{"took":92,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":166,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"18658217","_score":17.596762,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX, I discovered my ATM card was blocked when attempting to withdraw funds at the bank. I reached out to TD customer service that afternoon. I was forced to answer a long series of questions about my financial background and credit information. After doing so, I was told that the card had been unblocked, and could be used immediately. When I inquired why the account has been blocked, the representative could not provide a concrete reason. I was told that the account could be randomly flagged by TD Bank. Without any tangible reason, I have no way to prevent something like this from happening again. \n\nI attempted to use the card both that afternoon again and the next day. I discovered both times that it was still blocked. I attempted to call customer service again on XX/XX/XXXX, and received no assistance again. This account has been used for years in my business. The card is used to make frequent and essential cash withdrawals. Blocking the card randomly, refusing to tell me why it was blocked, and refusing to restore access to the card despite answering long lists of security questions has caused a myriad of issues.","date_sent_to_company":"2026-01-12T19:40:19.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"34983","tags":null,"has_narrative":true,"complaint_id":"18658217","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2026-01-12T19:22:19.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, I discovered my ATM card was <em>blocked</em> when attempting to withdraw funds at the bank. I reached out to TD customer service that afternoon. I was <em>forced</em> to answer a long series of questions about my financial background and credit information. After doing so, I was told that the card had been unblocked, and could be used immediately. When I inquired why the <em>account</em> has been <em>blocked</em>, the representative could not provide a concrete <em>reason</em>."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[17.596762,"18658217"]},{"_index":"complaint-public-v1","_id":"3636485","_score":17.244637,"_source":{"product":"Checking or savings account","complaint_what_happened":"I went to BB & t at XXXX XXXX XXXX XXXX Washington DC XXXX. I went to pick up a new temporary debit card Cause the permanent card was ordered but never sent to me. At the tellers window a bank employee by the name of XXXX refused to issue me a new temp card even after the bank issued me 10 without any complaint or issues about it. The temp cards expire so you are forced to renew them as well. I called customer service while there and it was discovered that the bank I went to listed above refused to reissue the card after cutting the old one in half making it impossible for me to access my account for no reason. Customer service said they blocked my account at the branch only and that it was not BB & t but only an employee at this branch that refused to remove the block for no reason. They refused to let me then withdraw money for no reason and had security pull me out of their branch when I asked them to work with customer service by phone. Im submitting a complaint to have this branch to unlock my account please have executives assist me.","date_sent_to_company":"2020-05-04T17:45:18.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"606XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3636485","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2020-05-04T17:34:48.000Z","state":"IL","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 temp cards expire so you are <em>forced</em> to renew them as well. I called customer service while there and it was discovered that the bank I went to listed above refused to reissue the card after cutting the old one in half making it impossible for me to access my <em>account</em> for no <em>reason</em>. Customer service said they <em>blocked</em> my <em>account</em> at the branch only and that it was not BB & t but only an employee at this branch that refused to remove the <em>block</em> for no <em>reason</em>."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[17.244637,"3636485"]},{"_index":"complaint-public-v1","_id":"4736645","_score":15.532439,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Since XX/XX/2021, every time I've made a payment AMEX has refused to let me use my line of credit unless they called my bank to verify that I have money in the account or that the payment was posted. They even blocked my card and made me verify my bank details when I attempted to buy a bottle of juice of the train. This was never the case before then. My XXXX  friends who have the same card are never forced to verify that they have funds before using their line of credit. This makes traveling extremely inconvenient. At first, their excuse was that I was randomly selected to verify my information. Then it was that I tripped security protocols without emphasizing what exactly happened to do it. On XX/XX/2021, and XX/XX/2021 their dashboard claimed that a payment was returned for insufficient funds. Not sure if it was because of the weekend or holiday but in my bank statement it showed that AMEX took the money from the account without issue. They revoked my entire line of credit because of it. I was forced to call my bank again because I knew that was a lie. They did not leave a note updating this discovery for the next agent. They did not remove the false returned payment listed in the dashboard. Each time I make a payment I am forced to call my bank to verify redundant information and each time my bank sides with me. I believe American Express is discriminating against XXXX cardholders. There is no reason why I have to verify my bank each and every time I make a payment to access my line of credit.","date_sent_to_company":"2021-09-20T19:27:07.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"14609","tags":null,"has_narrative":true,"complaint_id":"4736645","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2021-09-20T19:00:04.000Z","state":"NY","company_public_response":null,"sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["Since XX/XX/2021, every time I've made a payment AMEX has refused to let me use my line of credit unless they called my bank to verify that I have money in the <em>account</em> or that the payment was posted. They even <em>blocked</em> my card and made me verify my bank details when I attempted to buy a bottle of juice of the train. This was never the case before then. My XXXX  friends who have the same card are never <em>forced</em> to verify that they have funds before using their line of credit."]},"sort":[15.532439,"4736645"]},{"_index":"complaint-public-v1","_id":"2670262","_score":15.118379,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"According to Equifax, a security breach lasted from XXXX through XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. And they grabbed personal information of people in the XXXX and XXXX too. \n\nThis is highly disturbing because the breach was not reported until XXXX. As an IT security professional, this is gross negligence as such a breach should have been immediately reported to government institutions for protection and support of consumer data. \n\nEquifax ' poor response gets even worse as the new PIN numbers they are generating use a TIMESTAMP which can easily be brute-forced by attackers. \n\nWhat 's more, the website www.equifaxsecurity2017.com/, which Equifax created to notify people of the breach, is highly problematic for a variety of reasons. It runs on a stock installation XXXX, a content management system that does n't provide the enterprise-grade security required for a site that asks people to provide their last name and all but three digits of their Social Security number. The XXXX certificate does n't perform proper revocation checks. Worse still, the domain name is n't registered to Equifax, and its format looks like precisely the kind of thing a criminal operation might use to steal people 's details. It 's no surprise that XXXX-owned XXXX XXXX was blocking access to the site and warning it was a suspected phishing threat. ( Update : The whois records were updated on Sunday and now show the domain is registered to Equifax. ) Another indications of sloppiness : a username for administering the site has been left in a page that was hosted here. Here 's what it looked like before it was taken down at about XXXX XXXX  California time : Enlarge That by itself would n't allow for unauthorized access, but it 's still something that should never have happened. \n\nEquifaxsecurity2017.com is a site setup by Equifax in response of the breach. \nIn the hours immediately following the breach disclosure, the main Equifax website was displaying debug codes, which for security reasons, is something that should never happen on any production server, especially one that is a server or two away from so much sensitive data. A mistake this serious does little to instill confidence company engineers have hardened the site against future devastating attacks. \n\n\nOn XX/XX/XXXX I was forced to institute a freeze on my Equifax, XXXX, and XXXX credit reports/accounts in order to protect my financial/credit assets. This took multiple hours to handle and had to pay {$10.00} in fees in order to protect my credit.","date_sent_to_company":"2017-09-12T17:23:51.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"44224","tags":null,"has_narrative":true,"complaint_id":"2670262","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-12T15:39:28.000Z","state":"OH","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX I was <em>forced</em> to institute a freeze on my Equifax, XXXX, and XXXX credit reports/<em>accounts</em> in order to protect my financial/credit assets. This took multiple hours to handle and had to pay {$10.00} in fees in order to protect my credit."]