{"took":236,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1119,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6900269","_score":17.057411,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I was affected by XXXX in XXXX 2020 and had 3 late payments on my credit card. I paid the late fees and have not had any more late payments since. The credit card company states that they can not remove the reported late payments. No reason was given. \nThis is have a negative affect on my credit even though it was thee years ago. According to the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) the late report should be removed if the account is in good standing now.","date_sent_to_company":"2023-04-27T17:29:02.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"General-purpose credit card or charge card","zip_code":"77356","tags":"Servicemember","has_narrative":true,"complaint_id":"6900269","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-04-27T17:00:12.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I paid the late fees and have not had any <em>more</em> late payments since. The credit card company states that they can not remove the reported late payments. No <em>reason</em> was given. \nThis is have a negative affect on my credit <em>even</em> though it was thee years ago. According to the Coronavirus Aid, Relief, and Economic <em>Security</em> Act ( CARES Act ) the late report <em>should</em> be removed if the account is in good standing now."]},"sort":[17.057411,"6900269"]},{"_index":"complaint-public-v1","_id":"10908807","_score":16.84418,"_source":{"product":"Prepaid card","complaint_what_happened":"XX/XX/year>, {$650.00} via XXXX, Merchant = XXXX. Transaction declined in-person. \nAmerican Express customer service stated the reason was \" missing CVV '', even though the card was added to my XXXX XXXX with my card number, CVV, and Expiration date. \nXX/XX/year>, {$300.00}, Merchant = XXXX XXXX. Transaction declined online. \nAmerican Express customer service stated the reason was for Security. \nXX/XX/year> : {$3.00}. XXXX XXXX. Transaction declined. \nAmerican Express customer service stated the reason was for Merchant did not transmit complete information. \n\nAccording to the prepaid card use instructions, the card should be accepted anywhere American Express is accepted ; for online use, I can use the card at merchants that require the Card number, expiration, and security code. There are obviously more restrictions than stated, yet neither Customer Service representative I contacted on XX/XX/year>XXXX  was able to explain to me how to use the card as advertised.","date_sent_to_company":"2024-11-24T02:00:41.000Z","issue":"Trouble using the card","sub_product":"General-purpose prepaid card","zip_code":"02446","tags":null,"has_narrative":true,"complaint_id":"10908807","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-11-24T01:52:47.000Z","state":"MA","company_public_response":null,"sub_issue":"Trouble using the card to spend money in a store or online"},"highlight":{"complaint_what_happened":["American Express customer service stated the <em>reason</em> was \" missing CVV '', <em>even</em> though the card was added to my XXXX XXXX with my card number, CVV, and Expiration date. \nXX/XX/year>, {$300.00}, Merchant = XXXX XXXX. Transaction declined online. \nAmerican Express customer service stated the <em>reason</em> was for <em>Security</em>. \nXX/XX/year> : {$3.00}. XXXX XXXX. Transaction declined. \nAmerican Express customer service stated the <em>reason</em> was for Merchant did not transmit complete information."]},"sort":[16.84418,"10908807"]},{"_index":"complaint-public-v1","_id":"5197257","_score":16.581068,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Good Morning, I'm seeking your guidance for a concern with one of the three consumer reporting credit agencies, Experian. \n\nI have my credit frozen with Experian. I paid for their service, I kept the correct PIN and login. For no reason, when I went to un-freeze my credit yesterday, they say they need more proof to un-freeze my account. This despite having all the required information. \n\nWhat's worse, FAR WORSE, they are demanding I send a copy of my social security card, copy of driver 's license and another bill... .in the mail! Just handing over my identity to the mail. NO WAY! \n\nThere's no customer service number, no contact, no help. You literally can't call. \n\nThis is not right. They are demanding you put your identity at risk, and offer no alternate means or even means of contact. And for no reason, I had all the required information for a service I paid for. \n\nThis is not right and that company needs regulation. And we, the consumer, are stuck with them. \n\n*I should be able to access my information if my login is correct. \n\n*They should have a real customer service number. \n\n*In no way should I ever be asked to mail my social security number and ID in the mail. They should have secure, electronic means to do this. \n\nI'm asking for your help addressing this. Thank you.","date_sent_to_company":"2022-02-08T15:19:00.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"99224","tags":null,"has_narrative":true,"complaint_id":"5197257","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-02-08T15:07:44.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["They are demanding you put your identity at risk, and offer no alternate means or <em>even</em> means of contact. And for no <em>reason</em>, I had all the required information for a service I paid for. \n\nThis is not right and that company needs regulation. And we, the consumer, are stuck with them. \n\n*I <em>should</em> be able to access my information if my login is correct. \n\n*They <em>should</em> have a real customer service number. \n\n*In no way <em>should</em> I ever be asked to mail my social <em>security</em> number and ID in the mail."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[16.581068,"5197257"]},{"_index":"complaint-public-v1","_id":"1455612","_score":16.569483,"_source":{"product":"Credit reporting","complaint_what_happened":"annualcreditreport.com says it can not supply my free annual report by email \" for security reasons ''. It had no trouble asking me to input all my personal information online, so why should it balk at sending me my own personal information online, via email? It does offer to send the report via regular mail but that appears to take two weeks and it requires the provision of even more personal information. We all know that this is just another invasion of what little is left of our privacy. Please do something to stop it.","date_sent_to_company":"2015-07-29T19:44:07.000Z","issue":"Unable to get credit report/credit score","sub_product":null,"zip_code":"96740","tags":"Older American","has_narrative":true,"complaint_id":"1455612","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2015-07-07T22:21:33.000Z","state":"HI","company_public_response":"Company chooses not to provide a public response","sub_issue":"Problem getting my free annual report"},"highlight":{"complaint_what_happened":["annualcreditreport.com says it can not supply my free annual report by email \" for <em>security</em> <em>reasons</em> ''. It had no trouble asking me to input all my personal information online, so why <em>should</em> it balk at sending me my own personal information online, via email? It does offer to send the report via regular mail but that appears to take two weeks and it requires the provision of <em>even</em> <em>more</em> personal information. We all know that this is just another invasion of what little is left of our privacy."]