{"took":67,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":468,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4337044","_score":17.89522,"_source":{"product":"Checking or savings account","complaint_what_happened":"I opened an account online with Citi a few weeks ago at the beginning of XXXX. I had funded my account with XXXX mobile check deposits and an ACH bank transfer from another account. Citi unjustifiably deemed a perfectly fine checks as fraudulent and closed my account without adequate notice. The ACH transfer was supposedly sent back to my originating bank, but there is no supporting record of that, as the bank has refused to show supporting bank statement documentation of the return. I am still waiting to receive my money at either my new Citi account or my originating bank.","date_sent_to_company":"2021-04-29T16:21:46.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"229XX","tags":null,"has_narrative":true,"complaint_id":"4337044","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2021-04-29T16:14:32.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I opened an <em>account</em> online with Citi a few weeks ago at the beginning of XXXX. I had <em>funded</em> my <em>account</em> with XXXX mobile <em>check</em> deposits and an ACH bank transfer from another <em>account</em>. Citi unjustifiably deemed a perfectly fine <em>checks</em> as fraudulent and closed my <em>account</em> without adequate notice. The ACH transfer was supposedly sent back to my originating bank, but there is no <em>supporting</em> record of that, as the bank has refused to show <em>supporting</em> bank statement <em>documentation</em> of the return."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[17.89522,"4337044"]},{"_index":"complaint-public-v1","_id":"16925778","_score":16.3629,"_source":{"product":"Mortgage","complaint_what_happened":"I have made payments current and consistent. XXXX has mishandled many payments claiming funded and processed payments insufficient, returned, rejected. They have an obvious processing problem as I sent supporting documentation that payments were processed and deducted from by bank accounts. They have also false records of payment and return. \n\nI was made to personally acquire cashiers checks and make bank and post office visits to submit payments. My payment processing times then took approximately XXXX days. \n\nI had funded and processed payments claimed to be insufficient to the point my bank had to cancel and reissue.\n\nI'm having all these issues. Then I received an email my attention was needed to my student loan. A loan I didn't have.","date_sent_to_company":"2025-10-30T16:42:10.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"77346","tags":"Older American","has_narrative":true,"complaint_id":"16925778","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SOFI TECHNOLOGIES, INC.","date_received":"2025-10-30T16:12:59.000Z","state":"TX","company_public_response":null,"sub_issue":"Payment process"},"highlight":{"complaint_what_happened":["XXXX has mishandled many payments claiming <em>funded</em> and processed payments insufficient, returned, rejected. They have an obvious processing problem as I sent <em>supporting</em> <em>documentation</em> that payments were processed and deducted from by bank <em>accounts</em>. They have also false records of payment and return. \n\nI was made to personally acquire cashiers <em>checks</em> and make bank and post office visits to submit payments. My payment processing times then took approximately XXXX days."]},"sort":[16.3629,"16925778"]},{"_index":"complaint-public-v1","_id":"20795591","_score":16.252144,"_source":{"product":"Checking or savings account","complaint_what_happened":"My account was closed by U.S. Bank approximately two months ago. At the time of closure, I had a remaining balance that the bank stated would be sent to me by check. \n\nTo date, I have not received my funds. When I contacted the bank, I was told that the check has not been issued because they do not know the amount to send, as the account is still under internal review. \n\nThis is unacceptable. A bank can not close an account and then indefinitely withhold a customers funds without providing the balance or a clear timeline for payment. \n\nIn addition, I previously reported multiple unauthorized debit card transactions. Under the Electronic Fund Transfer Act ( Regulation E ), the bank is required to conduct a proper investigation and provide evidence supporting any denial. My claim was denied without sufficient explanation or documentation. \n\nThe fact that the account remains under review raises serious concerns about the accuracy and legitimacy of the banks investigation. \n\nI am requesting the immediate release of all funds owed to me, including my remaining account balance and the full amount of the disputed unauthorized transactions, along with a clear explanation and supporting documentation. \n\nIf this matter is not resolved promptly, I will pursue legal action.","date_sent_to_company":"2026-03-31T03:24:45.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"94080","tags":null,"has_narrative":true,"complaint_id":"20795591","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2026-03-31T03:11:48.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["A bank can not close an <em>account</em> and then indefinitely withhold a customers funds without providing the balance or a clear timeline for payment. \n\nIn addition, I previously reported multiple unauthorized debit card transactions. Under the Electronic <em>Fund</em> Transfer Act ( Regulation E ), the bank is required to conduct a proper investigation and provide evidence <em>supporting</em> any denial. My claim was denied without sufficient explanation or <em>documentation</em>."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[16.252144,"20795591"]},{"_index":"complaint-public-v1","_id":"5557973","_score":15.982002,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/XXXX : mobile deposit of {$14000.00} ; {$1500.00} of that was available, with notice that Remainder would be available on XX/XX/XXXX. \nXXXX : Issuing bank XXXX XXXX XXXX released funds to my bank USAA XX/XX/XXXX : spoke with USAA to request funds be made available since the check was funded. USAA acknowledged check was funded and advised that a previous NSF fee gave them the legal right to hold my funds until XX/XX/XXXX. \nXX/XX/XXXX : XXXX - received email stating funds previously on hold are now available. XXXX - account information shows : current balance {$13000.00} hold balance : {$14000.00} = ( {$1400.00} ) balance. XXXX - Spoke to USAA ; was advised the funds would be made available XX/XX/XXXX & hung up on. XXXX : usaa verbally advised that check return was initiated by back office personnel on XX/XX/XXXX, but they could not provide any official documentation to support this. \nXXXX : check issuer spoke with XXXX  who denies requesting the item he returned.","date_sent_to_company":"2022-05-13T18:55:09.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"30004","tags":"Servicemember","has_narrative":true,"complaint_id":"5557973","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2022-05-13T18:26:57.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["XXXX : usaa verbally advised that <em>check</em> return was initiated by back office personnel on XX/XX/XXXX, but they could not provide any official <em>documentation</em> to <em>support</em> this. \nXXXX : <em>check</em> issuer spoke with XXXX  who denies requesting the item he returned."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[15.982002,"5557973"]},{"_index":"complaint-public-v1","_id":"13207416","_score":15.934922,"_source":{"product":"Prepaid card","complaint_what_happened":"I am writing to formally dispute the handling of funds and checks issued to me in connection with prior unauthorized transactions, and to request supporting documentation pursuant to federal law. \n\nSpecifically, a check in the amount of {$11000.00} was issued to me by Money Network in resolution of a prior dispute, wherein two checks drawn on my account were wrongfully cashed without my authorization. Following my report of the unauthorized activity, Money Network acknowledged the error and credited the disputed funds to my account. \n\nHowever, despite acknowledging the wrongful disbursement, Money Network has since voided the {$11000.00} check, now asserting that I was somehow involved in the issuance of said check. This is a material change in position that appears inconsistent with prior communications and the resolution previously granted. \n\nPursuant to Regulation E ( 12 C.F.R. Part 1005 ), which governs electronic fund transfers and consumer rights, I hereby demand all documentation and evidence that Money Network relies upon to support its claim that I was involved in the disputed issuance of the {$11000.00} check. Regulation E obligates financial institutions to conduct a good-faith investigation, provide the consumer with the results of such investigation, and, upon request, furnish copies of the documents on which the institution relied.\n\nTo date, I have not received any such documentation. The continued withholding of my funds without adequate explanation or substantiating evidence is not only contrary to Regulation E, but also constitutes a breach of fiduciary duty and may give rise to further liability under applicable consumer protection laws.\n\nPlease provide the requested documentation within ten ( 10 ) business days of receipt of this letter. Should you fail to do so, I reserve all rights to pursue appropriate legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and initiating litigation.","date_sent_to_company":"2025-04-28T21:36:35.000Z","issue":"Unexpected or other fees","sub_product":"Government benefit card","zip_code":"902XX","tags":null,"has_narrative":true,"complaint_id":"13207416","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FISERV FINXACT CORE","date_received":"2025-04-28T21:18:00.000Z","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":["I am writing to formally dispute the handling of funds and <em>checks</em> issued to me in connection with prior unauthorized transactions, and to request <em>supporting</em> <em>documentation</em> pursuant to federal law. \n\nSpecifically, a <em>check</em> in the amount of {$11000.00} was issued to me by Money Network in resolution of a prior dispute, wherein two <em>checks</em> drawn on my <em>account</em> were wrongfully cashed without my authorization."]