},"sort":[15.118379,"2670262"]},{"_index":"complaint-public-v1","_id":"3474200","_score":14.605992,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I have been using my PayPal account for a few months, and since day one had nothing but trouble.They forced me to provide my personal information which was not required during account opening, but even after receiving all the information requested, they fail to process payments 60% of the time. Every time I call in and ask what seems to be the issue, I get a response that it’s a security concern and they can not disclose specifics. When I sold items, my funds were kept on hold as well, but at least they were released later on. Now I am trying to make a payment for a product I purchased on XXXX, and once again I am being told that for security of my account I can not make a payment. I don’t need PayPal to provide me security, I need PayPal to do what they claim they do, process a payment, since their largest share holder, XXXX, forces their sellers to accept payments through PayPal, which should be an antitrust concern addressed by DOJ as well.I was given a million different reasons why my payments are being blocked. “My purchase pattern is not consistent”, which means if I buy a $XXXX  toy for my son,  I can not buy him $XXXX  XXXX, because they are 8 Times as expensive and definitely can not buy a $XXXX watch. What PayPal is doing is criminal, and it has cost me a lot of money and aggravation. They feel that they are above the law, I hope that CFPB can explain to them that they are not.Thank you","date_sent_to_company":"2019-12-20T20:21:33.000Z","issue":"Managing, opening, or closing your mobile wallet account","sub_product":"Mobile or digital wallet","zip_code":"11234","tags":null,"has_narrative":true,"complaint_id":"3474200","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2019-12-20T18:42:43.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Now I am trying to make a payment for a product I purchased on XXXX, and once again I am being told that for <em>security</em> of my <em>account</em> I can not make a payment. I don’t need PayPal to provide me <em>security</em>, I need PayPal to do what they claim they do, process a payment, since their largest share holder, XXXX, forces their sellers to accept payments through PayPal, which should be an antitrust concern addressed by DOJ as well.I was given a million different <em>reasons</em> why my payments are being <em>blocked</em>."],"issue":["Managing, opening, or closing your mobile wallet <em>account</em>"]},"sort":[14.605992,"3474200"]},{"_index":"complaint-public-v1","_id":"3581261","_score":14.106855,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX at XXXX XXXX, COMPLAINTANT has successfully created a joint account with WSFS bank. Account was finalized on XX/XX/XXXX at XXXX XXXX with verification with deposits via a different bank. \nMobile access and SMS/email notifications were all functional starting XX/XX/XXXX from XXXX XXXX  to XX/XX/XXXX XXXX XXXX  when WSFS security department suddenly restricted the account. \nRepresentative on XX/XX/XXXX at XXXX XXXX indicated that only the mobile access, not the entire account, was put on block. \nCOMPLAINTANT asks that WSFS uses the same criteria against other accounts to restrict them the same way they put a restriction on COMPLAINTANT 's  account. \nCOMPLAINTANT acknowledges WSFS 's right to deny/refuse service to anyone for any reason ( as long as not pertaining to age/religion/nationality/race ), however, would like to note that this interaction seems forced by WSFS. By placing a manual and artificial restriction on COMPLAINTANT 's account, WSFS forces COMPLAINTANT to call its customer service representatives. ( To refute this account, WSFS can look into how many of new customers it places restriction on, after new accounts pass enrollment verification that includes credit reporting agency 's questions as well as entering driver 's license and/or passport information ).","date_sent_to_company":"2020-03-26T18:44:58.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"95035","tags":null,"has_narrative":true,"complaint_id":"3581261","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WSFS FINANCIAL CORPORATION","date_received":"2020-03-26T18:32:22.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["COMPLAINTANT acknowledges WSFS 's right to deny/refuse service to anyone for any <em>reason</em> ( as long as not pertaining to age/religion/nationality/race ), however, would like to note that this interaction seems <em>forced</em> by WSFS."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[14.106855,"3581261"]},{"_index":"complaint-public-v1","_id":"10899392","_score":14.06882,"_source":{"product":"Credit card","complaint_what_happened":"First of all, a big XXXX you to everyone at Barclays who was involved. The issue is pasted here. As I work for XXXX XXXX, management is also aware, they are reconsidering partnering with Barclays in the future. To Whom It May Concern at Barclays Bank/not that you actually care : I am beyond frustrated with the complete incompetence and mismanagement of my account. After being blocked on XX/XX/XXXX due to address, phone number, and PIN updates, I submitted all required documents to your fraud detection team. On XX/XX/XXXX, these documents were verified, I passed all security checks during an outbound call to the verified number on file ( XXXX ), and my account was unblocked. I was even able to make multiple purchases, proving that everything was cleared. Yet, on XX/XX/XXXX, my account was blocked again for the exact same reasons, despite having already been approved. This repeated blocking is unacceptable and highlights a lack of coordination and accuracy in your internal processes. \n\nYour team has blatantly disregarded the fact that I completed all verifications. Notes on my account are inaccurate, and it appears a XXXX from XXXX XXXX, XXXX, overstepped her authority by re-blocking my account in ultra-blocked mode simply because she did not like the documents providedeven though the verifications team already approved them. Her hostility and interference are completely unprofessional, and her actions need to be investigated. Furthermore, I was able to reach a XXXX XXXX XXXX on XX/XX/XXXX, but now I am forced to wait for callbacks, which is entirely inconvenient as I do not answer unfamiliar calls. \n\nI demand immediate resolution of this issue. If this is not addressed promptly, I will escalate further by filing complaints with XXXX XXXX, the FTC, and other relevant regulatory bodies. Barclays must stop delaying and solve this matter now. \nHave the day you deserve. Which isn't good.","date_sent_to_company":"2024-11-22T17:36:38.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"08753","tags":null,"has_narrative":true,"complaint_id":"10899392","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2024-11-22T17:24:45.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["Yet, on XX/XX/XXXX, my <em>account</em> was <em>blocked</em> again for the exact same <em>reasons</em>, despite having already been approved. This repeated <em>blocking</em> is unacceptable and highlights a lack of coordination and accuracy in your internal processes. \n\nYour team has blatantly disregarded the fact that I completed all verifications."]},"sort":[14.06882,"10899392"]},{"_index":"complaint-public-v1","_id":"5116311","_score":13.890678,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Formal Complaint On XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Chex Systems and XXXX XXXX XXXX ) These Companies are Running A Sort of Underground Blacklisting Subsystem Database & Reporting What Is Sometimes False Information To Some Banks That Try And Use These Services Outside The Scope of Fico scoring or the three empirically derived credit reporting agencies. For Example, If A Person Received A Check in the mail, cashier or legitimate compensation of any sort, they deposit the check into their bank, it may fail to clear for any unknown reason, after three days or so, even if no money was drawn, accessed or spent from the bounced check, some banks are reporting that a check bounced to these blacklisting subsystem databases, therefore completely blocking or blacklisting an innocent person 's ability to open any new bank accounts at any bank that looks at these, aside from regular normal credit agency scores, In Addition, when Phoning in or Contacting These XXXX XXXX and trying to dispute or clear these types of blacklisting from an individual 's account, They are Beligerent and Won't Remove, Clear or Provide a way to clear those databases, They Refuse to Clear Erroneous or Frivolous Complaints, it should be deemed as illegal blacklisting! Those Subsystem Databases Should Be Forced To Halt Their Collecting of Personal Data, Social Security Numbers, and Information On People as well as Using It As A XXXX XXXX","date_sent_to_company":"2022-01-28T00:08:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"435XX","tags":null,"has_narrative":true,"complaint_id":"5116311","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fidelity National Information Services, Inc. (FNIS)","date_received":"2022-01-17T16:02:12.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Those Subsystem Databases Should Be <em>Forced</em> To Halt Their Collecting of Personal Data, Social <em>Security</em> Numbers, and Information On People as well as Using It As A XXXX XXXX"]},"sort":[13.890678,"5116311"]},{"_index":"complaint-public-v1","_id":"5112867","_score":13.880585,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Formal Complain On Third Party Credit Reporting Blacklisting Services, ( Early Warning Systems ) and ( XXXX XXXX ) are Running A Sort of Underground Blacklisting Subsystem Database & Reporting What Is Sometimes False Information To Some Banks That Try And Use These Services Outside The Scope of XXXX scoring or the three empirically derived credit reporting agencies. For Example, If A Person Received A Check in the mail, cashier or legitimate compensation of any sort, they deposit the check into their bank, it may fail to clear for any unknown reason, after three days or so, even if no money was drawn, accessed or spent from the bounced check, some banks are reporting that a check bounced to these blacklisting subsystem databases, therefore completely blocking or blacklisting an innocent person 's ability to open any bank accounts at any bank that looks at these, aside from regular normal credit agency scores, In Addition, when Phoning in or Contacting These Blacklisting Services and trying to dispute or clear these types of blacklisting from an individuals account, They are Beligerent and Won't Remove, Clear or Provide a way to clear those databases, They Refuse to Clear Erroneous or Frivolous Complaints, it should be deemed as illegal blacklisting! Those Subsystem Databases Should Be Forced To Halt Their Collecting of Personal Data, Social Security Numbers, and Information On People as well as Using It As A Blacklisting Services","date_sent_to_company":"2022-01-28T16:38:27.