{"took":155,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":593,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"15021280","_score":22.039871,"_source":{"product":"Checking or savings account","complaint_what_happened":"Back in XXXX I was trying to pay my USAA credit card but instead I paid my insurance bill. I contacted USAA and explained to them that it was a mistake. USAA adjusted my payment and paid the correct account. It was XXXX dollars I think. Well a week ago They took the provisional credit back which caused my savings account to go XXXXXXXX once again I contacted USAA and was told that it was a mistake. That they would adjust it and it would take 1 business day. Well it never was fixed. From there I called again and was told it would take 2-3 days. Wasnt fixed called again. Said it would be another 2-3 business day before this could get fixed. I keep getting the run around. They admitted in writing it was a mistake on their end and its also in writing that I would have my account back to positive balance. It was been over a week. Nothing left USAA no one will talk to me that can fix the issue or Im being told that","date_sent_to_company":"2025-08-02T23:54:50.000Z","issue":"Problem caused by your funds being low","sub_product":"Savings account","zip_code":"37917","tags":"Servicemember","has_narrative":true,"complaint_id":"15021280","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2025-08-02T23:39:45.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["From there I called again and was told it would <em>take</em> 2-3 <em>days</em>. Wasnt <em>fixed</em> called again. Said it would be another 2-3 business day before this could get <em>fixed</em>. I keep getting the run around. They admitted in writing it was a mistake on their end and its also in writing that I would have my account back to positive balance. It was <em>been</em> <em>over</em> a <em>week</em>. Nothing left USAA no one will talk to me that can fix the issue or Im being told that"]},"sort":[22.039871,"15021280"]},{"_index":"complaint-public-v1","_id":"5158696","_score":21.874556,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian is terrible. I need some help dealing with them. \nIve been informing Experian that a split pin in their system has prevented lenders from obtaining my report. Most recently, Ive, over the past week, spent at least five hours trying to get them to fix the problem. In the most recent of many calls made this week, I demanded, in a confrontation that left me shaken, to speak with a supervisor. XXXX, after some time, spoke with me. She asked me to fax a document to Experian, which I did, and told me the problem would then be fixed, the two names they have listed in my social security number would be merged, in three to five days, but it probably only take two.\n\nI received an email from Experian today telling me the problem was resolved and the problem fixed. I, excitedly, logged into to my account to findnothing has been changed, nothing has been fixed. \nThis is absurd. Its not fair that this big company has so much power over my life, treat me unjustly and harm me by making and then refusing to correct a mistake and I have no available recourse. This is a bad system. Experian is a bad company.","date_sent_to_company":"2022-01-27T21:05:27.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"05452","tags":null,"has_narrative":true,"complaint_id":"5158696","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-01-27T21:01:35.000Z","state":"VT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["She asked me to fax a document to Experian, which I did, and told me the problem would then be <em>fixed</em>, the two names they have listed in my social security number would be merged, in three to five <em>days</em>, but it probably only <em>take</em> two.\n\nI received an email from Experian today telling me the problem was resolved and the problem <em>fixed</em>. I, excitedly, logged into to my account to findnothing has <em>been</em> changed, nothing has <em>been</em> <em>fixed</em>. \nThis is absurd."]},"sort":[21.874556,"5158696"]},{"_index":"complaint-public-v1","_id":"2570572","_score":20.141806,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I subscribe to several credit monitoring services. In XX/XX/XXXX I stopped getting any updates on my reports from Equifax. I called Equifax in XX/XX/XXXX to find out what the problem was but they could n't help ask me. In an attempt to troubleshoot the problem I attempted to sign up for Equifax credit monitoring service however I was unable to so I called to ask why and they did n't know. I spent a bit of time on the internet and came to believe that my inability to access my Equifax report was most likely due to my having too many soft inquiries on my credit report. OnXX/XX/XXXX I  called Equifax and told them what I suspected the problem was, they agreed with my assessment and said they would send the issue to the technical depart to have the excess soft inquiries removed. I was given a case number which is : XXXX. I was told the problem would be fixed in 7 to 10 days. After 10 days had passed and it was n't fixed I called to see what was going on and I was told it takes 7 to 10 business days to have problems fixed. I called again today ( it 's been over 10 business days now ) and was told it has n't been fixed and they ca n't tell me when it will be. I have spent about 2 1/2 hours on the phone with them over the past few weeks and I am very frustrated. I want to apply for credit and I am unable to because of this problem. I told them this and it does n't seem to matter to them.","date_sent_to_company":"2017-07-11T13:51:04.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"015XX","tags":null,"has_narrative":true,"complaint_id":"2570572","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-07-11T13:14:42.000Z","state":"MA","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["I called again today ( it 's <em>been</em> <em>over</em> 10 business <em>days</em> now ) and was told it has n't <em>been</em> <em>fixed</em> and they ca n't tell me when it will be. I have spent about 2 1/2 hours on the phone with them <em>over</em> the past few <em>weeks</em> and I am very frustrated. I want to apply for credit and I am unable to because of this problem. I told them this and it does n't seem to matter to them."]},"sort":[20.141806,"2570572"]},{"_index":"complaint-public-v1","_id":"8360530","_score":19.779278,"_source":{"product":"Mortgage","complaint_what_happened":"This mortgage was sold to \" Select Portfolio Servicing, inc, from XXXX XXXX XXXX XXXX \nThey took over on XXXX XXXX, XXXX. We have been calling Select Portfolio, every XXXX weeks to get our Homeowners insurance paid by XX/XX/XXXX. \nThey keep saying its under \" review ''!. We made a payment to XXXX XXXX XXXX ourselves to avoid cancelation of this policy! We have been with this company for almost 35 years. \nWe were told on XXXX XXXX, XXXX by a XXXX with \" Select '', that he understood the problem and it would take 3 to 5 days to get this problem fixed and payment made. \nThis policy will cancel on XX/XX/XXXX if Select Portfolio does not make payment. \nThey are currectly holding over XXXX XXXX XXXX in escrow for a {$4100.00} insurance payment. \nThis is placing a hardship on our family, through financial, and extreme stress!","date_sent_to_company":"2024-02-16T22:44:36.