},"sort":[15.934922,"13207416"]},{"_index":"complaint-public-v1","_id":"18545652","_score":15.821639,"_source":{"product":"Checking or savings account","complaint_what_happened":"On [ XX/XX/XXXX phone stolen ], my mobile phone was stolen. \nShortly after the theft, my XXXX checking account was accessed without my authorization and multiple electronic fund transfers, including XXXX payments, were initiated by unknown third parties totaling approximately $ [ XXXX ]. \n\nOn or about [ XX/XX/XXXX first noticed fraud ], I discovered the unauthorized activity and immediately notified Truist and opened a fraud claim for unauthorized electronic fund transfers. \n\nOn or about [ XX/XX/XXXX police report filed ], I filed a police report and provided Truist with the report and supporting documentation. \n\nDespite timely notice and documentation, Truist denied my Regulation E claim without proving that I authorized the transactions and did not provide the provisional credit required under Regulation E ( 12 CFR 1005.11 ) during the investigation.\n\nI am requesting that Truist reopen my Regulation E claim, provide written denial reasons and evidence relied upon, and credit my account for all unauthorized transfers.","date_sent_to_company":"2026-01-07T21:19:48.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"75080","tags":null,"has_narrative":true,"complaint_id":"18545652","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2026-01-07T20:57:12.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["Shortly after the theft, my XXXX <em>checking</em> <em>account</em> was accessed without my authorization and multiple electronic <em>fund</em> transfers, including XXXX payments, were initiated by unknown third parties totaling approximately $ [ XXXX ]. \n\nOn or about [ XX/XX/XXXX first noticed fraud ], I discovered the unauthorized activity and immediately notified Truist and opened a fraud claim for unauthorized electronic <em>fund</em> transfers."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[15.821639,"18545652"]},{"_index":"complaint-public-v1","_id":"18559999","_score":15.70478,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a complaint regarding USAA Federal Savings Banks handling of debit-card disputes involving XXXX and XXXX App transactions on XXXX checking accounts. \n\nUSAA issued provisional credits during the investigation and later reversed those credits, leaving me owing approximately {$3500.00} across both accounts. However, I did not receive written notice of the investigation results or notice that the provisional credits would be reversed, either before or at the time of reversal, as required under the Electronic Fund Transfer Act and Regulation XXXX. \n\nIn addition, both checking accounts were suspended without prior written notice or explanation. I was not provided documentation supporting the dispute denial, nor an explanation for the account suspensions. \n\nI am requesting that USAA : XXXX. Provide written investigation results for each disputed transaction XXXX. Provide documentation relied upon in denying the disputes XXXX. Explain the basis for suspending both checking accounts XXXX Review whether proper notice requirements under Regulation XXXX were met I am not refusing to address any valid balance, but I am disputing the banks failure to follow required notice and due-process procedures.","date_sent_to_company":"2026-01-08T09:49:07.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"29526","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"18559999","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2026-01-08T09:33:36.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["However, I did not receive written notice of the investigation results or notice that the provisional credits would be reversed, either before or at the time of reversal, as required under the Electronic <em>Fund</em> Transfer Act and Regulation XXXX. \n\nIn addition, both <em>checking</em> <em>accounts</em> were suspended without prior written notice or explanation. I was not provided <em>documentation</em> <em>supporting</em> the dispute denial, nor an explanation for the <em>account</em> suspensions. \n\nI am requesting that USAA : XXXX."],"product":["<em>Checking</em> or savings <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[15.70478,"18559999"]},{"_index":"complaint-public-v1","_id":"16467853","_score":15.610831,"_source":{"product":"Checking or savings account","complaint_what_happened":"Bank Name : USAA Account Type : Checking ] Complaint Summary : On XX/XX/2025, I discovered unauthorized transactions on my checking account with USAA. These transactions include : XX/XX/2025 XXXX $ to XXXX XXXX Bank XX/XX/2025 XXXX $ to XXXX XXXX Bank I immediately reported the unauthorized charges to my bank on XX/XX/2025. The bank conducted an investigation and later informed me that no fraud was found. However, I did not authorize these transactions, did not benefit from them, and I dispute the banks findings. I did notify the bank to reopen their investigation and have heard nothing in XXXX weeks. \n\nWhy I Believe the Bank Violated the Law : Under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and Regulation E ( 12 C.F.R. Part 1005 ), I am not liable for unauthorized electronic fund transfers reported within 60 days of receiving my statement. \nThe bank failed to provide me with documentation supporting their conclusion that the transactions were authorized. \nThe bank has refused to credit my account for the unauthorized withdrawals. \n\nRequested Resolution : Require USAA to provide copies of all evidence and documentation used to determine that the disputed transactions were not fraudulent. \nReopen the investigation into my claim. \nIssue reimbursement ( including any overdraft or related fees ) for the unauthorized transactions as required under federal law.","date_sent_to_company":"2025-10-09T20:15:18.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"365XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"16467853","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2025-10-09T19:59:25.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Why I Believe the Bank Violated the Law : Under the Electronic <em>Fund</em> Transfer Act ( 15 U.S.C. 1693 et seq. ) and Regulation E ( 12 C.F.R. Part 1005 ), I am not liable for unauthorized electronic <em>fund</em> transfers reported within 60 days of receiving my statement. \nThe bank failed to provide me with <em>documentation</em> <em>supporting</em> their conclusion that the transactions were authorized. \nThe bank has refused to credit my <em>account</em> for the unauthorized withdrawals."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Problem with a lender or other company charging your <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[15.610831,"16467853"]},{"_index":"complaint-public-v1","_id":"21546562","_score":15.605568,"_source":{"product":"Checking or savings account","complaint_what_happened":"Company : XXXX XXXX XXXX Product : Checking or savings account Issue : Account closure / dispute investigation failure / funds not received Complaint title : Account closed, refund check not received, and unauthorized transaction disputes not properly investigated Complaint details : I am filing a formal complaint regarding XXXX XXXX XXXX handling of my closed account, failure to return my remaining funds, and failure to properly investigate multiple unauthorized transaction disputes. \n\nMy account was closed on XX/XX/year>. At the time of closure, I was advised that any remaining balance and credits owed to me would be returned. However, I have still not received my refund check, any reliable tracking information, or clear confirmation of when my funds will be released. \n\nIn addition, I reported multiple unauthorized electronic transactions on the account and provided substantial supporting documentation showing a clear pattern of account takeover and unauthorized activity. This included prior favorable determinations and supporting evidence from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX, where similar disputes involving related unauthorized transactions were investigated and resolved in my favor. \n\nDespite this evidence, XXXX XXXX XXXX failed to properly investigate the disputes and did not reasonably consider the documentation submitted. The disputes were denied, delayed, or handled without adequately addressing the evidence of fraud and prior institutional findings. \n\nI maintained possession of my physical card, did not authorize these transactions, and promptly reported the activity. The evidence clearly supports that these were unauthorized electronic fund transfers resulting from account takeover and fraudulent access. \n\nI am concerned that XXXX XXXX XXXX failed to comply with its obligations under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, including the duty to conduct a good-faith investigation, provide provisional credit where required, and ensure prompt access to funds even after account closure. \n\nThis has caused significant financial hardship, delayed access to essential funds, and unnecessary emotional distress. \n\nI am requesting the following : XXXX. Immediate confirmation of the account closure date of XX/XX/year> XXXX. A full accounting of all funds owed, including remaining balance, dispute credits, and provisional or permanent credits due XXXX. Immediate release of my refund check or alternative payment by ACH or wire if mailing delays continue XXXX. Tracking information if a refund check has already been issued XXXX. Reopening and full reinvestigation of all disputed unauthorized transactions XXXX Review of all supporting documentation previously submitted XXXX. Consideration of prior final determinations from XXXX XXXX XXXX XXXX  XXXX XXXX, and XXXX XXXX. Reversal of all related fees, overdraft charges, and negative account consequences caused by the disputed transactions XXXX. A written explanation detailing how the denial decisions were originally reached Desired resolution : I want XXXX XXXX XXXX to immediately return all funds owed to me, including my refund check and dispute-related credits, properly reinvestigate all unauthorized transactions under Regulation E, reverse all related fees, and provide written confirmation of the final resolution.","date_sent_to_company":"2026-04-23T23:07:41.