party as part of the occurrence subject to the right of rescission. Any amounts of this nature already paid by the consumer must be refunded. \" Any amount '' includes finance charges already accrued, as well as other charges such as broker fees, application and commitment fees, or fees for a title search or appraisal, whether paid to the creditor, paid by the consumer directly to a third party, or passed on from the creditor to the third party.","date_sent_to_company":"2018-08-13T20:40:35.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"22030","tags":null,"has_narrative":true,"complaint_id":"2990342","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Global Equity Finance, Inc.","date_received":"2018-08-13T19:40:04.000Z","state":"VA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["( 1 ) When a consumer rescinds a transaction, the <em>security</em> interest giving rise to the right of rescission becomes void, and the consumer shall not be liable for any amount, including any finance <em>charge</em>. \n( 2 ) Within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the <em>security</em> interest."]},"sort":[16.794813,"2990342"]},{"_index":"complaint-public-v1","_id":"13529022","_score":16.478485,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year> I received a security fraud alert through text and on my Santander mobile banking account for the amount of {$230.00}. The charge came up as XXXX which I have never used before and did not authorize. I instantly blocked my debit card and called Santander to report the fraud, they then filed a claim. They also had mentioned a XXXX charge was attempted seconds later after XXXX charge but did not go through. I was told that the claim would take up to 90 days and there is a 10 day period where my funds could possibly be put back into my account during this claim period. I explained it was a large amount and I am a single mother of XXXX and would appreciate if this could be expedited so the funds could be put right back into my account. My frustration is the fraud alert should have asked me if I accept or blocked this charge and should not of went through. I have security alerts set up for this exact reason. I followed up with Santander last week to check the status of my claim and was following up on my expedited debit card that I was charged and had not received in the 2-3 day period I was told. The representative told me that she would request funds again to have a 10 day expedite since there was not one made during my initial claim. Today is XX/XX/year> I have not heard from Santander and has been over the 10 days so I decided to call and check my claim. Santander informed me the status said resolved however there was no note attached and had given my the incorrect amount the claim was for. This is very frustrating and concerning. She apologized and said the amount put on the initial claim was an error on their behalf that she now realizes and can reach out to another department for the next step. She then verified the {$230.00} amount I reported and the amount matched on both of our ends. I told her the apology is not good enough I do not understand how a wrong amount can be entered on a claim and not caught. Had I not called Santander would of had an incorrect claim and I would or would not of gotten the correct refund back into my account. She told me she will resubmit a claim and can take another 90 days and will try to send another expedite. I don't feel comfortable with Santander handling any of my money at this point and will be looking to bank elsewhere moving forward. I want the correct amount of money refunded to my account and should not have to wait.","date_sent_to_company":"2025-05-15T19:43:54.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"01801","tags":null,"has_narrative":true,"complaint_id":"13529022","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2025-05-15T18:53:08.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Had I not called Santander would of had an incorrect claim and I would or would not of gotten the correct <em>refund</em> back into my account. She told me she will resubmit a claim and can take another 90 days and will try to send another expedite. I don't feel comfortable with Santander handling any of my money at this point and will be looking to bank elsewhere <em>moving</em> <em>forward</em>. I want the correct amount of money <em>refunded</em> to my account and should not have to wait."]},"sort":[16.478485,"13529022"]},{"_index":"complaint-public-v1","_id":"11366657","_score":16.400492,"_source":{"product":"Checking or savings account","complaint_what_happened":"In XX/XX/XXXX, my checking account was charged with XXXX unauthorized transactions at \" XXXXXXXX XXXX, '' each for {$0.00}, totaling {$190.00}. In XX/XX/XXXX, I contacted Chase to report and claim these unrecognized transactions. However, I only recovered 50 transactions, totaling {$49.00}. The remaining 149 transactions, amounting to {$140.00}, were not refunded to me. \n\nAs an elderly customer, I do not frequently check my bank account on my phone. On XX/XX/XXXX, I logged into my Chase app and discovered that I had not received the full amount back. I contacted Chase again to claim the remaining transactions, along with some recent unauthorized charges. These include a charge at \" XXXX XXXX XXXX XXXX XXXX '' on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( approximately {$27.00} at the exchange rate of XXXX ), and another charge on XX/XX/XXXX, at \" XXXX XXXX XXXX XXXX for XXXX XXXX XXXXXXXX ( approximately {$13.00} at XXXX XXXX rate of XXXX ). I have never visited these locations or authorized such transactions, making them clear cases of fraud. \n\nSince I opened this card in XX/XX/XXXX, I have been charged with a total of XXXX unauthorized transactions, including XXXX from XXXX XXXX, XXXX from XXXX, and one from XXXX Promote. This raises serious concerns about the security of my Chase account. I have never used this debit card for any transactions since opening the account, and the card has never left my home. A review of my statements will confirm that this card has never been used for purchases, further highlighting the alarming nature of these unauthorized charges. \n\nIn XX/XX/XXXX, I promptly reported the XXXX XXXX XXXX transactions to Chase. I firmly believe I reported all transactions in a timely manner. Chase 's recent claim that I failed to report them within the required timeframe is incorrect. Despite my careful precautions, my account has been repeatedly compromised. \n\nToday ( XX/XX/XXXX ), I followed up with Chase to check the status of my claims. Unfortunately, the supervisor I spoke to, named XXXX, was rude and unhelpful. I request a thorough investigation into the security of my account, recovery of the remaining {$140.00} from the XXXX XXXX charges, and reimbursement for the recent fraudulent charges. Additionally, I seek assurance that my account will be secure moving forward.","date_sent_to_company":"2025-01-03T23:12:47.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"11355","tags":null,"has_narrative":true,"complaint_id":"11366657","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-01-03T22:34:24.000Z","state":"NY","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I request a thorough investigation into the <em>security</em> of my account, recovery of the remaining {$140.00} from the XXXX XXXX <em>charges</em>, and reimbursement for the recent fraudulent <em>charges</em>. Additionally, I seek assurance that my account will be secure <em>moving</em> <em>forward</em>."]},"sort":[16.400492,"11366657"]},{"_index":"complaint-public-v1","_id":"12140560","_score":14.979622,"_source":{"product":"Debt collection","complaint_what_happened":"Account Number:XXXX  Current Creditor : XXXX XXXX  Unit : XXXX Balance : {$1000.00} I am writing in regard to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies For months, I have been charged bongos charges for moving out the home I once occupied at XXXX XXXX XXXX  XXXX, Alabama XXXX, and after looking at the itemized charges that was sent to me I believe I have located the issue. I paid my rent on time faithfully every month, The last month I stayed I was quoted a bill for over {$2800.00}, I inquired about it and was told that it would be adjusted once I moved, I moved out on XX/XX/year>, I sent videos, text, and email to your department as advised to let everyone I was evacuating the home. I was told your department 60 days prior of my intent to vacate the home, I was charged on my bill {$1500.00} I sent emails to provide that I notified your department of my family plans, I received another email stating that the {$1500.00} would be removed. \n\nUpon checking the itemize sheet that was sent to me I noticed that I am being charged {$1500.00} for rent for that month along with {$860.00} for that for rent for that month, I am being double charged when I only stayed little over half a month in XXXX. XXXX XXXX has taken my security deposit, which I should be receiving a refund rather than having a balance. I suggest that you take a deeper look into and issue the remainder of my Sercuity deposit. Im looking forward to hearing from you soon. \n\nI have all correspondence and evidence to support- Thank you","date_sent_to_company":"2025-02-19T13:33:14.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"36535","tags":null,"has_narrative":true,"complaint_id":"12140560","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2025-02-19T13:20:35.000Z","state":"AL","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["XXXX XXXX has taken my <em>security</em> deposit, which I should be receiving a <em>refund</em> rather than having a balance. I suggest that you take a deeper look into and issue the remainder of my Sercuity deposit. Im looking <em>forward</em> to hearing from you soon. \n\nI have all correspondence and evidence to support- Thank you"]},"sort":[14.979622,"12140560"]},{"_index":"complaint-public-v1","_id":"9371847","_score":14.954561,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This CFPB Complaint is in Reference to Discover Bank, Account Number XXXX XXXX XXXX XXXX Disputed balance - {$1500.00} reported balance First I wanted to Say My name Is XXXX XXXX, & I am a XXXX XXXXr with Discover Bank. On the Date of This account was closed on XX/XX/year>. I wanted to expressly concern that this account is charged off which means anything considered charged off is considered \" Income ''. If every Debt is considered income because it's considered a \" Securitie '' Per the securities and Exchange commission. Per the \" IRS Publication '' it states that all \" ALL '' charge-offs are considered income, So how can Income be reported to my Credit Report.\n\nFurther more I wanted to express that 15 usc 1666 ( B ) - Timing of payment subsection ( A ) A creditor may not treat a payment on a credit ( CHARGE ) card account under an open end consumer credit plan as \" late '' for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the informationis mailed or delivered to the consumer not later than 21 days before the payment due date.. ( Discover Bank ) are listing my payments as late under a open ended consumer credit plan ) - which is also against the law. Which means I have A charge card and you CAN NOT LIST LATE PAYMENTS UNDER AN OPENED ENDED CONSUMER CHARGE CARD CREDIT PLAN, Discover Bank are also In violation.\n\nMoving On to the Next Facts states : 15 U.S. Code 1666 ( D ) - \" Treatment of credit balances '' - Whenever a credit balance in excess of {$1.00} is created in connection with a \" consumer '' credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall A- credit the amount of the credit balance to the consumers account ; B- refund any part of the amount of the remaining credit balance, upon request of the consumer ; and C- make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than XXXX months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. \n\n\nI Consider All of the Raised Concerns about the Amount in Question In this Matter and Looking Forward to resolving this Issue in a timely and Precise Manner. Please Consider This complaint as a Formal dispute under the Provisions of the FCRA.","date_sent_to_company":"2024-07-11T15:32:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"352XX","tags":null,"has_narrative":true,"complaint_id":"9371847","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2024-06-23T22:28:52.000Z","state":"AL","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Which means I have A <em>charge</em> card and you CAN NOT LIST LATE PAYMENTS UNDER AN OPENED ENDED CONSUMER <em>CHARGE</em> CARD CREDIT PLAN, Discover Bank are also In violation.\n\n<em>Moving</em> On to the Next Facts states : 15 U.S."]},"sort":[14.954561,"9371847"]},{"_index":"complaint-public-v1","_id":"9371852","_score":14.938274,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This CFPB Complaint is in Reference to XXXXXXXX XXXX, Account Number XXXX XXXX XXXX XXXX Disputed balance - {$1500.00} reported balance First I wanted to Say My name Is XXXX XXXX, & I am a XXXXXXXX XXXX with XXXXXXXX XXXX On the Date of This account was closed on XX/XX/year>. I wanted to expressly concern that this account is charged off which means anything considered charged off is considered \" Income ''. If every Debt is considered income because it's considered a \" Securitie '' Per the securities and Exchange commission. Per the \" IRS Publication '' it states that all \" ALL '' charge-offs are considered income, So how can Income be reported to my Credit Report.