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"07006","tags":null,"has_narrative":true,"complaint_id":"8360530","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SELECT PORTFOLIO SERVICING, INC.","date_received":"2024-02-16T22:27:24.000Z","state":"NJ","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Escrow, taxes, or insurance"},"highlight":{"complaint_what_happened":["We were told on <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> by a <em>XXXX</em> with \" Select '', that he understood the problem and it would <em>take</em> 3 to 5 <em>days</em> to get this problem <em>fixed</em> and payment made. \nThis policy will cancel on XX/XX/<em>XXXX</em> if Select Portfolio does not make payment. \nThey are currectly holding <em>over</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> in escrow for a {$4100.00} insurance payment. \nThis is placing a hardship on our family, through financial, and extreme stress!"]},"sort":[19.779278,"8360530"]},{"_index":"complaint-public-v1","_id":"3880987","_score":19.445717,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Hello my name is XXXX XXXX. I have a usbank reliacard. My card was locked XX/XX/XXXX. I have been contacting relicard customer service to get this fixed, I was told to fax a copy of my ID, drivers license and the reliacard number. I did all that and waited two weeks. Called them back and they said there was no fax ever received. So then I uploaded the documents on their website. I was told my an agent that the documents are now attached to my account and that it would take 5 business days for them to review it an unlock my account. It has been 5 business days and I am now being told my account is not unlocked an could take up to a month. I have bills to pay. I will loose my home. This account has already been locked for over a month. Please help. Usbank reliacard has  been given all the proof of my information. Every agent I talk to makes up more lies an just says to wait. I cant keep waiting.","date_sent_to_company":"2020-10-07T20:35:15.000Z","issue":"Trouble using the card","sub_product":"Government benefit card","zip_code":"157XX","tags":null,"has_narrative":true,"complaint_id":"3880987","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2020-10-05T17:34:25.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trouble using the card to pay a bill"},"highlight":{"complaint_what_happened":["I was told my an agent that the documents are now attached to my account and that it would <em>take</em> 5 business <em>days</em> for them to review it an unlock my account. It has <em>been</em> 5 business <em>days</em> and I am now being told my account is not unlocked an could <em>take</em> up to a month. I have bills to pay. I will loose my home. This account has already <em>been</em> locked for <em>over</em> a month. Please help. Usbank reliacard has  <em>been</em> given all the proof of my information."]},"sort":[19.445717,"3880987"]},{"_index":"complaint-public-v1","_id":"12513261","_score":19.099325,"_source":{"product":"Checking or savings account","complaint_what_happened":"This complaint is against Capital One. I have been unable to access my bill pay account several times in the last month. It was down for XXXX  days a few weeks ago. When capital one claimed they fixed the account, they deleted vendors from my account. They duplicated vendors. They sent out multiple checks in the incorrect amounts to the wrong vendors. XXXX hours on the phone being told there was nothing they can do to stop payment on checks they mailed out to the wrong vendors in the wrong amount. They paid XXXX XXXX {$550.00} when they were owed {$320.00}. They just deleted XXXX who were supposed receive the {$550.00}. Now, XXXX weeks later bill pay down again for XXXX  days. When I called I was told it will take another XXXX  days to fix. Its a business account! I want the account closed immediately. I transferred all funds over to personal checking, so thus business account can be closed. I was told they cant give me list of payees or account numbers. Its list in their system. They should be fined for their gross incompetence!","date_sent_to_company":"2025-03-17T18:42:16.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"11566","tags":null,"has_narrative":true,"complaint_id":"12513261","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-03-17T18:28:07.000Z","state":"NY","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["They paid <em>XXXX</em> <em>XXXX</em> {$550.00} when they were owed {$320.00}. They just deleted <em>XXXX</em> who were supposed receive the {$550.00}. Now, <em>XXXX</em> <em>weeks</em> later bill pay down again for <em>XXXX</em>  <em>days</em>. When I called I was told it will <em>take</em> another <em>XXXX</em>  <em>days</em> to fix. Its a business account! I want the account closed immediately. I transferred all funds <em>over</em> to personal checking, so thus business account can be closed. I was told they cant give me list of payees or account numbers. Its list in their system."]},"sort":[19.099325,"12513261"]},{"_index":"complaint-public-v1","_id":"3412792","_score":18.743635,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX I went to a local bar. Ordered food and drinks. The bill came to XXXX. I handed them my credit card. When I signed the slip to return to the bar. I wrote in to add a {$5.00} tip. The next day the owner called me and said the bartender accidentally made the tip {$120000.00}. They said they would contact their merchant and stop the transaction. My account limit is only {$8500.00}. I figured it would get declined if they didnt get it stopped. The bar called me the next day claiming it was fixed. Three days later it posted and was approved. I saw it using my credit card app. So I called the company and disputed it. Obviously. The next day XX/XX/XXXX. The credit card company and the bar both returned the {$120000.00}. So now my credit card showed negative. I contacted my credit card company again to fix the problem. It took till XX/XX/XXXX for them to rebill me. However they processed it twice. So it was two {$120000.00} chargers on my account. Showing again for the second time that I owed {$120000.00}. I called my credit card company back again. They saw the issue and said they were fixing it. I should see it in 3-5 days. It wasnt fixed. So I called again. I talked to their manager. She said she fixed it. I was on hold for over 30 minutes. I was told I should keep checking my transactions to see it was corrected. Again ... after another week it was not. XX/XX/XXXX it still has not been fixed after calling many many times. I now received and email from credit karma. Because of such a high balance and over my limit on a credit card. My score went from a XXXX to a XXXX. Right while I am in the process of buying a home. I called the credit card company on the XXXX of XXXX. To talk to the highest superior in the building. After over an hour. They reassured me that it was fixed and I should see it in 3-5 days .... they would not send me proof in paper or email of it. They also said they sent a dispute to the credit bureau. But that will take 30-90 days before they even look at it. All I did was buy dinner. And this company has been ruining my life with not getting anything done. My credit card is locked bc it claims I owe {$120000.00}. And now my credit is ruined and I lost the house I tried to buy. This needs fixed and no one is willing to do anything about it.","date_sent_to_company":"2019-10-21T04:31:20.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"166XX","tags":null,"has_narrative":true,"complaint_id":"3412792","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2019-10-21T04:08:32.000Z","state":"PA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I should see it in 3-5 <em>days</em>. It wasnt <em>fixed</em>. So I called again. I talked to their manager. She said she <em>fixed</em> it. I was on hold for <em>over</em> 30 minutes. I was told I should keep checking my transactions to see it was corrected. Again ... after another <em>week</em> it was not. XX/XX/<em>XXXX</em> it still has not <em>been</em> <em>fixed</em> after calling many many times. I now received and email from credit karma. Because of such a high balance and <em>over</em> my limit on a credit card. My score went from a <em>XXXX</em> to a <em>XXXX</em>."]