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"10027","tags":null,"has_narrative":true,"complaint_id":"21546562","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"FinCo Services Inc DBA Current","date_received":"2026-04-23T23:01:09.000Z","state":"NY","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["The evidence clearly <em>supports</em> that these were unauthorized electronic <em>fund</em> transfers resulting from <em>account</em> takeover and fraudulent access. \n\nI am concerned that XXXX XXXX XXXX failed to comply with its obligations under the Electronic <em>Fund</em> Transfer Act ( EFTA ) and Regulation E, including the duty to conduct a good-faith investigation, provide provisional credit where required, and ensure prompt access to funds even after <em>account</em> closure."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[15.605568,"21546562"]},{"_index":"complaint-public-v1","_id":"18075969","_score":15.5927305,"_source":{"product":"Checking or savings account","complaint_what_happened":"I deposited a legitimate check into my Capital One account yesterday. After several confusing emails about the release of my funds, and multiple transfers from representatives the check was finally confirmed and verified, but while all of this was happening, my account was suddenly restricted and then closed. Capital One is now holding my funds with no timeline, and claiming no way to reach the investigation team handling my case other than email. \n\nI have been told repeatedly that representatives can only email the investigators and can not tell me when my check will be released or returned. This is completely unacceptable. \n\nThis situation is causing major financial hardship. I am a single parent with children to support, and I urgently need access to my money for essential expenses. Capital One is withholding verified funds with no real transparency or reasonable resolution. \n\nRequested Resolution : 1. Immediate return of my verified check. Overnighted to my home.\n\n2. A clear written timeline for when the remaining balance will be sent.\n\n3. Documentation explaining the account closure and fund hold.","date_sent_to_company":"2025-12-02T15:53:46.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"21061","tags":null,"has_narrative":true,"complaint_id":"18075969","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-12-02T15:43:01.000Z","state":"MD","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["Immediate return of my verified <em>check</em>. Overnighted to my home.\n\n2. A clear written timeline for when the remaining balance will be sent.\n\n3. <em>Documentation</em> explaining the <em>account</em> closure and <em>fund</em> hold."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[15.5927305,"18075969"]},{"_index":"complaint-public-v1","_id":"10861472","_score":15.520689,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, I opened a checking account at the Citibank branch located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I used my XXXX and a non-US address to open the account. \n\nI received my debit card on XX/XX/XXXX and proceeded to fund the account by depositing a IRS tax return check for {$XXXX} and initiating a {$XXXX} bank transfer from my non-US account. \n\nOn XX/XX/XXXX, I lost access to my account. An error message indicated that the system was experiencing delays. When I contacted Citibank 's customer support, I was informed that my account was under review for suspected fraud. \n\nOn XX/XX/XXXX, the error message changed, and upon contacting customer support again, I was told that my account was being closed due to fraud. They stated that I would receive my funds within XXXX business days via a check mailed to my address. \n\nI was not given any opportunity to appeal this decision or provide documentation to support the legitimacy of my deposit and account activity. \n\nI am extremely frustrated by this situation. As a non-resident, I made a significant effort to open this account, and all of my actions were legitimate. I believe Citibank has unfairly closed my account and is withholding my funds without proper justification. I request that the CFPB investigate this matter and help me resolve this issue with Citibank.","date_sent_to_company":"2024-11-20T11:23:08.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"10861472","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-11-20T10:56:48.000Z","state":null,"company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I opened a <em>checking</em> <em>account</em> at the Citibank branch located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I used my XXXX and a non-US address to open the <em>account</em>. \n\nI received my debit card on XX/XX/XXXX and proceeded to <em>fund</em> the <em>account</em> by depositing a IRS tax return <em>check</em> for {$XXXX} and initiating a {$XXXX} bank transfer from my non-US <em>account</em>. \n\nOn XX/XX/XXXX, I lost access to my <em>account</em>. An error message indicated that the system was experiencing delays."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[15.520689,"10861472"]},{"_index":"complaint-public-v1","_id":"8699771","_score":15.344161,"_source":{"product":"Checking or savings account","complaint_what_happened":"I opened a CD for {$1000.00} on XX/XX/XXXX with Marcus by Goldman Sachs. The CD was to mature on XXXX XXXX. On XX/XX/XXXX I called, per their instructions, to take the option that was offered to close the account and have a physical check mailed upon maturity of the CD. I was told that everything was taken care of, but I did not receive a check. I called back and was told my original check to open the CD did not clear the issuing bank. This was confusing, because I had been told in the beginning that the account was, indeed, funded, and I received regular statements showing the account along with interest earned. I did not receive a check after this initial contact with customer service, and, after the third contact in as many weeks, the customer service person told me that the check that had been issued to close the account was \" called back '' due to the fact that the original funding check had not cleared. During that conversation, the issuing bank was included in a conference call and the bank confirmed that the original check did clear. I was informed again by the Marcus representative that a check would be issued, and the account would be closed, a closing process that would take \" three business days '' and a check would be processed after that. I was told I would forfeit some interest due to closing the account, which was confusing because the CD had reached maturity. I got a letter, and the online account indicated, that the CD had rolled over to a new CD, which I made very clear was not my intent when I originally closed the CD on XX/XX/XXXX. As of the filing of this complaint on XX/XX/XXXX, I still have not received a check from Marcus. When I asked for some documentation supporting my several conversations with Marcus as well as for the account closure, I was told there would be none. Thank you for your attention.","date_sent_to_company":"2024-04-04T17:36:16.000Z","issue":"Closing an account","sub_product":"CD (Certificate of Deposit)","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"8699771","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2024-04-04T15:20:11.000Z","state":"FL","company_public_response":null,"sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["This was confusing, because I had been told in the beginning that the <em>account</em> was, indeed, <em>funded</em>, and I received regular statements showing the <em>account</em> along with interest earned. I did not receive a <em>check</em> after this initial contact with customer service, and, after the third contact in as many weeks, the customer service person told me that the <em>check</em> that had been issued to close the <em>account</em> was \" called back '' due to the fact that the original <em>funding</em> <em>check</em> had not cleared."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_issue":["Funds not received from closed <em>account</em>"]},"sort":[15.344161,"8699771"]},{"_index":"complaint-public-v1","_id":"21475311","_score":15.18719,"_source":{"product":"Checking or savings account","complaint_what_happened":"Re : Unlawful Closure of Accounts XXXX XXXX XXXX XXXXXXXX Factual Background : On XX/XX/XXXX, at approximately XXXX XXXX  EST and again at approximately XXXXXXXX XXXX  EST, two XXXX transactions totaling {$75.00} were processed from my account without my authorization. \n\nOn XX/XX/XXXX, I promptly reported these unauthorized transactions to Capital One. My claim was denied on XX/XX/XXXX. In subsequent communications, Capital One stated that its decision was based on login history evidencing authorization and/or participation in the electronic activity, but did not provide supporting documentation despite my requests. \n\nStatement of Concerns : Capital One failed to adequately investigate my claim of unauthorized electronic fund transfers.