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"435XX","tags":null,"has_narrative":true,"complaint_id":"5112867","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2022-01-15T16:30:25.000Z","state":"OH","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Those Subsystem Databases Should Be <em>Forced</em> To Halt Their Collecting of Personal Data, Social <em>Security</em> Numbers, and Information On People as well as Using It As A Blacklisting Services"]},"sort":[13.880585,"5112867"]},{"_index":"complaint-public-v1","_id":"6569731","_score":13.562499,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear CFPB Management : XXXX XXXX with the Wells Fargo management team provided no reasonable explanation and credit me {$130.00}. So Wells Fargo is on the right track but short {$3100.00} in credits due on account {$10000.00} in unauthorized vendor transactions.. \n\nI have {$5500.00} is blocked vendor transactions that Wells Fargo authorized despite the card being turned OFF or Card Complete disabled. I had to replace 3 debit cards as Wells Fargo in the CALCULATED manner allowed 10-12 vendors. They pretend to investigate the transactions but, just write me the consumer and do nothing except cause me personal and undue financial harm. I'm forced to seek remedies with tough DA offices like XXXX XXXX in New York. \n\nWells Fargo management XXXX XXXX XXXX is over and you need to credit accounts, please. If in this investigation a serious banking violation is uncovered which I have evidence then a {$15000.00} in account may turn into XXXX XXXX fine again. \n\nI have a wells Fargo account and they freeze my account over the course of the last year despite me written complaints. Letter dated XXXX XX/XX/2022. They simply ignore all my written verbal complaints Wells Fargo Security Manager Re : WF security Dening transactions from approved vendors My letter : Dear Wells Fargo Security Managers : Thank you for the overreaching security it needs to modify a tad to fit this large depositor/client 's needs. \nXXXX XXXX XXXX, XXXX, XXXX See the Wells Fargo e-mails used in this letter. I would appreciate the Wells Fargo management team looking at my account. I have never had a manager look at my account or call or get on the phone in 6 months ' time. I endured many unnecessary account blocks and strandings in foreign countries. The last WF unwarranted block and stranding was with XXXX XXXX based in the XXXX left me stranded in XXXX. Im sorry, but if we can not get this overreaching security matter sorted out, I guess Ill have to move on. \n\nI also have been promised {$3100.00} credits due that have not been issued in fraudulent bank card transactions. On XXXX XXXX XXXX, I waited on hold for 45 minutes, then spoke to a new Rep and then XXXX, a 4-year Wells Fargo security manager, and he insisted that the XXXX XXXX  manager had a bad security code. Well, that was not true as the Wells Fargo e-mail clearly shows a lock generated by the Wells Fargo security manager. and there was no reason to block that transaction. This is the third time Security blocked a lawful and client-initiated and approved transaction not using my current XXXX phone OR using E-mail XXXX not text for security check. When I ran an IT security desk all the verifications were in place. What is happening, I Wells Fargo security splash appears on these online transactions and requires a text to an old phone number ( XXXX XXXX XXXX XXXX Change to e-mail. Approved vendors : XXXX XXXX ferry line operating XXXX XXXX, XXXX, XXXX XXXX XXXX operating in XXXX. Im still frozen out by XXXX XXXX. I hope we can get the credits and reasonable security set up in place because the WF savings account interest rate is woefully low ; I must consider better options of 3 % at other lending institutions. I have close to {$100000.00} in savings, {$6000.00} checking, and {$2500.00} brokerage and Im tired of being treated like a quite unimportant client/potential employee. I wish to deal with a TRUE manager and have a phone number direct to his/her desk. I do not feel like an important client at all for over 6 months I have put up with these oversights. Your attention to this matter is appreciated Appreciatively yours, XXXX XXXX XXXX, Ph.D. Wells Fargo management froze transfers to my brokerage accounts.","date_sent_to_company":"2023-02-14T15:45:12.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"6569731","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-02-14T15:19:50.000Z","state":null,"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":["On XXXX XXXX XXXX, I waited on hold for 45 minutes, then spoke to a new Rep and then XXXX, a 4-year Wells Fargo <em>security</em> manager, and he insisted that the XXXX XXXX  manager had a bad <em>security</em> code. Well, that was not true as the Wells Fargo e-mail clearly shows a lock generated by the Wells Fargo <em>security</em> manager. and there was no <em>reason</em> to <em>block</em> that transaction."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[13.562499,"6569731"]},{"_index":"complaint-public-v1","_id":"17915295","_score":12.746767,"_source":{"product":"Checking or savings account","complaint_what_happened":"On Monday, XX/XX/XXXX, I contacted Discover because I was unable to update my phone number or email address on my account. Each time I attempted to update my information or log in through the app or website, I was blocked by a security verification that required a five-digit code from my card. I did not have my physical card at the time, which is why I called Discover for assistance. \n\nThe first agent told me this was part of a new security update and that it should be resolved by the end of the day. It was not. When I called again, another agent stated that it was not a security update at all, but an issue tied specifically to my card, and that I would not be able to bypass the verification without the card information. Based on this, I went ahead and canceled my card and requested a replacement. \n\nI was told the new card would arrive by Tuesday the XXXX or Wednesday the XXXX with expedited shipping. Even after that timeframe, I still could not access my account or reset my password. \n\nFrom Monday through Friday, XX/XX/XXXX, I repeatedly contacted Discover. Over the course of these calls, more than 16 temporary passwords were sent to me, but none of them allowed me to log in, reset my password, or update my contact information.\n\nThroughout this entire process, every time Discover required verification from me, I completed all identity verification stepsincluding scanning my drivers license and submitting multiple live selfies. Each verification attempt was marked as successfully completed, yet I was still locked out of my account.\n\nDuring one call, an agent refused to explain the reason for the issue, stating that it was confidential and part of a mass ticket affecting other customers. However, the most recent agent I spoke to claimed she had never heard of such an issue and had no knowledge of any additional security verification being added. This inconsistency shows a clear lack of internal communication, leaving both customers and employees uninformed.\n\nAs of today, I still can not access my account, view my funds, update my contact information, or manage my finances independently. I am forced to call Discover customer service every time I need to transfer money, which is highly inconvenient and concerning. All of my calls to Discover should be recorded.\n\nI am requesting CFPB assistance because despite multiple attempts, completed identity verifications, conflicting explanations from staff, and no resolution, I remain locked out of my own account.","date_sent_to_company":"2025-11-28T22:05:08.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"55449","tags":null,"has_narrative":true,"complaint_id":"17915295","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-11-28T21:52:07.000Z","state":"MN","company_public_response":null,"sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["On Monday, XX/XX/XXXX, I contacted Discover because I was unable to update my phone number or email address on my <em>account</em>. Each time I attempted to update my information or log in through the app or website, I was <em>blocked</em> by a <em>security</em> verification that required a five-digit code from my card. I did not have my physical card at the time, which is why I called Discover for assistance."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"],"sub_issue":["Problem accessing <em>account</em>"]},"sort":[12.746767,"17915295"]},{"_index":"complaint-public-v1","_id":"14018438","_score":12.629175,"_source":{"product":"Checking or savings account","complaint_what_happened":"I recently relocated with my family from XXXX to XXXX and opened a joint checking account ( for my wife and I ) at the Citibank XXXX XXXX California branch. \nOver the next 3-4 weeks the account was 'blocked ' twice for 48hrs on each occasion without any explanation or reason. We visited the branch in person to seek advice and were told this is a 'backoffice ' hold and they're conducting verification which takes 48hrs.\n\nAt first, I was ok with this as we're new customers and new to the country.\n\nOn both occasions the holds were cleared. \nThen on XX/XX/XXXX the account was once again blocked without warning, which I found out only when trying to pay at a restaurant. Again, we visited the Branch in person and the banker who originally opened our account tried to call the security centre and was told that we needed to be 'verified ' again and that we needed to wait 7-10 days for a letter in the mail with instructions.\n\nThe banker explained that we were standing in front of him at the branch with all the documentation and that he personally opened the account for us, but this was deemed as unacceptable by Citibank backoffice security. Apparently a customer standing in person at the bank can not be verified, the only way to do this is to wait 7-10 days for a letter in the mail.\n\nWe were informed that ALL of our funds are frozen until then and we have no access to ANY of our money for as long as this verification takes. I explained that we have two young children and that we need money for day to day expenses in the meantime, and I requested to withdraw a small amount at the branch, but this was rejected also - effectively leaving us with no access to any money, Citibank didn't care that we had to borrow money from friends to buy groceries that day.\n\nNeedless to say, I consider this conduct criminal behavior by Citibank and totally unacceptable way to conduct business.\n\nThis is my money which I deposited into a checking account only for it to be frozen, these are not credit card funds - it's my cash and I should be able to go to the branch and withdraw my own money.\n\nBeing forced to wait 7-10 days for a letter is ludicrous.\n\nI phoned Citibank customer service and escalated to supervisors seeking an alternative way to 'validate ' but to no avail. I was told someone would call me back which didn't happen either.","date_sent_to_company":"2025-06-11T23:25:33.