},"sort":[18.743635,"3412792"]},{"_index":"complaint-public-v1","_id":"3121739","_score":18.721344,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/18 I did a balance transfer with them and they did a double transfer on two of my credit cards that I wanted paid off. This has been over a month ago now and not resolved. I talked to a manager in late XXXX and she assured me it would be fixed in 2 weeks. Never happened. Talked to another manager in XXXX she assured me it would be fixed and she would call me back in 24-48 hours. Never happened and she never called back. Talked to another manager in XXXX and he said it takes 30 days to fix. Again, that never happened. Filed a XXXX complaint and was contacted by XXXX but I wasn't available to talk to her so she left her name and number. I called her back yesterday and today and left messages to call back and that never happened. Meanwhile the credit card that I have with them is over the limit and I'm sure will be reported and my credit score will be destroyed. On top of that the minimum payment that I was supposed to pay is much more than I would have to pay because of this mistake. Needless to say this is all very frustrating and I need help quickly before my payment is due on the 16th if at all possible. Thank you.","date_sent_to_company":"2019-01-10T21:37:21.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"99207","tags":null,"has_narrative":true,"complaint_id":"3121739","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2019-01-10T21:15:31.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with balance transfer"},"highlight":{"complaint_what_happened":["On <em>XX/XX</em>/18 I did a balance transfer with them and they did a double transfer on two of my credit cards that I wanted paid off. This has <em>been</em> <em>over</em> a month ago now and not resolved. I talked to a manager in late <em>XXXX</em> and she assured me it would be <em>fixed</em> in 2 <em>weeks</em>. Never happened. Talked to another manager in <em>XXXX</em> she assured me it would be <em>fixed</em> and she would call me back in 24-48 hours. Never happened and she never called back."]},"sort":[18.721344,"3121739"]},{"_index":"complaint-public-v1","_id":"5027146","_score":18.674423,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Mortgage company is inaccurately reporting late payments during forbearance/modification process My mortgage was sold to a different company while I was on a covid forbearance plan. The new company immediately reported the loan as over 180 days past due. They admitted it was a mistake and said they did it to a bunch of clients by accident. However, its not been fixed. In fact it was reported a second time and has taken my score from an XXXX to a XXXX. I was planning to buy my daughter a car for her bday in 2 weeks and now I cant. I have disputed it but it is still processing. \nTimeline : First notification of negative reporting received XXXX XXXX. They told me it would be fixed and that it had happened to a bunch of their customers. \nXX/XX/XXXX I called back because it was still not fixed. They said it had been fixed on the XXXX ( the day before ) but then said they send the batches of corrections on fridays, so it would be updated by XX/XX/XXXX. \nOn XX/XX/XXXX, I received a notification that it was reported late again and my score dropped even lower and it still remains showing late on all 3 credit reports. \nI called again today, XX/XX/XXXX, and spoke to XXXX XXXX, he again said they fixed it on the XXXX but didnt know why it was reported late still. He tried to help but didnt really have any answers. He escalated the issue and requested an email be sent to me stating it was a reporting error but that the email could take 30 days to receive. \nThey have destroyed my credit so badly that I cant do anything. I had excellent credit and no late payments before. It has also done the same thing to my husbands credit since this is a joint mortgage account. \nI asked this question on XXXX and an attorney said it would be a good class action lawsuit. I just want my credit fixed they have literally caused me to put a hold on all my financial plans. The company name is Community Loan Servicing, LLC","date_sent_to_company":"2021-12-20T20:34:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"335XX","tags":null,"has_narrative":true,"complaint_id":"5027146","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)","date_received":"2021-12-20T20:28:03.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["The new company immediately reported the loan as <em>over</em> 180 <em>days</em> past due. They admitted it was a mistake and said they did it to a bunch of clients by accident. However, its not <em>been</em> <em>fixed</em>. In fact it was reported a second time and has taken my score from an <em>XXXX</em> to a <em>XXXX</em>. I was planning to buy my daughter a car for her bday in 2 <em>weeks</em> and now I cant. I have disputed it but it is still processing. \nTimeline : First notification of negative reporting received <em>XXXX</em> <em>XXXX</em>."]},"sort":[18.674423,"5027146"]},{"_index":"complaint-public-v1","_id":"8872723","_score":18.600393,"_source":{"product":"Credit card","complaint_what_happened":"I enrolled in a payment program with Amex on XX/XX/XXXX. They requested I made a payment that would be for the month of XXXX. They confirmed as I asked that the payment was for XXXX and no other payment would be required until XXXX. \nOn XX/XX/XXXX I noticed my account saying I had a payment due for XXXX so I contacted them, they told me the system would take some days to reflect my payment. From there on, I contacted Amex 2-3 a week and every time they confirmed my payment for XXXX was done and the system was having a glitch, would fix itself and so forth. \nAfter the due date I started getting emails saying I missed my payment and the system doubled my payment for XXXX. I contacted Amex, again they said was a system error. \nFinally they said the person that took my payment posted it before my statement close date and they should have waited a day. They said another department had to fix it and would call me in 3-4 days. It's been over 2 weeks since that and I already called Amex another 5-6 times since as I never got a call. Every time they say the same, they are escalating and someone will call me in 1 days, 2-3 days, 3-5 days.. and I never get a call. I am exhausted and this is unacceptable in every possible way. I first told them about the issue on XX/XX/XXXX, it will be a month next week and they have lead me on, given me wrong information and I have spent over 15-20 hours on calls and chats with them. Will they compensate my for all the hours I have used due to their lack of competence? This issue should have been fixed when I first brought it up to their attention.","date_sent_to_company":"2024-04-26T19:12:19.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"346XX","tags":null,"has_narrative":true,"complaint_id":"8872723","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-04-26T19:00:49.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["I first told them about the issue on XX/XX/<em>XXXX</em>, it will be a month next <em>week</em> and they have lead me on, given me wrong information and I have spent <em>over</em> 15-20 hours on calls and chats with them. Will they compensate my for all the hours I have used due to their lack of competence? This issue should have <em>been</em> <em>fixed</em> when I first brought it up to their attention."]