{"took":91,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":901,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10188842","_score":26.635529,"_source":{"product":"Credit card","complaint_what_happened":"First Progress XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SD XXXX and Secured Credit Card XXXX XXXX XXXX  XXXX XXXX, TN XXXX Account Number : XXXX I have not used this prepaid credit card since XX/XX/XXXX. Again, this is a prepaid credit card. I applied for this, in XXXX to help build my credit. I had to give them a {$200.00} deposit of my own money to open the card. I do not have this money back. I order to use the card ; you must have money on the card. Once you have used the {$200.00} you have put of your own money each month, can not use the card at all. This means you can not ever owe them money or have a balance. This is not a line of credit. I have had issues with this credit card company from the start. They are frauds and thieves. I have recorded a conversation calling to cancel this card. They kept charging me late fees and reporting me to the credit bureau for a prepaid credit card, I do not owe any money to and have recorded conversation of canceling the card. They even agreed to waive the late fees. Now they have the audacity to send me a bill for {$200.00} and {$120.00} of late fees for a card, I cancelled. Late fee 's rent waived, and for money I never spent, because it is a prepaid credit card. I can not use it if I do not have any money on the card to use. \nI do not owe these people anything. They owe me the {$200.00} deposit they collected when I opened tis card. Please provide an email address, so I can send the recorded conversations of my conversation with the credit card company. They had the audacity to report me to the credit bureau over this. I have no way of sending copies of my recorded conversation to the credit bureau 's. They need to correct this, with the credit bureau, refund my {$200.00} deposit, and remove the late fees. They are full of XXXX. I do not owe them XXXX!","date_sent_to_company":"2024-09-20T02:20:18.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"21213","tags":"Servicemember","has_narrative":true,"complaint_id":"10188842","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Synovus Bank","date_received":"2024-09-20T02:11:05.000Z","state":"MD","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["They owe me the {$200.00} deposit they collected when I opened tis <em>card</em>. Please provide an email address, so I can <em>send</em> the <em>recorded</em> <em>conversations</em> of my <em>conversation</em> with the <em>credit</em> <em>card</em> company. They had the audacity to report me to the <em>credit</em> bureau over this. I have no way of <em>sending</em> copies of my <em>recorded</em> <em>conversation</em> to the <em>credit</em> bureau 's. They need to correct this, with the <em>credit</em> bureau, refund my {$200.00} deposit, and remove the late fees. They are full of XXXX. I do not owe them XXXX!"],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[26.635529,"10188842"]},{"_index":"complaint-public-v1","_id":"6367541","_score":24.762108,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In response to previously closed complaint case number XXXX Wells Fargo card services has blatantly Falsified information in regards to a closed account being reported To the credit bureaus. \n\nThey claim that their customer service agent never mentioned or advise me to reach out to the credit lenders when I have a recorded audio and my mobile phone records to prove the time dates in lengths of this conversation. \n\nI will attach the highlighted parts of the Wells Fargo card services response and I have since reached out to Wells Fargo executive office regarding this matter I would like to make it plain that they have violated my consumer rights totally and below is attached the phone records and if you have a email that can receive audio files I will also send you the recorded conversation this should not be happening and I need your help.","date_sent_to_company":"2023-01-25T16:24:47.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30046","tags":null,"has_narrative":true,"complaint_id":"6367541","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-12-27T18:28:29.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["In response to previously closed complaint case number XXXX Wells Fargo <em>card</em> services has blatantly Falsified information in regards to a closed account being reported To the <em>credit</em> bureaus. \n\nThey claim that their customer service agent never mentioned or advise me to reach out to the <em>credit</em> lenders when I have a <em>recorded</em> audio and my mobile phone <em>records</em> to prove the time dates in lengths of this <em>conversation</em>."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"]},"sort":[24.762108,"6367541"]},{"_index":"complaint-public-v1","_id":"2319950","_score":24.646645,"_source":{"product":"Credit card","complaint_what_happened":"Regarding Complaint # XXXX Unresolved Capital One did not resolve my issues nor did they address all of the issues. There were at least three ( 3 ) different conversations with their non-English Speaking Fraud Dept and their response does not accurately address any of these conversations. They do not even address the lies told to me by their Fraud Dept nor does their response address the fact that their Fraud Dept stated in the conversation to me that the application process was not over and they did n't know why the card was send out. \n\nUnresolved 1 ) They did not void the application as requested and Capital One stating that it is not possible to do so is not true. They are dishonest ... .. just as their Fraud Dept was dishonest with me. \n2 ) They did not address the initial conversation with their customer service where they insisted that the card had been used prior to me receiving it. \n3 ) They did not address the initial conversation with their customer service where they told me the card could not be used. \n4 ) They did not address the initial conversation with their customer service where they accused me of not being who I said I was. \n5 ) They did not address the conversation with their customer service where they emphatically told me ( on their recorded line ) that the application process was not completed and they do n't know why the card was sent out. Per your Fraud Dept, there was not a completed account set up. So, this application can be voided. So, who is telling the truth, your Fraud Dept or you? \nCapital One has dinged my credit, accused me of fraud and now refuses to do what is right. \" VOID THE APPLICATION '' and let 's move on with life. \n\nXXXX XXXX XXXX","date_sent_to_company":"2017-01-31T20:11:10.000Z","issue":"Other","sub_product":null,"zip_code":"30263","tags":null,"has_narrative":true,"complaint_id":"2319950","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2017-01-31T20:11:10.