{"took":65,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":193,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10854405","_score":18.302416,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am in the process of trying to secure a home mortgage, and due to an internal block, Equifax is refusing to release my credit report to my lender and thus preventing me from getting a mortgage. I might lose my house because of this. \n\nI received word from my lender on XX/XX/year> that they were unable to receive the report from Equifax. I called Equifaxs customer service line and was told that there was an internal block and the only way to remove it was to mail them a hard copy of my social security card, drivers license, birth certificate, most recent pay stub, a bank statement, and a utility bill. I sent everything to their specified XXXX XXXX XXXX XX/XX/year> and it was delivered on XX/XX/year>. \n\nI spoke to a customer service supervisor at Equifax on XXXX, XX/XX/XXXX and XXXX, XX/XX/year> to check on the progress. \n\nOn XX/XX/year>, the supervisor said that while my bank statement and social security card had been scanned into their system correctly, my drivers license and birth certificate were blank, and the only option I had was to resend everything again, wait another 5 business days to process and hope that my documents were scanned correctly this time. But that until the scans were in their system, they refused to lift the internal block that is preventing me from getting a home mortgage. \n\nI resent every document again on XX/XX/year>. I need them to lift whatever block they have in their system. Please help me!","date_sent_to_company":"2024-11-19T14:04:05.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"06611","tags":null,"has_narrative":true,"complaint_id":"10854405","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-19T13:47:15.000Z","state":"CT","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["On XX/XX/year>, the supervisor said that while my bank statement and social <em>security</em> card had been <em>scanned</em> into their <em>system</em> correctly, my drivers license and birth certificate were blank, and the only option I had was to resend everything again, wait another 5 business days to process and hope that my documents were <em>scanned</em> correctly this time. But that until the <em>scans</em> were in their <em>system</em>, they refused to lift the internal block that is preventing me from getting a home mortgage."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[18.302416,"10854405"]},{"_index":"complaint-public-v1","_id":"7908149","_score":17.463345,"_source":{"product":"Student loan","complaint_what_happened":"On XX/XX/XXXX  I sent Nelnet Inc an endorsed registered security. It was signed by XXXX XXXX or XXXX on XX/XX/2023. This was addressed to the confirmed Chief Financial Officer XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Nebraska XXXX. On XX/XX/2023 I called nelnet to confirm the receipt of said security. I was told by the first representative that I needed to wait more time and to give it until XX/XX/XXXX for it to be scanned in the system and be processed. On XX/XX/XXXX I called again and spoke with a representative who said they would escalate my call to the XXXX XXXX  as they were unable to tell me what a registered security was, the XXXX agent XXXX she informed me that the processes were backed up, and that, yes, indeed it takes two days to process a security, and that it still had not been scanned in the system, and was waiting on that as well. Today on XX/XX/2023 I called again and after waiting on hold for 2 1/2 hours I was able to speak with someone in XXXX  named XXXX. XXXX informed me that they do not accept securities as a form of payment, and that I sent the payment to the wrong address, XXXX then sent me to a supervisor after my request and the supervisor I spoke to you was named XXXX. XXXX then said that securities are in unacceptable form of payment and one I asked if they in fact received my registered security number XXXX XXXX XXXX  was not received, and that they in fact had not received anything from me at all in XXXX. I then clarified that XXXX XXXX XXXX XXXX is the CFO of the company and also that the XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX was in fact the corporate address.","date_sent_to_company":"2023-11-28T01:24:32.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"95833","tags":null,"has_narrative":true,"complaint_id":"7908149","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2023-11-28T00:57:56.000Z","state":"CA","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX I called again and spoke with a representative who said they would escalate my call to the XXXX XXXX  as they were unable to tell me what a registered <em>security</em> was, the XXXX agent XXXX she informed me that the processes were backed up, and that, yes, indeed it takes two days to process a <em>security</em>, and that it still had not been <em>scanned</em> in the <em>system</em>, and was waiting on that as well."]},"sort":[17.463345,"7908149"]},{"_index":"complaint-public-v1","_id":"3488278","_score":15.781921,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I put in an application for a Chase Sapphire Reserve card in ~ XX/XX/XXXX. I received a letter from Chase dated XX/XX/XXXX asking for me to come into a branch and provide a copy of my Social Security Card for verification. I've previously been a victim of identity theft so this type of thing is routine when opening new accounts for me. I went into the Chase branch at XXXX XXXX XXXX XXXX Washington DC XXXX on XX/XX/XXXX and XXXX XXXX ( XXXX ) took my Social Security Card into the back without me and scanned and faxed it to their Fraud department along with their \" SSA-89 '' form which had my SSN on it as well. She had the assistance of at least one other woman who worked at the bank. She took a copy of my SSN and used the copy to scan/fax it. I called XXXX to validate that the Card Services department had received it and had the phone on speaker phone while XXXX XXXX and the Card Services member talked about how to store the document. The Card Services member validated that she had what she needed and the call ended and I left the bank. \n\nOn XX/XX/XXXX I received the same letter as I received previously again and when I called both the bank and Card Services departments they did not know where my faxed or scanned Social Security Cards were. I would like a full investigation into this matter about how they were able to lose my PII, especially both a form with the SSN on it and a copy of my physical social security card. Card Services called back to tell me my application had been approved, but they were not able to tell me where my PII was. I also talked with the Branch Manager of the Chase Bank and she said she was going to find out what happened but I have not yet heard back either from her. I would like a full explanation from Chase about what happened and I want all of my information permanently deleted from their systems including documents because I do not trust that they will be able to protect my PII in the future because they have not currently.","date_sent_to_company":"2020-01-07T17:36:09.