},"sort":[16.569483,"1455612"]},{"_index":"complaint-public-v1","_id":"3303679","_score":16.302523,"_source":{"product":"Debt collection","complaint_what_happened":"This debt collection agency has never called, emailed, mailed or made any attempt to reach me regarding this debt. I only discovered it due to a credit report after they had been reporting it for more than a year. Upon discovering the derogatory mark, I reached out to the company to explain that the contract they were attempting to collect on was my Father 's of the same name who passed away in XXXX of 2014. I don't even know how they got my social security number. It is troubling that they would take the time to find my social and report me to a credit reporting agency, but they won't take the time to send an email, make a call or lick a stamp and send an envelope! They say they have a signed agreement that proves I agreed to the contract and payments with XXXX and that I provided XXXX my social security number, yet they have failed after several attempts to provide this evidence. I have NEVER given XXXX  my social security number nor did I agree to any charges. My Father may have, but I did not and it is for this reason they fail after several requests to provide this evidence. If I signed this contract and provided my social security number, than the burden of proof lies with them. For this reason alone they should drop the matter and remove all derogatory marks from my credit reports. They should take a serious look at their lazy tactics as well. Call, email or mail someone you're trying to collect a debt from. Hurting their credit until they pay is more along the lines of extortion than it is an honest attempt to collect a debt, whether a legitimate debt or not. In this case, it is not.","date_sent_to_company":"2019-07-11T23:29:44.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"84003","tags":null,"has_narrative":true,"complaint_id":"3303679","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Perfection Collection","date_received":"2019-07-11T22:44:22.000Z","state":"UT","company_public_response":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["If I signed this contract and provided my social <em>security</em> number, than the burden of proof lies with them. For this <em>reason</em> alone they <em>should</em> drop the matter and remove all derogatory marks from my credit reports. They <em>should</em> take a serious look at their lazy tactics as well. Call, email or mail someone you're trying to collect a debt from. Hurting their credit until they pay is <em>more</em> along the lines of extortion than it is an honest attempt to collect a debt, whether a legitimate debt or not."]},"sort":[16.302523,"3303679"]},{"_index":"complaint-public-v1","_id":"12912871","_score":15.015669,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have worked in the financial services industry for over 25 years, with over five years at JP Morgan Chase. While I highly respect the ethical leadership at the bank, my recent experience as a customer reveals some shocking security gaps in their banking systems that should give regulators cause for concern as well.\n\nDuring a routine review of my transactions, I noticed an unexpected {$2000.00} deposit into my checking account. When I looked into the details of the deposit, it was a check written to a completely different party ( LLC/business instead of an individual ) and there was no good reason the check should have shown up in my account. \n\nFearing fraud, I called the bank to investigate. The check in question belonged to another customer of Chase whose account number ( XXXX digits ) varied from mine by just XXXX digit. When they deposited the check, they didn't clearly fill out the account number on the deposit slip and because it looks a lot like my account number, the money was deposited into my account by accident. \n\nPlease note that the name & routing number did not match my account, and they did not even come close. Chase did not catch this error until I called to have the issue corrected. When I asked about the root cause, I was basically told that as long as the account number matches, Chase will process the transaction even if the other details like name and routing number do not match. I expect a lot more from the banking industry, especially a leader like Chase to protect their customers against accidental or deliberate fraud attempts. In this case, the impacted customer did not get {$2000.00} deposited to their account for several days & wouldn't have if I did not catch it. \n\nI have screen shots of the check and deposit slips that I will upload if allowed, or am happy to share via other secure means. My reason behind this complaint is to get banks to take security a lot more seriously : it is no longer OK to process bank accounts like they did XXXX years ago in the age of checks.","date_sent_to_company":"2025-04-10T12:00:20.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"33624","tags":null,"has_narrative":true,"complaint_id":"12912871","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-04-10T10:15:09.000Z","state":"FL","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["My <em>reason</em> behind this complaint is to get banks to take <em>security</em> a lot <em>more</em> seriously : it is no longer OK to process bank accounts like they did XXXX years ago in the age of checks."]},"sort":[15.015669,"12912871"]},{"_index":"complaint-public-v1","_id":"7253331","_score":14.849298,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I opened an Allegiant Allways credit card last month through Bank of America and was charged a {$59.00} fee which I paid. The second day after using the card for several XXXX purchases, one of the orders was declined and they put a freeze on the card. I called them and they said the card was placed on a security alert, and to use the card, make any changes, or cancel it, I must physically go to one of their offices to answer more security questions and provide 2 forms of identification. The problem is that there are no offices in the state of Wisconsin where I live. I questioned them about why they froze the card and they could not find any reason as it was not an unusual purchase with XXXX. The same day they approved a couple orders with XXXX for a similar amount. I opened the account with the intent off accruing {$1000.00} of charges to attain the bonus points which would have given me a free flight on Allegiant which would have justified the price of the card. Since this is not possible because I can not use the card, I expect a {$59.00} refund. It is unreasonable to require me to physically appear at their office to even close the card. I am concerned about my credit rating which has always been over XXXX because I cant even close it before the next renewal fee. They should either unlock my card or issue me a refund.","date_sent_to_company":"2023-07-14T20:44:37.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"54914","tags":null,"has_narrative":true,"complaint_id":"7253331","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-07-14T20:17:32.000Z","state":"WI","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":["I called them and they said the card was placed on a <em>security</em> alert, and to use the card, make any changes, or cancel it, I must physically go to one of their offices to answer <em>more</em> <em>security</em> questions and provide 2 forms of identification. The problem is that there are no offices in the state of Wisconsin where I live. I questioned them about why they froze the card and they could not find any <em>reason</em> as it was not an unusual purchase with XXXX."]