\n\nCapital One has not provided documentation or a clear explanation of its findings upon request, as required under applicable federal regulations governing electronic fund transfer disputes. \nCapital One relied on unspecified login history without furnishing evidence to support its conclusion. Following my dispute, Capital One closed my account and reported negative information, which I believe was unjustified given the unresolved nature of the unauthorized transactions. \n\nDemand for Resolution : To resolve this matter, I request that Capital One : Reimburse the {$75.00} in unauthorized transactions ; Provide copies of all documentation relied upon in denying my claim, including any records of login activity or device authentication ; Clarify the basis for account closure and any reporting made to consumer reporting or banking databases ; Allow me to reopen a new checking & savings account. \n\nNotice of Intent : If this matter is not resolved within 30 days of receipt of this letter, I intend to file formal complaints with the New York State Attorney General, the Federal Deposit Insurance Corporation, and the Office of the Comptroller of the Currency. Along with the promise of legal action will be taken ; It is important that you understand that I have credible evidence and documentation that holds merit to support my case. \n\nPlease direct all communications regarding this matter to me in writing. \n\n\nRegards","date_sent_to_company":"2026-04-22T08:18:07.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"11231","tags":null,"has_narrative":true,"complaint_id":"21475311","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-04-22T07:43:39.000Z","state":"NY","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Demand for Resolution : To resolve this matter, I request that Capital One : Reimburse the {$75.00} in unauthorized transactions ; Provide copies of all <em>documentation</em> relied upon in denying my claim, including any records of login activity or device authentication ; Clarify the basis for <em>account</em> closure and any reporting made to consumer reporting or banking databases ; Allow me to reopen a new <em>checking</em> & savings <em>account</em>."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[15.18719,"21475311"]},{"_index":"complaint-public-v1","_id":"21767721","_score":15.119871,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am submitting a complaint regarding two unauthorized transactions on my checking account in the amounts of approximately {$1900.00} and {$2000.00} associated with a merchant listed as XXXX XXXX. \n\nI was initially contacted by Navy Federal Credit Union and informed that these transactions appeared potentially fraudulent. During that call, I immediately confirmed that I did not authorize the transactions, did not recognize the merchant, and had no relationship with the company associated with the charges.\n\nDespite reporting the transactions as fraud immediatly, the payments were still processed. I timely filed a fraud claim and fully cooperated with the investigation and appeal process.\n\nThe credit union later denied my claim, stating only that its information contradicts my claim of unauthorized activity. However, the company has repeatedly refused to provide any actual evidence or documentation showing that I authorized the transactions. Specifically, I requested documentation supporting their determination, including transaction authorization records, merchant verification, authentication methods, IP/device information, or other evidence relied upon during the investigation. These requests were denied. The company later stated that most of its investigation process was conducted electronically and that physical documentation relating to the fraud claim was minimal. Despite this, the company continues to deny my claim\nwithout explaining what information allegedly supports authorization.\n\nIn response to the companys request for additional information, I conducted independent research regarding the merchant associated with the charges. I searched the California Secretary of State database for XXXX XXXX in XXXX XXXX CA and found no registered business entity under that name nor location. I provided this documentation to the credit union as additional support for my fraud claim.\n\nTo date : * I maintain that these transactions were unauthorized.\n\n* I do not recognize or have any relationship with the merchant.\n\n* The company has failed to provide evidence demonstrating authorization.\n\n* My fraud claim and appeal were denied despite my repeated requests for supporting documentation.\n\nI am requesting that the CFPB review whether the investigation conducted by the credit union complied with applicable consumer protection requirements, including obligations under the Electronic Fund Transfer Act and Regulation E regarding unauthorized electronic fund transfers and reasonable investigations of disputed transactions.","date_sent_to_company":"2026-04-30T21:46:48.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"95136","tags":null,"has_narrative":true,"complaint_id":"21767721","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-04-30T21:26:23.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I am submitting a complaint regarding two unauthorized transactions on my <em>checking</em> <em>account</em> in the amounts of approximately {$1900.00} and {$2000.00} associated with a merchant listed as XXXX XXXX. \n\nI was initially contacted by Navy Federal Credit Union and informed that these transactions appeared potentially fraudulent."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Problem with a lender or other company charging your <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[15.119871,"21767721"]},{"_index":"complaint-public-v1","_id":"18698315","_score":15.108554,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint regarding Capital Ones denial of my debit card fraud claim and their refusal to provide supporting evidence. \n\nAn unauthorized ATM withdrawal of {$1300.00} occurred on my checking account on XX/XX/XXXX. I never received, activated, or possessed the replacement debit card that Capital One states was used. I still had my prior deactivated debit card in my possession at the time of this transaction taking place. \n\nI reported the unauthorized transaction promptly on XX/XX/XXXX. Capital One initially indicated a provisional credit would be issued but later denied my claim stating only : Due to your assertion about debit card possession and transaction information. Capital One has refused to provide any evidence supporting this denial, including how the card was activated or proof that I authorized the transaction. \n\nI have made multiple requests to Capital One asking for their supporting evidence on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX without a proper response. \n\nKey facts : I never received or activated the replacement debit card. \nI did not perform the ATM withdrawal. \nI received no transaction alert for this withdrawal. \nMy last legitimate transaction was a XXXX cash deposit, which does not require a debit card. \nI discovered the fraud only when attempting to pay rent and saw my account was overdrawn. \n\nUnder Regulation E ( Electronic Fund Transfer Act ), this transaction qualifies as an unauthorized electronic fund transfer. Capital One has failed to meet its obligation to provide a reasonable investigation or supporting documentation for denial.","date_sent_to_company":"2026-01-13T22:47:51.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"92532","tags":null,"has_narrative":true,"complaint_id":"18698315","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-01-13T22:36:18.000Z","state":"CA","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I discovered the fraud only when attempting to pay rent and saw my <em>account</em> was overdrawn. \n\nUnder Regulation E ( Electronic <em>Fund</em> Transfer Act ), this transaction qualifies as an unauthorized electronic <em>fund</em> transfer. Capital One has failed to meet its obligation to provide a reasonable investigation or <em>supporting</em> <em>documentation</em> for denial."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Problem with a lender or other company charging your <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[15.108554,"18698315"]},{"_index":"complaint-public-v1","_id":"21713782","_score":15.087326,"_source":{"product":"Checking or savings account","complaint_what_happened":"On two separate occasions, unauthorized ATM withdrawals were made from my checking account at non-Wells Fargo ATMs. On XX/XX/year>, a withdrawal of {$110.00} occurred. On XX/XX/year>, a withdrawal of {$120.00} occurred. I did not make or authorize either transaction and had possession of my debit card at all relevant times. \n\nI reported both incidents to Wells Fargo and filed disputes. The bank denied the claims stating a correct PIN was used, but did not provide supporting evidence such as ATM camera footage, detailed ATM logs, or any documentation beyond PIN entry to establish authorization. \n\nThis is the second occurrence of unauthorized withdrawals, raising concerns about account security. I requested a full fraud review including ATM location, timestamp, device logs, and camera footage, but have not been provided with sufficient evidence supporting the determination of authorization. \n\nI am requesting reimbursement under Regulation E for unauthorized electronic fund transfers.","date_sent_to_company":"2026-04-29T17:09:33.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"95747","tags":null,"has_narrative":true,"complaint_id":"21713782","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-04-29T16:54:34.000Z","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 using a debit or ATM card"},"highlight":{"complaint_what_happened":["The bank denied the claims stating a correct PIN was used, but did not provide <em>supporting</em> evidence such as ATM camera footage, detailed ATM logs, or any <em>documentation</em> beyond PIN entry to establish authorization. \n\nThis is the second occurrence of unauthorized withdrawals, raising concerns about <em>account</em> security."