\n\nFurther more I wanted to express that 15 usc 1666 ( B ) - Timing of payment subsection ( A ) A creditor may not treat a payment on a credit ( CHARGE ) card account under an open end consumer credit plan as \" late '' for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the informationis mailed or delivered to the consumer not later than 21 days before the payment due date.. ( XXXXXXXX XXXX ) are listing my payments as late under a open ended consumer credit plan ) - which is also against the law. Which means I have A charge card and you CAN NOT LIST LATE PAYMENTS UNDER AN OPENED ENDED CONSUMER CHARGE CARD CREDIT PLAN, XXXX Bank are also In violation. \nMoving On to the Next Facts states : 15 U.S. Code 1666 ( D ) - \" Treatment of credit balances '' - Whenever a credit balance in excess of {$1.00} is created in connection with a \" consumer '' credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall A- credit the amount of the credit balance to the consumers account ; B- refund any part of the amount of the remaining credit balance, upon request of the consumer ; and C- make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than XXXX months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. \n\n\nI Consider All of the Raised Concerns about the Amount in Question In this Matter and Looking Forward to resolving this Issue in a timely and Precise Manner. Please Consider This complaint as a Formal dispute under the Provisions of the FCRA.","date_sent_to_company":"2024-07-11T15:31:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"352XX","tags":null,"has_narrative":true,"complaint_id":"9371852","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Credit Karma, LLC","date_received":"2024-06-24T00:31:33.000Z","state":"AL","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Which means I have A <em>charge</em> card and you CAN NOT LIST LATE PAYMENTS UNDER AN OPENED ENDED CONSUMER <em>CHARGE</em> CARD CREDIT PLAN, XXXX Bank are also In violation. \n<em>Moving</em> On to the Next Facts states : 15 U.S."]},"sort":[14.938274,"9371852"]},{"_index":"complaint-public-v1","_id":"19703867","_score":14.597885,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a complaint against Wells Fargo regarding ongoing, improperly charged monthly maintenance fees and failure to provide accurate account information. \n\nDetails of the Issue : Since XX/XX/XXXX, I have repeatedly contacted Wells Fargo about a recurring XXXX XXXX  monthly fee being charged to my account. I was told the fee was due to not maintaining at least {$500.00} in monthly direct deposits. This information was inaccurate. \n\nI currently have three accounts with Wells Fargo, and one of those accounts consistently receives over {$1000.00} per month in Social Security benefits. Despite meeting deposit requirements, I have continued to be charged this fee every month. \n\nAdditionally, at no point was I informed about the Clear Access account option, which only requires a XXXX XXXX monthly deposit and would have been more appropriate for my situation. Wells Fargo failed to provide adequate guidance or offer a suitable account option, resulting in unnecessary and avoidable fees. \n\nAttempts to Resolve : I have contacted Wells Fargo numerous times since XXXX, including my most recent call on XX/XX/XXXX. During each interaction, I requested a review and reversal of these charges. Wells Fargo has consistently refused to refund the fees or correct the issue. \n\nImpact : Due to Wells Fargos failure to provide accurate information and appropriate account options, I have been charged over {$100.00} in unnecessary monthly fees. This issue could have been resolved during my initial contact in XX/XX/XXXX but was not. \n\nDesired Resolution : I am requesting : A full reimbursement of all improperly charged monthly fees A thorough review of how my account was handled Correct placement into an account that aligns with my deposit activity Assurance that this issue will not continue moving forward Wells Fargos actions reflect a lack of transparency, inadequate customer service, and failure to properly inform customers of account options.","date_sent_to_company":"2026-02-23T14:56:19.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"77433","tags":null,"has_narrative":true,"complaint_id":"19703867","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-02-23T14:44:00.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Fee problem"},"highlight":{"complaint_what_happened":["During each interaction, I requested a review and reversal of these <em>charges</em>. Wells Fargo has consistently refused to <em>refund</em> the fees or correct the issue. \n\nImpact : Due to Wells Fargos failure to provide accurate information and appropriate account options, I have been charged over {$100.00} in unnecessary monthly fees. This issue could have been resolved during my initial contact in XX/XX/XXXX but was not."]},"sort":[14.597885,"19703867"]},{"_index":"complaint-public-v1","_id":"16402295","_score":14.271841,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/XXXX, I was contacted by a debt collector regarding a balance of ~ {$1500.00} due to XXXX ( the company I was a prior tenant to ), that was unpaid. I was never made aware of the balance prior to the company releasing my social security number to a debt collector. XXXX  XXXX also lied over the phone and claimed that they emailed me, but no email was sent or received. I even received an email on XX/XX/XXXX saying that the balance was closed. On XX/XX/XXXX XXXX revised the balance down to {$270.00} and even mailed me my security deposit back. While we are still disputing the debt, I was intimidated into paying the \" undisputed '' amount by a debt collector, or else they would impact my credit immediately. I paid and figured I would dispute the rest with XXXX, and I would no longer be receiving calls from the debt collector as I have in writing that they XXXX. Are mailing me a check {$1100.00}, and XXXX, That I have, in writing that at most the disputed amount was already paid for. Unfortunately, on XX/XX/XXXX. I received a call saying that if I do not pay the balance of {$1300.00} I would receive a mark on my credit. I paid this balance under protest, and reached out to XXXX immediately via email, to which I was berated by member of the leasing office XXXX XXXX, saying \" Why did you pay when we are sending you a check of your deposit? '' To which I responded \" Because they said it would impact my credit after today as there was no communication from the XXXX team. I still had a balance previously mentioned. '' And \" Im sorry XXXX Im incredibly frustrated by this situation. Why am I still receiving calls from debt collectors? Why has no one reached out? '' She responded unprofessionally with \" Seriously XXXX you are not paying attention or even listening to when I spoke to you last week telling you that you were getting a deposit back, I told you the amount and even asked for your address and again that was LAST WEEK! \n\nwe can not refund what you paid the debt collectors. \nYou should've called us like your brother has but you did not. \n\nIm sorry theres nothing we can do moving forward. '' I have since disputed the charge with XXXX XXXXXXXX XXXX, but I am worried the debt collectors are going to impact my credit for a debt that is illegitimate.","date_sent_to_company":"2025-10-07T05:05:51.000Z","issue":"False statements or representation","sub_product":"Rental debt","zip_code":"28211","tags":null,"has_narrative":true,"complaint_id":"16402295","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"T.S. Holdings","date_received":"2025-10-07T04:31:51.000Z","state":"NC","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["we can not <em>refund</em> what you paid the debt collectors. \nYou should've called us like your brother has but you did not. \n\nIm sorry theres nothing we can do <em>moving</em> <em>forward</em>. '' I have since disputed the <em>charge</em> with XXXX XXXXXXXX XXXX, but I am worried the debt collectors are going to impact my credit for a debt that is illegitimate."]},"sort":[14.271841,"16402295"]},{"_index":"complaint-public-v1","_id":"5044515","_score":13.782396,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I contacted AMERICAN CREDIT ACCEPTANCE four times prior to filing my complaint with CFPB in an attempt to resolve my concerns and have received a response via mail as of XX/XX/XXXX with them denying all allegations in my complaint. Due to this I am moving forward to file my complaint. \n\nIt was brought to my attention that AMERICAN CREDIT ACCEPTANCE violated several of my constitutional rights and went against The Truth and Lending Act protacal. I pointed out a few violations specifically pertaining to 15 USC 1662 and 15 USC 1605. I purchased my vehicle XX/XX/XXXX from XXXX using AMERICAN CREDIT ACCEPTANCE as my finance company and was told for them to finance the vehicle I was required to put down a {$1300.00} deposit and I would be required to pay monthly installments of {$430.00} after running my social security number and I extended my credit to their company. AMERICAN CREDIT ACCEPTANCE did not provide an option for including liability coverage within the finance charges at all. I was advised to look for my own coverage through a third party. I sent AMERICAN CREDIT ACCEPTANCE a written letter and email informing them of the violations according to 15 USC 1662 and 15 USC 1605 and asked for {$1000.00} per violation mentioned totaling {$3000.00}, payment for insurance premium charges for the full term of my 72 month finance agreement totaling {$14000.00}, refund of my {$1300.00} deposit, and I asked for my vehicle loan to be voided and the title of the vehicle to be mailed to me. AMERICAN CREDIT ACCEPTANCE has refused and is taking no accountability for their actions even with me detailing how they violated so I am reporting their faulty practices. It is completely unfair for companies like ACA to take advantage of people for their own benefit. I extended my credit and their company was able to sell my completed application for the total cost of my vehicle plus finance charges so they have been paid yet they want to be greedy and take even more money from me because they think they can and think no one will stop them. I hope this complaint will get me some resolution and cause them to change their future procedures. What I have requested of them in payment is minimal compared to the damages they have done to millions of Americans thus far. According to 12 CFR 226.2 law and 15 ISC 1637 AMERICAN CREDIT ACCEPTANCE owes me and I expect to receive full payment, for them to void my loan, and send me the title to my vehicle as requested","date_sent_to_company":"2021-12-27T18:42:45.000Z","issue":"Getting a loan or lease","sub_product":"Lease","zip_code":"372XX","tags":null,"has_narrative":true,"complaint_id":"5044515","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"American Credit Acceptance, LLC","date_received":"2021-12-27T18:15:54.000Z","state":"TN","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Confusing or misleading advertising"},"highlight":{"complaint_what_happened":["Due to this I am <em>moving</em> <em>forward</em> to file my complaint. \n\nIt was brought to my attention that AMERICAN CREDIT ACCEPTANCE violated several of my constitutional rights and went against The Truth and Lending Act protacal. I pointed out a few violations specifically pertaining to 15 USC 1662 and 15 USC 1605."]},"sort":[13.782396,"5044515"]},{"_index":"complaint-public-v1","_id":"17855089","_score":13.591946,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"PROBLEM WITH COMMUNICATING TO A HUMAN AT EXPERIAN On or around XX/XX/XXXX a hacker got my XXXX password and email address in a data breach. The hacker visited many websites and attempted to logon with that password and email. Several purchases were made and charged to the credit card or bank account that was linked to that website. For example on XX/XX/XXXX {$490.00} was charged at XXXX XXXX through an online order. I alerted my bank, XXXX XXXX XXXX XXXX XXXX to the fraud and they reported it to the credit agencies and refunded my fraud charges. Then the hackers moved on to applying for credit cards, loans, etc. I was alerted when I started to receive letters asking for \" additional information because my application was incomplete. '' Most applications were lacking my social security number. XXXX such was XXXX XXXX. I contacted several banks and alerted them to cancel the credit application because it was fraud. \n\nI also logged on to XXXX XXXX XXXX and froze my credit. I attempted to logon to Experian and found my logon info would not work. I attempted to use their automated reset systems to gain access, but it was obvious the hacker had accessed my account and changed the associated email and phone. All resets simply alerted the hacker that I was trying to get into my account. I could not find an Experian phone number that would access a human. I continued to attempt to get into contact with Experian every few weeks. Eventually I was able to use XXXX of their automated systems to freeze my credit, but I could still not access my account. \n\nI have recently attempted to get a mortgage loan about XX/XX/XXXX. The broker could not pull my credit because of the freezes. I dropped the freeze on XXXX XXXX XXXX but could not on Experian. Again I started trying to get to a human. My broker gave me a new Experian phone number to try. I did speak to a human, who transferred me to another, but both were obviously very inexperienced and told me they had no power to change anything. For that reason, I am blocked from moving forward with a home loan. About XX/XX/XXXX, I located an automated Experian credit system to dispute erroneous charges. In desperation, I uploaded documents to prove my identity, along with a letter requesting help to gain access to my own Experian account. I have received no contact from them with the exception that now Experian is spamming me with email offers. \n\nIn addition, just today I received another credit application from XXXX XXXX asking for more data. I reported the fraud to them and they confirmed that the hacker now has my birthdate and social security number - obviously from my Experian account. \n\nI previously filed a complaint with the FTC but have receive no action from that. I desperately need someone to force Experian to give me access to my own information and block the hacker from using my data.","date_sent_to_company":"2025-12-09T01:03:45.