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"14018438","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-06-11T23:01:18.000Z","state":null,"company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Then on XX/XX/XXXX the <em>account</em> was once again <em>blocked</em> without warning, which I found out only when trying to pay at a restaurant. Again, we visited the Branch in person and the banker who originally opened our <em>account</em> tried to call the <em>security</em> centre and was told that we needed to be 'verified ' again and that we needed to wait 7-10 days for a letter in the mail with instructions."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[12.629175,"14018438"]},{"_index":"complaint-public-v1","_id":"16228045","_score":12.363399,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"Someone fraudulently used my identity to make purchases through XXXX, fraudulently using someone else 's credit cards, on XX/XX/XXXX. My first complaint is that XXXX does not have any security whatsoever ; it allows you to create an account using anyone 's name and email address without any method of confirming they're actually that person 's. ( You don't even have to confirm your email. ) I reached out to XXXX immediately and didn't get a response. \n\nMy second complaint is that XXXX 's website misrepresents that you can get a callback from them within an hour if you create an account and message them through the app. ( If you don't have an account, you can only email them. ) I created an account ONLY to message them for a callback. Once I did that, they informed me that they don't actually offer callbacks at all. I found the last available phone number for the company and called it, and a recorded message said they no longer offer phone support at all. The representation on their website is fraudulent. \n\nI honestly can not believe this app is so utterly lacking in security that it facilitated identity theft and so lacking in support that I have no way to communicate with an actual human being. If you're going to allow someone to steal my identity, you should not force me to try to sort it out with a chatbot. \n\nMore egregiously, all of XXXX 's conduct is in violation of a consent order between its parent company, Block, and the CFPB. It is obviously not taking its obligations seriously and should be penalized accordingly. \n\nI tried to sort all of this out with XXXX directly and then through the XXXX XXXX XXXX. I have received generic assurances but literally no specific information whatsoever from XXXX directly. XXXX also dismissively submitted boilerplate responses to my XXXX   complaint, concluding by saying they resolved it pursuant to the terms of service. I should not be subject to those terms of service at all because my identity was used to create an account without my consent. The * only * reason I created an account * later * was to contact XXXX because XXXX does not provide any other way to contact them. I should not be subject to terms of service I was effectively forced to accept just to contact the company to try to resolve the identity theft they allowed with their nonexistent security.","date_sent_to_company":"2025-09-28T19:06:28.000Z","issue":"Problem when making payments","sub_product":"Installment loan","zip_code":"20009","tags":null,"has_narrative":true,"complaint_id":"16228045","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-09-28T18:56:33.000Z","state":"DC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I should not be subject to those terms of service at all because my identity was used to create an <em>account</em> without my consent. The * only * <em>reason</em> I created an <em>account</em> * later * was to contact XXXX because XXXX does not provide any other way to contact them. I should not be subject to terms of service I was effectively <em>forced</em> to accept just to contact the company to try to resolve the identity theft they allowed with their nonexistent <em>security</em>."],"company":["<em>Block</em>, Inc."]},"sort":[12.363399,"16228045"]},{"_index":"complaint-public-v1","_id":"15528423","_score":12.1083555,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"In the last month I opened an account with Coinbase for the purpose of starting to buy some cryptocurrency for longterm investing. I sent funds to them and also linked external bank accounts. I completed their KYC validation steps multiple times with my drivers license and passport. They requested this at least 5 times. I successfully purchased various tokens and after purchase transferred them to my offline \" cold '' wallet for maximum protection. \n\nAfter testing the system for a week or so I joined their CoinbaseOne service level and I then sent them XXXX XXXXXXXX to complete larger purchase. After completing approximately XXXX XXXXXXXX in additional transactions I attempted to move the tokens to my offline wallet and I was initially told this was blocked for security reasons. Again I submitted all my verification steps ( scanned and submitted ID again, did liveness video test ). \n\nThis after multiple support calls I received an email telling me : \" We've reviewed your account and determined that you are no longer eligible to use the Coinbase platform to purchase cryptocurrency, use our deposit services, send cryptocurrency off of Coinbase and link new payment methods.\n\nYou will be able to sell any cryptocurrency you currently have on Coinbase, and after the funds are available, you may withdraw them to your linked bank account. \nWe're not able to provide any additional information at this time. '' I have offered to provide any additional required information. There has also been no other transactions on the account other than those I performed so there is no indication of any fraud. There position causes me to be forced to sell my positions causing tax issues and missed opportunity. When I requested to have the case escalated they told me there was no means by which to do this.","date_sent_to_company":"2025-08-26T22:01:33.000Z","issue":"Other transaction problem","sub_product":"Virtual currency","zip_code":"19063","tags":"Older American","has_narrative":true,"complaint_id":"15528423","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2025-08-26T19:19:02.000Z","state":"PA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["After completing approximately XXXX XXXXXXXX in additional transactions I attempted to move the tokens to my offline wallet and I was initially told this was <em>blocked</em> for <em>security</em> <em>reasons</em>. Again I submitted all my verification steps ( scanned and submitted ID again, did liveness video test )."]},"sort":[12.1083555,"15528423"]},{"_index":"complaint-public-v1","_id":"14525873","_score":12.074232,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"THIS IS NOT A DUPLICATE., DO NOT DELETE. THIS IS ANOTHER SEPARATE ISSUE OF FCRA VIOLATIONS BY EXPERIAN, UNDER THE LAW. \n\nExperian continues to block my ability and refuse to file my disputes in my online account, forced to call ( XXXX ) XXXX, to file disputes XXXX by XXXX for over XXXX hours. They also refused to file disputes unless I gave them my PIN, HINT and XXXX Digit Security Code sent to my phone number, which only I am suppose to have to login to my account but XXXX representative including XXXX named XXXX, claimed they need for Identification, and Authentication, even though I had several dispute numbers to identify. They claimed they could see this information, yet they asked me for it and were using it to access my account, thus booting me off my online account I was actively in. \n\nAttached is a screenshot of the message I get when attempting to file a dispute in my online account which states : \" For security reasons, we can not process your dispute online. Please contact us below. Our Experian Dispute XXXX are available to assist you. When calling use report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX M- F XXXX to XXXX XXXX, Contact Us ( XXXX ) XXXX. '' After calling and submitting all my personal information SS # etc, only I should know, a representative comes on and then request my PIN, HINT and XXXX Digit Security Code sent to my phone number, which only I am suppose to have to login to my online account. They then claim this is to AUTHENTICATE my account. This is all the information that is used to protect my online account which now the representatives ask for and my account, my identity is now compromised. This is odd and clearly leads to internal fraud, because when I use my debit card I do not, nor should I be required to give the bank my PIN number, yet Experian blocked me from filing my dispute online, and then refused to process my dispute on the telephone unless I gave them, to AUTHENTICATE me, my PIN, HINT and XXXX Digit Security Code sent to my phone number. This is odd and leads to fraud because now Experian and its representatives can log in to my online account that was secured by these things. If I suffer from identity theft again, it will be internal identity theft by Experian. \n\nOn XX/XX/year> after multiple failed attempts of filing disputes and request for removal of : XXXX inaccurate addresses, over XXXX inaccurate phone numbers, and over XXXX negative accounts negative that are over XXXX years old are still being reported after accounts paid and closed. They refuse to delete this inaccurate and some information that was due to identity theft several years ago. \n\nI would like to be my credit rating corrected and to be financially compensated for the XXXX years of financial loss, loan denials, mortgage denials due to intentional and continual reporting of inaccurate and low credit ratings due to Experian Refusing to correct misinformation on my report, contributing to higher interest loan and credit denial. \n\nKeeping inaccurate and Misinformation benefits them and the creditors hurts the consumer and results in higher interest rates, poor housing choices, and is FRAUD.","date_sent_to_company":"2025-07-08T11:10:21.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"14525873","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-07-08T11:09:55.000Z","state":"SD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Experian continues to <em>block</em> my ability and refuse to file my disputes in my online <em>account</em>, <em>forced</em> to call ( XXXX ) XXXX, to file disputes XXXX by XXXX for over XXXX hours."]