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["address the <em>conversation</em> with their customer service where they emphatically told me ( on their <em>recorded</em> line ) that the application process was not completed and they do n't know why the <em>card</em> was sent out."],"product":["<em>Credit</em> <em>card</em>"]},"sort":[24.646645,"2319950"]},{"_index":"complaint-public-v1","_id":"4747278","_score":23.5528,"_source":{"product":"Checking or savings account","complaint_what_happened":"To whom it may concern : I spoke with a representative from the security center of HSBC bank on Saturday XX/XX/XXXX. This representative told me that they would expedite shipping of a lost or stolen credit card to overnight shipping. I informed this representative that I was prepared to pay the extra fee for overnight shipping, and they assured me that while it was a Saturday and overnight shipping may not be available until Sunday, the card would be expedited to overnight shipping. On XX/XX/XXXX, I spoke with a representative via the chat service on the HSBC app. This representative told me that they had no record of my Conversation on the previous day, which was highly concerning. I am happy to send you a record of this conversation if that is helpful. The next day, on XX/XX/XXXX, I spoke with another representative via HSBC chat online who also said that they had no record of this conversation that I had on Saturday. Both representatives informed me that overnight or expedited shipping are not some thing that the bank is able to accommodate and its not possible, in direct contradiction to what the representative I spoke with on Saturday shared with me. Based on these conversations my belief is that the representative I spoke to on Saturday both misled and lied to me, and perhaps failed to record our conversation or make note that my card has been lost or stolen. This causes another concern for a lost card being continually used after it has been lost and potentially stolen. I spoke with a representative on the phone again named XXXX XXXX XX/XX/XXXX. While XXXX was unwilling or unable to provide an employee ID she did provide her extension which is XXXX. XXXX was much more understanding than the other two representatives but also shared with me that overnight shipping is not an option and that I was misled or lied to by the original phone representative that I spoke with. The conversation was recorded as per HSBC policy as they shared with me when they call began, so this can be validated if you are able and willing to listen to the recording. The original representative that I spoke with and had the initial filing conversation began at XXXX on XX/XX/2021. \nFinally, and in a separate issue that has also been discussed with XXXX from HSBC, I have been in a back-and-forth conversation with both HSBC representatives and my personal legal team who have reviewed the policies of a special offer that I signed up for prior to opening a checking account at this bank. I never received the bonus cash incentive for opening a checking account despite meeting the qualifications as my attorneys have agreed on based on reading the disclosure surrounding the bonus opportunity. I have tried to avoid involving my attorneys on a formal level up until this point, but if this issue persists then I have no choice but to seek mediation with the bank due to their repeated miss information reported to consumers. An HSBC chat representative Informed me after several incidents of me reaching out seeking more information on this bonus that a claim has been filed and would be updated shortly. XXXX informed me that after months, I believe approximately 16 weeks and possibly more, no updates had been made to this claim. This leads me to believe that further negligence on the side of the bank has been committed. \n\nI am more than happy to provide documentation of chat conversations, and it is my understanding that HSBC has documented recordings of phone conversations. Between the two of these sources as well as my testimony, I hope that we are able to reach a resolution. If not, my attorney is prepared to continue pursuing action. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2021-09-22T06:57:15.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"28209","tags":null,"has_narrative":true,"complaint_id":"4747278","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HSBC NORTH AMERICA HOLDINGS INC.","date_received":"2021-09-22T06:42:56.000Z","state":"NC","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["This representative told me that they had no <em>record</em> of my <em>Conversation</em> on the previous day, which was highly concerning. I am happy to <em>send</em> you a <em>record</em> of this <em>conversation</em> if that is helpful. The next day, on XX/XX/XXXX, I spoke with another representative via HSBC chat online who also said that they had no <em>record</em> of this <em>conversation</em> that I had on Saturday."]},"sort":[23.5528,"4747278"]},{"_index":"complaint-public-v1","_id":"10761846","_score":23.339264,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My credit report was pulled for a mortgage, the bank informed me of this charge off. I have a recorded conversation with a representative from the card company saying my SS is not associated with an account. When I called the next day, the card company said they have to send it to the fraud company subsequently whatever they did it dropped my credit score XXXX points. How do you update a charge off on an account","date_sent_to_company":"2024-11-11T13:28:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"44087","tags":null,"has_narrative":true,"complaint_id":"10761846","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Prosper Marketplace, Inc.","date_received":"2024-11-11T13:19:21.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["My <em>credit</em> report was pulled for a mortgage, the bank informed me of this charge off. I have a <em>recorded</em> <em>conversation</em> with a representative from the <em>card</em> company saying my SS is not associated with an account. When I called the next day, the <em>card</em> company said they have to <em>send</em> it to the fraud company subsequently whatever they did it dropped my <em>credit</em> score XXXX points. How do you update a charge off on an account"],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[23.339264,"10761846"]},{"_index":"complaint-public-v1","_id":"1888447","_score":23.169928,"_source":{"product":"Credit card","complaint_what_happened":"Wells Fargo bank refused me credit card XXXX. \n\nI have credit line for over XXXX $ using only XXXX-XXXX % of revolving at any time with several other banks.I have perfect repayments record. I felt odd when the conversation happened where they asked me to send a copy of my XXXX.","date_sent_to_company":"2016-04-20T16:20:38.000Z","issue":"Arbitration","sub_product":null,"zip_code":"20877","tags":null,"has_narrative":true,"complaint_id":"1888447","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2016-04-20T16:20:37.