},"sort":[14.849298,"7253331"]},{"_index":"complaint-public-v1","_id":"1548329","_score":14.758461,"_source":{"product":"Mortgage","complaint_what_happened":"I do n't understand how CFPB can allow a service lending organization ( Ocwen ) can modified a loan for five years at a low interest rate and then revert back to the original high interest of 10.37 %. I was denied another modification because I now receive social security. It does n't appear that Ocwen did anything wrong but it is so unfair that this country allows this type of predatory lending. I am not behind in my payments and am able to pay on time. That is all the more reason I should be able to keep my low interest rate. I have rehab loans on my property which means the government has to subordinate. Also, my loan has been sold so many times I do n't even know who owns it now. Shame on USA for taking advantage of poor people.","date_sent_to_company":"2015-09-04T12:17:14.000Z","issue":"Application, originator, mortgage broker","sub_product":"Conventional fixed mortgage","zip_code":"21037","tags":"Older American","has_narrative":true,"complaint_id":"1548329","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2015-09-02T15:34:45.000Z","state":"MD","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I was denied another modification because I now receive social <em>security</em>. It does n't appear that Ocwen did anything wrong but it is so unfair that this country allows this type of predatory lending. I am not behind in my payments and am able to pay on time. That is all the <em>more</em> <em>reason</em> I <em>should</em> be able to keep my low interest rate. I have rehab loans on my property which means the government has to subordinate. Also, my loan has been sold so many times I do n't <em>even</em> know who owns it now."]},"sort":[14.758461,"1548329"]},{"_index":"complaint-public-v1","_id":"7185630","_score":14.7376585,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I applied for the Destiny credit card issued by First Electronic Bank and provided the documentation they requested to verify my identity, when I called to ask about the application status. I received another request over the phone to supply a utility bill for identification, even though there was no written request for this information, had I not called I would have not known about this missing information. The process took more than two weeks. \n\nI then received an email on XX/XX/XXXX letting me know that my application was denied, because \" Unable to contact you per alert on your credit report. '' They called ONCE, and I missed the call, and they made no further efforts to contact me again, or to leave a voicemail so that I was aware they were trying reach me, and I was unaware what number they would be calling from as well. I had also called them multiple times to verify my information, from the number listed on my fraud alert. \n\nThis organization is not following the law and complying with fraud alerts adequately. A fraud alert is a security measure consumers can take to protect their personal information, requiring proper verification of credit inquiries. These inquiries should be properly handled so that fraud alerts can protect both banks and consumers, and should not be used as a reason to deny applications or discriminate against these applications that require lawful measures of security and protection.","date_sent_to_company":"2023-07-01T15:59:05.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"7185630","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CLGF Holdco 1, LLC","date_received":"2023-07-01T15:32:08.000Z","state":"CA","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["A fraud alert is a <em>security</em> measure consumers can take to protect their personal information, requiring proper verification of credit inquiries. These inquiries <em>should</em> be properly handled so that fraud alerts can protect both banks and consumers, and <em>should</em> not be used as a <em>reason</em> to deny applications or discriminate against these applications that require lawful measures of <em>security</em> and protection."]},"sort":[14.7376585,"7185630"]},{"_index":"complaint-public-v1","_id":"18272029","_score":14.657739,"_source":{"product":"Checking or savings account","complaint_what_happened":"M & T teller flat out refused to look at my and my husbands IDs when depositing a check made to both of us into my personal bank account. My husband does not, nor has ever, had an account with M & T. Prior to refusing to check our IDs, the teller told me I shouldve gone to the atm to not waste her time ( the check gets denied at ATMs for security purposes, which she should know ). When I asked why she didnt confirm our identity given the check was going into an account my husband does not have access to, she started screaming at me that she knows her job repeatedly. I then asked for the bank managers information because this is not the first time they have disregarded security measures and she refused to give me any information on whom I could talk to, didnt even say I can call customer support. The teller was highly unprofessional which made the violation even more worrisome. M & T allows tellers to act inappropriately which will inevitably cause errors down XXXX XXXX. I am not comfortable banking with them now and do not recommend others go to the XXXX XXXX XXXX. They have a XXXX rating for a reason. \n\nMy issue did not result in any problems for me personally, but this is a blatant violation that could cause someone serious problems down XXXX XXXX and therefore should be addressed before a customer gets screwed over.","date_sent_to_company":"2025-12-24T13:34:20.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"21811","tags":null,"has_narrative":true,"complaint_id":"18272029","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"M&T BANK CORPORATION","date_received":"2025-12-24T13:19:54.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["I then asked for the bank managers information because this is not the first time they have disregarded <em>security</em> measures and she refused to give me any information on whom I could talk to, didnt <em>even</em> say I can call customer support. The teller was highly unprofessional which made the violation <em>even</em> <em>more</em> worrisome. M & T allows tellers to act inappropriately which will inevitably cause errors down XXXX XXXX."]},"sort":[14.657739,"18272029"]},{"_index":"complaint-public-v1","_id":"6117033","_score":14.547136,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am contacting you about XXXX and Citibank which I contacted today XX/XX/22 and I contacted XXXX XXXX  daily for the past 10 days. Both banks, and indeed many banks today can not deal with some one who does not have a mobile phone. They have one way to verify me and that is through a mobile or cell phone number. I feel this is discriminatory towards people without cell phones for whatever reason. I have no interest in having a cell phone but many older people do not have any idea how to use a cell phone for more than a call even if they do have one. In addition in states other than my own which gives free cell phones out to lower income people, there are many who can not afford a cell phone. \nI have been barred from my online account at XXXX over and over and have a limit of {$500.00} per day for 10 days now to use my account. Citibank will not issue me a debit card as they can not verify me. \nI think that all businesses should have more than one way to verify someone. I have spent at least 30 hours on the phone with this issue in the past XXXX weeks. I am required to walk into the bank in person. I am not a shady person but I am trying to have all the rights of a person with a cell phone. I think there should be a second way to verify customers. I also would like to complain about another issue and that is that one can not have a debit card and separate ATM card any longer. I have been told it is for security reasons but this decision is anti security. A debit card is not at all secure. Anyone can take my debit card into any number of retail places where you can use it for up to {$100.00} with no one asking for a pin or looking at the back of your card to verify you. An ATM card is very secure as someone needs to know my pin to use it. Therefor e I feel secure carrying around an ATM card at all times in case of need but I do not feel secure carrying around a combo card that has an insecure debit card attached to it. Why did someone make that decision that these two should be combined thereby decreasing the security of my accounts.","date_sent_to_company":"2022-10-22T20:16:13.