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"20002","tags":null,"has_narrative":true,"complaint_id":"3488278","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-01-07T17:30:37.000Z","state":"DC","company_public_response":null,"sub_issue":"Delay in processing application"},"highlight":{"complaint_what_happened":["I went into the Chase branch at XXXX XXXX XXXX XXXX Washington DC XXXX on XX/XX/XXXX and XXXX XXXX ( XXXX ) took my Social <em>Security</em> Card into the back without me and <em>scanned</em> and faxed it to their Fraud department along with their \" SSA-89 '' form which had my SSN on it as well. She had the assistance of at least one other woman who worked at the bank. She took a copy of my SSN and used the copy to <em>scan</em>/fax it."]},"sort":[15.781921,"3488278"]},{"_index":"complaint-public-v1","_id":"2698275","_score":15.488293,"_source":{"product":"Mortgage","complaint_what_happened":"On XX/XX/XXXX, I presented a registered and recorded Negotiable Security # XXXX to 4 different local Chase branches to pay off the loan for our home. We were directed to their downtown location which is XXXX XXXX XXXX, XXXX, XXXX, TX, XXXX. Upon our arrival. XXXX XXXX who is a XXXX XXXX XXXX for Chase was assigned to help us. I told XXXX XXXX that I was there to pay off my mortgage and that I needed someone to receive and accept it for their XXXX. Upon not understanding what the legal tender was, he called Chase back office for assistance. After scanning and sending a copy of the Security to their back office, we were told that they needed 7 to  14 days to research the security. While waiting for a response from Chase, a Qualified Written Request was sent to them on XX/XX/XXXX via certified mail. They signed for it on XX/XX/XXXX. During this time period, I received calls from Chase employees at least 2 times a week requesting payment and stating that this is an attempt to collect a debt. I stated to them each time that I presented them with a payment and that a copy of it should be in their system while they are researching it. They confirmed that it shows in their system and I should hear from them by XX/XX/XXXX. On XX/XX/XXXX, I received some information ( but not all ) from the XXXX and nothing regarding the Security I presented. Missing information from the XXXX mainly include cancelled checks that made the basis of the loan. On XX/XX/XXXX, I went to a different Chase branch located at XXXX XXXX XXXX, XXXX, TX, XXXX to see if someone could receive and accept the Security for their XXXX  XXXX XXXX for Chase is  who helped me at this branch. They followed the same process by contacting their back office for assistance and scanning a copy of it to them. First, the back office stated that they could not accept the security because it had Without Recourse attached to my name but they were going to check to make sure. After 11/2 to 2 hours of back and forth telephone conversations, they wanted to postpone the call until today ( XX/XX/XXXX ). XXXX requested that it be expedited because I was there and available that day ( XX/XX/XXXX ). Chase finally stated that they only accept payments in the form of Cashier 's checks, Bank certified check, Personal check, Attorney 's check, Money order, Wired funds, and I-branch payoff using cash ( see attached printout that I received from XXXX ). My  question to Chase is what note turned Security are they trying to enforce if a Negotiable Security is not an acceptable form of payment? Is this not the form of payment used at closing? This is specifically why the Security is addressed to their XXXX.","date_sent_to_company":"2017-10-10T23:42:04.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"2698275","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2017-10-10T22:18:16.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I stated to them each time that I presented them with a payment and that a copy of it should be in their <em>system</em> while they are researching it. They confirmed that it shows in their <em>system</em> and I should hear from them by XX/XX/XXXX. On XX/XX/XXXX, I received some information ( but not all ) from the XXXX and nothing regarding the <em>Security</em> I presented. Missing information from the XXXX mainly include cancelled checks that made the basis of the loan."]},"sort":[15.488293,"2698275"]},{"_index":"complaint-public-v1","_id":"8282064","_score":15.48357,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I applied for Care Credit in the beginning of XXXX. I went through the entire application process upon which Synchrony Care Credit sent me a link to scan my face and my driver license. I scanned my face with no issues but when I tried to scan my ID it would not read the barcode. Thus, I was denied a line of credit. So I called and they send I could send a letter stating why I disagree with the determination. So I wrote up a letter stating I am myself and I am applying for a line of credit. I included the date I applied, my application number and a color copy of my driver license and social security card as well as some personal information to prove to them I am who I am. ( Which is that I am a co-signer on my Moms account and included all of her personal information as well-someone other then me wouldnt know that ). They eventually sent a letter back saying that this information I submitted was not sufficient in proving my identity so they advised I wait a month and try again. So, I waited almost a year after I was issued a new driver license, I thought maybe this time it will work. Same result. I called again explaining that my credit has now been dinged twice just to be denied due to a system error. I explained that I have an Amazon synchrony account and had no problems with that. They said there was nothing they could do to help me, that I could just keep trying. I dont know how it benefits them to keep letting people ding their credit and not fix their verification system but I am very upset. If they can not verify me and approve my account then I want the songs removed from my credit line. How many peoples credit are they harming when all we want to do is built our credit?","date_sent_to_company":"2024-02-04T17:56:20.000Z","issue":"Getting a line of credit","sub_product":"Personal line of credit","zip_code":"33063","tags":null,"has_narrative":true,"complaint_id":"8282064","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2024-02-04T17:38:56.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I went through the entire application process upon which Synchrony Care Credit sent me a link to <em>scan</em> my face and my driver license. I <em>scanned</em> my face with no issues but when I tried to <em>scan</em> my ID it would not read the barcode. Thus, I was denied a line of credit. So I called and they send I could send a letter stating why I disagree with the determination. So I wrote up a letter stating I am myself and I am applying for a line of credit."]