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"98004","tags":"Older American","has_narrative":true,"complaint_id":"17855089","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-09T00:13:17.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["For that reason, I am blocked from <em>moving</em> <em>forward</em> with a home loan. About XX/XX/XXXX, I located an automated Experian credit system to dispute erroneous <em>charges</em>. In desperation, I uploaded documents to prove my identity, along with a letter requesting help to gain access to my own Experian account. I have received no contact from them with the exception that now Experian is spamming me with email offers."]},"sort":[13.591946,"17855089"]},{"_index":"complaint-public-v1","_id":"18643917","_score":13.22576,"_source":{"product":"Checking or savings account","complaint_what_happened":"In XXXX of XXXX I opened a checking account at Comerica Bank, deposited my check, the reason I chose Comerica Bank, was due to the fact that my new employer, was a member of Comerica as well. Moving forward for XXXX months, my banking with Comerica was going fine, in XX/XX/XXXX I noticed my account had be compromised, by some unknown party. I immediately called Comerica in order to report the incident and let them investigate what happened, I received a letter stating that I would receive a temporary credit. I never received that, my account was taken to a balance of XXXX. All of my funds were taken out of my account. I called the banking center as well as Comerica claims, they informed me that from there investigation. They said I was on a charged off account from XXXX, I informed them that I have never been affiliated with Comerica Bank, they also said that I lived in XXXX, which is somewhere I have NEVER BEEN. I then requested my money to be returned. I was told they made an internal decision that they didn't have to refund me the funds. Since then my account daily keeps receiving unnecessary, outrageous fees to the sum of XXXX. I have recorded conversations in I shared with them that all my calls are recorded in order to protect myself. I was informed that the decision was the decision, and I had to pay up or charge off. I have a classmate that works in compliance at Comerica which informed that they are not following the guidelines. They informed that what they were doing was illegal, I have in the past been a victim of Identity Theft which was discovered after the time of the checking account, they said I was attached to that was charged off, I provided copies of the Police Report, Social Security Card and my FTC Affidavit as I was instructed. I was informed from the Comerica Rep, that due to the age of the account they didn't have to send me any of the requested documentation, nor did they have to share it with me on a recorded line, II also asked if I had a charged off account from XXXX internally, how was I able to open an account in XXXX of XXXX, from which I told, the employee that opened my account didn't know what they were doing. I am willing to provide phone conversation recordings with banking center employees.","date_sent_to_company":"2026-01-12T08:05:04.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"436XX","tags":null,"has_narrative":true,"complaint_id":"18643917","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Comerica","date_received":"2026-01-12T07:35:42.000Z","state":"OH","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["<em>Moving</em> <em>forward</em> for XXXX months, my banking with Comerica was going fine, in XX/XX/XXXX I noticed my account had be compromised, by some unknown party. I immediately called Comerica in order to report the incident and let them investigate what happened, I received a letter stating that I would receive a temporary credit. I never received that, my account was taken to a balance of XXXX. All of my funds were taken out of my account."]},"sort":[13.22576,"18643917"]},{"_index":"complaint-public-v1","_id":"13306779","_score":12.419271,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/XXXX Bank of America [ Wire Fraud Department or Customer Claims Department ] Re : Wire Fraud Unauthorized Transaction on Account Ending in XXXX To Whom It May Concern, My name is XXXX XXXX XXXX, and I have been a loyal Bank of America customer for 41 years. I reside at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX ( XXXX, Missouri resident since XX/XX/XXXX ). \n\nI am writing to formally dispute a wire fraud transaction that occurred on XX/XX/XXXX, which resulted in the theft of {$7500.00} from my Bank of America checking account ending in XXXX. This transaction was unauthorized and fraudulent. The funds were wired to an individual named XXXX XXXX at XXXX XXXX XXXX XXXXXXXX without my knowledge or consent. My entire account balance was drained in an instantleaving my account at {$0.00}. \n\nI reported this incident to the BOA Wire Fraud Department via telephone on XX/XX/XXXX. Since that time, I followed up weekly for over XXXX weeks, as encouraged by your representatives, who continuously told me to call back next Tuesday. Despite my diligence and full cooperation, I was recently informed that Bank of America denied any responsibility and refuses to reimburse the stolen funds. \n\nFrankly, I am stunned. As a long-time customer, I entrusted Bank of America with the security of my finances. That trust has now been profoundly broken. This was a clear case of wire fraud, and the failure to protect my accountand now to deny restitutionis unacceptable. \n\nI am requesting the following : Immediate reimbursement of the {$7500.00} to my BOA checking account ending in XXXX, or via a direct check. \n\nReversal and refund of any and all overdraft or penalty charges caused by this fraudulent wire. \n\nA full copy of the investigation file conducted by BOA regarding this incident. \n\nIn addition, I will be : Filing a police report with the XXXX Police Department, as this is a crime committed against me. \n\nSubmitting a formal complaint to the Consumer Financial Protection Bureau ( CFPB ). \n\nI intend to take every action necessary to see that this injustice is addressed and my funds are returned. After 41 years of loyalty, I never imagined I would have to fight to be protected from a clear-cut case of fraud. \nPlease respond in writing at your earliest opportunity. I would appreciate prompt attention and transparency moving forward. \n\n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone : XXXX","date_sent_to_company":"2025-05-02T19:37:33.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"631XX","tags":"Older American","has_narrative":true,"complaint_id":"13306779","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-05-02T19:26:03.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Non-sufficient funds and associated fees"},"highlight":{"complaint_what_happened":["I would appreciate prompt attention and transparency <em>moving</em> <em>forward</em>. \n\n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone : XXXX"]},"sort":[12.419271,"13306779"]},{"_index":"complaint-public-v1","_id":"3453288","_score":12.4039135,"_source":{"product":"Checking or savings account","complaint_what_happened":"I was a member of Navy Federal Credit Union from approximately XX/XX/XXXX until approximately XX/XX/XXXX, I believe. I am only guessing because I do not recall the exact dates of termination, but my best guess is by XX/XX/XXXX ... I was no longer a member of the Credit Union. \n\nI was a family member of a veteran, who'd applied for membership, first inquiring before they officially made the public announcement to serve Veterans. Once I had applied, the credit union had began ensuring \" Security Policies '' under internal departments without any feedback or direct link to a point of contact regarding Member Security, until the application was approved for membership. \n\nI was approved for Membership with a Checking and Savings account at first. Around this time, I had still been receiving XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ... due to low-income and other conditions. \n\nAlong the first six months, membership was working out so far. During the months of XX/XX/XXXX, trouble had began : I was almost broke, and my credit had began to tarnish. I remember there were suggestions by my local Payees about moving forward with services provided by the local DDD/DSHS governmental agencies, and how important it was to them that I remained on State & Federal Benefits. \n\nI also remember requesting and receiving a refund check from a web hosting provider, that had designed a basic website and a marketing plan for me. The amount of that refund was between $ XXXX {$2500.00}. \n\nNavy Federal Credit Union was consistently charging overdraft fees to my account. At times, they were a bit excessive, while claiming to protect me as a member. Anyways, on the brink of going into poverty, I decided ( upon the advice of Member Services at my local branch ) take about {$2000.00} of that, and invest in a Certificate of Deposit. \n\nThe {$400.00} prior to that was deposited into my checking account to cover over {$200.00} of overdraft fees, and a little over {$120.00}, I asked to be disbursed to me as cash. I can't remember if I paid my credit card ( s ) that month, but I believe I may have paid one. \n\nAt that time, it was a few days before a meeting with a former XXXX Case Manager. I remember not putting {$2000.00} directly into my checking account, because other parties like XXXX and my Payees were concerned about losing benefits. Taking these things into account, I decided to put the {$2000.00} into a CD. \n\nAlmost a week later, the Social Security Administration became involved. Even though, I was receiving Supplemental Security Income, it was clear to me that they were pressuring my relatives ( who were/are also my payees ) that SSA didn't want me to make additional income ... contrary to the purpose of Supplemental Security Income now. \n\nOur local Social Security Administration office - located in XXXX, WA ... was quite famous for being infamous with their accommodations and willingness to help understand how people could manage at the time. \n\nThe manager of the office decided to threaten one of my family members with a XXXX  one day, towards the middle of XX/XX/XXXX ( right before my birthday ). I was on a grocery shopping trip, and I received several phone conversations about it ... \n\nI told them later that it was already deposited, and I couldn't release the funds. They didn't take it well, and by the next morning, they had filed legal proof of themselves as guardians/payees to the bank. \n\nAs a result, not only did Navy Federal Credit Union breach my account security information, by allowing this action by fax and thereby closed all of my accounts without my consent ... but the Credit Union customer service members from then on, told me that they would only speak to the payees ( for consideration of re-instatement or account information ). \n\nAccording to my payees, ( which I do not know whether it was credible or not ), they had a check of my funds disbursed to them, as a result of the bank 's decision ... and they referenced several times that I had misused the funds. This was clearly a lie, because much later after they deposited the remaining funds of close to {$1800.00}, into a Special Needs Trust Account ( located at XXXX  XXXX XXXX ), almost as a spiteful action after various arguments ... I confronted them about this over time, and their story had changed. \n\nI talked to them about why they deposited the money, and believing the reasons they had given me ( which was inexcusable to begin with ), the payees said they had other reasons for doing so ... which was never disclosed to me. \n\nThe bottom line is besides Navy Federal Credit Union closing my accounts without my consent, they also did so in a way that breached my security. Additionally, it is my belief that the Social Security Administration influenced my relatives, and the bank to do so. Finally, when the funds were given to the payee ( if they ever were ), they were free to do with it what they wished ... \n\nI never saw neither my refund, nor the ability to communicate with XXXX XXXX since. However, I do know that since then, my poverty has became worse and what chances I had at income and/or credit opportunities were never the same. \n\nAs it stands presently, I am barely getting by ... and as debts pile up, without so much as a credit card or sufficient income ( though I work far beyond OT still ), I am having to make a choice between 2 needed services : keeping my job as an XXXX, and paying for my XXXX XXXX bills.","date_sent_to_company":"2019-11-28T07:24:46.000Z","issue":"Closing an account","sub_product":"CD (Certificate of Deposit)","zip_code":"98290","tags":null,"has_narrative":true,"complaint_id":"3453288","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2019-11-28T05:39:37.000Z","state":"WA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I remember there were suggestions by my local Payees about <em>moving</em> <em>forward</em> with services provided by the local DDD/DSHS governmental agencies, and how important it was to them that I remained on State & Federal Benefits. \n\nI also remember requesting and receiving a <em>refund</em> check from a web hosting provider, that had designed a basic website and a marketing plan for me. The amount of that <em>refund</em> was between $ XXXX {$2500.00}."]