},"sort":[18.600393,"8872723"]},{"_index":"complaint-public-v1","_id":"1705356","_score":18.557575,"_source":{"product":"Student loan","complaint_what_happened":"We ( my son & I - as co-signer ) have XXXX loans w/ Sallie Mae XXXX \nLast month - they took the XXXX payments sent ( XXXX check for each loan ) and applied them both to the same loan. In their system - this triggered a 'Late Payment ' on the XXXX loan that received 'no payment ' and started an incessant series of phone calls to both my son & I. \n\nTheir error was pointed out to them within a week and - despite the promise of the error being corrected on their end.. the phone calls kept coming ( XXXX - XXXX calls per day.. to both of us! ) Two weeks later.. we were still getting the calls and the payment error ( that THEY made ) had still not been corrected. \n\nI call again ( I 've now been on the phone with these people for over an hour ) and I finally get an assurance that the error will be will fixed within 24 hours ~and~ that the calls will stop. \nThe error is fixed ( although it takes 3 days to do so ) - but the calls continue until their system shows the payment corrected. \n\nNow - just a week after THAT issue is cleared - I just found out that they did the same thing to the most recent payment ( s ) ~and~ I was charged a 'late fee ' on the account that THEY screwed up last month! \n\nI am now faced with, yet another, unending series of calls and - as I told them during the last phone call.. I consider these calls to be Harassment! \nAside from filing a complaint with ConsumerFinance.gov - do I have any legal recourse against them?","date_sent_to_company":"2015-12-17T19:14:01.000Z","issue":"Dealing with my lender or servicer","sub_product":"Non-federal student loan","zip_code":"08016","tags":null,"has_narrative":true,"complaint_id":"1705356","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SLM CORPORATION","date_received":"2015-12-17T19:14:01.000Z","state":"NJ","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Trouble with how payments are handled"},"highlight":{"complaint_what_happened":["I call again ( I 've now <em>been</em> on the phone with these people for <em>over</em> an hour ) and I finally get an assurance that the error will be will <em>fixed</em> within 24 hours ~and~ that the calls will stop. \nThe error is <em>fixed</em> ( although it <em>takes</em> 3 <em>days</em> to do so ) - but the calls continue until their system shows the payment corrected."]},"sort":[18.557575,"1705356"]},{"_index":"complaint-public-v1","_id":"8183356","_score":18.379074,"_source":{"product":"Credit card","complaint_what_happened":"XX/XX/XXXX : I received a call from Chase Fraud Services that notified my Chase Card had been closed incorrectly. The reasoning was that someone called in stating a card came in ( my card ) was opened incorrectly under their account. Chase then disabled my card without confirming my identity or notifying me prior. I was only called to be told they made a mistake and I needed to take actions to reopen my card. The Fraud Team then sent me to the Recovery team where I was asked to send documentation to XXXX. I completed the step by sending over my ID. \n\nXX/XX/XXXX : At this point, I started recording a few of my calls and called back with questions since I was shocked the previous day. The Fraud Department then transfers me over to the Recovery Team which has not been very helpful. I requested Fraud Department Complaint ID : XXXX and was never updated on how this issue would be fixed or resolved. \n\nRegarding my card 's reinstatement, I was told I'd get a call back within a few days as a followup and never did. After the new year started, I gave them over a week before I followed up. \n\nXX/XX/XXXX : I gave another call but did not write down my notes as they told me the process can take 2-3 weeks and to give them a call back by XX/XX/XXXX if there's been no changes. \n\nXXXX : Before XX/XX/XXXX, I wanted to confirm my request has made some progress but it was still on hold \" In Review '' and now it can take 30-60 days. I requested to get added onto the email chain to get my account escalated but was told I am unable to since it's an internal tool. \n\nXX/XX/XXXX : I recalled and now the review can take up to 90 days .... and no one from the Recovery department can help me contact the person reviewing my case. \n\nThis has been a frustrating process as my account was closed incorrectly and I really want access to my points that were on the card ( XXXX ) .... \n\nI have attached the recording from XX/XX/XXXX to this report. Thank you to the person who reviews this.","date_sent_to_company":"2024-01-19T20:00:13.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"941XX","tags":null,"has_narrative":true,"complaint_id":"8183356","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-01-19T18:38:14.000Z","state":"CA","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Regarding my card 's reinstatement, I was told I'd get a call back within a few <em>days</em> as a followup and never did. After the new year started, I gave them <em>over</em> a <em>week</em> before I followed up. \n\nXX/XX/<em>XXXX</em> : I gave another call but did not write down my notes as they told me the process can <em>take</em> 2-3 <em>weeks</em> and to give them a call back by XX/XX/<em>XXXX</em> if there's <em>been</em> no changes."]},"sort":[18.379074,"8183356"]},{"_index":"complaint-public-v1","_id":"10751029","_score":18.183237,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Hi, TransUnion has been doing illegal things to me over the last 15 yrs! if i get one inquiry they take XXXX to XXXX points off my score .... or like today they took XXXX points off my score for Because of 2 remarks being removed offmy credit. its no fair for a student loan place to change remarks every week and im losing XXXX points a week. not one soul in American lost XXXX point to XXXX points every month. it's a glitch in the system or they are. They just corrected the XXXX points and then two days later they took back XXXX of the points. \nafter telling you guys, they fixed the issue. I strongly feel im being discriminating against me as an XXXX XXXX  woman. I asked around to multiple people over the last 15 yrs and out of 300 people no one losses XXXX to XXXX. please restore my points AND the other ones i was cheated out of. im XXXX yrs old a XXXX XXXX  a hard worker and all my life i have never had a credit score over XXXX!!! im working my XXXX off to raise it for years and they give me nothing. I paid off 99 % with less than {$100.00} to go... ..of my car note i gain XXXX pounts for paying XXXX. thats not fair WHERE IS MY POINTS I DESERVE","date_sent_to_company":"2024-11-11T15:59:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60076","tags":null,"has_narrative":true,"complaint_id":"10751029","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-11T15:46:25.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Hi, TransUnion has <em>been</em> doing illegal things to me <em>over</em> the last 15 yrs! if i get one inquiry they <em>take</em> <em>XXXX</em> to <em>XXXX</em> points off my score .... or like today they took <em>XXXX</em> points off my score for Because of 2 remarks being removed offmy credit. its no fair for a student loan place to change remarks every <em>week</em> and im losing <em>XXXX</em> points a <em>week</em>. not one soul in American lost <em>XXXX</em> point to <em>XXXX</em> points every month. it's a glitch in the system or they are."]