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Wells Fargo bank refused me <em>credit</em> <em>card</em> XXXX. \n\nI have <em>credit</em> line for over XXXX $ using only XXXX-XXXX % of revolving at any time with several other banks.I have perfect repayments <em>record</em>. I felt odd when the <em>conversation</em> happened where they asked me to <em>send</em> a copy of my XXXX."],"product":["<em>Credit</em> <em>card</em>"]},"sort":[23.169928,"1888447"]},{"_index":"complaint-public-v1","_id":"3056076","_score":23.02547,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I called the Target Card Services department XXXX approximately 30 days ago in regards to getting a credit reporting issue resolved over the phone. I was told that they would work to resolve my issue and contact me by mail. This past week on XX/XX/XXXX at approximately XXXX ET, I called to see what the status of my issue was ; after reviewing my  account the customer service agent told me to send a letter to them explaining my request. After explaining to the rep that I had this conversation 30 days prior with an other agent and was told something completely different ; I asked him if he could see the notes on my account with that prior discussion. He told me \" that there was no record of that conversation on the account \".","date_sent_to_company":"2018-10-25T07:09:12.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Store credit card","zip_code":"076XX","tags":null,"has_narrative":true,"complaint_id":"3056076","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2018-10-25T02:25:38.000Z","state":"NJ","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["I called the Target <em>Card</em> Services department XXXX approximately 30 days ago in regards to getting a <em>credit</em> reporting issue resolved over the phone. I was told that they would work to resolve my issue and contact me by mail. This past week on XX/XX/XXXX at approximately XXXX ET, I called to see what the status of my issue was ; after reviewing my  account the customer service agent told me to <em>send</em> a letter to them explaining my request."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["Store <em>credit</em> <em>card</em>"]},"sort":[23.02547,"3056076"]},{"_index":"complaint-public-v1","_id":"6286689","_score":22.904562,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Wells Fargo Credit Card Services Failed to send The requested original signature of the delinquent account they are abusively reporting to the major credit companies as requested. neither has the credit bureaus responded to any dispute letters. \n\nThe Customer service agent XXXX has said there was no record of this account AFTER speaking with the wells fargo advocacy team. \n\nHere is the recorded conversation proving they have violated all of my rights as a customer. \n\nPlease have them delete this debt for failing to provide the original signature.","date_sent_to_company":"2022-12-07T00:54:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30046","tags":null,"has_narrative":true,"complaint_id":"6286689","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-12-07T00:35:52.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Wells Fargo <em>Credit</em> <em>Card</em> Services Failed to <em>send</em> The requested original signature of the delinquent account they are abusively reporting to the major <em>credit</em> companies as requested. neither has the <em>credit</em> bureaus responded to any dispute letters. \n\nThe Customer service agent XXXX has said there was no <em>record</em> of this account AFTER speaking with the wells fargo advocacy team. \n\nHere is the <em>recorded</em> <em>conversation</em> proving they have violated all of my rights as a customer."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[22.904562,"6286689"]},{"_index":"complaint-public-v1","_id":"2717991","_score":22.706383,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"My complaint is regarding my SunTrust credit card. They will not refund me the money from transactions with XXXX ( since XXXX issued a partial refund, SunTrust has washed their hands of the \" investigation '' ). I have tried to resolve my dispute with XXXX, but XXXX is not responding to my complaint that I made with the Better Business Bureau. XXXX issued a partial refund. My credit card company, SunTrust, \" investigated '' my disputed amount and will not remove the charges. \n\nI have XXXX recorded stating the price. Please listen to the call with XXXX which is recorded below ( Sorry that I had to send a link to a video of the conversation, I did not  have conversation recording software on my phone at that time ) : XXXX XXXX XXXX XXXX My SunTrust credit card should protect me from these dishonest practices, but they will not. SunTrust 's \" investigator '' did not even contact me regarding this. I spoke to a supervisor at SunTrust who indicated that, SunTrust will not help me any further. That is one of the main reasons to use a credit card, protection during purchases.","date_sent_to_company":"2017-11-01T16:29:32.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"30022","tags":null,"has_narrative":true,"complaint_id":"2717991","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SUNTRUST BANKS, INC.","date_received":"2017-11-01T16:10:57.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I have XXXX <em>recorded</em> stating the price. Please listen to the call with XXXX which is <em>recorded</em> below ( Sorry that I had to <em>send</em> a link to a video of the <em>conversation</em>, I did not  have <em>conversation</em> recording software on my phone at that time ) : XXXX XXXX XXXX XXXX My SunTrust <em>credit</em> <em>card</em> should protect me from these dishonest practices, but they will not. SunTrust 's \" investigator '' did not even contact me regarding this."