},"sort":[15.48357,"8282064"]},{"_index":"complaint-public-v1","_id":"16244494","_score":15.289167,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, I tried to create an online account on the MyEquifax website. The system required a verification step, and I was subsequently sent a physical letter containing a PIN. \n\nWhen I received the letter and entered the provided PIN on the website, I received an error message instructing me to call the customer care team. \n\nOn XX/XX/XXXX, I called and spoke with a representative named XXXX. He initiated a mobile document verification process, which required me to use my phone 's camera to scan the front and back of my driver 's license and take a photo of myself. After I completed this process, the representative informed me that the verification had failed. \n\nI asked for the specific reason why both the PIN verification and the mobile ID scan were unsuccessful. The representative was unable to provide any explanation, stating only that the system reported it as \" failed. '' The only solution offered was for me to mail physical copies of my sensitive documents, including my driver 's license and Social Security card, to a XXXX XXXXXXXX. I stated that I was not comfortable sending this sensitive information through the mail, especially without a clear reason why two separate digital verification methods had already failed. This process seems insecure and unreasonable. \n\nFollowing the call, I also sent an email to Equifax customer care on the same date detailing this entire experience, and I have not received a response. I am currently locked out of my ability to create and access my online Equifax account.","date_sent_to_company":"2025-09-29T15:50:44.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"55124","tags":null,"has_narrative":true,"complaint_id":"16244494","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-29T15:43:55.000Z","state":"MN","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["I asked for the specific reason why both the PIN verification and the mobile ID <em>scan</em> were unsuccessful. The representative was unable to provide any explanation, stating only that the <em>system</em> reported it as \" failed. '' The only solution offered was for me to mail physical copies of my sensitive documents, including my driver 's license and Social <em>Security</em> card, to a XXXX XXXXXXXX."]},"sort":[15.289167,"16244494"]},{"_index":"complaint-public-v1","_id":"4685572","_score":15.215377,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I received a suspicious letter on Kohl 's letterhead. The letterhead looks like it was scanned ( i.e. fake ) and the address is not the correct Kohl 's HQ address. \n\nThe letter had my name, address, and last digits of my Kohl 's credit card so I suspect that my information has been hacked from the Kohl 's computer systems. The letter threatens to cancel my card unless I send my social security number to a po box in Wisconsin. The letter references the Federal Equal Credit Opportunity Act. \n\nI called Kohls to report incident. Customer Service did not seem concerned and actually sang to me. I tried to report to Kohl 's HQ and it looks like they deleted my report.","date_sent_to_company":"2021-09-17T20:53:37.000Z","issue":"Other features, terms, or problems","sub_product":"Store credit card","zip_code":"30024","tags":null,"has_narrative":true,"complaint_id":"4685572","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2021-09-02T16:35:01.000Z","state":"GA","company_public_response":null,"sub_issue":"Privacy issues"},"highlight":{"complaint_what_happened":["The letterhead looks like it was <em>scanned</em> ( i.e. fake ) and the address is not the correct Kohl 's HQ address. \n\nThe letter had my name, address, and last digits of my Kohl 's credit card so I suspect that my information has been hacked from the Kohl 's computer <em>systems</em>. The letter threatens to cancel my card unless I send my social <em>security</em> number to a po box in Wisconsin. The letter references the Federal Equal Credit Opportunity Act. \n\nI called Kohls to report incident."]},"sort":[15.215377,"4685572"]},{"_index":"complaint-public-v1","_id":"13030723","_score":15.139277,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have held an account with CIBC USA for about XXXX years. \n\nIn the last six months I have had to change my contact details and this institution, relies on an identity verification program with XXXX XXXX XXXX. For some unknown reason, this verification system is coming up blank for me. I do not exist in its data base. \n\nI have reached out to the institution, to attempt to update my information another way and I am refused service, due to the issue with XXXX XXXX. \n\nCIBC USA is being extremely over zealous and draconian in their requirements of clients. \n\nI have even spoken to a Supervisor ( XXXX ) who remembers speaking to me years ago. Yet, I can not get anything accomplished. \n\nI have lost access to my Telephone Number and E-Mail address recently. In addition to this, I have relocated from XXXX to XXXX XXXX, about one month ago. \n\nI can provide this bank the following : Name, Date of Birth, former Address, former e-Mail, former Phone Number, Security Answer on the account, approximate date and amount of last deposit, approximate account balance, Debit Card Number, Passport Scan, Scan of XXXX XXXX ID showing previous address. \n\nWhy is all this information and the fact that a Supervisor remembers speaking to me, not sufficient to update my information?","date_sent_to_company":"2025-05-22T16:01:28.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"43026","tags":null,"has_narrative":true,"complaint_id":"13030723","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CIBC BANCORP USA INC.","date_received":"2025-04-17T16:35:06.000Z","state":"OH","company_public_response":null,"sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["I can provide this bank the following : Name, Date of Birth, former Address, former e-Mail, former Phone Number, <em>Security</em> Answer on the account, approximate date and amount of last deposit, approximate account balance, Debit Card Number, Passport <em>Scan</em>, <em>Scan</em> of XXXX XXXX ID showing previous address. \n\nWhy is all this information and the fact that a Supervisor remembers speaking to me, not sufficient to update my information?"]},"sort":[15.139277,"13030723"]},{"_index":"complaint-public-v1","_id":"7022821","_score":15.074209,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Dear Sir/Madam, I am writing to file a formal complaint against Capital One regarding the handling of my recent credit card application. I believe that my experience exemplifies a concerning issue with their application process, which has resulted in significant frustration and negative consequences for my financial standing. \n\nCase Details : Applicant Name : XXXX XXXX Case Number : XXXX Capital One Representative : XXXX XXXX Background : On XXXX XXXX, I submitted an application for a Capital One credit card, providing all necessary documents, including my driver 's license. I had to fax multiple times. However, I was informed by XXXX that my license documents could not be successfully scanned at the DMV website, despite multiple fax submissions. This experience has been extremely disappointing and has left me deeply dissatisfied with Capital One 's procedures and customer service. \n\nIssues : Inadequate Document Processing : The inability of Capital One 's system to accurately scan and process license documents is a significant flaw in their application process. This has led to unnecessary delays, additional burdens on applicants, and potential negative consequences, such as expiring credit pulls. \n\nLack of Alternative Document Options : When I suggested providing alternative identification documents, such as a green card, I was met with a lack of viable options and solutions. This limited approach demonstrates a lack of flexibility and a failure to address diverse customer circumstances. \n\nAbsence of Secure Document Submission Methods : It is concerning that Capital One, as a prominent financial institution in 2023, continues to rely heavily on fax submissions. The absence of secure document upload or email options not only raises privacy concerns but also contributes to inefficient communication and prolonged application processing times. \n\nResolution Requested : Prompt Application Review : I urge the Consumer Financial Protection Bureau to ensure that my application is reviewed promptly and fairly, without undue delays or bias. \n\nSystem Improvements : Capital One should invest in enhancing their application process to address the issues I have raised. This includes implementing reliable document scanning technology, exploring alternative document options, and establishing secure digital submission methods to ensure efficiency, customer convenience, and data security. \n\nFair Treatment : I request that Capital One treat all applicants consistently and ensure that credit pulls are not negatively impacted due to deficiencies in their application process. Rejection or negative outcomes should not be solely attributed to applicants when flaws in the system exist.","date_sent_to_company":"2023-05-24T23:00:07.