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[15.087326,"21713782"]},{"_index":"complaint-public-v1","_id":"3439279","_score":14.880804,"_source":{"product":"Debt collection","complaint_what_happened":"XX/XX/XXXX MIDLAND FUNDING LLC removed ALL of my funds from my both my savings and checking accounts at XXXX  XXXX XXXX. They continue to do so, including my child support depict deposits. In addition to these unexpected actions, MIDLAND FUNDING LLC removed an additional {$15000.00} from my checking and an additional {$15000.00} from my Savings. I spoke in person and phone multiple times with XXXX  XXXX XXXX and they could only say this is a garnishment, appeared very uninformed themselves, and allowed this garnishment without any provided documentation proving that this is a valid garnishment. MIDLAND FUNDING LLC was then put on the phone with me ( without my knowledge or permission through XXXX  XXXX XXXX Branch Management ) and said they believe I opened a credit card in XXXX for {$2500.00} and had a court case with the credit card company called XXXX, which is false and this debt has nothing to do with me, nor do any of my credit reports show this debt. They still continue to take funds out of my accounts, including my XXXX XXXX payment. I have had zero communication with this company and there have been NO papers served to me prior to these actions about any court case. They do not have the right to take my funds out of my accounts and an additional over {$31000.00}. XXXX XXXX XXXX has not protected my funds and they also have not previously contacted me about these actions, nor have I had any communication with MIDLAND FUNDING LLC. Neither have shown any documentation proving that this garnishment is valid and why they honored the garnishment. I have formally disputed this as an invalid and false garnishment under Regulation E. I have filed a report with the XXXX Police Department Financial Crimes Division case # XXXX. XXXX   XXXX XXXX has a fiduciary duty to protect my funds. I have excellent credit and just recently obtained an auto loan and credit card with XXXX  XXXX XXXX a couple of weeks prior to these events. This is a crime and I have been wronged, my accounts are in the negative and my own funds not accessible while I'm in XXXX  and raising my daughter as a single mother. MIDLAND FUNDING LLC, after my own personal research, have multiple names and seem to illegally acting under different names. Any money removed from my accounts is not acceptable and illegal.","date_sent_to_company":"2019-11-14T07:27:25.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"78703","tags":null,"has_narrative":true,"complaint_id":"3439279","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2019-11-14T06:53:48.000Z","state":"TX","company_public_response":null,"sub_issue":"Sued you without properly notifying you of lawsuit"},"highlight":{"complaint_what_happened":["XX/XX/XXXX MIDLAND <em>FUNDING</em> LLC removed ALL of my funds from my both my savings and <em>checking</em> <em>accounts</em> at XXXX  XXXX XXXX. They continue to do so, including my child <em>support</em> depict deposits. In addition to these unexpected actions, MIDLAND <em>FUNDING</em> LLC removed an additional {$15000.00} from my <em>checking</em> and an additional {$15000.00} from my Savings."]},"sort":[14.880804,"3439279"]},{"_index":"complaint-public-v1","_id":"11418010","_score":14.844417,"_source":{"product":"Checking or savings account","complaint_what_happened":"Beginning back in XX/XX/XXXX, I began to make my first complaints about fees that were occurring as far as membership and merchant subscriptions that were cancelled. I supported documentation such as emails of subscription confirmation. I was also enrolled in an account that was offered as a free checking account after a {$25.00} initial fee of open enrollment. Yet membership fees began without notice or warning but would be credited back upon my complaint. This bank institution has performed a number of negligent and unlawful acts after a XXXX year period. ( From current year XX/XX/XXXX and back previous years ). They threatened to close my account after they stopped direct deposits from being deposited from government funding and then placed me in overdraft. The acts performed are never ending.","date_sent_to_company":"2025-01-07T04:47:57.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"52806","tags":"Servicemember","has_narrative":true,"complaint_id":"11418010","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-01-07T04:08:28.000Z","state":"IA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["I <em>supported</em> <em>documentation</em> such as emails of subscription confirmation. I was also enrolled in an <em>account</em> that was offered as a free <em>checking</em> <em>account</em> after a {$25.00} initial fee of open enrollment. Yet membership fees began without notice or warning but would be credited back upon my complaint. This bank institution has performed a number of negligent and unlawful acts after a XXXX year period. ( From current year XX/XX/XXXX and back previous years )."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[14.844417,"11418010"]},{"_index":"complaint-public-v1","_id":"18091107","_score":14.600145,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a complaint regarding an unauthorized debit card transaction on my XXXX  checking account for {$880.00} ( XXXX dated XX/XX/year>XXXX  ). I did not authorize this transaction, and no one had permission to use my card or account information. I reported the dispute promptly to XXXX. \n\nXXXX initially issued a provisional credit, but months later they reversed that credit and overdrew my account. They have not provided any documentation proving that I authorized this transaction, nor have they supplied the investigation notes or evidence required under Regulation E ( 12 CFR 1005.11 ). Instead, XXXX told me to contact the merchant directly, which is not permitted for unauthorized electronic fund transfers. The bank is legally required to investigate and resolve the issue. \n\nI requested the documentation they relied on, and they refused to provide it. Their conclusion that the transaction was authorized is not supported by any evidence, and the reversal of the provisional credit was improper. I am requesting regulatory assistance to have the transaction fully reinvestigated, receive the documentation the bank relied upon, and have my funds restored if XXXX  can not prove I authorized the transaction.","date_sent_to_company":"2025-12-03T20:21:31.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"837XX","tags":null,"has_narrative":true,"complaint_id":"18091107","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"IDAHO CENTRAL CREDIT UNION","date_received":"2025-12-03T20:08:35.000Z","state":"ID","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["I am filing a complaint regarding an unauthorized debit card transaction on my XXXX  <em>checking</em> <em>account</em> for {$880.00} ( XXXX dated XX/XX/year>XXXX  ). I did not authorize this transaction, and no one had permission to use my card or <em>account</em> information. I reported the dispute promptly to XXXX. \n\nXXXX initially issued a provisional credit, but months later they reversed that credit and overdrew my <em>account</em>."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[14.600145,"18091107"]},{"_index":"complaint-public-v1","_id":"21578301","_score":14.599733,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a complaint regarding unauthorized transactions on my Wells Fargo checking account. Multiple transactions were made that I did not authorize. I reported these transactions immediately upon discovery. \n\nWells Fargo denied my claim, stating that the transactions were authorized, but they have not provided any evidence supporting this determination. When I asked what evidence they relied on, I was not given a clear answer. \n\nI am requesting a reinvestigation under the Electronic Fund Transfer Act ( Regulation E ), as I did not make or approve these transactions. I also request that Wells Fargo provide documentation of how their investigation was conducted and what evidence they used to conclude the transactions were authorized. \n\nI am seeking reimbursement of the unauthorized transactions and proper handling of my claim in accordance with federal law.","date_sent_to_company":"2026-04-24T19:36:14.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"339XX","tags":null,"has_narrative":true,"complaint_id":"21578301","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-04-24T19:20:54.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I am filing a complaint regarding unauthorized transactions on my Wells Fargo <em>checking</em> <em>account</em>. Multiple transactions were made that I did not authorize. I reported these transactions immediately upon discovery. \n\nWells Fargo denied my claim, stating that the transactions were authorized, but they have not provided any evidence <em>supporting</em> this determination. When I asked what evidence they relied on, I was not given a clear answer."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[14.599733,"21578301"]},{"_index":"complaint-public-v1","_id":"15457630","_score":14.579671,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XX/XX/year>, my XXXX checking account was depleted of all my monies and sent to cash app, and then sent to some unknown person or a business, I don't know. As soon as I found out about this transaction I contacted my bank, consumer protection, and also cash app. Attached are supporting documents. My bank denied my claim as did cash app. In requesting proof of the denial of the transaction I did not approve of, from the Cash app, I was sent by the cash app the very transaction that I was disputing. as they're supporting evidence. When I asked for additional documentation to prove that this was a verifiable denial I received nothing, so I resubmitted my claim, with additional information to show that there was a transaction directly after the one that I did not know or approve of that was denied for lack of funding. If you please look into this situation and clarify for me why this was claim was denied and why I did not receive proof of my denial, I would really appreciate that. Thank you","date_sent_to_company":"2025-08-22T16:39:40.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"15457630","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-08-22T13:15:04.