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"90066","tags":"Older American","has_narrative":true,"complaint_id":"6117033","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2022-10-22T20:00:45.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["Why did someone make that decision that these two <em>should</em> be combined thereby decreasing the <em>security</em> of my accounts."]},"sort":[14.547136,"6117033"]},{"_index":"complaint-public-v1","_id":"8804317","_score":14.463805,"_source":{"product":"Checking or savings account","complaint_what_happened":"I contacted them on XX/XX/XXXX asking them to reverse a charge for a concert that I paid for but was unable to attend. It was a charge for the XXXX XXXX  for {$72.00} they provided me with a link to dispute a charge. I clicked on the link and started the dispute process and then they were asked me for my social security number is irrelevant I've never given them my social security number on this account they don't have it stored anywhere It literally has no bearing on the dispute or the transaction The company that I bought the concert tickets from doesn't have my social security number cuz absolutely zero reason why they need my social security number and now they refuse to even engage me in conversation unless I fill out that form every time I try to tell them that I don't see the reason why I need to provide that information and ask them why they need that they say they have no more information on the subject and that they're going to consider this matter closed in end of the chat on every single time so they're refusing to uphold there obligation to protect me from the authorized charges or charges that shouldn't be on there. Because they're responsibility to protect me as a consumer using their banking services is not dependents on me giving them my social security number If they didn't want to provide protection they shouldn't let me use their services without social security number then but they do they've never given it to them so I don't like giving that out because I've been the victim of identity that before and I'm not going to give it out too many data breaches out there for me just be giving my social security number willy nilly to any company to ask for it for no reason there's no reason because they can not verify my identity via social security number because they don't have my social security number on file so all they need to do is look at the transaction and the dispute see if I went to the concert or not look up the order number which I have provided them see that that matches because the only thing they need to do is refund me they don't need to do anything else it's absolutely ridiculous. Makes me very very wary of using their services at all if they're being so obtuse and so pushy about me giving them social security number they don't need it all. Charges for a concert that was not able to attend I paid for the tickets and I could not make it to the concert due to unforeseen events out of my side of my control so I need them to reverse the charges and since the concert ticket company won't refund me because all ticket sales are final or whatever which I didn't know now I need my bank the bank I was using should be cash app to do it for me and they refuse to do it without that information that they don't need so I think that's not acceptable I use them for hundreds of thousands of transactions throughout the year so there's no reason why I should have to provide that information when they have no problem charging me a percentage anytime I receive money from them for me money one or two percent of whatever money I receive so they have no problem taking my money when I get money they don't make sure to verify my social security number at that point it's only when I want them to do actually some work on my behalf that day now all of a sudden need my social security number and all so they're nonsense so I need that rectified. I asked to speak to the supervisor and they said they have no more information for me close the chat three times very weird unprofessional unhelpful bad business practices for sure","date_sent_to_company":"2024-04-19T01:19:04.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Other banking product or service","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"8804317","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2024-04-19T01:02:16.000Z","state":"OR","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I clicked on the link and started the dispute process and then they were asked me for my social <em>security</em> number is irrelevant I've never given them my social <em>security</em> number on this account they don't have it stored anywhere It literally has no bearing on the dispute or the transaction The company that I bought the concert tickets from doesn't have my social <em>security</em> number cuz absolutely zero <em>reason</em> why they need my social <em>security</em> number and now they refuse to <em>even</em> engage me in conversation unless"]},"sort":[14.463805,"8804317"]},{"_index":"complaint-public-v1","_id":"12266098","_score":14.405275,"_source":{"product":"Checking or savings account","complaint_what_happened":"I walked into the onsite KeyBank in XXXX Massachusetts XX/XX/year> at XXXX XXXX. to withdraw {$4000.00}. I went through the verification process twice. The teller started counting my money. the branch manager started asked where I was getting the money, what I was going to do with it, and where I worked.\n\nI told them that I wouldn't provide that information, that it was none of there business. They said for being rude and they refused to let me withdraw it.\n\nI went to the attached ATM to withdraw the money and was told that I was exceeding my card limit. At this point I called to have the limit increased to {$8000.00} which I was told they did. The amount on the atm and my avalable amount to withdrawal was immediately lowered to XXXX by the branch staff. I am now being humiliated and abused with my own money. \n\nI went to XXXX XXXX through. I was told they couldn't process my request, because it was over XXXX XXXX The first person told that, that day, im sureXXXX  I turned to my daughter and said that it was XXXX ridiculous that I couldn't cash a paycheck. \n\nThen I went back inside where I was denied again because I had refused to answer their questions and had cursed, though it wasn't even directed at them or in the build. It was in my own car in a private conversation with my daughter. \n\nThey refused to let me withdraw money without a legitimate reason. \n\nI called to complain. They said they couldn't do anything. \n\nI had no money to visit my family. \nNo money to looks at cars with my son. \nNo money for thanks giving dinner. \nNo money to sent people shoping to get deals. \nI got more pain and my anxiety disorder is going wild. \nCalled back today. My limit is now decreased to XXXX XXXX My family and I have been bullied, humiliated, XXXX  with my own money. Denied financial stability from my own money. XXXX and XXXX XXXX  out the window. And they are still messing with me, my family, and my finaces.. because they didn't like they answer to questions they should not have asked in the first place. \n\n\nEvery federal and private security training, that most of the work force gets, is about restricting information. We are told The individual is responsible for their privacy. \n\nA lobby open to the public, where I already provided enough info to identify my account, is not the best place to go over more personal and finachal info. I would not do it at XXXX. I wouldn't do it in any lobby, that is open to the public. It ignores almost every basic security principle. Cant verify. Cant maintain it. Cant keep it private. XXXX keep it honest. No training says protect your data in areas accasable to the public, except the key bank lobby. It