},"sort":[12.4039135,"3453288"]},{"_index":"complaint-public-v1","_id":"4358770","_score":11.815919,"_source":{"product":"Debt collection","complaint_what_happened":"The final statement I received from XXXX indicated I did not owe a balance and a refund would be sent to me for my security deposit. I never received the refund and I was never notified that they changed the statement and indicated I broke my lease so now I owed them. The regional manager called me and told me I had to move out because I left a negative review of the property on XXXX XXXX. I agreed to move out per their request and paid all final bills. Here is our communication via email below. \nFrom : XXXX XX/XX/XXXX XXXX XXXX XXXX sent to me via email ) You have received a notice to vacate on your door as of today. We are requesting that you do move. After reviewing your posts on XXXX XXXX again yesterday, you are impacting the privacy of other residents and disrupting our business by trying to create a protest of nonpayment of rent. These are terms of your contract, that you have now violated. You are now in breach of your contract and we have decided as an organization, after two attempts of trying to discuss this matter, to now exercise our rights as the Landlord. We are requesting possession within 7 days or eviction proceeding will follow. \n\nPlease let me know should you have additional questions. \n\nThank you, XXXX XXXX XXXX Regional XXXX XXXX XXXX | XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX My response to above email ( XX/XX/XXXX XXXX XXXX XXXX  That's perfectly fine. I have yet to receive the notice personally, however my neighbor did retrieve the notice per my request. She stated that it says I must vacate by XX/XX/XXXX, that's not 7 days? Also what payments must be rendered that they are referring to? Please help me understand the differences in me vacating in 7 days vs. the 30 days required in an eviction? If I vacate within the days allotted what will be reported on my rental history an eviction or just the closure of the lease? \n\nXXXX response to my above email XX/XX/XXXX XXXX XXXX XXXX XXXX It will just be the closure and not an eviction, if you move before we have to file. I will gladly work with you on timeline on moving. However, communication will be key. Please let me know the date in which you will be able to surrender keys and I will let the team know. \nThank you XXXX XXXX XXXX Regional XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX | XXXX XXXX XXXX My response to above email XX/XX/XXXX XXXX XXXX Great thank you so much. We truly will need about 3 weeks to relocate due to my children being in school and having to locate and lock in a new place. Im willing to pay this final months rent in full that's due today if we're given 3 weeks from today to vacate. Since this will serve as our lease ending will we receive our deposit back in the amount of {$650.00}? \nXXXX response to my above email XXXX XXXX XXXXXXXX XXXX I will agree to these terms, as long as no additional post to XXXX XXXX or disruption to business occurs. In the event this happens, eviction will be filed and we will move forward with proceedings. \n\nThank you XXXX XXXX XXXX Regional XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX | XXXX XXXX XXXX Email sent from XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Final account statement - Revised XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX TX XXXX Final account statement - Revised Ledger Account at move-out WelcomeHome ACH payment -- XXXX XXXX XX/XX/XXXX ( XXXX ) Balance at move-out ( XXXX ) * See the itemized charges for a complete listing of the work. \n\nDeposit Activities Move Payments to Deposit Ledge ( XXXX ) Move Payments to Deposit Ledge ( XXXX ) Total Deposits on hand ( XXXX ) Additional charges/credits/payments after move-out Full Housekeeping XXXX. XXXX Full Paint XXXX sq. XXXX XXXX Total additional charges / credits / payments XXXX Final Account balance Balance at move-out ( XXXX ) Total Deposits ( XXXX ) Total additional charges / credits / payments XXXX Account balance - refund due ( XXXX ) XXXX Prepared Date XX/XX/XXXX XXXX XXXX, XXXX Pay to XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX - Unit XXXX Move-in XX/XX/XXXX Notice given Lease expires XX/XX/XXXX Move-out XX/XX/XXXX Thank you so much for staying with us. We hope that you`ve enjoyed your residency as much as we`ve enjoyed having you here. Your refund check will be mailed to the forwarding address given to the management office. If you have any questions, please feel free to contact the management office. Thank you. \n\n\nThis was the last correspondence I received from XXXX although I never received a refund for the amount they indicated.","date_sent_to_company":"2021-05-07T15:00:08.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"4358770","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2021-05-07T15:00:04.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["In the event this happens, eviction will be filed and we will move <em>forward</em> with proceedings."]},"sort":[11.815919,"4358770"]},{"_index":"complaint-public-v1","_id":"5249746","_score":11.705728,"_source":{"product":"Checking or savings account","complaint_what_happened":"My ATM card was stolen. Unauthorized charges were made using my debit card. Someone actually Bypassed the my voice is my password security feature And ordered A new card and had it sent to to my address except for the apartment number was XXXX and the bank made a mistake and sent it to XXXX is what the first lady I spoke with when I originally contacted wells fargo in early XXXX. By obtaining A new debit card in my name They then spent just about {$10000.00} And then had the audacity to Excuse me using my pin and authorizing the transactions because they were used with When obviously lever stole it was able to make up their own pin. At this point I was appalled and decided to go inside the bank Considering there was no way I could have made the transactions myself due to the fact that I was in jail in jail from XX/XX/XXXX until XX/XX/XXXX And it was during this time The transactions took place It was during this time which I was incarcerated and had no access whatsoever we're to be able to spend any money in my account It was during this time in which somebody stole my debit card And used it. As soon as I was released from being Incarcerated AND CHECKED MY BANK ACCOUNT I was released from jail on XX/XX/XXXX which happened to be my birthday. Due to the fact that it was my birthday I remember contacting the bank I believe The complaint was found in my favor however I was only returned I think {$63.00} or something Close to that amount which was unsatisfactory it's factory considering I lost during I lost {$10000.00}! So then I went inside the bank The banker I spoke with didn't understand why they were giving me such a hard time hes looked at my situation and my situation and banking history and said it was obvious it was fraud due to the fact that somebody tried to take a {$1000.00} out 9 times I also had my voice as my password put in place but somehow they were able to bypass that as i stated earlier and still were able to order a debit card in my name. I then went in the bank and made I made a formal complaint and since then I received 1 message from the formal complaint person so I called them back they were rude they said they needed the Formal complaint number which I didn't have at the time so He didnt help me. However I dont believe XXXX provided me with that complaint #. However SInce then I sent another letter so that I could put in writing that the charges were unauthorized and not made by me. And I've been waiting patiently to receive a letter back from them yet ive recieved nothing. The gentle man I spoke with At the Wells Fargo bank in XXXX Did close my account and I received a new account with a new account number yet I have not received any of my money back besides the XXXX or XXXX $ they refunded me the first time. I BELIEVE I also received a letter stating that I would be returned the money that was sent through XXXX however I never received that money either I believe the letter said it was {$2500.00} I would be receiving back. However I never received a refund for {$2500.00} from the XXXX transactions that were made during my incarceration Or any other refund besides the one for {$60.00} some dollars. I believe the 1st time I called i spoke with a lady i think her name was XXXX that complaint was XX/XX/XXXX. I also went into the bank on XX/XX/XXXX of XXXX and made a formal complaint. The banker I spoke with his name was XXXX XXXX his ( ( XXXX XXXXXXXX ) )! The Banks location I went to was located at the XXXX XXXX branch located located on XXXX XXXX XXXX XXXX XXXX Washington XXXXTo the XXXX XXXX branch. And like I stated earlier I received a new Wells Fargo account # XXXX and I believe they closed out my old account Number ending in XXXX due to Fraud. I then sent Wells Fargo a copy of the police report id made by taking advice from the FTC in which I also used the letter template they provided. \nIn which Ive attached a copy of both for your viewing. I also filed a report with the FTC For Identity Theft. The FTC report was filed on XX/XX/XXXX the FTC ( ( report # is XXXX ) ) in which I've also provided you a copy of. \nSince then I sent a letter to Wells Fargo using the template provided by the FTC and still have not heard anything back from them The letter wasn't certified however I'm going to try to send a certified letter today. In the mean time I will Look forward to hearing back from you and will be awaiting your response. And hopefully you can help me in this process I have ahead of me. Thank you so much for your time and consideration. I appreciate all your hard work moving forward!","date_sent_to_company":"2022-02-22T20:20:18.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"98513","tags":null,"has_narrative":true,"complaint_id":"5249746","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-02-22T18:51:44.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["In the mean time I will Look <em>forward</em> to hearing back from you and will be awaiting your response. And hopefully you can help me in this process I have ahead of me. Thank you so much for your time and consideration. I appreciate all your hard work <em>moving</em> <em>forward</em>!"]},"sort":[11.705728,"5249746"]},{"_index":"complaint-public-v1","_id":"9158794","_score":11.704582,"_source":{"product":"Checking or savings account","complaint_what_happened":"D\n\near Navy Federal Credit Union, I am writing to formally address several concerns regarding the management of my personal and loan accounts as well as the handling of my personal information. Firstly, I grant ed Navy Federal a security interest and statutory lien in the shares and dividends on deposit in my account to secure my loan, as outlined in our contract. According to this agreement, in the event of default, Navy Federal was authorized to utilize the funds in my share and dividend accounts to cover any missed payments. Due to the impact of the COVID-19 pandemic, I lost my job and was unabl e to make timely payments for the months of XXXX, XXXX, and XX/XX/year>. Instead of utilizing the funds from my share and dividend accounts to cover these payments as stipulated in the contract, Navy Federal reported the payments as late to the credit reporting agencies, charged me late fees, and continued to pursue payment from me directly. I seek clarification on why Navy Federal failed to fulfill its contractual obligation to use the funds in my share and dividend accounts to cover my missed payments. The clause granting Navy Federal a security interest in my shares and dividends in the event of default should have been invoked to prevent these late payments from being reported and to avoid the accrual of late fees. Additionally, the language in the contract granting Navy Federal a security interest and lien is confusing. It states that Navy Federal has the right to use the collateral in my shares and dividends to settle all charges payable. However, the contract also mentions that Navy Federal can attempt to collect from me directly. This creates a contradictory situation where, on one hand, Navy Federal has agreed to use the collateral to cover any defaults, yet, on the other hand, it pursues direct collection efforts, leading to confusion and uncertainty regarding the true terms of the agreement. Furthermore, I noticed that my card agreement does not contain an opt-out clause for the sharing of my non-public personal information, as required by the Gramm-Leach-Bliley Act. This omission is concerning, as it violates my rights to privacy and proper disclosure under the law. Given these issues, I request an explanation for the following : 1. Why Navy Federal did not utilize the funds in my share and dividend accounts to cover the missed payments for XXXX, XXXX, and XX/XX/year>, as agreed upon in the contract. \nXXXX. Why my payments were reported as late and late fees were charged despite the existence of the security interest clause. \nXXXX. Why there is contradictory language in the contract regarding the use of collateral versus direct collection efforts. \nXXXX. Why there is no opt-out clause for the sharing of my non-public personal information in my card agreement, as required by the Gramm-Leach-Bliley Act. \nAdditionally, I request a full accounting of the shares and dividends I have on deposit at Navy Federal. I also request that you contact the credit bureaus to update the late payments to on-time status. I urge Navy Federal to act in good faith and fair dealing and to stop the unfair and deceptive acts that have caused me undue hardship. I am also