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a dispute about a purchase on your statement"]},"sort":[22.706383,"2717991"]},{"_index":"complaint-public-v1","_id":"14679988","_score":21.462141,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have made payments on my credit card with XXXX XXXX  time through auto pay for years. For some reason auto pay was taken off. i spoke to customer service and the manage about this situation Ive had multiple conversations on a recorded line with them walking me through setting up auto pay. They told me they will review the call and call me back. i had to reach out again 2 weeks later and they told me they review it but cant send me proof and the late payment stands","date_sent_to_company":"2025-07-16T22:45:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"06451","tags":null,"has_narrative":true,"complaint_id":"14679988","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-16T22:45:07.000Z","state":"CT","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I have made payments on my <em>credit</em> <em>card</em> with XXXX XXXX  time through auto pay for years. For some reason auto pay was taken off. i spoke to customer service and the manage about this situation Ive had multiple <em>conversations</em> on a <em>recorded</em> line with them walking me through setting up auto pay. They told me they will review the call and call me back. i had to reach out again 2 weeks later and they told me they review it but cant <em>send</em> me proof and the late payment stands"],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[21.462141,"14679988"]},{"_index":"complaint-public-v1","_id":"14701873","_score":21.444736,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have made payments on my credit card with XXXX XXXX  time through auto pay for years. For some reason auto pay was taken off. i spoke to customer service and the manage about this situation Ive had multiple conversations on a recorded line with them walking me through setting up auto pay. They told me they will review the call and call me back. i had to reach out again 2 weeks later and they told me they review it but cant send me proof and the late payment stands","date_sent_to_company":"2025-07-16T22:45:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"06451","tags":null,"has_narrative":true,"complaint_id":"14701873","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-16T22:28:22.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I have made payments on my <em>credit</em> <em>card</em> with XXXX XXXX  time through auto pay for years. For some reason auto pay was taken off. i spoke to customer service and the manage about this situation Ive had multiple <em>conversations</em> on a <em>recorded</em> line with them walking me through setting up auto pay. They told me they will review the call and call me back. i had to reach out again 2 weeks later and they told me they review it but cant <em>send</em> me proof and the late payment stands"],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[21.444736,"14701873"]},{"_index":"complaint-public-v1","_id":"14679989","_score":21.430923,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have made payments on my credit card with XXXX XXXX  time through auto pay for years. For some reason auto pay was taken off. i spoke to customer service and the manage about this situation Ive had multiple conversations on a recorded line with them walking me through setting up auto pay. They told me they will review the call and call me back. i had to reach out again 2 weeks later and they told me they review it but cant send me proof and the late payment stands","date_sent_to_company":"2025-07-16T22:45:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"06451","tags":null,"has_narrative":true,"complaint_id":"14679989","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-16T22:45:07.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I have made payments on my <em>credit</em> <em>card</em> with XXXX XXXX  time through auto pay for years. For some reason auto pay was taken off. i spoke to customer service and the manage about this situation Ive had multiple <em>conversations</em> on a <em>recorded</em> line with them walking me through setting up auto pay. They told me they will review the call and call me back. i had to reach out again 2 weeks later and they told me they review it but cant <em>send</em> me proof and the late payment stands"],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[21.430923,"14679989"]},{"_index":"complaint-public-v1","_id":"6593962","_score":21.20745,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I taped me & the Elan Reps conversation over the phone about the XXXX XXXX XXXX charge dispute and the Elan Representative is lying about our conversation : I put her on hold for a quick minute and then I came back to the phone and she was still holding, but I sat up there and said hello for 5 minutes and the Elan representative didnt say a word! So the Elan Representative is telling a big lie in her response to my complaint, and I have a recorded conversation on my tape recorder showing the Elan Reprentative is lying! \nI tried to respond back, but I just saw that I only had until XX/XX/2023 to respond. \nSomehow I thought I had until XX/XX/2023 to respond! \n\nBut since Elan Representative lied in their response about what actually happened between me and her then I believe they lied about sending documents out to me about the XXXX XXXX XXXX for {$2400.00} to me, so they wouldnt get documents back from me, so they could take the provisional credit off for {$2400.00} and recharge my account for the {$2400.00} : because I did get the documents saying they had charged my account again for the {$2400.00} charge, so I think that Elan Financial Services should be made to immediately credit my United Community Bank Visa card for the XXXX XXXX XXXX charge for {$2400.00}.","date_sent_to_company":"2023-02-21T01:59:25.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"30078","tags":null,"has_narrative":true,"complaint_id":"6593962","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2023-02-21T00:56:18.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["be made to immediately <em>credit</em> my United Community Bank Visa <em>card</em> for the XXXX XXXX XXXX charge for {$2400.00}."