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"330XX","tags":null,"has_narrative":true,"complaint_id":"7022821","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-05-24T22:55:20.000Z","state":"FL","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["<em>System</em> Improvements : Capital One should invest in enhancing their application process to address the issues I have raised. This includes implementing reliable document <em>scanning</em> technology, exploring alternative document options, and establishing secure digital submission methods to ensure efficiency, customer convenience, and data <em>security</em>."]},"sort":[15.074209,"7022821"]},{"_index":"complaint-public-v1","_id":"9348618","_score":15.066855,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Repeatedly locked out of access to Paypal account. Despite providing correct credentials Paypal has been requiring calls to customer service to unlock access to my account. Upon gaining access to the account I update personal/contact information and am again locked out of the account. This has happened at least 3 times in the process of updating phone number, mailing address, and email address. This last time I was locked out and customer service claims they can no longer unlock the account for no reason except for \" the way their system works. '' Further they inquire why I want to access my account. \n\nWithin multiple phone calls and talking to at least 4 representatives, including a supervisor, I have been required to authenticate through multiple devices, repeated autheticate through multiple security questions, change my password twice, and have stopped short of sending facial scans to the company. The representatives say there is nothing more they can do for me as they are at the mercy of their \" system '' and that my account lockout is temporary despite not being able to provide a timeline for resolution. \n\nIt is my belief that this is not a security measure but is a deceitful and dishonest business strategy. Unfortunately this practice has been going on for years by the company and continues.","date_sent_to_company":"2024-06-26T22:02:57.000Z","issue":"Managing, opening, or closing your mobile wallet account","sub_product":"Mobile or digital wallet","zip_code":"92120","tags":null,"has_narrative":true,"complaint_id":"9348618","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2024-06-26T21:36:01.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Within multiple phone calls and talking to at least 4 representatives, including a supervisor, I have been required to authenticate through multiple devices, repeated autheticate through multiple <em>security</em> questions, change my password twice, and have stopped short of sending facial <em>scans</em> to the company."]},"sort":[15.066855,"9348618"]},{"_index":"complaint-public-v1","_id":"4638256","_score":14.869409,"_source":{"product":"Checking or savings account","complaint_what_happened":"I attempted to open a Chime checking account on XX/XX/XXXX. \n\nThe application process asked me to scan my ID which I couldn't do at the time because I couldn't find it. I decided to go back to the application when I found it and left the website open. \n\nWhen I returned, it told me to restart my application because it timed out. I put in the same information and it declined my application immediately. I recognized this as the system thinking I'm trying to open a fraudulent account because my action of submitting a second application is suspicious. \n\nI contacted support immediately via email and they requested me to send a picture of my SOCIAL SECURITY CARD over email. \n\nI sent them a picture of me holding my ID, the front and back of my ID, as well as my social security card, despite my fears of identity theft in the event of a compromised system on their end. \n\n5 days later, they email me that they can not offer me an account which makes no sense. I am a college student, already have 2 credit cards in good standing and simply want a checking account that works for my needs. I don't want a brick and mortar bank. \n\nI seem to have fallen between the cracks in the Chime support system. I just want a checking account. It isn't that hard.","date_sent_to_company":"2021-08-17T21:02:06.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"33458","tags":null,"has_narrative":true,"complaint_id":"4638256","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2021-08-17T20:54:41.000Z","state":"FL","company_public_response":null,"sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["I contacted support immediately via email and they requested me to send a picture of my SOCIAL <em>SECURITY</em> CARD over email. \n\nI sent them a picture of me holding my ID, the front and back of my ID, as well as my social <em>security</em> card, despite my fears of identity theft in the event of a compromised <em>system</em> on their end. \n\n5 days later, they email me that they can not offer me an account which makes no sense."]},"sort":[14.869409,"4638256"]},{"_index":"complaint-public-v1","_id":"11501786","_score":14.834728,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I recently checked my Experian account and discovered several instances of suspicious activity conducted without my consent. Experian appears to have accessed and used my personal information for various purposes, as detailed in messages sent to me via their website. The activities included : Running my information against the USPS database Running my Social Security Number ( SSN ) against report data Scanning my neighborhood for XXXX XXXX  Running my information against municipal court system records Running my information against the dark web Searching for alternate lending activity These actions were carried out without my explicit consent, and my personal information was accessed and used inappropriately. I have screenshots of the messages from Experians website confirming these actions.","date_sent_to_company":"2025-01-13T20:46:37.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"29303","tags":null,"has_narrative":true,"complaint_id":"11501786","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-13T19:53:58.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The activities included : Running my information against the USPS database Running my Social <em>Security</em> Number ( SSN ) against report data <em>Scanning</em> my neighborhood for XXXX XXXX  Running my information against municipal court <em>system</em> records Running my information against the dark web Searching for alternate lending activity These actions were carried out without my explicit consent, and my personal information was accessed and used inappropriately."]