},"sort":[12.074232,"14525873"]},{"_index":"complaint-public-v1","_id":"20489856","_score":11.798143,"_source":{"product":"Checking or savings account","complaint_what_happened":"I would also like to formally document that during this entire period of approximately XXXX weeks, I never received any written notification from Wells Fargo explaining the status of my accounts, the reason for the intended closures, or why I was locked out of my online banking. \nAlthough I was later told that some of my accounts would remain open, I was still unable to access them. This lack of access to my own accounts created significant disruption to my daily financial responsibilities. \nAdditionally, I spent a substantial amount of time physically going into the bank and making repeated phone calls in an attempt to resolve this issue. This occurred during my personal break from school, and I effectively spent that entire time trying to correct a situation that was not caused by me, but by fraud and subsequent mishandling. Not only was I affected it was affecting my mother, my husband, my grandson, and my son I was also on. Each of these accounts. I want compensation for this and I want a quick response as well. The bank we went to was on XXXX XXXX and XXXX Tennessee. The branch XXXX was XXXX XXXX he was also in disbelief as was XXXX the XXXX office of Wells Fargo phone number XXXX. I was also forced to contact IRS Social Security making all these changes and bill pay which I could not pay my bills although my husband was on there I was a separate entity and I paid all the bills each month for the past XXXX years, some of which were late and direct direct withdrawals were disrupted. as we direct deposits, everything was disrupted in our life and XXXX handled. I still have yet to get a letter telling me the reason they did this. on many of the calls to the bank the answer was you are no longer a customer and or you have a relationship with Wells Fargo that was the answer I got countless times I need to Bank elsewhere. So with that, my husband and I had to go and open new accounts. We have not yet to even put our XXXX pay in there. This is just been an utter nightmare. I would hope after XXXX years Wells Fargo would be kind enough to compensate me and give me my reason for ending a relationship and then turning around and giving me my relationship back with no reasons. \nYou XXXX contact me at XXXX or email XXXX all lowercase. The account ending in XXXX has a XXXX in it. That was the one that was really important as my grandson is in college and that was his lifeline as he graduates in XXXX and this has been going on for XXXX years, my son as well, my mother Whom is an elderly woman that I pay all her bills out of that was disrupted. My husbands business account was disrupted anything with XXXX and XXXX XXXX was disrupted, but not him myself. They blocked me only and XXXX the main person that does all the work for each of these people. I need answers and I need compensation. Thank you so much sincerely, XXXX XXXX.","date_sent_to_company":"2026-03-22T17:34:54.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"37064","tags":"Older American","has_narrative":true,"complaint_id":"20489856","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-03-22T17:07:12.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I was also <em>forced</em> to contact IRS Social <em>Security</em> making all these changes and bill pay which I could not pay my bills although my husband was on there I was a separate entity and I paid all the bills each month for the past XXXX years, some of which were late and direct direct withdrawals were disrupted. as we direct deposits, everything was disrupted in our life and XXXX handled."],"product":["Checking or savings <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_product":["Checking <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[11.798143,"20489856"]},{"_index":"complaint-public-v1","_id":"9065270","_score":11.593958,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have been in a long battle with my XXXX who was stealing my mail, and inevitably apparently stealing my identity in the process. After reporting the incident to the US Postal XXXX XXXX, Office of Inspector General, and XXXX Police Department I then alerted the credit bureaus of my change of address AND information that was incorrect on the report and needed to be blocked pursuant to 15 U.S. Code 1681c2. \n\nI attempted to upload the documents to TransUnion but their online system gave a generic error that I wasnt eligible to upload documents. I then called their Consumer Relations department on XX/XX/2024 and spoke with representative who insisted that I send in a cover letter, Proof of ID, Social Security Card, Bank Statement, and Utility Bill to change the address. I was also told to send an FTC Report as well as Police Report in order to remove the fraudulent accounts. \n\nThese documents were sent at my expense- despite the fact that any other consumer could upload the documents for free - via Priority Mail with Tracking XXXX and delivered XX/XX/2024 at XXXX. On XX/XX/2024 at XXXX a secure email came from TransUnion telling me the documents were unacceptable and to send the same documents I already sent. On XX/XX/2024 I contacted Consumer Relations again and spoke to a supervisor, XXXX, to inquire as to what was incorrect with these documents AND why the items were not blocked per federal law. XXXX proceeded to tell me that I didnt know the law and TransUnion had its own policies. When I forced him to review the documents he proceeded to make up excuses including that the official Pennsylvania Department of Transportation Change of Address card wasnt sufficient as ID along side my actual printed ID ( its worth noting TransUnion is a Pennsylvania based entity, not that Id expect their call centers in XXXX to understand American or even Pennsylvania XXXX ), that because my utility bill noted Floor 1 it couldve been deemed unacceptable, and that they sent their reason for NOT blocking the information to my OLD address which is clearly noted in the police report as where mail was being stolen for quite some time. \n\nXXXX was rude and combative and I finally disconnected the call because it was clear that my legal rights were violated and action should be taken against TransUnion LLC. Shortly after the call I received an email from XXXX showing me that they had taken the position to block and delete all the same referenced accounts as fraudulent. \n\nAttachments included are all documents referenced in this narrative.","date_sent_to_company":"2024-05-21T17:19:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"18018","tags":"Servicemember","has_narrative":true,"complaint_id":"9065270","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-05-21T17:14:26.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Shortly after the call I received an email from XXXX showing me that they had taken the position to <em>block</em> and delete all the same referenced <em>accounts</em> as fraudulent. \n\nAttachments included are all documents referenced in this narrative."]},"sort":[11.593958,"9065270"]},{"_index":"complaint-public-v1","_id":"12027252","_score":11.474084,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Issue : Unauthorized loan extension processed without my or my co-signers consent. Ally Financial is refusing to provide fraud documentation, delaying the investigation, and giving inconsistent responses. Additionally, Ally refuses to add extra security measures to my account despite this fraud incident. \n\n\nWhat Happened : XX/XX/year> : - My co-signer ( father ) received a letter from Ally Financial regarding a loan extension that neither of us requested. The letter did not state the reason for the request. \n\nXX/XX/year> : - I called Ally to dispute the extension. \n- I was told they would investigate and call me back in 2 business days but refused to provide a fraud case number or written confirmation of my fraud report. \n\nXX/XX/year> : - After not receiving a callback, I contacted Ally again. \n- I was told their \" internal investigation '' actually takes 3-5 business days, contradicting what I was originally told.\n\n- It took 2 hours of repeated questioning just to get any information, and their responses were unclear and inconsistent.\n\n- They also said the request was made in SpanishI do not speak Spanish, and my co-signer ( father ) does not speak Spanish and neither of us authorized this extension. \n- Ally could not verify the phone number used for the fraudulent request. \n- Ally stated that before I could file a fraud claim, they had to conduct an \" internal call review '' to verify the request. \n- Ally also informed me that they can not add extra security measures to my account because of this incident. \n- I was not given any fraud case number or written confirmation of the investigation because they claimed \" that's a different department ''. \n- Ally refused to confirm whether my personal data was part of a data breach. \n- Ally knowingly misled me by directing me to the fraud department after hours, despite their website stating fraud support is available 24/7.\n\nAttempts to Resolve : - I have made multiple attempts to get documentation, fraud case confirmation, and investigation details, but Ally refuses to cooperate. \n- Ally has delayed my fraud claim, failed to return calls, and provided conflicting information about investigation timelines. \n- Because Ally required an internal call review before allowing me to file a fraud claim, they prevented me from disputing the fraudulent activity immediately. \n- Ally refuses to add extra security to my account despite this fraud incident, putting my financial security at further risk. \n- Because Ally has blocked my ability to report fraud and refuses to acknowledge my case properly, I was forced to file an FTC complaint for identity theft.","date_sent_to_company":"2025-02-20T20:10:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Loan","zip_code":"30125","tags":null,"has_narrative":true,"complaint_id":"12027252","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2025-02-12T23:44:00.000Z","state":"GA","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["- Ally refuses to add extra <em>security</em> to my <em>account</em> despite this fraud incident, putting my financial <em>security</em> at further risk. \n- Because Ally has <em>blocked</em> my ability to report fraud and refuses to acknowledge my case properly, I was <em>forced</em> to file an FTC complaint for identity theft."]