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a dispute about a purchase on your statement"]},"sort":[21.20745,"6593962"]},{"_index":"complaint-public-v1","_id":"15377106","_score":20.98685,"_source":{"product":"Debt collection","complaint_what_happened":"SIMM Associates XXXX XXXX  XXXX, XXXX, DE XXXX ( XXXX ) XXXX I am filing a complaint regarding SIMM Associates for misleading and contradictory debt collection practices. \n\nSIMM Associates sent me two emails requesting that I settle medical bills. I called to pay the stated amounts. During the call, I spoke with a representative named XXXX XXXX She told me she needed to see the emails to confirm the amounts and asked me to forward them to the same email address they had come from. I complied. \n\nXXXX then stated that there were actually five invoices, not two, and said I owed a total of {$90.00}. She further stated she would honor a 30 % settlement, reducing the balance to {$63.00}. I agreed to this settlement, provided my credit card information, and was told that I would receive a receipt to my email. I recorded this conversation. \n\nInstead of sending a receipt, XXXX sent me an email directing me to send a {$90.00} payment to their address, which was inconsistent with what had just been agreed upon. When I replied and pointed out that I had a recording of our conversation, she responded by sending me five additional emails with invoices I had never previously received. \n\nMy credit card is showing the deduction for XXXX. \n\nThis conduct is misleading, contradictory, and appears designed to confuse and pressure me into paying amounts beyond what had been initially presented or agreed to. I am submitting this complaint so the FTC is aware of these practices.","date_sent_to_company":"2025-08-19T19:17:04.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"45039","tags":null,"has_narrative":true,"complaint_id":"15377106","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SIMM Associates, Inc.","date_received":"2025-08-19T18:54:55.000Z","state":"OH","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["I agreed to this settlement, provided my <em>credit</em> <em>card</em> information, and was told that I would receive a receipt to my email. I <em>recorded</em> this <em>conversation</em>. \n\nInstead of <em>sending</em> a receipt, XXXX sent me an email directing me to <em>send</em> a {$90.00} payment to their address, which was inconsistent with what had just been agreed upon. When I replied and pointed out that I had a recording of our <em>conversation</em>, she responded by <em>sending</em> me five additional emails with invoices I had never previously received."]},"sort":[20.98685,"15377106"]},{"_index":"complaint-public-v1","_id":"4592183","_score":20.929415,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"My son sent me {$40.00} dollars from his PayPal account to mine ( This is all relevant to my complaint so please bear with me. ) He immediately realized that he used the wrong card to send me the money. he use his credit card and intended to use his debit card. He contacted me and I initiated a refund. ( this all happened in less than 2 minutes. ) Here is the complaint number he filed against PayPal concerning this issue.XXXX-XXXX. Basically PayPal stole the {$40.00} from him and told him numerous lies to justify stealing it. He filed a dispute with his bank. He kept a verbatim copy of the conversations he had with PayPal, Concerning this {$40.00} refund using their messenger app. He included a copy of that conversation in with his dispute. After his bank read the conversations and saw all the lies PayPal told to him regarding the {$40.00} the bank refunded his money back to him. Yesterday day I log into my PayPal account and I have a message that I have a negative {$40.00} balance on my PayPal cash account. I contact PayPal using their messenger app and they tell me that since my sons bank found in his favor and returned the money PayPal stole from him that I owe PayPal {$40.00}. I refunded the {$40.00} immediately. PayPal even confirmed that I refunded the money ( see attachment PayPal refund XXXX ) and that the refund had completed. I did my part and refunded the money. What PayPal did with it after I refunded it is not my responsibility. PayPal went on record and stated that the refund from my PayPal account to my sons account was completed. Now PayPal is trying to steal {$40.00} from me. I in no way owe PayPal {$40.00}. PayPal stole the {$40.00} from my son and that was fraud. My sons bank ruled in my sons favor and returned the money PayPal stole from him back to his card. How am I responsible for PayPal stealing {$40.00} from my son and telling lies to justify stealing it.? I am uploading the original conversation my son had with Paypal using their messenger. ( See PayPal conversation ) read it yourself. They told numerous lies. Nothing PayPal says can be believed. I am also uploading my conversation with PayPal where they claim I owe them {$40.00}. ( See PayPal lies volume 2 )","date_sent_to_company":"2021-08-01T05:54:24.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"32505","tags":"Older American","has_narrative":true,"complaint_id":"4592183","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2021-08-01T01:18:21.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["My son sent me {$40.00} dollars from his PayPal account to mine ( This is all relevant to my complaint so please bear with me. ) He immediately realized that he used the wrong <em>card</em> to <em>send</em> me the money. he use his <em>credit</em> <em>card</em> and intended to use his debit <em>card</em>. He contacted me and I initiated a refund. ( this all happened in less than 2 minutes. ) Here is the complaint number he filed against PayPal concerning this issue.XXXX-XXXX."]},"sort":[20.929415,"4592183"]},{"_index":"complaint-public-v1","_id":"9134975","_score":20.811157,"_source":{"product":"Credit card","complaint_what_happened":"Capital One Credit card through XXXX 's We always pay this card through our XXXX  XXXX XXXX on line bill pay. \n\nA payment of {$52.00} was made to Capital One XX/XX/year>. \nCapital One denied receiving payment. \nI submitted multiple records and XXXX  statements that payment was made. \nThere was considerable phone conversations with various Capital One departments I also had a few conference calls with XXXX and Capital One. \nXXXX explained the situation. I also send Capital One a copy of the XXXX  check. \n\nTo this day they have completely ignored the facts and have been charging me with late fees and interest which now amount to over {$160.00}.","date_sent_to_company":"2024-05-30T20:21:01.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"334XX","tags":null,"has_narrative":true,"complaint_id":"9134975","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-05-30T19:50:11.000Z","state":"FL","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Capital One <em>Credit</em> <em>card</em> through XXXX 's We always pay this <em>card</em> through our XXXX  XXXX XXXX on line bill pay. \n\nA payment of {$52.00} was made to Capital One XX/XX/year>. \nCapital One denied receiving payment. \nI submitted multiple <em>records</em> and XXXX  statements that payment was made. \nThere was considerable phone <em>conversations</em> with various Capital One departments I also had a few conference calls with XXXX and Capital One. \nXXXX explained the situation."