is educated, but suspicious, to not do it. Even on the bank web site, it says to protect your data. \n\nA ged and a name tag is not a finachal advisor or security expert. It is a bad system. \n\nI understand needing to fill out a withdrawal slip with a check box... employment, personal, other. As ; the info would be optional, but still allow the option of visibility. \n\nI was denied the use of my own property, because i wouldn't tell somone how I was going to spend it? They said they denied me because saying \" I wasn't going to answer '' was rude... with No other reason? Even if suspect, suspect of what? Spening my money frivolousley? \n\nCurrently, They changed my atm limit down to XXXXXXXX XXXX and have no record of who did it. No notice, consent, permission, or awarness.They can't manage the data they have and they want more? I am for sure going to try to sue for damages. I was abused with my own money, with out a liget reason. \n\nAs you defend your clients that are getting scammed by bad actors, just please be be aware, the issue can be solved with the loss of inalienable rights. \n\nI only needed a two numbers to transfer almost XXXX XXXX. No verification and no reason. XXXX have a optional feature that checks your transfers agenst insured institutions to make the transfers them selves insured. \n\nThere are a XXXX better ways to protect people without interference of there rights and securities. \n\nI should be able to access my property and use it, as long as it's for legal reasons. They continue to abuse me and my account.","date_sent_to_company":"2025-02-27T13:36:35.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"01420","tags":null,"has_narrative":true,"complaint_id":"12266098","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"KEYCORP","date_received":"2025-02-27T13:27:22.000Z","state":"MA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["No verification and no <em>reason</em>. XXXX have a optional feature that checks your transfers agenst insured institutions to make the transfers them selves insured. \n\nThere are a XXXX better ways to protect people without interference of there rights and <em>securities</em>. \n\nI <em>should</em> be able to access my property and use it, as long as it's for legal <em>reasons</em>. They continue to abuse me and my account."]},"sort":[14.405275,"12266098"]},{"_index":"complaint-public-v1","_id":"11499161","_score":14.399745,"_source":{"product":"Debt collection","complaint_what_happened":"The lawyers Gordon , Aylworth & Tami , P.C . have been harassing me for years, threatening to garnish my wages and social security on a debt that should have been paid off after all the {$2600.00} in payments I've made as the original credit card debt was no more than {$700.00}. The reason it got so much higher, is that I reached out to them in XXXX of XXXX, because I had been evicted and was completely broke, but offered to pay {$50.00} per month until I got back on my feet. They obtained a debt garnishment from the Circuit of the State of Oregon, before even disagreeing with me on the lowered payments. I am a XXXX, working part-time and living on that work and my social security. I have had a bad financial year and stopped paying because I have OVERPAID THEM, and didn't bother to ask to have the debt relieved, as they are crooks. Yesterday, I received another garnishment notice against another judgment they filed against me, and they're asking for another {$820.00} or are threatening a garnishment of 75 % of my take-home wages, Social Security income , public assistance, unemployment, XXXX benefits, workers compensation benefits, and any other income, including household goods, furniture, vehicles, and more. I do not owe them ANYTHING FURTHER, but they continue to XXXX XXXX  for money, over, and over again. I just want this debt settled and to stop the harassing phone calls, threats, and legal documents. I am sickened that companies can operate in this manner.","date_sent_to_company":"2025-01-13T22:56:41.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"974XX","tags":"Older American","has_narrative":true,"complaint_id":"11499161","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Gordon, Aylworth & Tami, P.C.","date_received":"2025-01-13T22:21:54.000Z","state":"OR","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Collected or attempted to collect exempt funds"},"highlight":{"complaint_what_happened":["The lawyers Gordon , Aylworth & Tami , P.C . have been harassing me for years, threatening to garnish my wages and social <em>security</em> on a debt that <em>should</em> have been paid off after all the {$2600.00} in payments I've made as the original credit card debt was no <em>more</em> than {$700.00}. The <em>reason</em> it got so much higher, is that I reached out to them in XXXX of XXXX, because I had been evicted and was completely broke, but offered to pay {$50.00} per month until I got back on my feet."]},"sort":[14.399745,"11499161"]},{"_index":"complaint-public-v1","_id":"21480456","_score":14.374124,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/XXXX ( XXXXXXXX  ) I initiated a {$2000.00} transfer to XXXX XXXX which was immediately declined due to security concerns after properly linking my bank account information. I called to inquire why this transaction was declined and Marcus said it is in re-review that should take no more than a few days for the transfer to be initiated. Call lasted 19 minutes total. \n\nXX/XX/XXXX ( XXXX ) I called Marcus by Goldman Sachs and requested a written reason for why the transfer was declined. The first-line representative could not provide a sufficient response ( very vague answer about security reasons and mention of a bank that was not even involved in the transaction ), so I requested to elevate the inquiry to higher management. I was not immediately transferred to higher management, but the first line Customer Support Representative came back from a brief hold and confirmed that my money had not technically been in the account long enough to transfer to another account, despite being advertised as available to use and would be available for access immediately on the banks digital platform. I was transferred to a different department where I asked specifically why my {$2000.00} transaction was declined, and if I could get the reasoning in writing. They could not provide a firm reason ( or any statement in writing ) or point to a specific clause in the Deposit Account Agreement outlining the required duration for funds to be idle in the account prior to transfer to an external account. They just referenced that I review the Marcus by Goldman Sachs Deposit Account Agreement ( Effective XX/XX/XXXXXXXX  ). I requested to speak to a supervisor, XXXX, and she was unable to provide a sufficient answer as well. I mentioned that I would be closing the account and filing a complaint with the Consumer Finance Protection Bureau and I asked her to also submit a complaint on her end in addition to a request for more specific language pertaining to XXXX XXXX XXXX XXXX in the Deposit Account Agreement. Total time spent on this call with 3 different representatives was 50 minutes.","date_sent_to_company":"2026-04-22T13:59:29.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"20011","tags":null,"has_narrative":true,"complaint_id":"21480456","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2026-04-22T13:44:23.000Z","state":"DC","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["The first-line representative could not provide a sufficient response ( very vague answer about <em>security</em> <em>reasons</em> and mention of a bank that was not <em>even</em> involved in the transaction ), so I requested to elevate the inquiry to higher management."]},"sort":[14.374124,"21480456"]},{"_index":"complaint-public-v1","_id":"2466017","_score":14.364526,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I called Barclays card customer service to change my payment automatic payment method on  XXXX   XXXX    XXXX  . The reason I was changing my payment method was due to the fact my checking account was closed and changed to a different banking institution.     