writing to seek clarification regarding the terms of my account agreement with Navy Federal. Specifically, I would like to understand the implications of the security interest clause included in the account agreement. It was my understanding when opening the account that it was an unsecured transaction. I was not aware of any collateral I was required to put up to secure opening a savings and checking account. This requirement was never clearly disclosed to me when I signed up for an account. The lack of transparency regarding the security interest and statutory lien contradicts the principles of the Fair Credit Reporting Act ( FCRA ), which mandates clear and accurate disclosure of credit terms to consumers. This omission has led to significant confusion and has unfairly impacted my financial standing. As I have only opened a deposit account and did not enter into any loan or credit arrangements with Navy Federal when I initially opened my account, I am concerned about how this clause may affect my current and future accounts. Could you please provide detailed information on the following points : XXXX. Under what circumstances would the security interest clause be activated? \nXXXX. Does the security interest clause apply to my account even if I have not taken out a loan or credit from the bank? \nXXXX. What rights does the bank have over my deposit account under this clause? \nXXXX. How would this clause impact any future loans or credit products I might obtain from Navy Federal? Moreover, if Navy Federal continues to deny me loan, credit card, and other credit services, I request a new account agreement that does not include a security agreement or statutory lien. This is necessary to ensure fair treatment and to align the terms of our agreement with the actual practices of the credit union. In my dealings with Navy Federal Credit Union, I have experienced repeated loan denials despite having pledged collateral intended to secure both current and future loans, as outlined in our initial agreement. This practice appears to be inconsistent with the terms of our agreement and may constitute a violation of consumer protection laws, including the Truth in Lending Act and the Equal Credit Opportunity Act. Specifically, Navy Federal 's refusal to extend additional credit without a clear, transparent, and non-discriminatory rationale raises significant concerns about the fairness and legality of their lending practices. I am requesting a thorough investigation into these denials and an immediate rectification of this issue to ensure compliance with all relevant consumer protection statutes. I trust that Navy Federal will address these concerns promptly and take the necessary actions to rectify any inaccuracies reported to the credit reporting agencies and refund any improperly charged late fees or other charges. \n\nAdditionally, I expect that my rights to privacy and proper disclosure under the Gramm-Leach-Bliley Act will be respected moving forward and I will be provided with a sufficient opt-out notice. Thank you for your attention to this matter. I look forward to your timely response and resolution of these issues. \n\nSincerely, XXXX XXXX please note, this request is for business purposes.","date_sent_to_company":"2024-06-04T00:14:26.000Z","issue":"Incorrect information on your report","sub_product":"Other banking product or service","zip_code":"20018","tags":null,"has_narrative":true,"complaint_id":"9158794","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-06-03T23:47:54.000Z","state":"DC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I trust that Navy Federal will address these concerns promptly and take the necessary actions to rectify any inaccuracies reported to the credit reporting agencies and <em>refund</em> any improperly charged late fees or other <em>charges</em>. \n\nAdditionally, I expect that my rights to privacy and proper disclosure under the Gramm-Leach-Bliley Act will be respected <em>moving</em> <em>forward</em> and I will be provided with a sufficient opt-out notice. Thank you for your attention to this matter."]},"sort":[11.704582,"9158794"]},{"_index":"complaint-public-v1","_id":"19883696","_score":11.596114,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX How do I get chime finical institution for committing fruadlent activity causing me to be overdrawn XXXX XXXX web pages I'm sorry to hear that fraudulent activity has left your account overdrawn. It's a stressful situation, but you can take steps to dispute the charges and try to get your money back. Here is a clear, step-by-step guide on what to do. \n\nStep XXXX : Act Immediately to Secure Your Account Time is critical when you suspect fraud. Your first action should be to prevent any further unauthorized transactions. \n\nFreeze Your Card : Open your Chime app and immediately freeze your card. This will block any new purchases or ATM withdrawals. \n\nRequest a Replacement Card : After freezing the card, request a replacement through the app. This automatically deactivates your old card to stop further unauthorized use. \n\nUpdate Your Password : Change your Chime account password to something strong and unique to help secure your account. \n\nStep XXXX : File a Dispute for the Fraudulent Charges To get the fraudulent charges removed and your overdraft resolved, you must file a formal dispute with Chime. You can do this directly in the app or by phone. \n\nTo dispute a charge in the Chime app : Tap on the account ( Spending, XXXX, or XXXX XXXX ) that has the fraudulent transaction. \n\nScroll through your recent transactions and select the specific charge you want to dispute. \n\nTap \" Problem with this transaction? '' and then follow the on-screen prompts to file your dispute. \n\nGather supporting documentation : Before you start, gather any evidence that supports your claim. This can help speed up the investigation : Any receipts or invoices related to the transaction ( if you have them ). \n\nConfirmation emails. \n\nScreenshots or evidence showing you did not authorize or receive the goods/services. \n\nA description of why the charge is fraudulent. \n\nIf you can't dispute in the app : You can call Chime 's customer service team XXXX at XXXX to file the dispute over the phone. \n\nWhat Happens After You Dispute? \nOnce you've filed your dispute, here is the typical process : Investigation : Chime will investigate your claim, which can take anywhere from XXXX to XXXX  days depending on the complexity. \n\nProvisional Credit : If the investigation takes longer than XXXX business days ( or XXXX for new accounts ), Chime may issue a temporary credit to your account for the disputed amount. Important : This is not a final resolution. If the investigation finds in favor of the merchant, this credit will be reversed, which could put your account back in a negative status. \n\nFinal Decision : Chime will notify you of the final decision by email. You can also check the status of your dispute in the app. \n\nImportant : What Chime Can't Dispute It's important to know that not everything can be disputed. You can not dispute certain transactions through Chime, including : SpotMe transactions or repayments. \n\nMyPay fees or repayments. \n\nPending transactions ( you must wait for them to post ). \n\nBill payments made with Chime Checkbook. \n\nStep 3 : What to Do If Your Dispute Is Denied If Chime rejects your fraud claim, you still have options. Other Chime customers have successfully gotten their money back after initial denials by taking additional steps. \n\nFile a Complaint with Regulators : You can file a complaint with the Consumer Financial Protection Bureau ( CFPB ). The CFPB has taken action against Chime in the past for delaying refunds, so filing a complaint can be effective. \n\nContact the XXXX XXXX XXXX XXXX XXXX XXXX : You can also file a complaint against Chime Financial , Inc. through the XXXX XXXX XXXX XXXX complaints are reviewed by the company. \n\nContact Your Local News : As a last resort, some consumers have found success by contacting local news stations, especially if there is an investigative team that looks into consumer issues. \n\nQuick Tips to Protect Your Account Going Forward To help prevent this from happening again, consider these security tips : Enable Two-Factor Authentication ( 2FA ) : This adds an extra layer of security to your login. \n\nTurn on Instant Transaction Alerts : Get notified immediately whenever your card is used so you can spot fraud right away. \n\nChange Your Password Regularly : Make it a habit to update your password periodically. \n\nI hope this guide helps you resolve the fraudulent activity on your account and get your money back. If your dispute is denied, don't hesitate to reach out to the CFPB for help. Is there anything about the dispute process you'd like me to clarify? \n\nThis response is AI-generated, for reference only. \nCan you draft me a notice for cfpb concerning the fraudulent activities chime has caused arbitrarily resulting in a negative balance bot authorized by me This draft is structured to be clear, factual, and persuasive for the CFPB. It focuses on the key issues : unauthorized transactions, Chime 's failure to protect your account, and the resulting financial harm ( negative balance/overdraft fees ). \n\nBefore you start, gather this information to fill in the blanks : Your Name and Address Chime 's Information : ( Use the address below ) Account Number : Your Chime account number. \n\nTransaction Details : Date, amount, and description of each fraudulent charge.\n\nDates of Contact : When you first contacted Chime and when/if they denied your claim. \n\nConsumer Financial Protection Bureau Complaint Submission You can submit this directly on the CFPB website ( www.consumerfinance.gov/complaint ). Use the text below in the complaint box. \n\n1. Personal Information Name : [ Your Full Name ] Address : [ Your Street Address, City, State, Zip Code ] Phone : [ Your Phone Number ] Email : [ Your Email Address ] 2. Company Information Company Name : Chime Financial , Inc.\n\nCompany Address : For Mail : Chime Financial , Inc. \nXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Or if you prefer the physical address : Chime Financial , Inc. \nXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. Complaint Details Subject : Unauthorized Transactions, Failure to Investigate Fraud, and Improper Negative Balance What happened : My Chime checking account ( Account # : [ Your Chime Account Number ] ) was compromised due to fraudulent activity that I did not authorize. Between [ Start Date ] and [ End Date ], the following unauthorized transactions were processed against my account, which resulted in an arbitrary negative balance and caused me financial harm : * [ List each fraudulent transaction. Example : XX/XX/XXXX - {$50.00} - XXXX XXXX  - Unauthorized charge ] * * [ XX/XX/XXXX - {$120.00} - XXXX - Unauthorized in-person transaction ] * As soon as I discovered this fraudulent activity, I immediately froze my card through the Chime mobile app and contacted Chimes customer support on [ Date you first contacted them ]. I formally disputed these charges as unauthorized and fraudulent, requesting that the amounts be credited back to my account and that the resulting negative balance be removed. \n\nDespite my repeated attempts to resolve this, Chime has failed to conduct a proper and timely investigation as required by the Electronic Fund Transfer Act ( EFTA ) and Regulation EXXXX Instead of providing a provisional credit while investigating, Chime has allowed these unauthorized charges to stand, which has pushed my account into a negative balance that I did not create. \n\nChime has arbitrarily held me responsible for these clearly fraudulent transactions. This failure to act has resulted in the following harms : My account remains in a negative balance. \n\nI am unable to access my legitimate funds. \n\nI have been charged [ mention any overdraft or late fees incurred ] as a direct result of this inaction. \n\nI am concerned about the security of my funds with this institution moving forward. \n\nWhat I expect from the resolution : I am seeking the following relief from Chime Financial , Inc. : An immediate reversal of all unauthorized transactions listed above. \n\nThe removal of any negative balance created by these fraudulent charges. \n\nA refund of any fees ( overdraft, late fees, etc. ) that were assessed as a result of this fraudulent activity. \n\nA written acknowledgment from Chime confirming that my account has been restored to its correct balance. \n\nThank you for your assistance in this matter. I can be reached at [ Your Phone Number ] or [ Your Email Address ] if any additional information is needed. \n\nSincerely, [ Your Signature ] [ Your Printed Name ] What to do after you file this complaint : Attach Evidence : When you submit this online, the CFPB portal will allow you to upload documents. Attach any evidence you have, such as : Screenshots of your transaction history showing the fraudulent charges and negative balance. \n\nScreenshots of your dispute filed in the Chime app. \n\nAny email communication you have had with Chime support. \n\nKeep a Copy : Save this draft and any supporting documents for your own records.