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a dispute about a purchase on your statement"]},"sort":[20.811157,"9134975"]},{"_index":"complaint-public-v1","_id":"17411177","_score":20.674862,"_source":{"product":"Credit card","complaint_what_happened":"I received a bill from Montgomery Ward indicating I owed roughly {$170.00} for an unlisted product or service. The documents indicated a credit card or credit account had been opened in my name, which, of course I did not open or authorize. \n\nI called the Montgomery Ward to notify them that this was fraudulent. I encountered multiple layers of robo-operators, some of which simply hung up on me before asking me questions or allowing me to explain the purpose of my call. I did finally connect with a human, and they allegedly intend to send me documentation showing that the account has been declared fraudulent. I recorded the conversation for my records and any future legal action. I still have yet to receive that documentation.","date_sent_to_company":"2025-11-22T00:06:09.000Z","issue":"Getting a credit card","sub_product":"Store credit card","zip_code":"02474","tags":null,"has_narrative":true,"complaint_id":"17411177","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Colony Brands, Inc.","date_received":"2025-11-21T23:49:45.000Z","state":"MA","company_public_response":null,"sub_issue":"Card opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["I did finally connect with a human, and they allegedly intend to <em>send</em> me documentation showing that the account has been declared fraudulent. I <em>recorded</em> the <em>conversation</em> for my <em>records</em> and any future legal action. I still have yet to receive that documentation."],"product":["<em>Credit</em> <em>card</em>"],"issue":["Getting a <em>credit</em> <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"],"sub_issue":["<em>Card</em> opened without my consent or knowledge"]},"sort":[20.674862,"17411177"]},{"_index":"complaint-public-v1","_id":"5022095","_score":20.666582,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I did not apply for a wellsFargo Credit card back in XXXX I went into the bank and spoke with a representative about this issue. I did not authorize However they send me a record of the application and reference number and we still going back and fourth and I did not tell no associate nor bank representative my mother / grandmother did anything this is absolutely unacceptable. It really XXXX me off because she been deceased since XXXX. Yes Wells Fargo showing me documentation but at the same time how about show pictures/ or the voice recording of the conversation that me and the bank representative had. Any body can present documents However still does not justified the fact that the credit card was fraudulent!!!","date_sent_to_company":"2021-12-18T20:52:59.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"770XX","tags":"Servicemember","has_narrative":true,"complaint_id":"5022095","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2021-12-18T20:37:52.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["I did not apply for a wellsFargo <em>Credit</em> <em>card</em> back in XXXX I went into the bank and spoke with a representative about this issue. I did not authorize However they <em>send</em> me a <em>record</em> of the application and reference number and we still going back and fourth and I did not tell no associate nor bank representative my mother / grandmother did anything this is absolutely unacceptable. It really XXXX me off because she been deceased since XXXX."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["Getting a <em>credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Card</em> opened as result of identity theft or fraud"]},"sort":[20.666582,"5022095"]},{"_index":"complaint-public-v1","_id":"12839662","_score":20.649288,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year> my Chime account was hacked. I received an email that my passkey to my Chime app had been changed. I also received an email that a credit builder account had been opened and a new card was on it's way. Once I read the emails I tried to get into my Chime app but I wasn't able because my passkey had been changed. I immediately contacted Chime Financial to inform them that my Chime account had been hacked and that I wasn't able to get into My Chime app and that I wasn't the one who changed my passkey or created the credit builder. I had them to immediately close the credit builder account and cancel the card. Since that credit builder account had been opened my credit report took a XXXX point drop. I contacted XXXX about this and explained to them what happened. XXXX told me to get a letter from Chime XXXX saying that I wasn't the one who opened up that credit builder account. I talked with Chime Financial and they said they couldn't send me a letter. They could only send me a letter showing the credit builder account. All there phone calls are recorded. The phone call I made to Chime Financial on XX/XX/year> has the whole conversation about my account being hacked. Chime XXXX should send a printout of that conversation to me and The Credit Bureaus. So that those XXXX points can be added back to my credit report. I'm putting a snapshot of the email I received from Chime Financial on XX/XX/year> about the fraudulent activities to my account.","date_sent_to_company":"2025-04-05T16:59:35.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"440XX","tags":null,"has_narrative":true,"complaint_id":"12839662","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-04-05T16:20:11.000Z","state":"OH","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["All there phone calls are <em>recorded</em>. The phone call I made to Chime Financial on XX/XX/year> has the whole <em>conversation</em> about my account being hacked. Chime XXXX should <em>send</em> a printout of that <em>conversation</em> to me and The <em>Credit</em> Bureaus. So that those XXXX points can be added back to my <em>credit</em> report. I'm putting a snapshot of the email I received from Chime Financial on XX/XX/year> about the fraudulent activities to my account."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[20.649288,"12839662"]},{"_index":"complaint-public-v1","_id":"6025242","_score":20.605915,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"In XXXX, XXXX Chase Credit Card charged me for hundreds of XXXX and Audible books from XXXX dated in XXXX, XXXX There are way to many charges to list. My XXXX account has no record of these charges and I did not make them. These charges amount to around {$400.00}. Chase has no idea where these charges came from or why if the charges were made in XXXX, XXXX that they were not billed to me until XXXX, XXXX. \n\nI have had numerous conversations with the fraud department at Chase to no avail. I have an account in good standing for over 20 years. If needed I can send copies of my Chase statements.","date_sent_to_company":"2022-09-27T17:17:30.