},"sort":[11.474084,"12027252"]},{"_index":"complaint-public-v1","_id":"11836126","_score":11.424419,"_source":{"product":"Checking or savings account","complaint_what_happened":"On the afternoon of XX/XX/year>, XXXX XXXX  blocked access to my online bank account and locked my ATM/Debit card without notification, cause or warning. \n\nThis occurred after a call with XXXX customer service on the afternoon of XX/XX/year>. The message on my account when attempting to login with my credentials ( login ID and password ) that I have used for more than 4 years stated, We are unable to validate your information, please try again. No explanation for the restriction on my account was provided by XXXX XXXX. \n\nTherefore, on the morning of XX/XX/XXXX I contacted customer service and spoke with service representative XXXX XXXX. XXXX XXXX confirmed that the account was indeed locked and noted it had been forwarded to what he called XXXX, or the Fraud Department of the Bank. XXXX XXXX had no notes or visibility into the reason it was moved to Fraud. \n\nThe only way to unlock the account, he stated, was to contact the Fraud Dept., which is not open over the weekend. With Monday, XX/XX/XXXX being a Federal holiday, I was forced to wait until Tuesday XX/XX/XXXX to contact the Fraud Department. I had no access to my account and no ability to use my XXXX debit card for transactions for four consecutive days. Transactions were being declined, by XXXX, at the point of purchase, causing me direct monetary harm and inconvenience. \n\nThis unlawful, anti-consumer action adversely impacted my financial well-being and livelihood, as further documented below in this Complaint. \n\nOn XX/XX/year> I spent more than 90 minutes on the phone with XXXX customer service and XXXX Fraud to determine why my account was locked and in the Fraud Department. After two dropped calls and much double-talk by XXXX representatives , the Fraud representative finally revealed that, according to customer service representative notes from XX/XX/XXXX, my account was moved to the Fraud Dept . and locked because, as the notes states, they were unable to validate my phone number. This is an absolute falsehood. I was validated every step of the way and there was no legitimate reason for my account to be blocked and sent to Fraud. \n\nXXXX Utilizes Conflicting Technology Systems, Causing Confusion and Harm to Consumers : This action and the notes on my account stem from the fact that XXXX XXXX  utilizes two separate technology systems that dont talk to each other related to validating customer profile information. \n\nThe Online Banking system includes my international phone number and, in fact, prompts me to receive a one-time validation code to verify my identity. Whether I login on my laptop or my XXXX, the bank sends the code to my phone and I am validated. \n\nOn the contrary, and unbelievably, when a bank client calls customer service or the Fraud Department, their system does not allow for a verification code to be sent to my international phone number. So, XXXXXXXX XXXX customer service system platform does not integrate with its own online banking system that customers use every day, creating counterproductive interactions when calling for assistance. \n\nIn summary, the only reason XXXX erroneously locked my account and put me in Fraud is solely due to conflicting internal technology systems that they operate. These two systems dont talk to each other and have different protocol capabilities related to my current profile information. This results in unnecessarily confusing customer interactions. The problem and the errors are of the Banks making due to their conflicting systems. \n\nDeparture from Bank Policy : It is vitally important to note that the above actions and treatment of my account represent a direct departure from the Banks procedure over the last four years. Whenever there was any indication of potential fraud or suspicious activity on my account, I always received a direct email message from XXXX XXXX. That email normally contained a phone number to call with a case number and automated system to verify recent transactions. Once verified, any hold on the account was lifted. \n\nWhen my account was disabled on the evening of XX/XX/XXXX, I received no correspondence from XXXX Fraud Department indicating possible fraud or suspicious activity. There was no communication indicating why my account was disabled and transferred to the Fraud Department. Customer service representative XXXX, on XXXX XXXX, had no direct notes or information regarding the transfer to the Fraud Department. \n\nEvidence of Abusive Practices and Direct Harm : My account was disabled and blocked from my access for four consecutive days, starting the afternoon of XX/XX/XXXX to XX/XX/XXXX, and XXXX XXXX continued to decline charges on my XXXX debit card. \n\nAfter reestablishing access to my online account on XX/XX/XXXX, the Bank began denying transactions again on XX/XX/XXXX and XXXX. This included ATM withdrawals, which left me without access to any cash whatsoever. When viewing the Manage Card function in my account online, the notes indicated Restricted. This, despite the fact that all travel notes were were current and updated. \n\nTherefore, I was forced to call customer service again on Saturday XX/XX/XXXX because now I was faced with an emergency situation with no ability to charge transactions or retrieve cash from an ATM machine. The same duplicitous engagement with customer service ensued again because of the conflicting technology systems deployed by the Bank between online banking and customer service, wasting my time and harming my financial livelihood. \n\nI am a XXXX XXXX on a fixed income consisting mainly of Social Security. XXXX XXXX XXXX XXXX. On XX/XX/XXXX, online access to my account was disabled without warning or normal notification causing me direct financial harm and the inability to verify transactions on my account, representing a security risk. \n\nI am engaged in close monitoring of my account on a daily basis, which is vital to maintaining security over it, since I have multiple XXXX  transactions every month. I had no visibility into my account activity, without explanation or notification, for more than four consecutive days, and then transactions were declined again on XX/XX/XXXX and XXXX. The above abusive actions by XXXX XXXX  are in direct violation of the Consumer Finance Protection Acts provisions.","date_sent_to_company":"2025-01-29T15:38:07.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"46544","tags":"Older American","has_narrative":true,"complaint_id":"11836126","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NEW YORK COMMUNITY BANCORP INC","date_received":"2025-01-29T14:59:06.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I am a XXXX XXXX on a fixed income consisting mainly of Social <em>Security</em>. XXXX XXXX XXXX XXXX. On XX/XX/XXXX, online access to my <em>account</em> was disabled without warning or normal notification causing me direct financial harm and the inability to verify transactions on my <em>account</em>, representing a <em>security</em> risk. \n\nI am engaged in close monitoring of my <em>account</em> on a daily basis, which is vital to maintaining <em>security</em> over it, since I have multiple XXXX  transactions every month."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[11.424419,"11836126"]},{"_index":"complaint-public-v1","_id":"3374969","_score":11.016226,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX I received my paycheck in the amount of around {$2300.00} ( I will have to give round about numbers at this point since Citi has also blocked my online access so I am unable to view transaction history as I write this ). I have a Citi Priority Account which also is supposed to provide dedicated service with having a priority account. I did a transaction in the amount of {$8.00} on my XXXX flight for airline XXXX via the XXXX XXXXXXXX XXXX feature. Once I did this transaction I received an email shortly thereafter stating my access has been blocked due to suspicious transaction. They sent me an email and a text to both of my phones to verify the transaction in question. I verified through the email they sent as well as answered the verification text messages on both of my phones. The status was still showing as blocked when I tried another transaction. I contacted the fraud team at that point ( XXXX XXXX time on XX/XX/XXXX ) and somebody assisted me and cleared the transactions and unblocked my account. After that I proceeded to use my card throughout the day until around XXXX when I received a call from Citi Fraud team at XXXX on both of my phones and a gentlemen indicated he was a supervisor with Citi Fraud Prevention and needed to verify the transaction I just attempted to lift the block on my account. He said everything was cleared. When I attempted to use my card again after that my card was not only blocked but now my entire online and mobile access was disabled as I received another email notification stating that they had reason to believe my user ID may have been compromised. They provided a phone number and the options to select to speak with somebody XXXX that can assist with any fraud issues. When i then called in, they said that that \" back office team that is looking into your account is not in until XXXX eastern time. '' SO I then proceeded to call in this morning when they were supposed to be there and I was told then that this department is actually not available until MONDAY at XXXX XXXX XXXX. This means that I am forced to go from Friday evening to Monday without having any access to cash or food because of CITI PRIORITY. Throughout the process I also asked multiple times to speak with supervisors and i was placed on 30 minute holds with nobody checking in on me. There seems to be nobody that can address this issue or even give consistent information on what I can do or what can be done to clear this or give me the opportunity to withdraw my funds at a branch by providing proof. I have a Social Security Card, Birth Certificate, California Drivers License, Credit card and many other forms of identification to provide yet they will not allow me to access or withdraw my funds. This contradicts what this company advertises as being a XXXX XXXX Customer in addition to the fact that they falsely claim that you can speak to a fraud team member to address the issue 24/7. This is absolutely a travesty and no bank should be able to put a customers money on hold for that amount of time without having the proper departments available to address these issues not only during the week but on weekends and at night when consumers are spending their hard earned money.","date_sent_to_company":"2019-09-14T16:31:11.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"92880","tags":null,"has_narrative":true,"complaint_id":"3374969","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2019-09-14T15:55:58.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["When I attempted to use my card again after that my card was not only <em>blocked</em> but now my entire online and mobile access was disabled as I received another email notification stating that they had <em>reason</em> to believe my user ID may have been compromised. They provided a phone number and the options to select to speak with somebody XXXX that can assist with any fraud issues."