I was denied the ability to provide my payment information due to the fact of the tone of my voice. I feel appalled because I have a deeper voice then what the customer representative felt a  XXXX   XXXX   XXXX  female should sound like. I find this offensive and disrespectful.     I even asked for th e manager  who I spoke to  XXXX  and I was still denied. I verified all security questions and even additional security questions not normally asked.     -Last  4  social -Telephone number -Birth date -My husbands name I even offered my full social or mailing and property address.     This is very disrespectful especially when all I wanted to do was make sure the payment was paid on time. I am already having a hard time trying to make my payments and for them to make it more difficult for me is insane.     Being discriminated because I sound like a male? is that what this world has come to? what if I looked like a male in person or a female? Discrimination is a crime and I want this taken care of.     I was then asked to send in a copy of my ID and or utility bill to verify it was me. The funny thing is it was going to take  2 w eeks for them to verify me?     In my mind i was thinking how about my  XXXX  profile. Again Absurd I know however I am furious.     I want nothing to do with your company no longer. Especially since you are making it so difficult to make payments.     Charge off my balance!!! need I say more to discriminate someone by the sound of their voice is inhumane.","date_sent_to_company":"2017-04-25T16:13:38.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"93550","tags":null,"has_narrative":true,"complaint_id":"2466017","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2017-04-25T15:54:35.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["I <em>even</em> asked for th e manager  who I spoke to  XXXX  and I was still denied. I verified all <em>security</em> questions and <em>even</em> additional <em>security</em> questions not normally asked.     -Last  4  social -Telephone number -Birth date -My husbands name I <em>even</em> offered my full social or mailing and property address.     This is very disrespectful especially when all I wanted to do was make sure the payment was paid on time."]},"sort":[14.364526,"2466017"]},{"_index":"complaint-public-v1","_id":"4067719","_score":14.274198,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I Received a letter of declamation on XX/XX/2021. The declination was from First Bankcard which is fFirst National Bank of Omaha stating they were unable to approve my credit card request and the reason for their denial was identifying information does not verify. I telephoned the bank to inquire with a credit analyst what particular information were they unable to very and was advised that the credit bureau did not have the date my Social Security number was issued. My spouse has been an XXXX  of major XXXX  for over 25 years and stated hes never witnessed such a decline especially since no attempt was made with me from them to obtain any verification. By the way, the date is printed on my Social Security Card. I feel if my name wasnt XXXX XXXX XXXX XXXX, maybe a little more effort would have gone into their review. Other banks have asked for my drivers license, income verification, and even my Social Security Card ... .. Im not in banking but to decline a potential customer, human being, a real person without a blink of an eye for such a pathetic denial reason, they should of just said they dont approve XXXX. My credit score is XXXX as youll see on the documentation attached. The analyst advised I contact XXXX  so my issue date could be added to my number. The representative at XXXX  had no idea what I was talking about. First Bankcard refused to re-evaluate their decision and advised I re-apply. That makes 0 sense. She also advised that my application was strong and re-applying was all she could say. Also please note, I called as soon as I received their letter. Mail is running 20-25 days here in state.","date_sent_to_company":"2021-01-13T07:22:30.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"086XX","tags":null,"has_narrative":true,"complaint_id":"4067719","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST NATIONAL BANK OF OMAHA","date_received":"2021-01-13T06:28:45.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["By the way, the date is printed on my Social <em>Security</em> Card. I feel if my name wasnt XXXX XXXX XXXX XXXX, maybe a little <em>more</em> effort would have gone into their review. Other banks have asked for my drivers license, income verification, and <em>even</em> my Social <em>Security</em> Card ... .. Im not in banking but to decline a potential customer, human being, a real person without a blink of an eye for such a pathetic denial <em>reason</em>, they <em>should</em> of just said they dont approve XXXX."]},"sort":[14.274198,"4067719"]},{"_index":"complaint-public-v1","_id":"3308750","_score":14.174022,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/2019 I applied for a Lowe 's Credit card which is issued by Synchrony Bank. I applied through my mobile phone while in the store. I received a message that I needed to contact Synchrony Bank and was provided a phone number. I called as was ask a few questions which were mainly identifying questions and was told that they would mail me out a reply within the next few days. \n\nI received a letter dated XX/XX/2019, which stated that they had \" checked credit bureau information and other data sources to verify information on your application. We checked the following items of information : Social security number Phone Address Unfortunately, based on results of these checks, we are unable to confirm your identity with enough confidence to approve your application at this time. '' The letter suggested I contact XXXX since that was the agency they used. I went to the XXXX website and pulled my credit report. I then called XXXX. After going through the identification process with XXXX, which they were able to confidently identify me, I asked them if they could see anything on my report that would give a lender a reason to not be able to properly identify me. They said they did not and that I should contact the lender. I called Synchrony Bank and the first person could not even see in their system a reason for the decline. I asked for a supervisor who would not even look up my application just stated the same thing as the letter. \n\nI questioned the supervisor how they knew enough from the application and their research that I was the applicant if they could not confirm my identity. She stated that they were able to get enough information to know it was me, but not enough to \" confirm my identity for approval of the application ''. This made no sense to me. She would not tell me anything more. \n\nWhen I called bank the only way they could find me in the system was through my name, address and last four digits of my social security number, which match identically to what is on my credit report. They had sent me a letter to the address on the application which I had received which means the address was correct. My name and social security number matched what I provided because they were able to pull a credit report. \n\nSo I now have a credit inquiry on my credit report from an institution who said they were not able to verify my identity. If that is the case I think they should remove the inquiry since they can not prove that was who applied. If they could verify that I was the applicant then what was the real reason I was declined?","date_sent_to_company":"2019-07-16T23:43:32.000Z","issue":"Getting a credit card","sub_product":"Store credit card","zip_code":"84414","tags":null,"has_narrative":true,"complaint_id":"3308750","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2019-07-16T22:35:58.000Z","state":"UT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["After going through the identification process with XXXX, which they were able to confidently identify me, I asked them if they could see anything on my report that would give a lender a <em>reason</em> to not be able to properly identify me. They said they did not and that I <em>should</em> contact the lender. I called Synchrony Bank and the first person could not <em>even</em> see in their system a <em>reason</em> for the decline."]