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["XX/XX/year>, my XXXX <em>checking</em> <em>account</em> was depleted of all my monies and sent to cash app, and then sent to some unknown person or a business, I don't know. As soon as I found out about this transaction I contacted my bank, consumer protection, and also cash app. Attached are <em>supporting</em> documents. My bank denied my claim as did cash app."]},"sort":[14.579671,"15457630"]},{"_index":"complaint-public-v1","_id":"21944127","_score":14.527528,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Improper Fund Holds, Account Closure, and Resulting Financial Damages PNC Bank Complaint : I am filing a complaint against PNC Bank regarding improper handling of my account, including multiple fund holds, account closure, and resulting financial harm. \nOn or about XX/XX/year>, I received the following transfers : * Two payments via XXXX * One payment via XXXX ( sent as an instant transfer ) * One payment via XXXX These transfers were expected to be available immediately or within standard processing timeframes. However, PNC placed holds on these funds without providing a clear, timely, or adequate explanation. \nAs a direct result of these actions : * My available balance was restricted despite confirmed incoming funds * A check I issued was returned due to insufficient funds caused by these holds * I incurred fees and financial penalties that would not have occurred otherwise Additionally : * PNC closed my account during this period * My funds were not made available to me over the weekend following the closure * I was left without access to my money, causing significant financial disruption PNC failed to communicate transparently or justify these actions in a reasonable manner. The handling of my account was both negligent and damaging. \n\nResolution Requested : * Reimbursement of all fees and financial damages totaling {$750.00} * Immediate release of any remaining held funds * A full written explanation for the holds and account closure * Review of PNCs handling of my account for compliance with applicable banking regulations Supporting Documentation : I have documentation supporting all transactions, fees, and resulting damages and will provide them upon request. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2026-05-06T18:57:53.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"75080","tags":null,"has_narrative":true,"complaint_id":"21944127","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2026-05-06T18:35:51.000Z","state":"TX","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["The handling of my <em>account</em> was both negligent and damaging. \n\nResolution Requested : * Reimbursement of all fees and financial damages totaling {$750.00} * Immediate release of any remaining held funds * A full written explanation for the holds and <em>account</em> closure * Review of PNCs handling of my <em>account</em> for compliance with applicable banking regulations <em>Supporting</em> <em>Documentation</em> : I have <em>documentation</em> <em>supporting</em> all transactions, fees, and resulting damages and will provide them upon request."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[14.527528,"21944127"]},{"_index":"complaint-public-v1","_id":"13338326","_score":14.426008,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2025, a fraudulent wire transfer in the amount of {$17000.00} was initiated from my Wells Fargo personal checking account through online banking. I did not authorize or initiate this transaction. I reported the fraud to Wells Fargo as soon as I discovered it. \n\nOn XX/XX/2025, Wells Fargo denied my claim, stating that the transaction complied with their internal security procedures. However, they did not provide any evidence that I approved the wire transfer. They attempted a recall of the wire, but the recipient account had already been emptied. \n\nI submitted a formal request for reconsideration, citing my rights under the Electronic Fund Transfer Act ( Regulation E ), which protects consumers in the event of unauthorized electronic transfers. I requested full reimbursement and supporting documentation used to reach their decision. As of now, I have not received a response or the requested documentation.\n\nI am requesting that Wells Fargo re-investigate this claim in compliance with Regulation E and reimburse the full {$17000.00} that was withdrawn from my account without my authorization.","date_sent_to_company":"2025-05-05T23:08:02.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"06002","tags":null,"has_narrative":true,"complaint_id":"13338326","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-05-05T22:39:59.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["They attempted a recall of the wire, but the recipient <em>account</em> had already been emptied. \n\nI submitted a formal request for reconsideration, citing my rights under the Electronic <em>Fund</em> Transfer Act ( Regulation E ), which protects consumers in the event of unauthorized electronic transfers. I requested full reimbursement and <em>supporting</em> <em>documentation</em> used to reach their decision. As of now, I have not received a response or the requested <em>documentation</em>."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[14.426008,"13338326"]},{"_index":"complaint-public-v1","_id":"20988478","_score":14.397662,"_source":{"product":"Checking or savings account","complaint_what_happened":"Company Name : Robinhood Financial / Robinhood Spending\\nProduct : Checking or savings account / Debit card\\nIssue : Problem with a purchase shown on your statement\\nSub-issue : Refund not received Complaint Description : I am filing a complaint regarding a missing refund associated with my Robinhood Spending ( debit card ) account. \nOn XX/XX/2026 ], I made a purchase in the amount of {$230.00} using my Robinhood Spending card. I later returned the partial items to the merchant, and the merchant processed a partial refund. {$190.00} ) The merchant has confirmed that the refund was successfully issued back to Robinhood on [ XX/XX/2026 ], and I have provided supporting documentation, including emails and confirmation of the refund transaction. \nAs of today, more than XXXX days have passed since the refund was processed, and the funds have still not been credited back to my account. \nI have contacted Robinhood customer support multiple times and submitted all requested documentation, including proof of refund from the merchant. Despite this, I have only received repeated responses stating that the issue would be escalated, with no resolution or timeline provided. \nThis situation represents a failure to properly investigate and resolve an electronic funds transfer issue in a timely manner, and may constitute a violation of Regulation E ( Electronic Fund Transfer Act ). \nI am requesting the following : XXXX. Immediate credit of the refunded amount of {$170.00} to my account XXXX. A full investigation into why the refund was not properly processed XXXX. Written confirmation of the resolution and steps taken to prevent this issue from recurring If this matter is not resolved promptly, I am prepared to pursue additional regulatory action. \nI have attached documentation supporting my claim, including merchant confirmation of the refund and prior communication with Robinhood support.","date_sent_to_company":"2026-04-06T21:15:45.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"91326","tags":null,"has_narrative":true,"complaint_id":"20988478","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ROBINHOOD MARKETS INC.","date_received":"2026-04-06T20:09:43.000Z","state":"CA","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":[". {$190.00} ) The merchant has confirmed that the refund was successfully issued back to Robinhood on [ XX/XX/2026 ], and I have provided <em>supporting</em> <em>documentation</em>, including emails and confirmation of the refund transaction. \nAs of today, more than XXXX days have passed since the refund was processed, and the funds have still not been credited back to my <em>account</em>."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[14.397662,"20988478"]},{"_index":"complaint-public-v1","_id":"13612103","_score":14.31323,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"To Whom It May Concern, I am writing to formally lodge a complaint against Bank of America ( BoA ) regarding an unacceptable and potentially abusive practice involving their electronic check system. \n\nOn XX/XX/year>, I issued an electronic check ( Check Number : XXXX ) in the amount of {$320.00}. To my surprise, I discovered that BoA places a hold on the funds associated with any electronic check on the due date, regardless of whether the check has actually been cashed or not. This policy results in my money being inaccessibleeven if the payee has not deposited or claimed the funds.\n\nUpon further inquiry, I was informed by BoA representatives that there are two types of electronic checks : draft and single. The single check type allegedly results in the automatic withdrawal of funds on the due date, irrespective of whether the payee completes the transaction. \n\nThere are several serious issues with this practice : Lack of Disclosure : At no point during the check issuance process does BoA provide a clear disclaimer or explanation about the difference between the two types of checks, nor are customers given a choice between them.\n\nUnjust Fund Seizure : By automatically removing funds from my account on the due datewithout confirmation of the check being deposited or cashedBoA effectively assumes control over my funds, even in cases where the payee fails to act. If the payee disappears or does not process the payment, my funds are not returned to me promptly, but instead remain with the bank.\n\nPotentially Unlawful Behavior : This practice enables BoA to hold onto customer funds without rendering a service or completing a transaction. This is not only unfair and opaque but may also violate consumer protection laws or financial regulations regarding unauthorized or premature fund transfers.