},"sort":[14.834728,"11501786"]},{"_index":"complaint-public-v1","_id":"2098858","_score":14.578869,"_source":{"product":"Bank account or service","complaint_what_happened":"We recently found in our home filing cabinet a XXXX Savings Account passbook from XXXX that we completely had forgotten about. After researching on the internet, XXXX was taken over by Wachovia in XXXX and later in XXXX Wachovia was taken over by Wells Fargo Bank. After talking on the phone to a Wells Fargo Client Services representative the first time, he was unable to find anything in their system regarding my account, So as agreed, I sent a letter with scanned copies of the passbook along with a copy of my drivers license, to verify my identity. A month passed, and I received no feedback. So, I contacted them again and we went through the same process again ( i.e., checked their system by my name, my account number, social security number, etc. ) and no results. I again was instructed to write a \" Letter of Instruction '' to a different address XXXX \n\nAt this point I really feel I 'm getting the run-a-round especially since my research finds that Wells Fargo could be heading for some troubles.","date_sent_to_company":"2016-09-07T14:47:17.000Z","issue":"Deposits and withdrawals","sub_product":"Other bank product/service","zip_code":"45365","tags":"Older American","has_narrative":true,"complaint_id":"2098858","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2016-09-07T14:47:16.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["After talking on the phone to a Wells Fargo Client Services representative the first time, he was unable to find anything in their <em>system</em> regarding my account, So as agreed, I sent a letter with <em>scanned</em> copies of the passbook along with a copy of my drivers license, to verify my identity. A month passed, and I received no feedback."]},"sort":[14.578869,"2098858"]},{"_index":"complaint-public-v1","_id":"2590630","_score":14.545953,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"COMPUTER SCAM EVENT I was working on my desktop computer when a pop-up SECURITY ALERT took over control of my monitor!! The ALERT stated that the computer was infected with a XXXX virus [ this was the first LIE in this drama ] and I must call the phone number displayed in the alert to have it removed ( there was no way to remove the alert my computer was frozen ). It further stated that if I shutdown the computer, the security team would take control of the computer to keep the virus from infecting their system. I complied and called the toll free number. The person who answered the phone identified himself as XXXX and his security firm, XXXX ( he mentioned they were similar to the Best Buy firm XXXX XXXX who I am familiar with ) was working for XXXX as internet security contractors [ this was the second LIE in this drama ], He told me he would have to gain access to my computer to be able to scan the hard drive and remove the virus and repair any other illicit issues. There would be a fee for this service ( I think he mentioned {$99.00} ). I agreed and he took control of the computer. Scans appeared to be taking place and then terminated XXXX came back on the line and said that the virus had been removed and some other repairs had been made as well [ this was the third LIE as I later found out there never was a XXXX virus to begin with!! ]. He went on to say that his firm provided computer security protection/repair for $ XXXX/year for as many devices as were located at my address, but went on to offer security protection for two years for only an additional {$100.00}. This is how the credit card FRAUD/SCAM charge appeared in the amount of {$210.00} on my Citi Card. Just before terminating the phone conversation, XXXX said to me ; dont bother calling XXXX as they dont want to be bothered with issues their contractors deal with. It was this statement that piqued alarm bells and caused me to call my son-in-law who is an IT supervisor with XXXX XXXX XXXX in XXXX. CA. He told me ; XXXX, you have been SCAMMED!! get your computer to Best Buys XXXX XXXX as soon as possible theres no telling what the Scammers may have done to your equipment!!.","date_sent_to_company":"2017-07-31T20:02:36.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"94526","tags":null,"has_narrative":true,"complaint_id":"2590630","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2017-07-31T04:05:19.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["It further stated that if I shutdown the computer, the <em>security</em> team would take control of the computer to keep the virus from infecting their <em>system</em>. I complied and called the toll free number."]},"sort":[14.545953,"2590630"]},{"_index":"complaint-public-v1","_id":"15575580","_score":14.493779,"_source":{"product":"Checking or savings account","complaint_what_happened":"I opened a Chase account on XX/XX/year> at the XXXX XXXX XXXX branch in Rhode Island and provided my Social Security Number, which was scanned at account opening. Later, I received a letter saying XXXX could not verify my SSN and I needed to submit an XXXX verification form. \n\nI submitted the required SSN form on XX/XX/year> to XXXX XXXX at the XXXX XXXX XXXX, but it was never uploaded into the system. I couldnt reach out to them by phone that they have on XXXX. When I couldnt access my account, I returned on XX/XX/year>, and was told to fill out the form again. By then, the submission deadline of XX/XX/year> had passed. \n\nBecause of this employees failure to process my paperwork on time, my account was closed. This was not my fault, and as a result I also lost eligibility for the direct deposit bonus I should have received.","date_sent_to_company":"2025-08-28T03:32:08.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"02904","tags":null,"has_narrative":true,"complaint_id":"15575580","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-08-28T03:10:36.000Z","state":"RI","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I opened a Chase account on XX/XX/year> at the XXXX XXXX XXXX branch in Rhode Island and provided my Social <em>Security</em> Number, which was <em>scanned</em> at account opening. Later, I received a letter saying XXXX could not verify my SSN and I needed to submit an XXXX verification form. \n\nI submitted the required SSN form on XX/XX/year> to XXXX XXXX at the XXXX XXXX XXXX, but it was never uploaded into the <em>system</em>. I couldnt reach out to them by phone that they have on XXXX."]