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[11.016226,"3374969"]},{"_index":"complaint-public-v1","_id":"8147019","_score":10.920807,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to file a formal complaint against XXXX XXXX XXXX regarding various violations that have occurred in the context of debt collection and financial activities. I believe these actions to be in violation of securities laws and the Fair Credit Reporting Act ( FCRA ). \n\n1. Securities Fraud and FCRA Violation : I allege that XXXX XXXX XXXX has engaged in securities fraud and has violated the FCRA with regards to the handling of my financial accounts and credit information. Despite numerous disputes and the lack of a prior agreement for securities, XXXX XXXX XXXX has continued to pursue debt collection activities using aggressive and harassing tactics, and Per FCRA as a federal protected consumer I am opting out of any written non written, verbal agreements per 15 USC 6802 2. Consumer Profile Credit Harassment : The company has engaged in persistent and aggressive debt collection activities, which have resulted in emotional distress and stress. These actions have caused significant harm and have violated my rights as a consumer 15 USC 1692d harassment or abuse and improper use of personal federal, protected, consumer credit profile even after multiple disputes to validate debt 15 USC 1692G. As well as cause Severe Damages to my Consumer Credit Score via XXXX, XXXX and XXXX XXXX, as well as XXXX XXXX and XXXX XXXX XXXX  3. Federal Reserve Act 16 Section 2 and Securities Exchange Act of 1934 : Furthermore, I believe that XXXX XXXX XXXXXXXX XXXX actions are in direct violation of the Federal Reserve Act 16 Section 2 ( 12 USC 412 ) application for note as instructed by federal reserve act, where, as the application is the security used for the credit card and was paid off as an open, ended application to be routinely sold as a security to cover the cost of the card debt in question and the Securities Exchange Act of 1934, as per the Navy Federal XXXX Group Indentured Agreement for processing securities and active sale promissory security.\n\n4. Involvement with Securities Fraud and Attempted XXXX XXXX : I allege that XXXX XXXX XXXX has been involved in securities fraud and has attempted to use debt collection activities as a means to commit XXXX XXXX As XXXX XXXX XXXX has yet to validate Debt with Original contract agreement where as I had a written Signature to validate their security claim. This has resulted in severe XXXX XXXX XXXX XXXX. 18 USC 656 & 18 USC657 theft, embezzlement by bank and theft, embezzlement by NCUA insured credit union. As the debt collection is invalid and violates the following 18 USC 1584 sale into involuntary servitude 18 USC1589 forced labor, 18 USC1589 trafficking with respect to XXXX XXXX XXXX XXXX XXXX XXXX 18 USC1583 enticement into slavery to illegal and invalidated debt collection practice. 18 USC1592 unlawful conduct with respect to furtherance of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 18 USC 241 conspiracy with third-party affiliates to commit securities fraud XXXX  and violation of 18 USC 1962 Rico act prohibited activities. As per 18 USC 891 ( 4 ) the repayment of any extension of credit, includes the repayment satisfaction or discharge in or in part of any debt, claim, acknowledge, or disputed valid or invalid, resulting from or in correction with that extension of credit 5. Debt Collection via Identity Theft : Additionally, I have reason to believe that XXXX XXXX XXXX has engaged in debt collection activities via identity theft, conspiracy with Navy Federal XXXX Group Llc holder in due course of Promissory note security. Whom without permission sold personally indemnified information 12 CFR, 792.60, a violation of the Privacy Act 1974 as well as 15 USC 6821 which has further compounded the emotional damages and stress caused multiple accounts with navy federal to illegally closed and held hostage financial accounts for the purpose of debt collection. Out of which all accounts including Credit card line of credit. which debt was discharged from when navy federal Sold the created debt and wrote off as a lost, were NCUA insured up to {$250000.00} per account and per transaction as per their written instruction. 12 USC 3403 confidentiality of financial records no third-party affiliate has a government written permission to obtain financial records release of my records, were not in accordance with the written instructions.\n\nI have made various attempts to block these activities, but they persist in violation of my rights as a consumer as well as a Silent Investor of the credit card in question. \n\nTherefore, I am seeking a thorough investigation into the practices of XXXX XXXX XXXX and request appropriate action to be taken to address these allegations.","date_sent_to_company":"2024-01-11T19:04:43.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"78245","tags":"Servicemember","has_narrative":true,"complaint_id":"8147019","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-01-11T19:04:41.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["Debt Collection via Identity Theft : Additionally, I have <em>reason</em> to believe that XXXX XXXX XXXX has engaged in debt collection activities via identity theft, conspiracy with Navy Federal XXXX Group Llc holder in due course of Promissory note <em>security</em>."]},"sort":[10.920807,"8147019"]},{"_index":"complaint-public-v1","_id":"10208720","_score":10.8106785,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX. XXXX opened CD and savings accounts on XXXX. ( completed online application ) XXXX. Connected XXXX and XXXX banks on XXXX to fund account. \n\nXXXX. Transfer of {$56000.00} on XXXX from XXXX ( part of XXXX XXXX Bank ) XXXX. Transfer of {$50000.00} on XXXX from XXXX XXXX. At this point {$100000.00} is in XXXX Marcus CD account. \n\nXXXX. Around XXXX, the Marcus mobile app and website started to show a message saying her online access to both the XXXX and XXXX accounts was temporarily locked and login wasnt possible. \n\nXXXX. XXXX called XXXX on XXXX to ask how to unlock and get access to the CD and savings accounts just to hear that the account was being closed. \nThey said we will hear back within XXXX business days ( latest on XXXX ) via mail about how the money is being transferred back to us. \nThe lady put a note in to wire it back to XXXX XXXX. XXXX called XXXX on XXXX to ask for a status update, but now the bank says they cant verify my identity and refuses to share any information about my account. Told that a verification team would be calling me to check my identity. [ They never did call back ] XXXX. XXXX called XXXX on XXXX Verified identity after answering a few multiple choice questions. \nSpecialist on the line said they have no concerns, but whoever dealt with me prior is being ridiculous. Said that the reason funds have not been sent is because theres a lock on the profile for no discernable reason. \nAfter additional review, he says that there was a typo in the application process for the XXXX. ( XXXX digit off in the mailing address ) [ First and only time a reason was given for the force closure ] He apologizes on behalf of everybody at Marcus. He said that usually during application if there is a little mismatch they tell us to call in and more info is needed. And an agent should always go over the application and spell out every single thing. Then cross reference it. Then they manually approve the application. [ IMPORTANT : ACKNOWLEDGEMENT OF MARCUS ERROR CAUSING THIS SITUATION ] He says he will make sure we avoid early withdrawal fees from the CD. \nCan only send funds by check. XXXX asked if they can send to a California address instead of a Delaware address ( XXXX Moms house, since XXXX is living in XXXX for at least the next 6 months ). Specialist confirmed the check would be sent to the requested California address. \nXXXX submit the case to actually get the process rolling. He said he cleared all concerns on the account. \nXXXX promised he will put in extensive notes so anyone who reviews will not be able to miss it. \n\nXXXX. XXXX called XXXX on XXXX First person said : Check was stopped. Hold is placed on the account. Need to remove the hold before the account can be closed and a check can be sent. \nThen transferred to a specialist : Verified identity after answering a few multiple choice questions. She said the check was initiated, but may take up to 10 business days. Today would be the XXXX day. So call tomorrow ( XX/XX/year> ) if not arrived on XXXX. \n\nXXXX. XXXX called XXXX on XXXX First person said : The XXXX  account is actually still open today. Sees that a check was supposed to be sent out on the XXXX. And says that a check has been sent out. \nBut, Both accounts ( savings and CD ) are still open right now. \nCheck should arrive today ( will be the XXXX day ) Says if we do close our CD account, the bank would charge me an early withdrawal penalty. [ This is directly contradictory to what the person on XXXX said ] Also said that we cant add an additional address for sending the check. [ This is directly contradictory to what the person on XXXX said ] After reviewing more, she said that the check being mailed is from the savings account which was actually at a XXXX balance. Check should be {$0.00}. \nAlso said that from what she sees now the XXXX account is not being closed. [ This is directly contradictory to what every other person said. ] Then got transferred to the security department. \nSecurity specialist said : They cant send a passcode to verify with my phone number ( mine is blocked ). \nVerified through husbands phone number. \nShe said our XXXX Account is being closed out. [ This is directly contradictory to the previous person on the same call. ] She cant look into account to get it unlocked. The review team now needs to review it before it can be closed. She cant give me any more information, other than to say that she doesnt know why it hasnt been closed after over a month of discussion. \nShe refuses to share more, saying Only the review team can fix this. She said they have reviewed it before but doesnt know the status or any reasons behind the threatened forced closure. \nShe said the review team will contact me via voice call or email once they finish their review, but she has no idea when this will happen. \n\nXXXX. XXXX called XXXX on XXXX Asked to speak with a supervisor. She said that my funds are waiting for delivery. \nShe said that when the account is closed, they will return my money either by a reverse transfer to the external bank. Or will be sent in the mail as a check. Will not share any other piece of information with me. She says, When an account is forced closed, we dont share information. \nPromises funds are within Marcus. But refuses to give any information about reason for closure, status of accounts, timing of money distribution, or even whether she can review XXXX prior conversation history with all past customer service representatives. \nUltimately, says Im protecting myself at this point reason for not giving me any more information. \n\nXXXX. As of XXXX, over a month after discovering an account temporarily locked message on the Marcus app, XXXXXXXX has still not received any checks in the mail or wire transfers back to originating banks; is still locked from accessing either account ; has no information about account status or timeline for action by Marcus ; and can not access the {$100000.00} that she deposited.","date_sent_to_company":"2024-09-24T10:56:52.000Z","issue":"Managing an account","sub_product":"CD (Certificate of Deposit)","zip_code":"197XX","tags":null,"has_narrative":true,"complaint_id":"10208720","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2024-09-24T10:06:44.000Z","state":"DE","company_public_response":null,"sub_issue":"Deposits or withdrawals"},"highlight":{"complaint_what_happened":["Also said that from what she sees now the XXXX <em>account</em> is not being closed. [ This is directly contradictory to what every other person said. ] Then got transferred to the <em>security</em> department. \n<em>Security</em> specialist said : They cant send a passcode to verify with my phone number ( mine is <em>blocked</em> ). \nVerified through husbands phone number."