\n\nThis policy appears to be another instance of abusive treatment of customers by BoA, and I request that your office investigate this matter to determine whether Bank of America is in compliance with applicable laws regarding check processing, transparency, and customer rights. \n\nPlease let me know if any further documentation is needed. I am prepared to provide screenshots, statements, or records to support my claim. \n\nThanks & regards, XXXX XXXX","date_sent_to_company":"2025-05-21T15:41:44.000Z","issue":"Confusing or missing disclosures","sub_product":"Check cashing service","zip_code":"342XX","tags":null,"has_narrative":true,"complaint_id":"13612103","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-05-21T15:23:24.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Unjust <em>Fund</em> Seizure : By automatically removing funds from my <em>account</em> on the due datewithout confirmation of the <em>check</em> being deposited or cashedBoA effectively assumes control over my funds, even in cases where the payee fails to act. If the payee disappears or does not process the payment, my funds are not returned to me promptly, but instead remain with the bank."],"sub_product":["<em>Check</em> cashing service"]},"sort":[14.31323,"13612103"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":468,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":468}]}},"product":{"doc_count":468,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":223,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":197},{"key":"Savings account","doc_count":11},{"key":"Other banking product or service","doc_count":10},{"key":"CD (Certificate of Deposit)","doc_count":5}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":54,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":39},{"key":"Other personal consumer report","doc_count":15}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":49,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mobile or digital wallet","doc_count":18},{"key":"Domestic (US) money transfer","doc_count":10},{"key":"Virtual currency","doc_count":9},{"key":"International money transfer","doc_count":7},{"key":"Money order, traveler's check or cashier's check","doc_count":3},{"key":"Check cashing service","doc_count":1},{"key":"Foreign currency exchange","doc_count":1}]}},{"key":"Mortgage","doc_count":40,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":19},{"key":"FHA mortgage","doc_count":5},{"key":"Home equity loan or line of credit (HELOC)","doc_count":5},{"key":"VA mortgage","doc_count":5},{"key":"Other type of mortgage","doc_count":2},{"key":"Reverse mortgage","doc_count":2},{"key":"Conventional fixed mortgage","doc_count":1},{"key":"Home equity loan or line of credit","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":32,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":32}]}},{"key":"Debt collection","doc_count":24,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":8},{"key":"Credit card debt","doc_count":7},{"key":"Other debt","doc_count":4},{"key":"Auto debt","doc_count":2},{"key":"Medical debt","doc_count":1},{"key":"Mortgage debt","doc_count":1},{"key":"Non-federal student loan","doc_count":1}]}},{"key":"Credit card","doc_count":19,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":19}]}},{"key":"Credit card or prepaid card","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":4},{"key":"General-purpose prepaid card","doc_count":2},{"key":"Government benefit card","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":6}]}},{"key":"Prepaid card","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose prepaid card","doc_count":2},{"key":"Government benefit card","doc_count":2}]}},{"key":"Student loan","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Private student loan","doc_count":4}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":1},{"key":"Payday loan","doc_count":1},{"key":"Personal line of credit","doc_count":1}]}},{"key":"Consumer Loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":1}]}},{"key":"Debt or credit management","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Student loan debt relief","doc_count":1}]}},{"key":"Payday loan, title loan, or personal loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":1}]}}]}},"issue":{"doc_count":468,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Managing an account","doc_count":135,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Deposits and withdrawals","doc_count":47},{"key":"Problem using a debit or ATM card","doc_count":44},{"key":"Banking errors","doc_count":18},{"key":"Funds not handled or disbursed as instructed","doc_count":12},{"key":"Problem making or receiving payments","doc_count":10},{"key":"Problem accessing account","doc_count":3},{"key":"Cashing a check","doc_count":1}]}},{"key":"Problem with a lender or other company charging your account","doc_count":41,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":37},{"key":"Money was taken from your account on the wrong day or for the wrong amount","doc_count":4}]}},{"key":"Incorrect information on your report","doc_count":36,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":22},{"key":"Account status incorrect","doc_count":7},{"key":"Account information incorrect","doc_count":3},{"key":"Old information reappears or never goes away","doc_count":2},{"key":"Information is missing that should be on the report","doc_count":1},{"key":"Public record information inaccurate","doc_count":1}]}},{"key":"Closing an account","doc_count":35,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Funds not received from closed account","doc_count":18},{"key":"Company closed your account","doc_count":16},{"key":"Can't close your account","doc_count":1}]}},{"key":"Improper use of your report","doc_count":30,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":24},{"key":"Credit inquiries on your report that you don't recognize","doc_count":6}]}},{"key":"Trouble during payment process","doc_count":17,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Payment process","doc_count":4},{"key":"Escrow, taxes, or insurance","doc_count":1}]}},{"key":"Fraud or scam","doc_count":13,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":13,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":7},{"key":"Investigation took more than 30 days","doc_count":6}]}},{"key":"Other transaction problem","doc_count":11,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Unauthorized transactions or other transaction problem","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Took or threatened to take negative or legal action","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Sued you without properly notifying you of lawsuit","doc_count":3},{"key":"Sued you in a state where you do not live or did not sign for the debt","doc_count":2},{"key":"Threatened or suggested your credit would be damaged","doc_count":2},{"key":"Collected or attempted to collect exempt funds","doc_count":1}]}},{"key":"Applying for a mortgage or refinancing an existing mortgage","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Application denials","doc_count":3},{"key":"Confusing or misleading advertising or marketing","doc_count":1}]}},{"key":"Closing on a mortgage","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closing disclosure or other related disclosures","doc_count":2}]}},{"key":"Opening an account","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive terms that were advertised","doc_count":3},{"key":"Account opened without my consent or knowledge","doc_count":2},{"key":"Unable to open an account","doc_count":2}]}},{"key":"Problem with a purchase shown on your statement","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":5},{"key":"Card was charged for something you did not purchase with the card","doc_count":2}]}},{"key":"Struggling to pay mortgage","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure","doc_count":2},{"key":"An existing modification, forbearance plan, short sale, or other loss mitigation relief","doc_count":1},{"key":"Foreclosure","doc_count":1}]}},{"key":"Closing your account","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":6}]}},{"key":"False statements or representation","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":6}]}},{"key":"Attempts to collect debt not owed","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":3},{"key":"Debt was paid","doc_count":1},{"key":"Debt was result of identity theft","doc_count":1}]}},{"key":"Problem caused by your funds being low","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Overdrafts and overdraft fees","doc_count":4},{"key":"Non-sufficient funds and associated fees","doc_count":1}]}},{"key":"Problem with a purchase or transfer","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card company isn't resolving a dispute about a purchase or transfer","doc_count":4},{"key":"Charged for a purchase or transfer you did not make with the card","doc_count":1}]}},{"key":"Advertising and marketing, including promotional offers","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Confusing or misleading advertising about the credit card","doc_count":4}]}},{"key":"Dealing with your lender or servicer","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Don't agree with the fees charged","doc_count":3},{"key":"Trouble with how payments are being handled","doc_count":1}]}},{"key":"Money was not available when promised","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":3},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":1}]}},{"key":"Trouble accessing funds in your mobile or digital wallet","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Unexpected or other fees","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Written notification about debt","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive notice of right to dispute","doc_count":3},{"key":"Didn't receive enough information to verify debt","doc_count":1}]}},{"key":"Problem when making payments","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem during payment process","doc_count":2}]}},{"key":"Problem with a company's investigation into an existing issue","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":2},{"key":"Investigation