},"sort":[14.493779,"15575580"]},{"_index":"complaint-public-v1","_id":"3484702","_score":14.37613,"_source":{"product":"Checking or savings account","complaint_what_happened":"My name is XXXX. I am a XXXX  at the XXXX XXXX of the University XXXX XXXX. I was born in XXXX and have filed tax returns for many years with my US issued Social Security number. I have had bank accounts at XXXX XXXX  ( now XXXX ) and XXXX XXXX XXXX. Today, I tried opening a CD account with Marcus by Goldman Sachs on XX/XX/20, and my application was declined because their system could not verify my identity. I spoke with a supervisor named XXXX who proceeded to explain that Marcus will not take my money because its system can not prove that I am who I say I am. I provided my social security number and every other piece of information for which they asked, so I do not know how it is possible that my identity can not be authenticated. I offered to provide XXXX more information to prove my identity such as a scanned photo of my passport, driver 's license, and my current bank account information. She refused. I am very disappointed and have never come across an issue like this before : a bank rejects the money of a perfectly contributing, tax paying American citizen who is a student at one of the nation 's top universities. The fact that their system could not verify my identity in public or private records indicates that their system is either flawed or pulling information from the wrong records. In either case, it's detrimental to the consumer. My mother is a XXXX XXXX at one of the largest bank 's and was baffled by this situation. Marcus and Goldman Sachs need to review their policies and procedures and address situations that lead to ridiculous outcomes such as the one today.","date_sent_to_company":"2020-01-03T20:12:30.000Z","issue":"Opening an account","sub_product":"CD (Certificate of Deposit)","zip_code":"18940","tags":null,"has_narrative":true,"complaint_id":"3484702","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2020-01-03T19:31:29.000Z","state":"PA","company_public_response":null,"sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["I provided my social <em>security</em> number and every other piece of information for which they asked, so I do not know how it is possible that my identity can not be authenticated. I offered to provide XXXX more information to prove my identity such as a <em>scanned</em> photo of my passport, driver 's license, and my current bank account information. She refused."]},"sort":[14.37613,"3484702"]},{"_index":"complaint-public-v1","_id":"6420689","_score":14.122976,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Chase stole my security/bond that I mailed in registered mail and did not credit my account. I have attached the USPS return receipt that shows the representative that signed for the security as well. Chase lists in their disclosure, payment instructions for \" conditional payments '', other forms of payments or special endorsements. I followed the instructions as instructed and my account was still not credited. After calling in on XX/XX/XXXX at XXXX EST, I was informed by two very abrasive representatives that my security was accepted, kept, scanned into the system and noted for banking but they will not credit my account. The supervisor even threatened me that they will report my account late. I have attached a more Indepth summary of the issues. I understand that the STATEMENT that is mailed to me every month which gives an ACCOUNT SUMMARY as indicated on the bond portion of the coupon ( book-entry note ), is actually a dividend payment from securitizing my account and the transferring/trading of my securities in public markets and private transactions through CHASE XXXX XXXX, CHASE XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, owner trustee, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX trustee and JP MORGAN SECURITIES XXXX , just one of the underwriters. It is not a BILL for me. The obligation is the issuers, CHASE XXXX XXXX per their indenture agreement, Securities Exchange act of 1934, the Trust Indenture Act of 1939. On the call, which was automatically recorded, I requested a supervisor above XXXX. However, she refused and told me that there is no one above her. If I want a resolution, the only way would be for me to send in a written request to the correspondence department.","date_sent_to_company":"2023-01-10T23:55:07.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"44124","tags":null,"has_narrative":true,"complaint_id":"6420689","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-01-10T23:08:01.000Z","state":"OH","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["After calling in on XX/XX/XXXX at XXXX EST, I was informed by two very abrasive representatives that my <em>security</em> was accepted, kept, <em>scanned</em> into the <em>system</em> and noted for banking but they will not credit my account. The supervisor even threatened me that they will report my account late. I have attached a more Indepth summary of the issues."]},"sort":[14.122976,"6420689"]},{"_index":"complaint-public-v1","_id":"2976278","_score":13.843901,"_source":{"product":"Checking or savings account","complaint_what_happened":"TD Bank is not allowing me access to my XXXX Benefits from social security at their physical branches because they deleted my expired XXXX XXXX from their system last year in XXXX. They deleted the expired XXXX XXXX in XX/XX/XXXX because that was the only ID in my possession after my wallet ( gym bag ) was either lost or stolen. I knew that I'd initially opened the account w/ my current foreign passport and expired XXXX XXXX   because the bank 's rep scanned both in their computer system, so I thought that the bank would allow me access to my funds after answering the security questions w/ the expired XXXX XXXX. I was denied a new bankcard at the physical branch in XXXX ( XXXX ) and told that I'd initially only used my foreign passport to open the account when two forms of identification are needed to open an account if you're a resident alien w/out city or state ID. Now, in XX/XX/XXXX, after the XXXX XXXX told me to return to the bank when my renewed XXXX XXXX arrived in the mail to access my account back in XX/XX/XXXX- I'm being denied service at other physical branches w/the renewed XXXX XXXX, and being asked to provide my foreign passport as an alternative identification when that's the ID that was compromised, not the XXXX XXXX. Why are other customers only using their XXXX XXXX to access their accounts while I'm being denied this same opportunity? It's seems personal.","date_sent_to_company":"2018-07-29T18:58:41.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"10452","tags":null,"has_narrative":true,"complaint_id":"2976278","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2018-07-29T18:08:51.000Z","state":"NY","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["I knew that I'd initially opened the account w/ my current foreign passport and expired XXXX XXXX   because the bank 's rep <em>scanned</em> both in their computer <em>system</em>, so I thought that the bank would allow me access to my funds after answering the <em>security</em> questions w/ the expired XXXX XXXX."]},"sort":[13.843901,"2976278"]},{"_index":"complaint-public-v1","_id":"6468928","_score":13.736786,"_source":{"product":"Checking or savings account","complaint_what_happened":"My small business, Total Care Pediatrics, has a sweep account with U S Bank. The account is mandated by XXXX XXXX, my electronic health record company. \n\nI had not had a reason to log into my account for between 6 and 9 months. When I tried to log onto the account to looking into a potential issue with not managing the funds as instructed, I was unable to do so. The account was locked. I entered the security questions correctly, but the system said they were wrong.\n\nI was unable to reset the password, despite having the correct credentials, including my entrust data card random key generator.\n\nI called to inquire why I was unable to access my account, I was told that the account is automatically locked, if the account is not accessed at least once every 90 days. I was sent a form to complete, sign, scan, and email back. I did this but still was not given access to my account.