},"sort":[18.183237,"10751029"]},{"_index":"complaint-public-v1","_id":"14418670","_score":17.89451,"_source":{"product":"Mortgage","complaint_what_happened":"Starting with XX/XX/XXXX I contacted loancare servicing about my leins from hud and told them they had a duplicate that they had done by mistake in XXXX and that I needed them to release it because we never got payment for this amount twice then they said they needed to investigate it and it would take 3 to 5 business days in which case was on track for our XX/XX/XXXX close they never got back to me and I called several times over the next XXXX weeks because we couldn't close with it lingering on my report. Meanwhile they were hounding me for payment of my loan late fees and telling me they were going to put a late on my credit report all while this loan should have been closed and paid but no we were waiting on them and every time I talked to them they kept saying it's being reviewed over and over and then finally on XX/XX/XXXX they said the release had been sent to hud nut that the department had till the XXXX to finalize it and to this day still nothing from them and hud said same thing too meanwhile there charging me my loan with interest and late fees for something that is there fault and wasn't fixed in a timely manner.","date_sent_to_company":"2025-07-02T20:15:25.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"774XX","tags":"Servicemember","has_narrative":true,"complaint_id":"14418670","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LoanCare, LLC","date_received":"2025-07-02T19:56:28.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Lien release"},"highlight":{"complaint_what_happened":["Starting with XX/XX/<em>XXXX</em> I contacted loancare servicing about my leins from hud and told them they had a duplicate that they had done by mistake in <em>XXXX</em> and that I needed them to release it because we never got payment for this amount twice then they said they needed to investigate it and it would <em>take</em> 3 to 5 business <em>days</em> in which case was on track for our XX/XX/<em>XXXX</em> close they never got back to me and I called several times <em>over</em> the next <em>XXXX</em> <em>weeks</em> because we couldn't close with it lingering on"]},"sort":[17.89451,"14418670"]},{"_index":"complaint-public-v1","_id":"8765003","_score":17.784939,"_source":{"product":"Credit card","complaint_what_happened":"Ive been receiving offers from citi for a couple of weeks now through mail, email, and platforms like XXXX XXXX. I we by through XXXX XXXX after seeing there offer of XXXX XXXX for 24 months. I applied and was approved for XXXX limit I was then prompted to fill out account number and amount to the creditors and as I was filling it out the page refreshed I was then prompted to login but after logging in the balance transfer option has not been allowing me to request the transfer. It prompts me to call customer service. The first time I called they told me to wait a couple days and it would be fixed but no, the issue persisted, I then called a 2nd time and was told the rep can take this information over the phone but I could not give the card details since I thought she would fix this for me- I told her Id call back once I was better prepared, I called a third time and was told that I had to wait for my card to arrive, again I called and they told me this can on my be done online 14 days after opening the acct. no one has been able to help me and I feel like I was tricked to signing up for this promotion and now I can not take advantage of the promotion. Time is ticking and I have a certain amount of time to submit the balance transfer request before Im not able to no more. The chat feature hasnt been any help either. Please help me. I just want to take advantage of the promotion.","date_sent_to_company":"2024-04-14T04:01:50.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"84118","tags":null,"has_narrative":true,"complaint_id":"8765003","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-04-14T03:50:25.000Z","state":"UT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["The first time I called they told me to wait a couple <em>days</em> and it would be <em>fixed</em> but no, the issue persisted, I then called a 2nd time and was told the rep can <em>take</em> this information <em>over</em> the phone but I could not give the card details since I thought she would fix this for me- I told her Id call back once I was better prepared, I called a third time and was told that I had to wait for my card to arrive, again I called and they told me this can on my be done online 14 <em>days</em> after opening the acct."]},"sort":[17.784939,"8765003"]},{"_index":"complaint-public-v1","_id":"7281094","_score":17.770126,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I signed up for a Costco Membership as well as a Costco Anywhere Visa Card by Citi. I registered my account but was initially unable to log in. After troubleshooting on my own for a week, I called Citi Bank and was told it was an authentication error on their side. The customer service representative I spoke to said that they reset my account and that after 24 hours I should be able to register again and then log in.\n\nAfter waiting 24 hours, I was unable to reset my card. During the following weeks, I would continuously contact Citi Bank customer service and request assistance with this issue. For most of these conversations, I was told that a ticket was opened under my account to address the issue and that it should be fixed. Every time I contacted Citi Bank, I was advised to wait and try again after a certain amount of time. The second to last time I contacted them, I was told to wait a little over a week, and that I would receive an email confirmation that the ticket was resolved. \n\nDuring this time I also tried to pay off my credit card statement over the phone, and I was initially told that I was unable to do so because they were unable to find the routing number of the credit union I use. This was eventually corrected on a different call, but was still troubling. \n\nHowever, the registration issue persisted. On XX/XX/XXXX around XXXX XXXX several weeks after I first reported the issue and reached out to Citi Bank customer service, I was able to speak to a supervisor. Her name was XXXX, and she informed me that there was in fact no ticket associated with my account and that the only way to proceed was waiting 7 days to confirm my identity. At this point, my statement was due in 7 days, and she told me that I had no other options and that there was nothing that Citi Bank could do. \n\nThis completely went against the previous information that Citi Bank had told me. The customer service that I've experienced has been the most unprofessional and unreliable I have ever experienced. Between the misinformation and miscommunication, I feel that this is a completely unreliable credit card service provider. I have spent close to 8 hours on the phone with Citi Bank customer service, and no solutions were found during this. This was not something that I did wrong, which the representatives I spoke to confirmed. This was an issue caused by Citi Bank, that they did not resolve, despite telling me it would soon be fixed. It should not take over a month and several frustrating phone calls to simply register for an account. \n\nI was also notified that there may be fraudulent activity on my account, but I have no way to confirm this. Even over the phone, I was told nothing. To me, this is completely unacceptable.","date_sent_to_company":"2023-07-20T19:29:48.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"41017","tags":null,"has_narrative":true,"complaint_id":"7281094","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-07-20T19:04:41.000Z","state":"KY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Delay in processing application"},"highlight":{"complaint_what_happened":["This was an issue caused by Citi Bank, that they did not resolve, despite telling me it would soon be <em>fixed</em>. It should not <em>take</em> <em>over</em> a month and several frustrating phone calls to simply register for an account. \n\nI was also notified that there may be fraudulent activity on my account, but I have no way to confirm this. Even <em>over</em> the phone, I was told nothing. To me, this is completely unacceptable."]