took more than 30 days","doc_count":1}]}},{"key":"Struggling to pay your loan","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan balance remaining after the vehicle is repossessed and sold","doc_count":2}]}},{"key":"Charged fees or interest you didn't expect","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Confusing or missing disclosures","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Other features, terms, or problems","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":2}]}},{"key":"Problem adding money","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problems at the end of the loan or lease","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem related to refinancing","doc_count":1},{"key":"Unable to receive car title or other problem after the loan is paid off","doc_count":1}]}},{"key":"Fees or interest","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Charged too much interest","doc_count":1}]}},{"key":"Getting a credit card","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card opened without my consent or knowledge","doc_count":1}]}},{"key":"Getting a loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Changes in terms mid-deal or after closing","doc_count":1}]}},{"key":"Loan servicing, payments, escrow account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Lost or stolen money order","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Managing the loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Repossession","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Notice to repossess","doc_count":1}]}},{"key":"Settlement process and costs","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Threatened to contact someone or share information improperly","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Talked to a third-party about your debt","doc_count":1}]}},{"key":"Unauthorized withdrawals or charges","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Wrong amount charged or received","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":468,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":461},{"key":"No","doc_count":7}]}},"company_response":{"doc_count":468,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":355},{"key":"Closed with non-monetary relief","doc_count":63},{"key":"Closed with monetary relief","doc_count":49},{"key":"Untimely response","doc_count":1}]}},"submitted_via":{"doc_count":468,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":468}]}},"company":{"doc_count":468,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"WELLS FARGO & COMPANY","doc_count":46},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":27},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":26},{"key":"Chime Financial Inc","doc_count":25},{"key":"JPMORGAN CHASE & CO.","doc_count":25},{"key":"EQUIFAX, INC.","doc_count":24},{"key":"Experian Information Solutions Inc.","doc_count":24},{"key":"CITIBANK, N.A.","doc_count":19},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":18},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":18},{"key":"Paypal Holdings, Inc","doc_count":15},{"key":"SOFI TECHNOLOGIES, INC.","doc_count":13},{"key":"TRUIST FINANCIAL CORPORATION","doc_count":9},{"key":"Resurgent Capital Services L.P.","doc_count":8},{"key":"UNITED SERVICES AUTOMOBILE ASSOCIATION","doc_count":8},{"key":"U.S. BANCORP","doc_count":7},{"key":"AMERICAN EXPRESS COMPANY","doc_count":6},{"key":"PNC Bank N.A.","doc_count":6},{"key":"Block, Inc.","doc_count":5},{"key":"TD BANK US HOLDING COMPANY","doc_count":5},{"key":"BOEING EMPLOYEES' CREDIT UNION","doc_count":3},{"key":"Bread Financial Holdings, Inc.","doc_count":3},{"key":"CITIZENS FINANCIAL GROUP, INC.","doc_count":3},{"key":"Coinbase, Inc.","doc_count":3},{"key":"ENCORE CAPITAL GROUP INC.","doc_count":3},{"key":"FIFTH THIRD FINANCIAL CORPORATION","doc_count":3},{"key":"FinCo Services Inc DBA Current","doc_count":3},{"key":"GOLDMAN SACHS BANK USA","doc_count":3},{"key":"Mr. Cooper Group Inc.","doc_count":3},{"key":"Payward Ventures Inc. dba Kraken","doc_count":3},{"key":"Relay Financial (US), Corp.","doc_count":3},{"key":"Rocket Mortgage, LLC","doc_count":3},{"key":"ALLY FINANCIAL INC.","doc_count":2},{"key":"Affirm Holdings, Inc","doc_count":2},{"key":"CLGF Holdco 1, LLC","doc_count":2},{"key":"DISCOVER BANK","doc_count":2},{"key":"Dave Operating, LLC","doc_count":2},{"key":"FISERV FINXACT CORE","doc_count":2},{"key":"Fay Servicing, LLC","doc_count":2},{"key":"Freedom Mortgage Company","doc_count":2},{"key":"HUNTINGTON NATIONAL BANK, THE","doc_count":2},{"key":"Kikoff Inc.","doc_count":2},{"key":"LEXISNEXIS","doc_count":2},{"key":"Navient Solutions, LLC.","doc_count":2},{"key":"Ocwen Financial Corporation","doc_count":2},{"key":"Portfolio Recovery Associates, LLC","doc_count":2},{"key":"ROBINHOOD MARKETS INC.","doc_count":2},{"key":"SANTANDER HOLDINGS USA, INC.","doc_count":2},{"key":"SELECT PORTFOLIO SERVICING, INC.","doc_count":2},{"key":"SYNCHRONY FINANCIAL","doc_count":2},{"key":"Southern Auto Finance Co","doc_count":2},{"key":"UMB FINANCIAL CORPORATION","doc_count":2},{"key":"Albert Corporation","doc_count":1},{"key":"AmWest Funding Corp.","doc_count":1},{"key":"AmeriHome Mortgage Company, LLC","doc_count":1},{"key":"Atlanticus Services Corporation","doc_count":1},{"key":"BMO BANK NATIONAL ASSOCIATION","doc_count":1},{"key":"Bilt Technologies, Inc.","doc_count":1},{"key":"BitGo Holdings, Inc.","doc_count":1},{"key":"Bright Capital Inc","doc_count":1},{"key":"CARD Corporation","doc_count":1},{"key":"COMMERCE BANK","doc_count":1},{"key":"Carvana Group, LLC","doc_count":1},{"key":"Credit Clearing House of America, Inc.","doc_count":1},{"key":"Ditech Financial LLC","doc_count":1},{"key":"Dovenmuehle Mortgage, Inc.","doc_count":1},{"key":"EBA,LLC","doc_count":1},{"key":"Early Warning Services, LLC","doc_count":1},{"key":"Exto Inc.","doc_count":1},{"key":"FAIR COLLECTIONS & OUTSOURCING, INC.","doc_count":1},{"key":"FIRST CITIZENS BANCSHARES, INC.","doc_count":1},{"key":"FIRST MERCHANTS CORPORATION","doc_count":1},{"key":"FIRST NATIONAL BANK OF OMAHA","doc_count":1},{"key":"FIRST NATIONAL BANK OF PENNSYLVANIA","doc_count":1},{"key":"FIRSTBANK PUERTO RICO","doc_count":1},{"key":"Fairway Independent Mortgage Corporation","doc_count":1},{"key":"First Federal Credit Control, Inc.","doc_count":1},{"key":"FirstKey Holdings, LLC","doc_count":1},{"key":"GOLDEN 1 CREDIT UNION, THE","doc_count":1},{"key":"General Motors Financial Company, Inc.","doc_count":1},{"key":"Guild Holdings Company","doc_count":1},{"key":"IDAHO CENTRAL CREDIT UNION","doc_count":1},{"key":"INDEPENDENT BANK CORP.","doc_count":1},{"key":"INDEPENDENT BANK GROUP, INC.","doc_count":1},{"key":"Incomm Holdings Inc.","doc_count":1},{"key":"KEYCORP","doc_count":1},{"key":"M&T BANK CORPORATION","doc_count":1},{"key":"MARINER FINANCE, LLC","doc_count":1},{"key":"MOHELA","doc_count":1},{"key":"MONEY SOURCE, INC., THE","doc_count":1},{"key":"MORGAN STANLEY & CO. LLC","doc_count":1},{"key":"Michael J Adams PC","doc_count":1},{"key":"Nelnet, Inc.","doc_count":1},{"key":"Netspend Corporation","doc_count":1},{"key":"PINNACLE FINANCIAL PARTNERS, INC.","doc_count":1},{"key":"Panorama Mortgage Group, LLC","doc_count":1},{"key":"REGIONS FINANCIAL CORPORATION","doc_count":1},{"key":"Receivables Performance Management, LLC","doc_count":1},{"key":"Ria Envia, LLC","doc_count":1},{"key":"SLM CORPORATION","doc_count":1},{"key":"Santander Consumer USA Holdings Inc.","doc_count":1},{"key":"Shellpoint Partners, LLC","doc_count":1},{"key":"Southwest Recovery Services, Inc.","doc_count":1},{"key":"TAYLOR MORRISON HOME FUNDING, INC.","doc_count":1},{"key":"TOYOTA MOTOR CREDIT CORPORATION","doc_count":1},{"key":"TransferWise Ltd","doc_count":1},{"key":"WAFD BANK","doc_count":1},{"key":"WLCC","doc_count":1},{"key":"Winklevoss Exchange LLC","doc_count":1},{"key":"Ygrene Energy Fund Inc.","doc_count":1}]}},"state":{"doc_count":468,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CA","doc_count":63},{"key":"FL","doc_count":63},{"key":"TX","doc_count":49},{"key":"AZ","doc_count":27},{"key":"GA","doc_count":26},{"key":"NY","doc_count":25},{"key":"IL","doc_count":19},{"key":"MD","doc_count":18},{"key":"NC","doc_count":17},{"key":"MI","doc_count":16},{"key":"PA","doc_count":15},{"key":"WA","doc_count":13},{"key":"VA","doc_count":11},{"key":"AL","doc_count":9},{"key":"MO","doc_count":9},{"key":"OH","doc_count":9},{"key":"SC","doc_count":9},{"key":"MA","doc_count":8},{"key":"NJ","doc_count":7},{"key":"DC","doc_count":6},{"key":"CO","doc_count":4},{"key":"CT","doc_count":4},{"key":"MN","doc_count":4},{"key":"NV","doc_count":4},{"key":"IA","doc_count":3},{"key":"OK","doc_count":3},{"key":"RI","doc_count":3},{"key":"AR","doc_count":2},{"key":"DE","doc_count":2},{"key":"ID","doc_count":2},{"key":"IN","doc_count":2},{"key":"ME","doc_count":2},{"key":"NM","doc_count":2},{"key":"LA","doc_count":1},{"key":"MT","doc_count":1},{"key":"NH","doc_count":1},{"key":"OR","doc_count":1},{"key":"PR","doc_count":1},{"key":"TN","doc_count":1},{"key":"WI","doc_count":1},{"key":"WY","doc_count":1}]}},"company_public_response":{"doc_count":468,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":183},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":27},{"key":"Company chooses not to provide a public response","doc_count":2},{"key":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","doc_count":1},{"key":"Company believes complaint is the result of an isolated error","doc_count":1},{"key":"Company believes complaint represents an opportunity for improvement to better serve consumers","doc_count":1},{"key":"Company believes the complaint provided an opportunity to answer consumer's questions","doc_count":1}]}},"tags":{"doc_count":468,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":46},{"key":"Older American","doc_count":21},{"key":"Older American, Servicemember","doc_count":4}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[14.31323,"13612103"],"3":[13.309761,"11445134"],"4":[12.543837,"21113201"],"5":[12.0364895,"4715269"],"6":[11.281713,"16239671"],"7":[10.70612,"20115897"],"8":[10.2161045,"3828590"]}}}