\n\nI called back the following day and the representative said I would not be given access to my account for another 72 hours, because they will not process my request. \n\nI should not have to access my account every 90 days for no reason to access MY money. I should be able to reset the log in credentials as long as I have the security information.","date_sent_to_company":"2023-02-13T19:56:59.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"30106","tags":null,"has_narrative":true,"complaint_id":"6468928","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2023-01-21T18:08:06.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["I entered the <em>security</em> questions correctly, but the <em>system</em> said they were wrong.\n\nI was unable to reset the password, despite having the correct credentials, including my entrust data card random key generator.\n\nI called to inquire why I was unable to access my account, I was told that the account is automatically locked, if the account is not accessed at least once every 90 days. I was sent a form to complete, sign, <em>scan</em>, and email back."]},"sort":[13.736786,"6468928"]},{"_index":"complaint-public-v1","_id":"4220949","_score":13.7299795,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I bought a XXXX XXXX XXXX by Netspend from XXXX and loaded it with XXXX . I have been trying to activate my card for days but so far couldn't. \nFirst, I tried to activate it through their website with no success. On the activation page, you are asked to enter the card number and security number, and when you do that and press continue, nothing happens. The activation page only refreshes ; Then, I called them as I also needed customer support to activate. After several attempts, the automated response was saying that all lines are busy and then hung up!!! I tried several times but can not reach anyone. After that, I downloaded their app, and finally, their system recognized my card for activation. They asked for my name, address, and social security, which I reluctantly gave. After setting up the account, I was blocked again, and I was requested to scan a valid ID and send it to them!!!! \nThis means revealing too much information about myself, and most importantly, this request was not written on the card 's packet when I bought it. \nFinally, I tried to solve the issue by calling customer service but again, no luck. It's just that nobody answers. \nCheck the other reviews of Netspend on the internet, and you will find tons of complaints about this card. I should have researched them first!!","date_sent_to_company":"2021-03-17T15:18:33.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"20007","tags":null,"has_narrative":true,"complaint_id":"4220949","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Netspend Corporation","date_received":"2021-03-17T14:57:27.000Z","state":"DC","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":["They asked for my name, address, and social <em>security</em>, which I reluctantly gave. After setting up the account, I was blocked again, and I was requested to <em>scan</em> a valid ID and send it to them!!!! \nThis means revealing too much information about myself, and most importantly, this request was not written on the card 's packet when I bought it. \nFinally, I tried to solve the issue by calling customer service but again, no luck. It's just that nobody answers."]},"sort":[13.7299795,"4220949"]},{"_index":"complaint-public-v1","_id":"2925345","_score":13.67328,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I initially filed a complaint with Equifax about reporting two mortgages that are either duplicates or incorrectly recorded on their end, and three mortgage \" hard inquiries '' that should have concatenated due to shopping around. \n\nThese mortgages add up to {$210000.00} of debt that should not be in my name. \n\nI caught this after noticing only Equifax reported a 30pt drop in my credit score via XXXX XXXX. \n\nI filed the complaint in the beginning of XX/XX/XXXX, and received a \" completed '' investigation email today XX/XX/2018. Upon attempting to login, the website threw an initial system unavailable try back later. \n\nI tried again five hours later, and my social security number and information no longer work. They are pulling up someone else credit history to question against! \n\nI can't access their online report at \" XXXX '' -- they expect me to now scan my social security card or passport, and a bill from my home and mail it to them? \n\nThis company has already reported to me that they are monitoring my name for fraud as it was compromised in their leak, and they are now committing fraud by preventing the removal of erroneous accounts, or me seeing my credit report. \n\nI don't understand how Equifax is the only one reporting this incorrectly.","date_sent_to_company":"2018-06-04T04:31:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"94103","tags":null,"has_narrative":true,"complaint_id":"2925345","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-06-04T04:31:51.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Upon attempting to login, the website threw an initial <em>system</em> unavailable try back later. \n\nI tried again five hours later, and my social <em>security</em> number and information no longer work. They are pulling up someone else credit history to question against! \n\nI can't access their online report at \" XXXX '' -- they expect me to now <em>scan</em> my social <em>security</em> card or passport, and a bill from my home and mail it to them?"]},"sort":[13.67328,"2925345"]},{"_index":"complaint-public-v1","_id":"8637208","_score":13.509493,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"i've been locked out of my Robinhood account for a while. Today i attempted to sign on and follow the instructions off the web \" How Do I contact Robin support '' would not let me, IMPOSSIBLE!!. I tried to go through the APP as instructed, ABSOLUTELY NOT able to complete. Sends you in a loop.!! I signed in with my whole soc security number. they scanned my face, and i took a pic of front and back of driver ; s licence. I attempted to reach out through a chat. absouly a no go. The system just takes you in a loop, demanding the same info. Then I look up phone numberXXXX The phone number listed from the web, and guest what? Its telling you that this is the only number you can reach us by and to only contact them via Chat or through the App. and I cant contact them with any. Its a big loop. PLease help I am loosing my mind with the lack of customer service that help special situations. \nit instructs you to","date_sent_to_company":"2024-03-24T02:25:11.000Z","issue":"Other service problem","sub_product":"Virtual currency","zip_code":"48221","tags":"Servicemember","has_narrative":true,"complaint_id":"8637208","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"ROBINHOOD MARKETS INC.","date_received":"2024-03-24T01:41:21.000Z","state":"MI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I signed in with my whole soc <em>security</em> number. they <em>scanned</em> my face, and i took a pic of front and back of driver ; s licence. I attempted to reach out through a chat. absouly a no go. The <em>system</em> just takes you in a loop, demanding the same info. Then I look up phone numberXXXX The phone number listed from the web, and guest what? Its telling you that this is the only number you can reach us by and to only contact them via Chat or through the App. and I cant contact them with any."]