},"sort":[17.770126,"7281094"]},{"_index":"complaint-public-v1","_id":"7727093","_score":17.644676,"_source":{"product":"Credit card","complaint_what_happened":"In XX/XX/2023 I called to cancel my XXXX XXXX XXXX Credit card as it has a {$99.00} annual fee and I dont use it. They convinced me to take a lower card with no annual fee. I was told I would get a new card and dont pay the {$99.00}. I received my next statement with the {$99.00} annual fee. I was told again, do not pay it. I then started getting future statements with the {$99.00}, late fees and interest. I have spent 3 1/2 months calling and they credited almost all of it except for an interest balance of {$6.00}. I called the past 2 weeks and spent over 55 mins on each phone call, still not fixed. My problem has been transferred to supervisor etc, but Im getting no where. Every time I call Im told it will definitely be fixed in 5-7 business days. I receive daily phone calls ; emails and texts stating I have a past due credit card bill. Im at a loss and Im sure I will start getting late fees soon on this amount. The situation has actually become harassment as I receive notifications every day about this past due bill. I have excellent credit and dont need it ruined by something like this. I have several credit cards and I have never been through anything like this.","date_sent_to_company":"2023-10-20T16:20:20.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"109XX","tags":null,"has_narrative":true,"complaint_id":"7727093","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-10-19T22:52:23.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["I called the past 2 <em>weeks</em> and spent <em>over</em> 55 mins on each phone call, still not <em>fixed</em>. My problem has <em>been</em> transferred to supervisor etc, but Im getting no where. Every time I call Im told it will definitely be <em>fixed</em> in 5-7 business <em>days</em>. I receive daily phone calls ; emails and texts stating I have a past due credit card bill. Im at a loss and Im sure I will start getting late fees soon on this amount."]},"sort":[17.644676,"7727093"]},{"_index":"complaint-public-v1","_id":"20916069","_score":17.639904,"_source":{"product":"Checking or savings account","complaint_what_happened":"I received my ssd XXXX in my account on the XXXX of the month of XXXX and my account is still pending along with XXXX other transactions. I called Wellfargo about this matter twice before and their statement to me was that should not happen because it normally would clear in a day not a week for transactions to continuously be pending for over a week. Which I noticed they also try to back date my purchases to match there records which is illegal. Things that would take a day is taking XXXX to 7 days to clear. Which is inconsistent inconvenient for me as a customer as well as I requested a transfer on the XXXX and it has been placed on a schedule hold which I didnt confirm. I also inconveniently encountered a third party associated with my Wellfargo card when call Wellfargo I am greeting with life alert on the other end this has happened numerous of time I spoke to Wellfargo and the investigation team which also sent me verbal and written verification they know and have not fixed it. I also spoke with life alert about being a third party of Wellfargo without customer knowledge or approval. In the process of trying to call Wellfargo about my account not being correct I was getting greeting with this instead which cause my account to be unclear and unmanaged clearly due to not being able to accessing the correct agency on the line which is Wellfargo not life alert. Due to all of this my account is being unmanaged, over charged and unreliable service by Wellfargos team.","date_sent_to_company":"2026-04-16T20:17:04.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"11226","tags":null,"has_narrative":true,"complaint_id":"20916069","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-04-03T11:16:02.000Z","state":"NY","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":["Things that would <em>take</em> a day is taking <em>XXXX</em> to 7 <em>days</em> to clear. Which is inconsistent inconvenient for me as a customer as well as I requested a transfer on the <em>XXXX</em> and it has <em>been</em> placed on a schedule hold which I didnt confirm."]},"sort":[17.639904,"20916069"]},{"_index":"complaint-public-v1","_id":"5419610","_score":17.236332,"_source":{"product":"Mortgage","complaint_what_happened":"I want to start off in saying I have had nothing but issues with this company since my loan was bought out by them. On XX/XX/22 I called Mr Cooper and advised them that the escrow statement I received from them was incorrect. There was no way I was over {$1100.00} in the negative when I had been making my payments on time every other week. The representative looked at the account and stated she had seen where 2 payments were taken out of my escrow account and paid to XXXX XXXX. I asked why that was because I only had 1 policy with them for {$740.00}. He stated she would have to transfer me to a different department but it \" should be easily fixed ''. After a very lengthy hold I got another representative on the phone that looked again at my account and stated she saw a fax attached to my account requesting {$1300.00}. I asked if my name or account # was on the fax and she said no, the account # is different. I said then it needs to be fixed on your end. She asked if I would call XXXX and 3rd party her in so she could see where the money went. I advised her that I was not going to do that because I already talked to them and they told me they only received the {$740.00} on my account. They had no idea where the {$1300.00} amount was. She said her system would not allow her to call them. I advised her it was their responsibility to fix the problem. She said there was nothing she could do. At that point I requested a manager. I was placed on hold for approx 25 mins because \" no supervisor was available. '' When the team lead from the Insurance Processing Dept ( XXXX ) got on the phone, I explained the entire situation to her and she placed me on hold to check the account yet again. She got back on the phone and advised that she saw the issue but it would need to be reviewed before anything was fixed and that would take 5 business days. I asked why it would take that long to fix their mistake. She stated that was just the process. I told her they really need to rethink their customer service as it is very poor. I took her name and # and told her I would be calling if it wasnt fixed by Monday XX/XX/XXXX. She told me she would call me once it was fixed. I called again on Friday and was told by another representative that the adjustment would take 7-14 days. It is now the 5th business day and my loan is not fixed. I just had my bi-weekly payment get pulled that was supposed to be for {$330.00} and was pulled for {$350.00} and it is higher than my normal payment because of this screw up. I have been more than patient about this. I have gotten a different answer every time I call and at this point feel that I am just being told whatever to get me off the phone. I called again on Monday XX/XX/XXXX and got told it would be 3 more business days.","date_sent_to_company":"2022-04-07T19:53:57.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"45042","tags":null,"has_narrative":true,"complaint_id":"5419610","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2022-04-07T19:44:50.