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"837XX","tags":"Older American","has_narrative":true,"complaint_id":"6025242","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-09-27T16:15:18.000Z","state":"ID","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["In XXXX, XXXX Chase <em>Credit</em> <em>Card</em> charged me for hundreds of XXXX and Audible books from XXXX dated in XXXX, XXXX There are way to many charges to list. My XXXX account has no <em>record</em> of these charges and I did not make them. These charges amount to around {$400.00}. Chase has no idea where these charges came from or why if the charges were made in XXXX, XXXX that they were not billed to me until XXXX, XXXX. \n\nI have had numerous <em>conversations</em> with the fraud department at Chase to no avail."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a dispute about a purchase on your statement"]},"sort":[20.605915,"6025242"]},{"_index":"complaint-public-v1","_id":"5991311","_score":20.536295,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Barclays took over old navy and failed to send statements new card or grant access to account. I have been calling Barclays for about two months to fix the issue and they have told me multiple times it was their fault and were going to reverse all fees and interest to original amount but never do. They use deceptive practices to try and collect money that I am not responsible for saying they have corrected the charges but it is never corrected after five calls. They will tell me to call back and still the amount has not been adjusted. All these calls have been recorded. They also stated my credit report would not be affected and it still shows. They continue to lie even when they stated it was their fault. This is on recorded conversations.","date_sent_to_company":"2022-09-17T18:09:53.000Z","issue":"Problem when making payments","sub_product":"Store credit card","zip_code":"766XX","tags":null,"has_narrative":true,"complaint_id":"5991311","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2022-09-17T17:53:59.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"You never received your bill or did not know a payment was due"},"highlight":{"complaint_what_happened":["All these calls have been <em>recorded</em>. They also stated my <em>credit</em> report would not be affected and it still shows. They continue to lie even when they stated it was their fault. This is on <em>recorded</em> <em>conversations</em>."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"]},"sort":[20.536295,"5991311"]},{"_index":"complaint-public-v1","_id":"2896526","_score":20.265709,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/2016 i spoke to Discover card about the fraudulent charges on my credit card the charges were taken off, but later on they were put back on my account.\n\n1. On the phone the company representative told me that my phone number on the card account was changed. I never changed my phone number and up to this day I still have the same phone number.\n\n2. Discover must have recordings of whoever spoke to them to change that number and allow for payments to go through. because when you call discover it says all you conversations will be recorded.\n\n3. I was told to send an affidavit, and i did, several times, but Discover credit card told me they didn't receive it. I sent it three times via mail and also sent it via fax. I called the company and i was told that they have received it.\n\nDiscover credit card company does not want to deal with my case, they rely on their facts and do not want to consider that facts and the proof that I am sending.","date_sent_to_company":"2018-05-04T15:07:32.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"11214","tags":null,"has_narrative":true,"complaint_id":"2896526","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2018-05-04T14:48:57.000Z","state":"NY","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["Discover must have recordings of whoever spoke to them to change that number and allow for payments to go through. because when you call discover it says all you <em>conversations</em> will be <em>recorded</em>.\n\n3. I was told to <em>send</em> an affidavit, and i did, several times, but Discover <em>credit</em> <em>card</em> told me they didn't receive it. I sent it three times via mail and also sent it via fax. I called the company and i was told that they have received it."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[20.265709,"2896526"]},{"_index":"complaint-public-v1","_id":"10615173","_score":20.163813,"_source":{"product":"Debt collection","complaint_what_happened":"We sent the Midland Credit company an mutually agreed upon amount of {$500.00} and stated we would send the final amount of {$380.00} on XX/XX/year> via a checking account wpermission drawal. After the call with Midland they went in and tried to use a debit card used to pay the 1st payment! That was not apart of our RECORDED conversation. This was done without permission or instructions! They then stated they had a payment declined! This group had spoken to us previously and tried to change the agreement made to clear those debt! They'll are treating consumers without any regard to the law or professional behavior. We made sure we would be protected and had documentation through our Credit Union.","date_sent_to_company":"2024-10-29T18:02:21.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"27801","tags":null,"has_narrative":true,"complaint_id":"10615173","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2024-10-29T17:29:48.000Z","state":null,"company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["We sent the Midland <em>Credit</em> company an mutually agreed upon amount of {$500.00} and stated we would <em>send</em> the final amount of {$380.00} on XX/XX/year> via a checking account wpermission drawal. After the call with Midland they went in and tried to use a debit <em>card</em> used to pay the 1st payment! That was not apart of our <em>RECORDED</em> <em>conversation</em>. This was done without permission or instructions! They then stated they had a payment declined!"],"sub_product":["<em>Credit</em> <em>card</em> debt"]},"sort":[20.163813,"10615173"]},{"_index":"complaint-public-v1","_id":"2628121","_score":20.094215,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"XXXX XXXX, 2017 We received our Chase Rewards card statement this past Saturday. In XXXX, 2017 we paid the balance in full ( {$14000.00} ) within