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"]},"sort":[10.8106785,"10208720"]},{"_index":"complaint-public-v1","_id":"5304333","_score":10.762259,"_source":{"product":"Checking or savings account","complaint_what_happened":"To Whom It May Concern My wife and I moved recently in the XXXX from XXXX. We both opened TD accounts in Florida using our XXXX information. Both of us were long time clients with TD Canada Trust, and had been very happy with their services in the past. This was also desirable because we were both awarded credit using our Social Insurance Numbers ( XXXX ) instead of Social Security Numbers ( XXXX ). \nA few months later, I tried to log onto my Online Banking with TD and was denied access. I called multiple times and finally discovered that they had closed my account. They did so without notice, or reason. I had nearly XXXX in this account. We were on the phone with TD branch managers and TD customer service multiple times trying to resolve this issue. They refused to listen, and said I had no choice but to close the account and wait for the funds to be delivered in a form of a check.\n\nI never received any notice that my account was closed or why they closed it, and still havent. After three months my funds were still no where to be found. I received no check. My account and credit cards were blocked and I had no way to pay my credit card. They had nearly {$30000.00} of mine and made no effort to return that money to me. I went on to file a complaint and shortly after the remitted and re-opened the account. While this is a move in the right direction, it is also admittance that they made an unfair and unjust call my closing my account. This also is clear proof that in nearly 3 months they made no effort to return my money to me. During these months I was unable to pay my credit card, which now has late charges and penalties, and I was also forced to use other credit for my day-to-day life, which has a penalty of interest. \nIf TD had loaned me {$30000.00} for three months and I had made no payments, they would have added monetary fines to my account and they also would have charged me interest. Just reopening my account is NOT a fair solution and I demand that I be compensated for the unjust treatment of this bank. I am asking for Interest and penalties on my {$30000.00} of {$3000.00} as well as the interest and fees that have accrued on my TD visa since they closed the account in XXXX. \nThank you.","date_sent_to_company":"2022-03-09T23:30:19.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"76039","tags":null,"has_narrative":true,"complaint_id":"5304333","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2022-03-09T23:17:41.000Z","state":"TX","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["They did so without notice, or <em>reason</em>. I had nearly XXXX in this <em>account</em>. We were on the phone with TD branch managers and TD customer service multiple times trying to resolve this issue. They refused to listen, and said I had no choice but to close the <em>account</em> and wait for the funds to be delivered in a form of a check.\n\nI never received any notice that my <em>account</em> was closed or why they closed it, and still havent. After three months my funds were still no where to be found."],"product":["Checking or savings <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_product":["Checking <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[10.762259,"5304333"]},{"_index":"complaint-public-v1","_id":"7840225","_score":10.720308,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian XXXX XXXX XXXX. \nXXXX XXXX, CA XXXX Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission and Consumer Financial Protect Bureau notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. \n\n\n15 U.S. Code $ 1681c-2 A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days, and you are in VIOLATION of this law because I am a victim of identity theft. Please delete these items immediately. \n\nPlease see my reasons for dispute below : XXXX XXXX - Under 15 US Code 1681e ( b ) & 15 US Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. I DEMAND THIS ACCOUNT BE DELETED. \n\nXXXX XXXX XXXX XXXX XXXX CA, XXXX - Under 15 US Code 1681e ( b ) & 15 US Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. I DEMAND THIS ACCOUNT BE DELETED. \n\nXXXX XXXX XXXX XXXX XXXX CA, XXXX - Under 15 US Code 1681e ( b ) & 15 US Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. I DEMAND THIS ACCOUNT BE DELETED. \n\nXXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX - Under 15 US Code 1681e ( b ) & 15 US Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. I DEMAND THIS ACCOUNT BE DELETED. \n\nXXXX  XXXX XXXX XX/XX/2023 The following inquiry was not authorized and should not be reporting. These are in violation of 15 USC 1681b PLEASE DELETE. \n\nXXXXXXXX XXXX XXXXXX/XX/2023 The following inquiry was not authorized and should not be reporting. These are in violation of 15 USC 1681b PLEASE DELETE. \n\nThese accounts should not be furnished in my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b Permissible purpose of consumer report under the following circumstances and no other, ( 2 ) to accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT AS a consumer I am demanding the deletion of the accounts IMMEDIATELY! \n\nI demand my social security number and date of birth be removed from being displayed on my credit file for privacy reasons. \n\n\nThank you!","date_sent_to_company":"2023-11-12T23:45:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"94014","tags":null,"has_narrative":true,"complaint_id":"7840225","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-11-12T23:24:38.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["NO CONSENT IS IDENTITY THEFT AS a consumer I am demanding the deletion of the <em>accounts</em> IMMEDIATELY! \n\nI demand my social <em>security</em> number and date of birth be removed from being displayed on my credit file for privacy <em>reasons</em>. \n\n\nThank you!"]},"sort":[10.720308,"7840225"]},{"_index":"complaint-public-v1","_id":"17894510","_score":10.683259,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"From XXXX through XX/XX/XXXX, I used Robinhood ( including XXXX XXXX ) for joint brokerage, individual brokerage, and XXXX IRA accounts. On XX/XX/XXXX, Robinhood placed all accounts in position close only, blocked deposits/withdrawals, and gave no clear reason or remediation steps. Support functions in the app stopped working. \n\nOn XX/XX/XXXX Robinhood unenrolled me from cash sweep, cancelled Gold membership, and sent an Important Information Regarding Your Account notice stating they could no longer maintain my accounts and would liquidate positions, citing documents submitted I never submitted. I replied immediately, explained a prior attempted crypto transfer to a scam link that I had self-corrected, and asked how to resolve the issue instead of closing accounts. \n\nOn XX/XX/XXXX, Robinhood liquidated equities, ETFs, and crypto without my authorization ( total proceeds ~ {$4600.00} vs higher cost basis ; see attached activity statements ). The same day, they emailed that they would conduct another thorough review ( appeal ) that could take up to XXXX business days, yet they liquidated anyway. \n\nOn XX/XX/XXXX at XXXX AM PST, Robinhood force-closed remaining long-dated options ( XXXX XX/XX/XXXX {$430.00} call bought for {$8400.00}, XXXX XX/XX/XXXX {$1.00} calls XXXX bought for ~ {$440.00}, XXXX XX/XX/XXXX {$500.00} & {$560.00} calls bought for {$820.00} total ) for {$7400.00} proceeds realized loss {$2200.00}. These were long-term directional holdings; underlying securities ( XXXX, XXXX, etc. ) have risen sharply since liquidation, increasing realized and opportunity losses daily. \n\nXXXX then became visible but frozen : ~ {$8600.00} joint, ~ {$830.00} individual, ~ {$950.00} XXXX XXXX  total {$10000.00} frozen with no explanation. XXXX XXXX transfers to XXXX were rejected. In-app support auto-closed queries ; XX/XX/XXXX demand letter ignored. \n\nOn XX/XX/XXXX, restrictions were partially lifted ; I transferred some joint cash to my XXXX linked individual account. \n\nOn XX/XX/XXXX, while attempting to transfer the remaining ~ {$11000.00} liquid cash from the joint account for a planned investment, XXXX imposed new restrictions with no notice or explanation, again freezing the cash. We have only liquid cash in the accounts and should be able to move or use it freely. \n\nXXXX has never provided the reason for any restriction, liquidation, or re-freeze despite repeated requests. The forced sales of long-hold options and re-freezing of cash continue to cause mounting losses as markets rise.","date_sent_to_company":"2025-12-03T18:41:09.000Z","issue":"Other transaction problem","sub_product":"Virtual currency","zip_code":"97124","tags":null,"has_narrative":true,"complaint_id":"17894510","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ROBINHOOD MARKETS INC.","date_received":"2025-12-03T16:46:04.000Z","state":"OR","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["From XXXX through XX/XX/XXXX, I used Robinhood ( including XXXX XXXX ) for joint brokerage, individual brokerage, and XXXX IRA <em>accounts</em>. On XX/XX/XXXX, Robinhood placed all <em>accounts</em> in position close only, <em>blocked</em> deposits/withdrawals, and gave no clear <em>reason</em> or remediation steps. 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