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["On <em>XX/XX</em>/22 I called Mr Cooper and advised them that the escrow statement I received from them was incorrect. There was no way I was <em>over</em> {$1100.00} in the negative when I had <em>been</em> making my payments on time every other <em>week</em>. The representative looked at the account and stated she had seen where 2 payments were taken out of my escrow account and paid to <em>XXXX</em> <em>XXXX</em>. I asked why that was because I only had 1 policy with them for {$740.00}."]},"sort":[17.236332,"5419610"]},{"_index":"complaint-public-v1","_id":"5713641","_score":17.135925,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX I contacted XXXX XXXX from email to my in-box. I was informed there were 2 fraudulent items on my bank statement - checking account. He proceeded to transfer me to Chase service, my bank. There I was told that the items could not be fixed. I was told that the FBI was involved. It would take 2 days. This went on over two weeks. I was told to track the people stealing my ID I would need to take all but {$300.00} out of my checking and savings. I was given a case number, told to take picture of name, case number, another picture of the cash. Give to carrier. Then went through XXXX to put money into my checking account. This process continued for two weeks when I stopped as losing money and I checked with Chase and was told that taking money out was not part of ID theft tracing. I am still dealing with my savings being non-existing and my checking also being low. I changed my debit number and reported to bank, credit bureaus, and XXXX. However, XXXX has me negative $ XXXX that I was being countered reported by XXXX XXXX of scamming him. He and a woman XXXX were being used on XXXX with my transfers of money back to my bank. The total was over {$8000.00} between these two people, neither of which I know. Shipments were said to have been made Between me and these two people, not with those two to each other. Their dates of transaction is XX/XX/2022. No shipments made to either of these two people nor to me. I had {$7100.00} taken from my accounts, {$8000.00} owe to XXXX. I believe that I now owe XXXX {$5000.00} which includes fees. I am out {$3000.00} in my bank accounts. When I stopped the two week back and forth with taking money out and putting in monies to my checking account, less money each time as money got stolen, I kept {$4000.00}, {$2000.00} in cash which has been spent in the month and {$2000.00} in my checking that has been spent on my bills. On my phone and email I have kept contact made to the people who claimed to be XXXX XXXX and Chase. On report made to FBI and FTC.","date_sent_to_company":"2022-06-27T17:28:36.000Z","issue":"Problem caused by your funds being low","sub_product":"Savings account","zip_code":"60645","tags":"Older American","has_narrative":true,"complaint_id":"5713641","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-06-27T16:46:06.000Z","state":"IL","company_public_response":null,"sub_issue":"Non-sufficient funds and associated fees"},"highlight":{"complaint_what_happened":["On XX/XX/<em>XXXX</em> I contacted <em>XXXX</em> <em>XXXX</em> from email to my in-box. I was informed there were 2 fraudulent items on my bank statement - checking account. He proceeded to transfer me to Chase service, my bank. There I was told that the items could not be <em>fixed</em>. I was told that the FBI was involved. It would <em>take</em> 2 <em>days</em>. This went on <em>over</em> two <em>weeks</em>. I was told to track the people stealing my ID I would need to <em>take</em> all but {$300.00} out of my checking and savings."]},"sort":[17.135925,"5713641"]},{"_index":"complaint-public-v1","_id":"2377609","_score":17.109339,"_source":{"product":"Student loan","complaint_what_happened":"An early payment made XX/XX/2017 was misapplied across the board to all my loans instead of first to interest & then to specified loan w/ the highest interest rate. The amount being paid was the amount quoted by Fedloan Servicer to fully pay off one of the highest interest loans ( 6.8 % ). First of all, they quoted an incorrect amount which included interest on a loan that had been paid off the day before. Asked Fedloan ( on phone ) to correct it. They required request in writing ( sent XX/XX/2017 ). They failed to fix error as my letter lacked dob ( which phone rep did not say to include ). On XX/XX/XXXX, my mother called to ask why error was STILL not fixed. They told her to have me re-submit letter with dob ( which I did immediately ). I want their error corrected prior to 1st payment being collected XX/XX/2017. They say it will take 3-5 days to read my email & up to 15 business days to make correction. The level of incompetence is ridiculous. Today they email -- not to say they 've finally corrected their error of XX/XX/2017 -- but rather to say, \" Our records indicate you were in contact with our office on XX/XX/2017 and received assistance regarding the inquiry in your email. If you require additional assistance, please respond to this email. '' IS THIS A JOKE? Do they even READ the emails students send? The error is STILL not fixed & they want me to start over? Once they take my first payment next week by direct debit, the error will be compounded. This is cruel & unusual punishment. I 'm trying to make payments! Can I switch to a different loan servicer due to the incompetence of this one?","date_sent_to_company":"2017-03-09T04:38:22.000Z","issue":"Dealing with my lender or servicer","sub_product":"Federal student loan servicing","zip_code":"30214","tags":null,"has_narrative":true,"complaint_id":"2377609","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"AES/PHEAA","date_received":"2017-03-09T04:38:21.000Z","state":"GA","company_public_response":null,"sub_issue":"Trouble with how payments are handled"},"highlight":{"complaint_what_happened":["They required request in writing ( sent <em>XX/XX</em>/2017 ). They failed to fix error as my letter lacked dob ( which phone rep did not say to include ). On XX/XX/<em>XXXX</em>, my mother called to ask why error was STILL not <em>fixed</em>. They told her to have me re-submit letter with dob ( which I did immediately ). I want their error corrected prior to 1st payment being collected <em>XX/XX</em>/2017. They say it will <em>take</em> 3-5 <em>days</em> to read my email & up to 15 business <em>days</em> to make correction."]},"sort":[17.109339,"2377609"]},{"_index":"complaint-public-v1","_id":"2402640","_score":16.959732,"_source":{"product":"Credit card","complaint_what_happened":"I applied to the Barclaycard Ring Mastercard becuase the offered no interest and no FEEs for balance transfers. We got approved and when we went to do our balance transfer they told us there would be a fee. We complained, stating that the website application says no fees. We called Barclay and showed them the website and they said they would pass this along and it would be 10 business days to get it fixed. It has now been 14 business days and nothing has been solved. We keep getting put off. The application website is still up offering the no transfer fees and interest free on balance transfers. This has got to stop. When I went out on our Barclay account page it showed us a {$15.00} balance. We questioned it and they said it was because they rushed the card to us via XXXX. We did n't ask for that. They said they would take that off our account and over 2 weeks later it is still there. I ca n't believe a credit card company like this stays in business since all they do is put it off for a board review. While I may be one person. My Brother-in-law also signed up for card for the same reasons and he has run into same problem. Lies after lies and always being put off.","date_sent_to_company":"2017-03-24T20:53:01.000Z","issue":"Balance transfer fee","sub_product":null,"zip_code":"32312","tags":null,"has_narrative":true,"complaint_id":"2402640","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2017-03-24T20:53:01.000Z","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":["We called Barclay and showed them the website and they said they would pass this along and it would be 10 business <em>days</em> to get it <em>fixed</em>. It has now <em>been</em> 14 business <em>days</em> and nothing has <em>been</em> solved. We keep getting put off. The application website is still up offering the no transfer fees and interest free on balance transfers. This has got to stop. When I went out on our Barclay account page it showed us a {$15.00} balance."]