},"sort":[14.174022,"3308750"]},{"_index":"complaint-public-v1","_id":"2670262","_score":14.075281,"_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":["As an IT <em>security</em> professional, this is gross negligence as such a breach <em>should</em> have been immediately reported to government institutions for protection and support of consumer data. \n\nEquifax ' poor response gets <em>even</em> worse as the new PIN numbers they are generating use a TIMESTAMP which can easily be brute-forced by attackers. \n\nWhat 's <em>more</em>, the website www.equifaxsecurity2017.com/, which Equifax created to notify people of the breach, is highly problematic for a variety of <em>reasons</em>."]},"sort":[14.075281,"2670262"]},{"_index":"complaint-public-v1","_id":"11876701","_score":14.007102,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"on XX/XX/year> I received notification from PayPal that I needed to upload various types of information for unknown reasons to prove my identity. I have been a customer and online seller using PayPal for over XXXX  years. I did upload to there portal my last years tax return for my business which matches all current business information they have. \nI received a reply that they need more information like my social security number in the form of an actual image of my social security card which I don't have. Since the business I operate is a partnership with my wife, my social security number has nothing to do with proving my identity. \nI have not used PayPal as a service since XX/XX/year> and after XXXX  days of an inactive account they should have released the remaining funds to my bank account on record, the same XXXX for XXXX  years. \nLast week I requested to close my account. They responded that I have to first prove my identity than they can close my account and will not release my funds of approximately {$2200.00} till then. \nI believe PayPal keeps customers in an endless loop of customer online XXXX to keep customers money till they give up. This is extremely poor customer service and must be illegal to withhold funds even when the customer wants to close their account.","date_sent_to_company":"2025-01-31T19:22:09.000Z","issue":"Trouble accessing funds in your mobile or digital wallet","sub_product":"Mobile or digital wallet","zip_code":"94941","tags":"Older American","has_narrative":true,"complaint_id":"11876701","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-01-31T18:36:24.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I received a reply that they need <em>more</em> information like my social <em>security</em> number in the form of an actual image of my social <em>security</em> card which I don't have. Since the business I operate is a partnership with my wife, my social <em>security</em> number has nothing to do with proving my identity. \nI have not used PayPal as a service since XX/XX/year> and after XXXX  days of an inactive account they <em>should</em> have released the remaining funds to my bank account on record, the same XXXX for XXXX  years."]},"sort":[14.007102,"11876701"]},{"_index":"complaint-public-v1","_id":"18682017","_score":13.966957,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have had numerous problems with direct express. I am a XXXX XXXX XXXX collecting XXXX and I rely solely on my social security check. Direct express has repeatedly denied purchases that I have made. To no fault of my own and now for no reason even though I have a valid card I have a valid account on the app and I received my bank statements to my address they are telling me I can not use my card until I send them an id. I sent them the ID and now they're telling me I have to wait XXXX to XXXX hours. I was about to buy food today is the last day of the month before I get my check and I was without food and they have taken food off my table more than once because of the same exact situation their customer service is horrible and they are fraudulent when they control other people 's money that they don't let them access it's a constant problem with this Bank. I do n't drive otherwise I would go to the social security department myself and change where my check goes. They should be put out of business end of story","date_sent_to_company":"2026-01-13T15:42:25.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"376XX","tags":"Older American","has_narrative":true,"complaint_id":"18682017","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Comerica","date_received":"2026-01-13T15:32:52.000Z","state":"TN","company_public_response":null,"sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["They <em>should</em> be put out of business end of story"]},"sort":[13.966957,"18682017"]},{"_index":"complaint-public-v1","_id":"2179522","_score":13.920244,"_source":{"product":"Credit card","complaint_what_happened":"Barclays took over my XXXX XXXX card with XXXX points XX/XX/XXXX. From the moment the account transferred over I have not been able to open an online account, set up autopay, see my charges or pay my bill because their entire system is based on your social security number, and for some reason it takes 3-5 business days for them to record it. What is disturbing is that mine does n't work because someone else is using my social security number on their account. It has been over 7 months and Barclay 's still has not resolved the issue. I even faxed them a copy of my social security card, at their request, but no one ever confirmed they got it, it is just lost in their company somewhere. Because of this I can not open an online account. I have to call to check my charges, and call in to make a payment, first I have to go through a series of transfers and holds, it takes 45 min - 1 hr, my identity is questioned ad nauseam, then they finally realize the situation and offer to update my social security number, but the problem is they are not actually able to do this, there is some kind of glitch in their system, and they also can not reassure me that the other person using my social security number has been stopped, in fact they can verify as of tonight that the person is still using it. I ask them to put a stop to it, they say it will take 3-5 business days, and that they will call me back, but it never gets fixed and they never call back. I have to call them and go through the whole process all over again, this has happened 15 times in the last 7 months and there is no end in sight. They even charge me late fees while acknowledging that I can not pay without calling and wasting an hour of my time. Once they charged me the late fee after informing me that I was 10 minutes late calling, because it was based on Eastern Standard Time, even though neither of us was on the east coast. I asked to talk to a manager and was told there was no higher supervisor available, I asked for security and was told that security did n't take phone calls, but then another time I called I was transferred to security even though I did n't ask for it. One of the many managers I spoke to said the only thing I could do was write a letter to their headquarters through snail mail. There is more but I will stop here. At this point I am just going to pay it off and close the account. Their customer service is horrible and their lack of security and execution of tasks is downright frightening. They simply do n't know what they are doing and can not be trusted with money. They should be shut down before they do serious damage.","date_sent_to_company":"2016-10-26T04:26:42.000Z","issue":"Credit card protection / Debt protection","sub_product":null,"zip_code":"80205","tags":null,"has_narrative":true,"complaint_id":"2179522","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2016-10-26T04:26:41.000Z","state":"CO","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 asked to talk to a manager and was told there was no higher supervisor available, I asked for <em>security</em> and was told that <em>security</em> did n't take phone calls, but then another time I called I was transferred to <em>security</em> <em>even</em> though I did n't ask for it. One of the many managers I spoke to said the only thing I could do was write a letter to their headquarters through snail mail. There is <em>more</em> but I will stop here. At this point I am just going to pay it off and close the account."]