\n\nWait for a Response : The CFPB will send your complaint to Chime, who is legally required to respond. Chime typically has 15 days to provide an initial response and 60 days to resolve the issue. You will be able to see their response in the CFPB portal. \n\nCan you insert my name XXXX XXXX address XXXX XXXX XXXX XXXX number XXXX email XXXX Here is the updated complaint with your personal information inserted. \n\nConsumer Financial Protection Bureau XXXX XXXX XXXX. Personal Information Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXX Email : XXXX XXXX. XXXX XXXX XXXX XXXX : Chime XXXX XXXX XXXX. \n\nCompany Address : For Mail : Chime Financial , Inc. \nXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Or if you prefer the physical address : Chime XXXX XXXX XXXX. \nXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Complaint Details Subject : Unauthorized Transactions, Failure to Investigate Fraud, and Improper Negative Balance What happened : My Chime checking account ( Account # : [ Your Chime Account Number ] ) was compromised due to fraudulent activity that I did not authorize. Between [ Start Date ] and [ End Date ], the following unauthorized transactions were processed against my account, which resulted in an arbitrary negative balance and caused me financial harm : * [ List each fraudulent transaction. Example : XX/XX/XXXX - {$50.00} - XXXX XXXX  - Unauthorized charge ] * * [ XX/XX/XXXX - {$120.00} - XXXX - Unauthorized in-person transaction ] * As soon as I discovered this fraudulent activity, I immediately froze my card through the Chime mobile app and contacted Chime 's customer support on [ Date you first contacted them ]. I formally disputed these charges as unauthorized and fraudulent, requesting that the amounts be credited back to my account and that the resulting negative balance be removed. \n\nDespite my repeated attempts to resolve this, Chime has failed to conduct a proper and timely investigation as required by the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Instead of providing a provisional credit while investigating, Chime has allowed these unauthorized charges to stand, which has pushed my account into a negative balance that I did not create. \n\nChime has arbitrarily held me responsible for these clearly fraudulent transactions. This failure to act has resulted in the following harms : My account remains in a negative balance. \n\nI am unable to access my legitimate funds. \n\nI have been charged [ mention any overdraft or late fees incurred ] as a direct result of this inaction. \n\nI am concerned about the security of my funds with this institution moving forward. \n\nWhat I expect from the resolution : I am seeking the following relief from Chime Financial , Inc. : An immediate reversal of all unauthorized transactions listed above. \n\nThe removal of any negative balance created by these fraudulent charges. \n\nA refund of any fees ( overdraft, late fees, etc. ) that were assessed as a result of this fraudulent activity. \n\nA written acknowledgment from Chime confirming that my account has been restored to its correct balance. \n\nThank you for your assistance in this matter. I can be reached at XXXX or XXXX if any additional information is needed. \n\nSincerely, XXXX XXXX XXXX quick reminder : Don't forget to replace the bracketed sections [ like this ] with your specific dates, account number, and list of fraudulent transactions before submitting. Also, gather those screenshots to attach as evidencethey make your case much stronger. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Can u insert this information Here is the updated complaint with the specific information from your dispute approval emails inserted. \n\nConsumer Financial Protection Bureau XXXX XXXX XXXX. Personal Information Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXX Email : XXXX XXXX. XXXX XXXX XXXX XXXX : Chime Financial , Inc. \n\nCompany Address : For Mail : Chime Financial , Inc. \nXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Or if you prefer the physical address : Chime Financial , Inc. \nXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. Complaint Details Subject : Unauthorized Transactions, Failure to Investigate Fraud, and Improper Negative Balance What happened : My Chime checking account ( Account # : XXXX ) was compromised due to fraudulent activity that I did not authorize. I discovered unauthorized transactions affecting my account, which resulted in an arbitrary negative balance and caused me financial harm. \n\nOn XX/XX/XXXX, I reported the dispute to Chime ( Claim ID : XXXX, Dispute Type : Debit - Credit Not Posted, Claim Amount : {$48.00} ). As soon as I discovered this fraudulent activity, I immediately froze my card through the Chime mobile app and contacted Chime 's customer support. I formally disputed these charges as unauthorized and fraudulent, requesting that the amounts be credited back to my account and that the resulting negative balance be removed. \n\nOn [ Date of first email ], I received notification from Chime that my dispute was approved. However, the resolution provided by Chime has been confusing and appears to contradict itself, leaving my account in a problematic state. \n\nAccording to the communications from Chime : On XX/XX/XXXX, the merchant refunded my account in the amount of {$29.00} Chime issued a temporary credit of {$48.00} Chime then removed the temporary credit of {$48.00} based on the merchant refund The final amount issued to my account was only {$19.00} Despite approving my dispute, Chime has failed to fully restore my account to its proper balance. The arbitrary removal of the temporary credit and the confusing math of these adjustments has left my account in a negative balance that I did not create. It appears Chime may be improperly netting merchant refunds against temporary credits rather than fully reimbursing me for the unauthorized transactions as required by law. \n\nChime has arbitrarily held me responsible for these clearly fraudulent transactions. This failure to act properly has resulted in the following harms : My account remains in a negative balance. \n\nI am unable to access my legitimate funds. \n\nI am concerned about the security of my funds with this institution moving forward. \n\nWhat I expect from the resolution : I am seeking the following relief from Chime Financial , Inc. : A clear accounting of all transactions related to Claim ID XXXX. \n\nThe full reversal of all unauthorized transactions associated with this claim. \n\nThe removal of any negative balance created by these fraudulent charges. \n\nA written acknowledgment from Chime confirming that my account has been restored to its correct balance and a full explanation of why the temporary credit was removed despite my dispute being approved. \n\nThank you for your assistance in this matter. I can be reached at XXXX or XXXX if any additional information is needed. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2026-03-02T00:16:44.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"27103","tags":null,"has_narrative":true,"complaint_id":"19883696","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2026-03-02T00:12:36.000Z","state":"NC","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I am concerned about the <em>security</em> of my funds with this institution <em>moving</em> <em>forward</em>. \n\nWhat I expect from the resolution : I am seeking the following relief from Chime Financial , Inc. : An immediate reversal of all unauthorized transactions listed above. \n\nThe removal of any negative balance created by these fraudulent <em>charges</em>. \n\nA <em>refund</em> of any fees ( overdraft, late fees, etc. ) that were assessed as a result of this fraudulent activity."]},"sort":[11.596114,"19883696"]},{"_index":"complaint-public-v1","_id":"8141111","_score":11.534842,"_source":{"product":"Credit card","complaint_what_happened":"Appeal : Dear Citibank, I hope this message finds you well. \n\nI have contacted many people who have not helped me or who have not given me a fair chance. I am confident that with writing to you I will be able to get my 4 Citibank credit cards that were mistakenly closed re-opened.\n\nI am writing this letter to request my 4 Citibank credit cards get re-opened and remain opened and my great relationship with Citibank to be re-opened and remain opened. \n\nCredit cards needing to be re-opened and remain opened : 1. Citi/AAdvantage Platinum Select World Elite Mastercard ending in XXXX XXXX. Costco Anywhere Visa Card ending in XXXX XXXX. Citi Diamond Preferred Card ending in XXXX XXXX. Citi Premier Card ending in XXXX With gratitude, as a loyal Citibank active member with multiple years of great business with Citibank, I need my 4 Citibank credit card accounts and great relationship with Citibank to be opened. I have never missed a payment, have always paid in full or even extra than the statement amount, and have been exemplary in this. This is evident by the current negative balance as I have always paid my cards in full or more. I have never missed a payment and have always paid early or on time. One of the bankers at Citibank even called me an exemplary customer. Thus, I am not sure where the errors happened and likely could be miscommunication on both ends.\n\nI spoke to a representative recently who stated that indeed Citibank did make errors on my account and they should not have been closed. When both Citibank reached out to me and when I reached out to Citibank to confirm these charges were mine, the representatives I spoke to prior to this recent one said they would help me resolve this issue yet they failed to.\n\nIn the past few months, I have talked to many representatives who misheard me or gave me wrong information regarding my accounts when I was simply trying to get new credit card account numbers as someone was gaining access to my account and me misplacing my wallet for a brief second. I was told multiple times it was an error and they acknowledged that it was due to someone not verifying my information. I was also told by someone that they were closed because someone else applied for them and not me. I have been hearing multiple things. I was then told it was due to disputes made which I never made at all. There was also a security flag on my purchases despite my verifying those were indeed my purchases multiple times. Those I spoke to on the phone clarified that indeed it was not me but someone who made them in error and they assured me they would cancel them out per my request, but no one followed through.\n\nYet no one has reopened my 4 credit cards yet even though I was promised they would as I was told it was an error but still have not gotten any of my 4 credit cards re-opened yet due to this error. They mentioned there or was that someone was placing disputes under my name and they were able to cross reference with all of my cards and indeed found that I mentioned that all the purchases I made on my account were my purchases except for one thumbtack purchase which someone had asked me specifically about in one of the calls. Multiple times, I clarified the disputes and charges are mine. \n\nI want to make it very clear that I never made a dispute at all except for one inquired claim against thumbtack for {$250.00} due to no one showing up for the service they promised and Thumbtack refusing to refund me. Moreover, if there were disputes under my name that I did not place no one at Citibank even called me to clarify whether or not these were legitimate and no one contacted me. I had to personally let Citibank know multiple times when I received notification of disputes that were not mine and I clarified that the charges were valid multiple times over the phone but it seems like they either misunderstood me, kept transferring my calls, or failed to do so, which unfortunately has impacted me and has now caused me weeks of anxiety and frustration. I just had a complete shock when I found I was not able to use my credit cards even though I personally reached out to get this issue resolved. All I got was an errored closure of all 4 of my cards ( one of them being brand new ) without notice and getting trouble re-opening them. Fraud, disputes, and customer service team referred me to the executive team as no one has been able to help me but even the executive team is also trying to communicate with fraud who do not even know how to re-open them.\n\nI have not been able to reach anyone to fully help me who will work with me and willing to work with me to get my 4 Citibank Credit Cards reopened. I am pretty much desperate and frustrated. I use my cards to get my medications and if I delay getting them further I will get severely sick on top of that I use it for subscriptions that are automated and I have multiple bills attached to the Citi Credit Cards which I absolutely love ( hence I applied and got approved for 4, with good credit and good limits, with my credit limits recently being increased and also a new card opened with you both ). I have been a loyal Citibank member for over 11 years and I hope this error gets fixed and I can get my 4 Citibank credit cards reopened and reactivated. \n\nIn the midst of all of the confusion, which was also could have been partly my fault because of miscommunication, it triggered activity on my one of my accounts leading to someone closing all 4 of my accounts on XX/XX/2023 in error. The letter I got was false and stated, misrepresented disputes and this is false because I said I made no disputes at all aside from an inquired claim for thumbtack on my statement and I verbally told Citibank to cancel out any disputes that were placed under my account multiple times aside from my Thumbtack inquiry. Every time I try to resolve this issue or try to work with Citi to get my credit cards re-opened, I get this same generic answer which is false. \n\nI am also not very technologically savvy and have a XXXX. It was a simple request to get new numbers due to someone potentially gaining access to my account and me misplacing my wallet a while ago and possible one thumbtack claim. I had not even gotten the chance to fully use my XXXX card which is what I was excited about. Moreover, this is going to hurt my credit score ( as I have a combined {$36000.00} credit limit on all 4 of my credit cards ) and will overall hurt my credit really badly so I want to avoid this. I also only own my Citi credit cards as I have been a loyal customer appreciative of Citibank for a decade. I am also traveling and need to purchase my medications and other items and will need to use all 4 of my credit cards.