},"sort":[13.509493,"8637208"]},{"_index":"complaint-public-v1","_id":"3992040","_score":13.509493,"_source":{"product":"Checking or savings account","complaint_what_happened":"I received an email stating that I needed to submit documentation within 5 days or my account would be suspended. I called the same day and found out what documentation, and then submitted it while on the phone with chime customer service. My account was then suspended that day. I was told to wait 1-2 business days. I did, and still no resolution from chime. I called and then received an email stating I needed to submit all the documentation again that I had already submitted 3 days before. I resubmitted and then received an email that my account was closed because of a document that was a scan. I called and was told to resubmit my social security card, which I did immediately. I received a response back the next day that said I need to wait 2-3 business days for a resolution, and that if I email back it will cause the time frame to be longer. I have tried to call and since my account has been closed, the automated system will not let me talk to anyone. It has been 5 days and I have not received a response.","date_sent_to_company":"2020-12-04T21:36:38.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"897XX","tags":null,"has_narrative":true,"complaint_id":"3992040","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2020-12-04T21:22:56.000Z","state":"NV","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I resubmitted and then received an email that my account was closed because of a document that was a <em>scan</em>. I called and was told to resubmit my social <em>security</em> card, which I did immediately. I received a response back the next day that said I need to wait 2-3 business days for a resolution, and that if I email back it will cause the time frame to be longer. I have tried to call and since my account has been closed, the automated <em>system</em> will not let me talk to anyone."]},"sort":[13.509493,"3992040"]},{"_index":"complaint-public-v1","_id":"6546710","_score":13.394055,"_source":{"product":"Debt collection","complaint_what_happened":"Someone with the same name as me, the same date of birth, who failed to pay the balance of their account and failed to return the equipment to XXXX ( XXXX XXXX ). \n\nThis is the second time XXXX  has misreported a collections account as me. A few years ago I saw an account show up on my credit report as in collections. I disputed the account with XXXX, and within a few weeks it was removed. This time when I disputed this new account in collections, XXXX said that they confirmed it was my account, so I contacted the collections company I.C. SYSTEM INC. on XX/XX/XXXX to gather all the information I could on the account and see how this could be resolved. I spoke with a XXXX ID # XXXX who confirmed that the only information that matched mine was my name XXXX XXXX, and my date of birth, XX/XX/XXXX. The service address, phone number, email, is different. XXXX told me to contact XXXX and submit a fraud case. \n\nI contacted XXXX, opened a fraud case ( XXXX fraud case # XXXX ). The agent I spoke with confirmed that the social security number on the service account the collections account is regarding does not match my social security number, so I disputed the collections account with XXXX again, uploaded scanned copies of my driver 's license, social security card, and passport. XXXX closed the dispute on XX/XX/XXXX with the findings that I.C. SYSTEM INC. confirmed the collections account is me. So when I saw this today ( XX/XX/XXXX ) I called I.C. SYSTEM INCXXXX at XXXX XXXX  EST to ask how they are confirming the account belongs to me. The person I spoke with said that when XXXX investigates the dispute, they just confirmed the information that they have, which in this case, is just the name XXXX XXXX and the date of birth XX/XX/XXXX. I.C. SYSTEM INC. said they do not have this person 's middle name and they do not have this person 's social security number. \n\nXXXX  is asking me to file a police report claiming identity fraud, but I do not believe this other XXXX XXXX used my identity to open an account, I think XXXX  ( XXXX XXXX ) is improperly reporting the information to their hired collections company I.C. SYSTEM INC. \n\nI have an active service account with XXXX and I believe they're misreporting that information. \n\nIt is extremely frustrating that this is the second time XXXX has done this, docking my credit score, taking up a lot of my personal time, and causing me undue stress.","date_sent_to_company":"2023-02-08T20:35:57.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"32803","tags":null,"has_narrative":true,"complaint_id":"6546710","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2023-02-08T20:04:53.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["The agent I spoke with confirmed that the social <em>security</em> number on the service account the collections account is regarding does not match my social <em>security</em> number, so I disputed the collections account with XXXX again, uploaded <em>scanned</em> copies of my driver 's license, social <em>security</em> card, and passport. XXXX closed the dispute on XX/XX/XXXX with the findings that I.C. <em>SYSTEM</em> INC. confirmed the collections account is me. So when I saw this today ( XX/XX/XXXX ) I called I.C."],"company":["<em>System</em>, Inc."]},"sort":[13.394055,"6546710"]},{"_index":"complaint-public-v1","_id":"5798968","_score":13.201623,"_source":{"product":"Checking or savings account","complaint_what_happened":"My bank XXXX XXXX XXXX XXXX merged and became the Pentagon Federal Credit Union, where account numbers, routing numbers and other information were changed from XXXX to the Pentagon system. There were problems and errors by these entities during this merge. \n\nOnce Pentagon FCU allowed website online access, I had to call in at least 3 times to correct problems from checks and deposits. I have had direct deposits of my XXXX State pension and Social Security XXXX since XXXX into Pentagon FCU. \n\nI recently called this week XX/XX/XXXX into the Pentagon FCU and was told during a security check, that my SS # did not match the one on file at Pentagon FCU. The XXXX  did confirm my identity thru other methods. I was told to scan my documents and upload them to have the change made. I have done this more than once over the last two days with resulting incompetence at Pentagon FCU in resolving this matter. \n\nSecondly, my call was to receive a 'detailed report ' of the 'monthly withdrawal transactions ' from my XXXX XXXX checking account involving my XXXX, XXXX, and current XXXX external payments to my 'mortgage company at XXXX XXXX '. The limited and archaic website at Pentagon FCU does not allow a ''search '' of certain transactions for specified dates, and to print this out. \n\nThese complaint are about Customer Service and Responsibility which is lacking here.","date_sent_to_company":"2022-07-22T20:51:51.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"07601","tags":null,"has_narrative":true,"complaint_id":"5798968","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"PENTAGON FEDERAL CREDIT UNION","date_received":"2022-07-22T20:09:22.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["I recently called this week XX/XX/XXXX into the Pentagon FCU and was told during a <em>security</em> check, that my SS # did not match the one on file at Pentagon FCU. 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