},"sort":[13.920244,"2179522"]},{"_index":"complaint-public-v1","_id":"2341571","_score":13.908047,"_source":{"product":"Consumer Loan","complaint_what_happened":"lease matured XX/XX/XXXX, had been contacted by dealer prior to and we advised we were in process of buying out. We did not know they do n't inform Hyundai Motor Finance ( HMF ). We got approved for loan through our bank, got insurance binder on XX/XX/XXXX and HMF finally sent payoff statement to bank on XX/XX/XXXX ( after much back and forth ). Included in statement was a security deposit authorization that needed to be signed by a dealer. Dealer refused to sign until they learned more about it as they had never seen it before. Constant back and forth with dealer produced no results or information- they are still waiting to learn about authorization. During this process, car was repossessed. Daily calls with HMF are debilitating as I receive no help. One person said that since security deposit was only {$1.00} and something so small should not be giving me so much trouble, they would send me new pay off letter without security deposit of {$1.00} and increase the pay off amount by {$1.00}. However, that paperwork was stopped by the reinstatement department. I am still trying to get in touch with people to get help. I have no car, our credit will take a huge hit, even though we have documented proof of a good faith effort in trying to obtain a loan to buy out the vehicle and the only reason why this was held up is because of the security deposit authorization and the dealer refusing to sign same.","date_sent_to_company":"2017-02-16T18:12:16.000Z","issue":"Managing the loan or lease","sub_product":"Vehicle lease","zip_code":"11758","tags":null,"has_narrative":true,"complaint_id":"2341571","timely":"Yes","company_response":"Closed","submitted_via":"Web","company":"HYUNDAI CAPITAL AMERICA","date_received":"2017-02-13T19:59:41.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I have no car, our credit will take a huge hit, <em>even</em> though we have documented proof of a good faith effort in trying to obtain a loan to buy out the vehicle and the only <em>reason</em> why this was held up is because of the <em>security</em> deposit authorization and the dealer refusing to sign same."]},"sort":[13.908047,"2341571"]},{"_index":"complaint-public-v1","_id":"9776162","_score":13.885586,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Ever since the use a cash app has been available it has been a complete scam. All the consumers monies pooled into one account? The monies that have been deposited by that myself has not been available as well as the debit cards have been stolen and cloned. And this is on more than one account with cash app. The accounts have been linked to XXXX XXXX XXXX and banking institutions since XXXX. The amount of monies lost is undetermined nor unmeasurable due to the time lost and events unfolding still today as we speak. Being an investor once with XXXX XXXX accounts were suddenly closed for no reason given. XXXX XXXX XXXX passed thru XXXX XXXX  and account was closed 10 minutes after the transaction with the reason \" security risk '' with no following communication by the company. All these companies are tied together and have been sticking it to the consumer this entire time and brushing off the warnings and or reports by the consumer. How does a company pool consumers money together? Is this even legal? This is not my first complaint and have received plenty harassment from doing so. The accounts will show the problems as well as having 32 devices logged into one account since XXXX and the disconnect just this year at the begining. The communication is a joke with Cash App and why should the consumer have to uninstall the app then reinstall, doesnt that erase all the data saved? Owner of more than one account with cash app ... XXXX was comprimized via email and can not access email to get any responses ... $ weetemotionz and $ XXXX are two of the accounts with cash app .....","date_sent_to_company":"2024-08-12T16:27:28.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"89103","tags":"Servicemember","has_narrative":true,"complaint_id":"9776162","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2024-08-12T16:02:25.000Z","state":"NV","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX passed thru XXXX XXXX  and account was closed 10 minutes after the transaction with the <em>reason</em> \" <em>security</em> risk '' with no following communication by the company. All these companies are tied together and have been sticking it to the consumer this entire time and brushing off the warnings and or reports by the consumer. How does a company pool consumers money together? Is this <em>even</em> legal? This is not my first complaint and have received plenty harassment from doing so."]},"sort":[13.885586,"9776162"]},{"_index":"complaint-public-v1","_id":"2857992","_score":13.771853,"_source":{"product":"Debt collection","complaint_what_happened":"This is a complaint against XXXX XXXX card and take it home today. The original debt that was closed in 2013 was for {$3500.00}. I called to get a settlement for this account because Im trying to buy a home and this is a federal debt that had to be paid. When I called they told me because of interest and collection fees the debt is now {$8500.00} and that they only do settlements after XX/XX/XXXX because then everyone would call with settlement land from their tax money. They only way to pay the debt was in full the first so see I spoke with stated that even if I did a monthly payment of {$90.00} to pay off the debt I wouldnt pay it off in 100 years because the monthly interest is {$81.00} I was also told that I should ask my family for money if I wanted to pay off the debt. Then I was informed by the associate that they were a federally backed debt meaning even if it took them till I received Social Security eventually they would get their money so they had no reason to settle with me. Now because of this my family is losing out on an opportunity to buy a home and after 6 years of military service once more I get a slap in the face by the US government. My account number is XXXX my phone number isXXXX","date_sent_to_company":"2018-03-28T23:57:16.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"806XX","tags":"Servicemember","has_narrative":true,"complaint_id":"2857992","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Army and Air Force Exchange Service","date_received":"2018-03-28T23:36:55.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Then I was informed by the associate that they were a federally backed debt meaning <em>even</em> if it took them till I received Social <em>Security</em> eventually they would get their money so they had no <em>reason</em> to settle with me. Now because of this my family is losing out on an opportunity to buy a home and after 6 years of military service once <em>more</em> I get a slap in the face by the US government. 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