},"sort":[16.959732,"2402640"]},{"_index":"complaint-public-v1","_id":"1623462","_score":16.93166,"_source":{"product":"Prepaid card","complaint_what_happened":"Starting XXXX, XXXX 2015 Rushcard stated that they are updating their systems and it would take XXXX hours. Days pasted and none of my funds was available. I call and they would hang up or keep me on hold for more than XXXX hours. It is now XXXX XXXX, 2015 and as of today I still can not access my paycheck from XXXX XXXX, 2015. This has caused financial stress on me with the issue of paying bills and having money to get to work and eat daily. For the past weeks I had to stress over how I am going to have enough gas to get to work. Today I called and was told that the system is yet again down and my account has went from {$500.00} to {$0.00} XXXX times today. On the occurrences that I seen money available I went to the ATM and get invalid responses and is told to contact my financial institution. I call them and they have NO answers of the time frame, its been 2 weeks. All they ask for is your number so that they can send you a text when the system is fixed. When I asked to speak to a manager I was put on hold and never returned to. The HARDSHIP this has caused for me and so many lower class citizens in America is unfair and should be unjust. There has to be some why this can be avoided in the future. Currently I am at home with {$10.00} in my pocket that I can not spend because it is my last. What do I do next week up until payday?","date_sent_to_company":"2015-11-13T18:20:19.000Z","issue":"Managing, opening, or closing account","sub_product":"General purpose card","zip_code":"53216","tags":null,"has_narrative":true,"complaint_id":"1623462","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Empowerment Ventures, LLC","date_received":"2015-10-24T20:53:10.000Z","state":"WI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Starting <em>XXXX</em>, <em>XXXX</em> 2015 Rushcard stated that they are updating their systems and it would <em>take</em> <em>XXXX</em> hours. <em>Days</em> pasted and none of my funds was available. I call and they would hang up or keep me on hold for more than <em>XXXX</em> hours. It is now <em>XXXX</em> <em>XXXX</em>, 2015 and as of today I still can not access my paycheck from <em>XXXX</em> <em>XXXX</em>, 2015. This has caused financial stress on me with the issue of paying bills and having money to get to work and eat daily."]},"sort":[16.93166,"1623462"]},{"_index":"complaint-public-v1","_id":"13013767","_score":16.914213,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have an account with CareCredit for XXXX  reasons, a fraudulent bankruptcy has been filed, I was told a report was made on my behalf to fix this problem and it would take XXXX days to be fixed, its been over a week and they still have no answers for me as the problem persists. I have asked them for who filed the bankruptcy and they gave me the names of XXXX XXXX XXXX who are not connected to my account at all ( the lawyers were very helpful ), I called again today on XX/XX/year> to ask for updates, was given a number for a bankruptcy XXXX and told to call them, upon calling that number I was sent to voicemail and the number belongs to a guy named XXXX, not a business like they said, I was told I couldnt get an update today as well. I was also notified that apparently my account was filed under bankruptcy XXXX XXXXXXXX due to me being deceased, I am very much alive and dont understand why this is happening and why they cant fix the problem they created. I made all payments on time or early, and always for an amount more than what my monthly payment was supposed to be. Im a business owner, as well as someone whos trying to buy a house within the next year using my XXXX  XXXX loan but will have trouble if this problem continues. They did tell me the account has been made a charge off as well. I just want this problem fixed and if possible, the account closed out as I no longer trust care credit as a reputable business. I had to confirm identity over the phone with care credit via social security number as I dont have a physical card and cant login to my account to get the account number since they have XXXX my account. I feel as if they are trying to hide something or cover their tracks based off of the phone calls I have been on with them, they always try to get me off the phone as fast as they can.","date_sent_to_company":"2025-04-16T16:16:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77573","tags":"Servicemember","has_narrative":true,"complaint_id":"13013767","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-04-16T15:57:47.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I have an account with CareCredit for <em>XXXX</em>  reasons, a fraudulent bankruptcy has <em>been</em> filed, I was told a report was made on my behalf to fix this problem and it would <em>take</em> <em>XXXX</em> <em>days</em> to be <em>fixed</em>, its <em>been</em> <em>over</em> a <em>week</em> and they still have no answers for me as the problem persists."]},"sort":[16.914213,"13013767"]},{"_index":"complaint-public-v1","_id":"1453225","_score":16.910734,"_source":{"product":"Mortgage","complaint_what_happened":"I was contacted by my mortgage lender because my payment had run late. During the call, the agent repeatedly told me the bank WOULD NOT cash my check, as it was not the amount they were looking for. He then falsely stated that it was because I had a shortage in my escrow ( not that it was the late fee ), and requested that I make a payment over the phone. After doing so, the bank took the phone payment, and cashed the check, on the same day, leaving me overdrawn ( Had only XXXX payment been processed, I 'd have had a positive balance ) After contacting the bank to dispute the double charge, and after having my bank also file a dispute, I was informed that it would be ten days before they could return my money. When I called, later, to inquire why it would take ten days, the bank stated that they held checks for that period, in case of situations where there was an error, like the one I reported, or a stopped check. At this time, I have been 3 weeks with no money, and it has placed my finances in disarray, threatened the health and welfare of my family, and may cause other ill effects. Additionally, I believe the bank has been untruthfully changing my payments, year to year, despite my fixed rate loan. Also, at this time, despite the dispute being started on or around XXXX XXXX, I still have not been reimbursed.","date_sent_to_company":"2015-07-06T21:07:25.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"Conventional fixed mortgage","zip_code":"35611","tags":null,"has_narrative":true,"complaint_id":"1453225","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2015-07-06T21:07:24.000Z","state":"AL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Additionally, I believe the bank has <em>been</em> untruthfully changing my payments, year to year, despite my <em>fixed</em> rate loan. 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