the due date period. The statement we received Saturday shows that we have an additional amount due of {$69.00}. Called customer service this morning to inquire about the charge and to ask that the amount be waived as we had paid the balance in full. Was informed that the amount was due in full. I talked with two individuals, the first a woman named XXXX, and then her supervisor, XXXX. I explained to XXXX that I couldnt find anywhere on the statement that Chase could charge the extra interest amount and that I had paid the full balance due before the due date. She explained that the {$69.00} was accrued interest from the last payment date and then explained that interest was charged if the account wasnt paid in full each month. I explained that this was not the issue and that there was nowhere in the statement that Chase could do this. Discussion proceeded and I asked to speak to an individual who could review this and give approval to waive the interest charge as there was nothing in the statement wording this type of payment would be required. She told me there was no one other than her who could handle that and she couldnt waive the amount except for an {$8.00} charge. At this point I mentioned that Chase introductory dialogue stated that my conversation would be recorded for quality purposes. ( wording similar to that, anyway ). I explained to XXXX that I was also recording the conversation and she proceed to explain to me that I couldnt do that as it was against Chases policy and if I didnt stop recording she was going to hang up. I asked her for the name, and address where I could send a complaint regarding what was happening. She told me to stop my recording, I again asked her for the same information and she hung up. Both Idaho and Oregon ( where the Chase bill was sent ) are one party consent States when it comes to telephone conversations, as I understand it. I did not have to inform XXXX about my intention regarding recording the conversation since I was party to the conversation. The fact that she told me that I couldnt record the conversation as per Chases policy presents an interesting dilemma. She handled that dilemma by hanging up, but not the request I made. This complaint is given for two purposes. There is nothing in the Chase statement which gives Chase permission to charge the additional interest when an ongoing balance is paid in full and Chase should not be allowed to charge that interest without a specific statement or without providing information regarding the payoff of an ongoing balance due. Second, while XXXX has the option of hanging up, Chase doesnt have the legal right to tell me I cant record a conversation and then refuse to give me information where I can proceed to get my problem handled. I have reluctantly paid the interest due as I have no choice but to do so without risking my credit rating, but ask that Chase reimburse me for the payment I made, as well as change the wording in the monthly statements to reflect their intention to require additional payment when situations such as we have happen. As a side note, I paid the interest amount by taking all the reward points accrued on the account. Think that Chase ought to give me those reward points back too. Thank you for you interest.","date_sent_to_company":"2017-08-14T19:56:07.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"83616","tags":"Older American","has_narrative":true,"complaint_id":"2628121","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2017-08-14T19:06:50.000Z","state":"ID","company_public_response":null,"sub_issue":"Charged too much interest"},"highlight":{"complaint_what_happened":["At this point I mentioned that Chase introductory dialogue stated that my <em>conversation</em> would be <em>recorded</em> for quality purposes. ( wording similar to that, anyway ). I explained to XXXX that I was also recording the <em>conversation</em> and she proceed to explain to me that I couldnt do that as it was against Chases policy and if I didnt stop recording she was going to hang up. I asked her for the name, and address where I could <em>send</em> a complaint regarding what was happening."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[20.094215,"2628121"]},{"_index":"complaint-public-v1","_id":"2022910","_score":19.811703,"_source":{"product":"Credit card","complaint_what_happened":"I was denied a Barclaycard XXXX with XXXX Rewards. My credit score is XXXX. I have no criminal record. I was unable to solve the problem by talking to their agents. I filed a complaint. XXXX XXXX from Barclaycard responded and after much conversation told me that the denial was due to an old phone number on my application and that I would be approved for the card immediately when I applied. I thought the issue was settled. \n\nSince that conversation, I have received XXXX letters from Barclaycard saying they need further confirmation of my address. They want me to send an original utility bill. I was asked to do this and I did it when I first applied for the card. I additionally sent them a copy of the front page of my tax return. Then they wanted copies of the front and back of my social security card nad my driver 's license. I have received many credit cards and never been asked for any information such as this. Something is very weird and I want to know why I am being refused credit. \n\nI have left messages for XXXX XXXX twice and received no return call. \n\nI had a XXXX XXXX Barclay card at the time I originally applied for this card. So, they already had my information and experience with me as a credit card holder. \nI want to know what is going on. XXXX XXXX told me the reason for all this hassle was that I had put an old phone number on my application. I do not believe this is true. I would say my age or XXXX is the most likely reason for the refusal and that they hope to hassle me until I give up. My partner who is a year younger and has a lower credit score was immediately approved for his card.","date_sent_to_company":"2016-07-21T22:32:08.000Z","issue":"Credit determination","sub_product":null,"zip_code":"947XX","tags":"Older American","has_narrative":true,"complaint_id":"2022910","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2016-07-21T22:32:08.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["My <em>credit</em> score is XXXX. I have no criminal <em>record</em>. I was unable to solve the problem by talking to their agents. I filed a complaint. XXXX XXXX from Barclaycard responded and after much <em>conversation</em> told me that the denial was due to an old phone number on my application and that I would be approved for the <em>card</em> immediately when I applied. 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