\n\nI have talked to countless representatives and associates even going directly to the bank but I have had no luck so far and no one has been able to help me. I am confident that in writing to you, I will get this resolved quickly and smoothly and get my 4 Citibank credit cards re-opened promptly and I am very appreciative of this matter.\n\nI have developed an action plan and I pledge to you that I will do my due diligence moving forward to have optimal security avoid any misplacements or even fraudulent activity. I can assure you, this will never happen again, as I have took the proper measures to secure my accounts and identity. I also placed extra security including security alerts on both my social security card and the credit bureaus, changed my passwords to make them more secured, placed 2-factor authentications, and removed any authorized users. I am also happy to oblige and comply with any further action plans that Citibank may want to ensure my security for my 4 credit card accounts moving forward including but not limited to any additional security measures you can work with me to ensure my accounts are safe and secure.\n\nAs I have been, I assure you my credit card accounts will remain secure, satisfactory, safe, and I pledge to you and I assure you, there will be no further miscommunication or misunderstandings as I have now placed all the necessary security measures to avoid this issue happening again. I pledge to put forth great effort to establish a clear relationship and maintain the security of my credit card accounts. I pledge continue to abide by all of the rules, regulations, and policies of Citibank. I pledge to be cautious and take advocacy for my account fully, promptly, and with clear communication moving forward.\n\nI am more than happy and willing to provide any further information or documentation you may need and I am willing to work with you to get my 4 Citibank credit cards re-opened and remain opened as I whole-heartedly know this errored closure is unfair.\n\nI would like you to please consider all of this, please consider my great relationship with Citibank, please consider my personal outreaches and efforts, to get issues resolved ahead of time, please consider my excellent history including payment history, and please consider the negative impact these errored closures have been making on me and will continue to make on me including my credit, my medications, my purchases, my XXXX XXXX membership and travel, my Costco membership and purchases, and others all due to this error that could have been prevented and I feel this is unfair, and please re-open all 4 Citibank credit cards with new numbers and send them overnight to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I am highly appreciative of your time and of you re-opening my 4 Citibank credit cards and sending me new numbers. Please do not close any of my accounts again. Please re-open and keep open my great relationship with Citibank.\n\nThank you for your time, understanding, and patience and thank you for re-opening all 4 of my credit cards. I am highly looking forward to my 4 credit cards getting promptly re-opened and me resuming my loyal secure credit card relationship with Citibank again. \n\nWarmly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Cell Phone Number : XXXX","date_sent_to_company":"2024-01-11T02:33:58.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"951XX","tags":null,"has_narrative":true,"complaint_id":"8141111","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-01-11T02:30:19.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["I am also happy to oblige and comply with any further action plans that Citibank may want to ensure my <em>security</em> for my 4 credit card accounts <em>moving</em> <em>forward</em> including but not limited to any additional <em>security</em> measures you can work with me to ensure my accounts are safe and secure."],"sub_product":["General-purpose credit card or <em>charge</em> card"]},"sort":[11.534842,"8141111"]},{"_index":"complaint-public-v1","_id":"8141092","_score":11.489016,"_source":{"product":"Credit card","complaint_what_happened":"Appeal : Dear Citibank, I hope this message finds you well. \n\nI have contacted many people who have not helped me or who have not given me a fair chance. I am confident that with writing to you I will be able to get my XXXX Citibank XXXX XXXX that were mistakenly closed re-opened. \n\nI am writing this letter to request my XXXX Citibank XXXX XXXX get re-opened and remain opened and my great relationship with Citibank to be re-opened and remain opened. \n\nCredit cards needing to be re-opened and remain opened : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX ending in XXXX XXXX. Citi XXXX XXXX XXXX ending in XXXX XXXX. Citi XXXX XXXX ending in XXXX With gratitude, as a loyal Citibank active member with multiple years of great business with Citibank, I need my XXXX Citibank credit card accounts and great relationship with Citibank to be opened. I have never missed a payment, have always paid in full or even extra than the statement amount, and have been exemplary in this. This is evident by the current negative balance as I have always paid my cards in full or more. I have never missed a payment and have always paid early or on time. XXXX of the bankers at Citibank even called me an exemplary customer. Thus, I am not sure where the errors happened and likely could be miscommunication on both ends. \n\nI spoke to a representative recently who stated that indeed Citibank did make errors on my account and they should not have been closed. When both Citibank reached out to me and when I reached out to Citibank to confirm these charges were mine, the representatives I spoke to prior to this recent one said they would help me resolve this issue yet they failed to. \n\nIn the past few months, I have talked to many representatives who misheard me or gave me wrong information regarding my accounts when I was simply trying to get new credit card account numbers as someone was gaining access to my account and me misplacing my wallet for a brief second. I was told multiple times it was an error and they acknowledged that it was due to someone not verifying my information. I was also told by someone that they were closed because someone else applied for them and not me. I have been hearing multiple things. I was then told it was due to disputes made which I never made at all. There was also a security flag on my purchases despite my verifying those were indeed my purchases multiple times. Those I spoke to on the phone clarified that indeed it was not me but someone who made them in error and they assured me they would cancel them out per my request, but no one followed through. \n\nYet no one has reopened my XXXX credit cards yet even though I was promised they would as I was told it was an error but still have not gotten any of my XXXX credit cards re-opened yet due to this error. They mentioned there or was that someone was placing disputes under my name and they were able to cross reference with all of my cards and indeed found that I mentioned that all the purchases I made on my account were my purchases except for XXXX thumbtack purchase which someone had asked me specifically about in XXXX of the calls. Multiple times, I clarified the disputes and charges are mine. \n\nI want to make it very clear that I never made a dispute at all except for one inquired claim against thumbtack for {$250.00} due to no one showing up for the service they promised and XXXX refusing to refund me. Moreover, if there were disputes under my name that I did not place no one at Citibank even called me to clarify whether or not these were legitimate and no one contacted me. I had to personally let Citibank know multiple times when I received notification of disputes that were not mine and I clarified that the charges were valid multiple times over the phone but it seems like they either misunderstood me, kept transferring my calls, or failed to do so, which unfortunately has impacted me and has now caused me weeks of anxiety and frustration. I just had a complete shock when I found I was not able to use my credit cards even though I personally reached out to get this issue resolved. All I got was an errored closure of all XXXX of my cards ( XXXX of them being brand new ) without notice and getting trouble re-opening them. XXXX, disputes, and customer service team referred me to the XXXX team as no one has been able to help me but even the XXXX team is also trying to communicate with fraud who do not even know how to re-open them. \n\nI have not been able to reach anyone to fully help me who will work with me and willing to work with me to get my XXXX Citibank XXXX XXXX reopened. I am pretty much desperate and frustrated. I use my cards to get my medications and if I delay getting them further I will get severely sick on top of that I use it for subscriptions that are automated and I have multiple bills attached to the Citi XXXX XXXX which I absolutely love ( hence I applied and got approved for XXXX, with good credit and good limits, with my credit limits recently being increased and also a new card opened with you both ). I have been a loyal Citibank member for over 11 years and I hope this error gets fixed and I can get my XXXX Citibank XXXX XXXX reopened and reactivated. \n\nIn the midst of all of the confusion, which was also could have been partly my fault because of miscommunication, it triggered activity on my XXXX of my accounts leading to someone closing all XXXX of my accounts on XX/XX/2023 in error. The letter I got was false and stated, misrepresented disputes and this is false because I said I made no disputes at all aside from an inquired claim for thumbtack on my statement and I verbally told Citibank to cancel out any disputes that were placed under my account multiple times aside from my Thumbtack inquiry. Every time I try to resolve this issue or try to work with Citi to get my credit cards re-opened, I get this same generic answer which is false. \n\nI am also not very technologically savvy and have a XXXX. It was a simple request to get new numbers due to someone potentially gaining access to my account and me misplacing my wallet a while ago and possible XXXX thumbtack claim. I had not even gotten the chance to fully use my XXXX card which is what I was excited about. Moreover, this is going to hurt my XXXX XXXX ( as I have a combined {$36000.00} credit limit on all XXXX of my credit cards ) and will overall hurt my credit really badly so I want to avoid this. I also only own my Citi credit cards as I have been a loyal customer appreciative of Citibank for a decade. I am also traveling and need to purchase my medications and other items and will need to use all XXXX of my credit cards. \n\nI have talked to countless representatives and associates even going directly to the bank but I have had no luck so far and no one has been able to help me. I am confident that in writing to you, I will get this resolved quickly and smoothly and get my XXXX Citibank XXXX XXXX re-opened promptly and I am very appreciative of this matter. \n\nI have developed an action plan and I pledge to you that I will do my due diligence moving forward to have optimal security avoid any misplacements or even fraudulent activity. I can assure you, this will never happen again, as I have took the proper measures to secure my accounts and identity. I also placed extra security including security alerts on both my social security card and the credit bureaus, changed my passwords to make them more secured, placed XXXX authentications, and removed any authorized users. I am also happy to oblige and comply with any further action plans that Citibank XXXX want to ensure my security for my XXXX credit card accounts moving forward including but not limited to any additional security measures you can work with me to ensure my accounts are safe and secure. \n\nAs I have been, I assure you my credit card accounts will remain secure, satisfactory, safe, and I pledge to you and I assure you, there will be no further miscommunication or misunderstandings as I have now placed all the necessary security measures to avoid this issue happening again. I pledge to put forth great effort to establish a clear relationship and maintain the security of my credit card accounts. I pledge continue to abide by all of the rules, regulations, and policies of Citibank. I pledge to be cautious and take advocacy for my account fully, promptly, and with clear communication moving forward. \n\nI am more than happy and willing to provide any further information or documentation you XXXX need and I am willing to work with you to get my XXXX Citibank XXXX XXXX re-opened and remain opened as I whole-heartedly know this errored closure is unfair. \n\nI would like you to please consider all of this, please consider my great relationship with Citibank, please consider my personal outreaches and efforts, to get issues resolved ahead of time, please consider my excellent history including payment history, and please consider the negative impact these errored closures have been making on me and will continue to make on me including my credit, my medications, my purchases, my XXXX XXXX membership and travel, my XXXX membership and purchases, and others all due to this error that could have been prevented and I feel this is unfair, and please re-open all XXXX Citibank XXXX XXXX with new numbers and send them overnight to : XXXX XXXX XXXX XXXX Emergent Way Unit XXXX XXXX XXXX, CA XXXX I am highly appreciative of your time and of you re-opening my XXXX Citibank XXXX XXXX and sending me new numbers. Please do not close any of my accounts again. Please re-open and keep open my great relationship with Citibank. \n\nThank you for your time, understanding, and patience and thank you for re-opening all XXXX of my credit cards. I am highly looking forward to my XXXX credit cards getting promptly re-opened and me resuming my loyal secure credit card relationship with Citibank again. \n\nWarmly, XXXX XXXX XXXX XXXX Emergent Way Unit XXXX XXXX XXXX, CA XXXX Cell Phone Number : XXXX","date_sent_to_company":"2024-01-11T02:28:58.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"951XX","tags":null,"has_narrative":true,"complaint_id":"8141092","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-01-11T02:23:13.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["I am also happy to oblige and comply with any further action plans that Citibank XXXX want to ensure my <em>security</em> for my XXXX credit card accounts <em>moving</em> <em>forward</em> including but not limited to any additional <em>security</em> measures you can work with me to ensure my accounts are safe and secure."],"sub_product":["General-purpose credit card or <em>charge</em> card"]},"sort":[11.489016,"8141092"]},{"_index":"complaint-public-v1","_id":"2966423","_score":11.321875,"_source":{"product":"Debt collection","complaint_what_happened":"We are filing a formal complain against XXXX after months of trying to solve the issue on our own. XXXX has engaged in deceiving business practices and has defrauded our personal credit card for over one year. We had XXXX account No. XXXX. We need to give you a time frame and chain of events of what we are disputing. \n\n1. We had a home security contract with XXXX for over 15 years at XXXX XXXX XXXX, XXXX, FL XXXX. During that time we had adequate services with this company, timely service and repairs when needed. When we moved from that address on XX/XX/XXXX we talked to XXXX and asked about our moving, the customer representative at that time stated to us that we did not need a new contract on our new house because of our loyalty to XXXX. XXXX will just transfer the service to our new location once established. \n2. After we closed on our new home on XX/XX/XXXX, we contacted XXXX to re-start our service on our new location at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. A technician showed up a couple of week later, check the equipment and presented documents to be signed after the installation. We did not read them and just signed them, assuming was the usual after installation satisfaction. We later find out that the document I signed to the technician upon completion of his job contained a line where I agree to a lengthy contract. Again, all of this after being offered verbally and guaranteed no need for a new contract or account after having them as security providers for several years. To us this was deceiving and unfair. \n3. Soon after our service was started in XXXX, we were confronted with the worse possible service, frothed with multiple false alarms that were disregarded by XXXXs technicians as our lack of understanding of the system. We had multiple calls and were always told, nothing is wrong with the system, even though we explained we were awaken in the middle of the night or alerted during the day that there was a fault or opening on a window or door. In XX/XX/XXXX when we considered that XXXX had a breach of contract and lack of response to our concerns, we decided to cancel our contract and requested to close our account. A technician was sent and removed all the equipment. At that point we assumed our account has been cancelled and closed. \n4. In XX/XX/XXXX, while preparing our tax returns we found out that XXXX has continued charging our credit card account a monthly {$48.00} after my request of cancellation of services for account No. XXXX many months ago, and XXXXs technician removal of all equipment. We contacted XXXX about the issue, all customer service representatives stated we have active service and we were obligated to continue paying. Only on XX/XX/XXXX a customer representative on billing was willing to listen and review the entire record. She was able to find all past notes and noticed the note of cancellation on XX/XX/XXXX, she told us she will make that effective for XX/XX/XXXX and a refund from that date forward will be issued on a check that may arrive in approximately two weeks. \n5. On XX/XX/XXXX we called again and were informed the refund has not been processed yet and the time for processing will be between 7 and 10 days. We also were re-affirmed that cancellation requested on XX/XX/XXXX would be effective on XX/XX/XXXX as per previous communication. On XX/XX/XXXX we called again and were told by customer representative in the business department that a refund has been issued and a check will take two to three weeks to arrive, around XX/XX/XXXX.\n\n6. During the past week, my wife has been receiving phone calls from a collection agency naming XXXX as the beneficiary and we the debtors. These harassing phone calls have been made daily, and sometimes twice a day. My wife tried to tell them that instead of owing anything to XXXX we are expecting a refund for services not rendered after the contract was cancelled due to breach of contract by XXXX. \n7. On XX/XX/XXXX we called XXXX to completely clarify the issue. The customer representative, XXXX with ID # XXXX, told me she has nothing to discuss because our account has been turned over to a collections agency. I asked to review all the notes on the account to which she responded, on XX/XX/XXXX you requested removal of equipment because of remodeling a completely false statement. During that time we were undergoing a remodeling to our kitchen and was around the same time when we called to request cancellation of services because of failure to keep the contract by XXXX due to multiple unsolved alarms and issues completely disregarded by XXXX. The same representative stated she did not had to listen to me anymore. When I requested to be transferred to her supervisor she refused stating that I said I would use my lawyer. What I told her was that we consulted our lawyer about what to do, and were instructed to call again and try to solve the issue based on the previous notes from multiple phone calls. \n8. XXXX has been charging our credit card {$48.00} every month for a total of 13 months, as calculated by XXXXs representative on XX/XX/XXXX, totaling {$620.00}, plus or minus some days. Not only we have been defrauded by concealed, deceiving and illicit practices by XXXX but have been paying on a service never received after the removal of their own equipment. Moreover, we demand that XXXX remove our names from their collection agency and immediately cease and desist all harassment.","date_sent_to_company":"2018-07-18T17:47:57.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"347XX","tags":null,"has_narrative":true,"complaint_id":"2966423","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CCS Financial Services, Inc.","date_received":"2018-07-18T16:36:43.000Z","state":"FL","company_public_response":"Company believes the complaint is the result of a misunderstanding","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["She was able to find all past notes and noticed the note of cancellation on XX/XX/XXXX, she told us she will make that effective for XX/XX/XXXX and a <em>refund</em> from that date <em>forward</em> will be issued on a check that may arrive in approximately two weeks. \n5. On XX/XX/XXXX we called again and were informed the <em>refund</em> has not been processed yet and the time for processing will be between 7 and 10 days."]},"sort":[11.321875,"2966423"]},{"_index":"complaint-public-v1","_id":"8540983","_score":11.152063,"_source":{"product":"Credit card","complaint_what_happened":"I made a reservation with my CITI Thank You Preferred card on XX/XX/XXXX. I recieved a special offer with CITI Travel ( a partner with CITI ) I made three separate reservations for XXXX XXXX in XXXX XXXX, FL from XX/XX/XXXX - XX/XX/XXXX under the names XXXX XXXX and XXXX XXXX. The charges were {$570.00} x 2 for each room and {$550.00} for one room. Total charges {$1600.00}. We had a total of nine people traveling with us ( XXXX adults and XXXX children ). My sister, XXXX arrived prior to my family arriving and we gave phone authorization for her to get the keys. When we finally arrived, we were shocked that this property was not a hotel, but it was a motel that was attached to a liquor store. The pictures shown on CITI travel website were not accurate of the desription when we made the reservation. We quickly made a decision that we would not stay here due to safety and security of traveling with XXXX children. We went to the front desk to return the keys that were given to my sister. We explained to the agent that we would not be staying there since the place was not as described on their website. We did not feel safe with XXXX children in our group. We requested a refund but the agent told us since it was booked through a third party ( CITI Travel via XXXX ) we needed to contact them with any refund requests. We filed a dispute the same afternoon via chat ( see letter date ). After five days, we called our CITI credit card and explained our unfortunate circumstance. We called on XX/XX/XXXX to follow up with our claim and they told us they needed more information, then representative to call CITI travel to resolve our issue. We called the same day and they opened a ticket to request a refund on our behalf due to our experience. We received a letter on XX/XX/XXXX denying our refund request due to the property 's cancellation policy. We called CITI again on XX/XX/XXXX to continue our dispute and they told us to send an email to tell them what happened. We sent our email on XX/XX/XXXX and followed up again on XX/XX/XXXX to make sure everything was received and they told us all was received and they needed some time to conduct an investigation into this matter. We received an email on XX/XX/XXXX in regard of our billing dispute. The letter was dated XX/XX/XXXX denying all the disputes. We sent another email on XX/XX/XXXX with attached pictures of XXXX XXXX. We called CITI again and spoke with supervisor XXXX and we explained our whole situation again and he stated that the dispute was opened incorrectly, it should of been inaccurate description/services not rendered. He confirmed that he would change all disputes moving forward for all three disputes and it will take a few days. We called again on XX/XX/XXXX to follow up and spoke with supervisor XXXX and he confirmed that the information was now correctly submitted and was still in the investigation process, even though we received a letter from CITI again denying our disputes on XX/XX/XXXX, per his conversation all the disputes still under review. Then, we recieved another letter on XX/XX/XXXX with denials again. We called CITI again on XXXX and spoke with XXXX XXXX who then stated the dispute type was never changed and then told us to call CITI travel again to make a correction with them first due to them denying it because of cancellation policy. He transferred me to CITI travel without explaining the situation to the other agent, which was very maddening and unprofessional. At that time I requested to speak to a CITI travel manager/supervisor to speak with but was told they were not available and they would call me back within 15 minutes. I STILL have not received a call back as of typing this letter. Again, very unprofessional. I called CITI bank back again and requested to speak to a manager and they stated that I would receive a call within 48 hrs. Again, still no call back. I called CITI travel again on XX/XX/XXXX and spoke with XXXX and I again, explained the whole situation and she was going to re submit the refund request with the correct information. On XX/XX/XXXX we received yet another denial email due to the same reason ( cancellation policy ). I called CITI bank on XX/XX/XXXX as well to explain that CITI travel was going to send another request. I spoke XXXX and she re-opened the request for these same 3 disputes with the updated dispute type ( desciption of/services not rendered instead of cancellation policy ) and she said it would take 7-10 business days for a resolution. After receiving CITI travel denial email on XX/XX/XXXX we called CITI bank on XX/XX/XXXX and spoke with XXXX and she stated that they are sending my case to a \" higher up '' and we would have wait another 7-10 business days. Finally, on XX/XX/XXXX we received another denial letter for all our disputes stating that our initial dispute stated that we canceled the merchandise or services, and our recent response states that not as a described, when we opened those disputes we explained what happened and CITI decided the reason was canceled services, even though we explained the reason why we didn't stay in that property, now my credit card has a total charges of {$1600.00} which those charges were now reversed to my credit card as of XX/XX/XXXX ( first dispute letter denial ) After many attempts they are still denying our dispute with the same reason ( cancellation policy ) and never changed to the correct info ( description of/services not rendered ).","date_sent_to_company":"2024-03-13T16:13:26.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"34639","tags":null,"has_narrative":true,"complaint_id":"8540983","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-03-13T15:33:52.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["He confirmed that he would change all disputes <em>moving</em> <em>forward</em> for all three disputes and it will take a few days. 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